Pros

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

Cons

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards

Pros

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

Cons

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards

Pros

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

Cons

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards