Key Benefits

Pros

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

Cons

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)

Key Benefits

Pros

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

Cons

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)

Key Benefits

Pros

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

Cons

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)