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

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

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

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

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

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