Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee with competitive 3% cash back on popular categories
• +3% back on dining, groceries, entertainment, and streaming services
• +8% cash back on Capital One Entertainment ticket purchases
• +5% cash back on hotels and car rentals via Capital One Travel
• +0% intro APR for 12 months on purchases and balance transfers

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −Grocery exclusions for Walmart, Target, and warehouse clubs
• −1% base rate on non-bonus categories is below average
• −$200 welcome bonus is modest compared to travel cards
• −No travel benefits or lounge access
• −Cash back rewards not transferable to airline partners

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee with competitive 3% cash back on popular categories
• +3% back on dining, groceries, entertainment, and streaming services
• +8% cash back on Capital One Entertainment ticket purchases
• +5% cash back on hotels and car rentals via Capital One Travel
• +0% intro APR for 12 months on purchases and balance transfers

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −Grocery exclusions for Walmart, Target, and warehouse clubs
• −1% base rate on non-bonus categories is below average
• −$200 welcome bonus is modest compared to travel cards
• −No travel benefits or lounge access
• −Cash back rewards not transferable to airline partners

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee with competitive 3% cash back on popular categories
• +3% back on dining, groceries, entertainment, and streaming services
• +8% cash back on Capital One Entertainment ticket purchases
• +5% cash back on hotels and car rentals via Capital One Travel
• +0% intro APR for 12 months on purchases and balance transfers

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −Grocery exclusions for Walmart, Target, and warehouse clubs
• −1% base rate on non-bonus categories is below average
• −$200 welcome bonus is modest compared to travel cards
• −No travel benefits or lounge access
• −Cash back rewards not transferable to airline partners

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards