Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

• +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

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

• −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

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

• +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

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

• −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

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

• +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

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

• −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