Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +No annual fee makes it risk-free to hold long-term
• +Automatic Silver Elite status with 10% bonus on stays and priority late checkout
• +5 Elite Night Credits annually toward status qualification
• +No foreign transaction fees
• +2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

• −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

• −Only Silver Elite status (Gold and Platinum provide much better benefits)
• −Low 1x earning on non-bonus purchases
• −Only 5 Elite Night Credits vs 15-25 on premium cards
• −No free night award benefit
• −No lounge access or premium travel perks

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +No annual fee makes it risk-free to hold long-term
• +Automatic Silver Elite status with 10% bonus on stays and priority late checkout
• +5 Elite Night Credits annually toward status qualification
• +No foreign transaction fees
• +2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

• −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

• −Only Silver Elite status (Gold and Platinum provide much better benefits)
• −Low 1x earning on non-bonus purchases
• −Only 5 Elite Night Credits vs 15-25 on premium cards
• −No free night award benefit
• −No lounge access or premium travel perks

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +No annual fee makes it risk-free to hold long-term
• +Automatic Silver Elite status with 10% bonus on stays and priority late checkout
• +5 Elite Night Credits annually toward status qualification
• +No foreign transaction fees
• +2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

• −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

• −Only Silver Elite status (Gold and Platinum provide much better benefits)
• −Low 1x earning on non-bonus purchases
• −Only 5 Elite Night Credits vs 15-25 on premium cards
• −No free night award benefit
• −No lounge access or premium travel perks