Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +0% intro APR for 24 billing cycles on purchases and balance transfers
• +No annual fee
• +4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
• +$20 annual statement credit for 11 consecutive months of purchases
• +Cell phone protection up to $600 when paying monthly bill with card

Cons

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −3% foreign transaction fee makes it poor for international use
• −High variable APR (21.74%-28.74%) after intro period ends
• −No rewards on general purchases outside travel portal
• −Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)
• −Good to Excellent credit required

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +0% intro APR for 24 billing cycles on purchases and balance transfers
• +No annual fee
• +4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
• +$20 annual statement credit for 11 consecutive months of purchases
• +Cell phone protection up to $600 when paying monthly bill with card

Cons

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −3% foreign transaction fee makes it poor for international use
• −High variable APR (21.74%-28.74%) after intro period ends
• −No rewards on general purchases outside travel portal
• −Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)
• −Good to Excellent credit required

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +0% intro APR for 24 billing cycles on purchases and balance transfers
• +No annual fee
• +4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
• +$20 annual statement credit for 11 consecutive months of purchases
• +Cell phone protection up to $600 when paying monthly bill with card

Cons

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −3% foreign transaction fee makes it poor for international use
• −High variable APR (21.74%-28.74%) after intro period ends
• −No rewards on general purchases outside travel portal
• −Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)
• −Good to Excellent credit required