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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

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

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

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

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

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

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit