Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +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

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −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

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +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

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −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

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +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

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −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