Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

Cons

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

• −Only 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

Cons

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

• −Only 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

Cons

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

• −Only 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments