Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee
• +No foreign transaction fee
• +3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
• +2X rewards on all other purchases (strong baseline rate)
• +Visa Signature tier benefits (travel protections, extended warranty)

• +Unlimited 2% cash back on all purchases with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

Cons

• −Limited to Navy Federal membership eligibility (military, DoD, family members)
• −No airline lounge access or premium travel credits
• −Fewer perks compared to premium cards from major issuers

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee
• +No foreign transaction fee
• +3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
• +2X rewards on all other purchases (strong baseline rate)
• +Visa Signature tier benefits (travel protections, extended warranty)

• +Unlimited 2% cash back on all purchases with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

Cons

• −Limited to Navy Federal membership eligibility (military, DoD, family members)
• −No airline lounge access or premium travel credits
• −Fewer perks compared to premium cards from major issuers

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee
• +No foreign transaction fee
• +3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
• +2X rewards on all other purchases (strong baseline rate)
• +Visa Signature tier benefits (travel protections, extended warranty)

• +Unlimited 2% cash back on all purchases with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

Cons

• −Limited to Navy Federal membership eligibility (military, DoD, family members)
• −No airline lounge access or premium travel credits
• −Fewer perks compared to premium cards from major issuers

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint