Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +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

• −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

• −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 with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

• +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

• −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

• −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 with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

• +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

• −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

• −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