Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

• +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

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

• −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

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

• +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

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

• −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

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

• +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

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

• −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