Pros

• +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

• +Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
• +No annual fee
• +Cell phone protection up to $600 with $25 deductible
• +Visa Signature benefits including extended warranty and purchase protection
• +Free authorized user cards

Cons

• −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

• −Earns no rewards on purchases
• −3% foreign transaction fee
• −5% balance transfer fee (minimum $5)
• −Must make on-time payments to extend intro APR from 21 to 24 months
• −Limited value after intro APR period ends

Pros

• +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

• +Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
• +No annual fee
• +Cell phone protection up to $600 with $25 deductible
• +Visa Signature benefits including extended warranty and purchase protection
• +Free authorized user cards

Cons

• −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

• −Earns no rewards on purchases
• −3% foreign transaction fee
• −5% balance transfer fee (minimum $5)
• −Must make on-time payments to extend intro APR from 21 to 24 months
• −Limited value after intro APR period ends

Pros

• +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

• +Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
• +No annual fee
• +Cell phone protection up to $600 with $25 deductible
• +Visa Signature benefits including extended warranty and purchase protection
• +Free authorized user cards

Cons

• −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

• −Earns no rewards on purchases
• −3% foreign transaction fee
• −5% balance transfer fee (minimum $5)
• −Must make on-time payments to extend intro APR from 21 to 24 months
• −Limited value after intro APR period ends