Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +No annual fee makes it easy to keep long-term
• +2x miles on Delta purchases and restaurants worldwide
• +20% back on in-flight Delta purchases
• +No foreign transaction fees
• +Pay with Miles feature for partial flight redemptions

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −No free checked bag or priority boarding
• −Weak 10,000 mile welcome bonus compared to premium Delta cards
• −1x on non-category spend limits earning potential
• −Rewards locked in Delta SkyMiles (no transfer partners)
• −No elite status boost or companion certificate

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +No annual fee makes it easy to keep long-term
• +2x miles on Delta purchases and restaurants worldwide
• +20% back on in-flight Delta purchases
• +No foreign transaction fees
• +Pay with Miles feature for partial flight redemptions

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −No free checked bag or priority boarding
• −Weak 10,000 mile welcome bonus compared to premium Delta cards
• −1x on non-category spend limits earning potential
• −Rewards locked in Delta SkyMiles (no transfer partners)
• −No elite status boost or companion certificate

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +No annual fee makes it easy to keep long-term
• +2x miles on Delta purchases and restaurants worldwide
• +20% back on in-flight Delta purchases
• +No foreign transaction fees
• +Pay with Miles feature for partial flight redemptions

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −No free checked bag or priority boarding
• −Weak 10,000 mile welcome bonus compared to premium Delta cards
• −1x on non-category spend limits earning potential
• −Rewards locked in Delta SkyMiles (no transfer partners)
• −No elite status boost or companion certificate