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 ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

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 ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

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 ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard