Network

Key Benefits

Pros

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

Network

Key Benefits

Pros

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

Network

Key Benefits

Pros

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards