Earn 3% cash back in the category of your choiceEarn 2% cash back on dining purchasesEarn unlimited 1% cash back on all other purchases$300 online statement credit after $3,000 spend in first 90 daysNo annual fee0% intro APR for first 9 billing cycles on purchases18.49% to 28.49% variable APR after intro periodBalance transfer fee of 4%29.49% variable APR on cash advances and convenience checks Earn 3% cash back in the category of your choiceEarn 2% cash back on dining purchasesEarn unlimited 1% cash back on all other purchasesNo annual fee0% on purchases for the first 9 billing cyclesGet a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening No annual feeCustomizable 3% cash back category2% cash back on diningFlexible redemption options$300 signup bonus0% intro APR on purchases for 9 billing cycles $50,000 annual spend cap on higher cash back ratesForeign transaction feeLacks some premium benefitsNo bonus on balance transfersSignup bonus requires $3,000 spend in first 90 days 
