Choose rewards that support yourlifestyle. Switch anytime. Total control in one tap.
Three ways to earn premium rewards— designed for how you spend.
2%
Cash back on everything
Omni
Earn 1% cash-back on everything you buy and 1% cash-back when you pay your balance. Great for everyday spending and staying on track.
3%
Cash back on Google Pay and Apple Pay
Nova
Get 3% cash-back with Apple Pay and Google Pay. Get 1% everywhere else. Let your digital wallet work harder for you.
5%
Cash back on curated categories
Vita
Enjoy 5% cash-back on featured categories, 1% everywhere else. Make the most of each period's top categories. May - September: Entertainment and dining.
Did we mention?
No limits. No expiration. Redeem your rewards anytime, in any amount.
Cash back rewards are tracked as points. Every $1 earned equals 100 points
Your card comes with the benefits you deserve.
$0 Annual Fee
No monthly subscriptions or hidden costs.
$0 Foreign Transaction Fees
Spend globally with absolutely zero markup.
Zero Fraud Liability
Complete protection on every single purchase.
24/7 Global Support
Real human support via email, phone, or app.
And more.
- Everyday discounts from partners like Lyft and Instacart.
- Proactive, complimentary ID theft protection.
- Priority access to dining, concerts, and sporting events.
- Premium travel and lifestyle perks from top brands.
- …See more in Mastercard World Benefits.
Total transparency and control.
Use the Vera app, to track your spending with absolute clarity.
Track every dollar, down to the cent.
Proactive notifications, no surprises.
Watch your cash-back compound in real time.
Freeze, unfreeze or replace cards with a tap.
Encrypted data. Accessed only by you.
Nothing even comes close.
| Feature |  | Capital One Quicksilver | Discover It Cash Back | Chase Freedom |
|---|---|---|---|---|
| Choose your own rewards |  | — | — | — |
| Switch rewards anytime | | — | — | — |
| 2% cash back everywhere | | — | — | — |
| No annual fee | |  | | |
| No foreign transaction fees | | | | — |
| Mastercard World benefits | | — | — | — |
| Rewards never expire | | | | |
| No caps on rewards | | | — | |
Comparison based on standard, publicly available offers. Subject to change.