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Best for: Overall value

It comes with a welcome bonus of 35,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $644.

Annual Fee
$150
Rewards rate
1x

Scene+

Welcome Bonus
Up to 35,000 points

Ends Nov 1, 2026

1st Year Value
$644

Pros

  • Welcome bonus of 35,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $644

Cons

  • Requires good credit
Best for: No annual fee
Home Trust Preferred Visa
Home TrustCash Back

The Home Trust Preferred Visa has no annual fee, making it risk-free to hold. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $300.

Annual Fee
$0
Rewards rate
1x

Cash Back

Welcome Bonus
1st Year Value
$300

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 50,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,280.

Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
Up to 50,000 points

Ends Nov 1, 2026

1st Year Value
$1,280

Pros

  • Welcome bonus of 50,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,280

Cons

  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 80,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $85.

Annual Fee
$599
Rewards rate
1x

Scene+

Welcome Bonus
Up to 80,000 points

Ends Nov 1, 2026

1st Year Value
$85

Pros

  • Welcome bonus of 80,000 points
  • 2x at restaurants

Cons

  • High annual fee ($599)
  • Requires good credit