Choose the rewards mode thatmatches your lifestyle. Switchanytime as your life evolves. Total agency, one tap away
Three premium rewards modes designed for how you spend.
2%
Cash back
Omni
A flat 2% cash back everywhere. Earn 1% when you spend, and another 1% when you pay your balance.
3%
Cash back
Nova
3% cash back on Apple Pay and Google Pay. 1% on everything else. Built for the digital wallet.
5%
Cash back
Vita
5% cash back on curated categories. 1% on everything else. This quarter: Travel and Dining.
Did we mention?
Rewards never expire and have no limits. Redeem anytime and for any amount.
Your card comes with the benefits you deserve…
$0 Annual Fee
No 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 fluid, undeniably modern Vera app, to navigate your spends with absolute clarity.
Track your money instantly, down to the cent.
Proactive notifications, no retroactive surprises.
Watch your cash back compound in real time.
Freeze or unfreeze your card with a tap.
Bank-level encryption protected by your biometrics.
Nothing even comes close.
| Feature |  | Capital One Quicksilver | Discover It | Chase Freedom |
|---|---|---|---|---|
| Choose your own rewards |  | — | — | — |
| Switch rewards anytime | | — | — | — |
| 2% cash back on everything | | — | — | — |
| No annual fee | |  | | |
| No foreign transaction fees | | | | — |
| Mastercard World benefits | | — | — | — |
| Rewards never expire | | | | |
| No caps on rewards | | | — | |
Chart based on publicly available information as of March 2026.