travel cards chase

• Airport lounges
• Dining & experiences
• Not a cardmember? Learn more

Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card * each year. Each year, your first $300 in travel purchases will not earn rewards points. *

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. *

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. *

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. *

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. *

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. *

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. *

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. * For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. *   Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. *

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. *

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. *

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. * This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. * That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. * From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

Takeout tastes even better with a complimentary DashPass membership on both DoorDash and Caviar. You’ll pay no delivery fee and lower service fees on eligible orders for a minimum of one year. Activate by Dec. 31, 2024 * . Plus, as a DashPass member get a $5 monthly DoorDash credit automatically applied at checkout * .

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. *

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. *

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. *

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & vet services by September 30, 2024. *

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® and Amazon.com. *

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select. *

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind *

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection *

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. *

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. *

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. *

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. *

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service *

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app * to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. *

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). *

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & vet services by September 30, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

Already a Sapphire cardmember?

Sign in to view your account, access exclusive content and take advantage of your Sapphire benefits.

Not a Sapphire cardmember yet?

We’re glad you’re here. Learn more about getting a Sapphire card.

Es posible que esta comunicación contenga información acerca de usted o su cuenta. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.

View the details of the Sapphire Reserve benefits offered on this page.

©2024 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. Member FDIC

• What is the Chase Travel Portal?
• Benefits of Using the Chase Travel Portal
• Chase Ultimate Rewards Credit Cards
• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®, Chase Freedom® Student credit card. The details for these products have not been reviewed or provided by the issuer.

• The Chase Travel℠ is an online travel agency that lets you pay with Ultimate Rewards points.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

Introduction to the Chase Travel

The Chase Travel℠ is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an online travel agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash. 

Overview of the Chase Travel and Ultimate Rewards benefits

The Chase Travel℠ offers one of the most straightforward redemption opportunities for your Chase Ultimate Rewards . Chase boasts one of the most flexible and lucrative credit card rewards programs, and points earned on some travel cards are worth up to 50% more when redeemed through Chase Travel℠.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What is the Chase Travel portal?

The Chase Travel℠ is an online platform that acts as a third-party travel broker similar to Expedia, Booking.com, Travelocity, or Priceline. Through Chase Travel℠, you can book hotels, flights, rental cars, cruises, and vacation packages. You can choose to pay with one of your linked credit cards, or use your Ultimate Rewards balance to defray the cost. 

You must be a Chase credit card customer to use Chase Travel℠ to book with cash or points — in fact, you can only access the Chase travel portal when you log into your account management page with Chase.

Benefits of using Chase Travel

One of the primary benefits of using Chase Travel℠ is you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. Chase Travel℠ allows you to book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two.

There are a few other key benefits to understand as well:

You'll still earn airline miles and work toward elite airline status

You won't earn points or elite night credits when you book a hotel stay with Chase Travel℠ because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights booked through Chase, as long as your frequent flyer number is attached to the reservation. (You can usually add that number, as well as your Known Traveler 

Points are worth more on certain Chase credit cards

With a no-annual-fee card like the Chase Freedom Flex® or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners .

You can combine the points earned on the Chase Freedom Flex® or Chase Freedom Unlimited® with one of these travel cards: Points redeemed through the Chase Sapphire Reserve® are worth 1.5 cents apiece through Chase Travel℠, while points redeemed through the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card are worth 1.25 cents apiece. 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase offers lucrative bonus categories on flights, hotels, and car rentals booked through the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, up to 10x Ultimate Rewards points per dollar.

The Chase Travel is easy to use

If you don't want to deal with many hotel and airline award charts, booking through Chase Travel℠ can help keep your rewards game simple. You'll always be able to use your points for any booking you want without worrying about blackout dates or capacity controls you would normally encounter with loyalty programs.

Chase Ultimate Rewards credit cards

To be eligible to use Chase Travel℠, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase credit cards available to new applicants: 

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex® (read our Chase Freedom Flex review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Points earned on these cards are worth 1 cent each when redeemed through Chase Travel℠.

Chase travel rewards credit cards :

• Chase Sapphire Reserve®: Points worth 1.5 cents apiece through Chase Travel℠ (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card: Points worth 1.25 cents apiece through Chase Travel℠ (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card: Points worth 1.25 cents apiece through Chase Travel℠ (read our Chase Ink Business Preferred review )

Points earned on these cards are worth more when redeemed through Chase Travel℠. You can also transfer Ultimate Rewards from these cards to more than a dozen airline and hotel partners, potentially for significantly more value. 

Combining Chase points for increased value

You can transfer Chase Ultimate Rewards points between accounts if you hold more than one Chase card. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Chase Sapphire Reserve® account will increase the value of your points when you redeem through Chase Travel℠.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increment.

Points value in the Chase Travel

Certain Chase credit cards offer a bonus for redeeming points through Chase Travel℠. Here's how much your points are worth with each Chase card:

While these redemption rates are generous, you may get even more value by transferring your points to airline and hotel partners since Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Business Insider's points and miles valuations .

If you want to learn more about how (and when, and why) to transfer your points elsewhere, read our guide to understanding Chase Ultimate Rewards travel transfer partners . 

How to use the Chase Travel

Using Chase Travel℠ is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase Travel

Once logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click "Select" a flight option, you'll see a list of what is and isn't included in the fare you selected. You may also see a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You can cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or a combination of points and your credit card.

During the booking process, add your frequent flyer number to your reservation so you can earn miles on your booking and have your flight count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if you have one. However, if you forget this step during booking, you can add your frequent flyer information to your flight through the airline's website.

How to book a hotel through Chase Travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points and a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but it's something to be aware of if you're looking for hotel points or status.

You'll have the option to select a hotel you want and a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or combine both payment methods. 

How to book a rental car through Chase Travel

You can also book a rental car through Chase Travel℠ using the same steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase Travel

Chase also lets you book various activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase Travel

If you're a cruise enthusiast, you can also book cruises through Chase Travel℠. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises by destination or cruise line name. Note, however, that only cash prices are listed for each cruise on the portal and that you'll have to call Chase to make a booking.

Either way, you can use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase Travel

Chase also offers a selection of vacation rentals including condos, luxury villas, and more. To search, click "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase Travel to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel directly through the Chase Travel℠, many people prefer transferring points to Chase airline and hotel partners. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card. You're getting 50% more value when you redeem points through the Chase Travel℠ using points on this card. 

If you were to book this flight through Chase Travel℠, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After subtracting the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With Chase Travel℠, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Chase Travel portal frequently asked questions

Accessing Chase Travel℠ is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel℠ refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel℠ provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel℠, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase travel portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Maximizing rewards through Chase Travel

The Chase travel portal offers another way to maximize rewards earned with a Chase credit card. Before you pull the trigger, consider all your options and the value you're getting for your points.

Remember that, no matter which Chase credit card you have, you can use your rewards points in other ways. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

Best Chase credit cards of July 2024

If you’re looking for great cash-back rates and valuable transferable reward points, consider our top picks for the best Chase credit cards. Chase offers a wide selection of credit cards for all customers, whether you’re looking for the easiest cash-back option or a premium travel card. Chase also makes it easy to combine rewards across multiple accounts, so holding more than one Chase card can allow you to maximize your earning strategy — especially if you’re interested in maximizing Chase Ultimate Rewards points.

With so many card options available, you’re sure to find a Chase card that fits your wallet — so check out the list below of offers from our partners compiled by our team of travel experts. 

Browse by card categories

Comparing the best chase credit cards, more details on the best chase credit cards, maximizing chase credit cards.

• Ink Business Preferred® Credit Card : Best for business travelers
• Chase Sapphire Preferred® Card : Best for overall mid-tier cards
• Chase Sapphire Reserve® : Best for dining and travel insurance
• Ink Business Cash® Credit Card : Best for office supplies and technology services
• Chase Freedom Unlimited® : Best for bonus categories
• Chase Freedom Flex® : Best for rotating bonus categories
• Southwest Rapid Rewards® Priority Credit Card : Best for frequent Southwest flyers
• Southwest Rapid Rewards® Plus Credit Card : Best for a lower annual fee
• Ink Business Unlimited® Credit Card : Best for no annual fee business card

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card's sign-up bonus is the best-ever offer for the card. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card .

• Best-ever offer — 120,000 bonus points after $8,000 worth of spend in the first three months after card opening
• Access to the Chase Ultimate Rewards portal for points redemption
• Reasonable $95 annual fee; bonus categories that are most relevant to business owners
• Primary car insurance; and perks including cellphone and purchase protection
• Extended warranty
• Trip cancellation/interruption insurance; trip delay reimbursement
• High spending needed to get 120,000-point sign-up bonus
• No travel perks
• Subject to Chase's 5/24 rule on card applications
• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else. 

• Annual $50 hotel statement credit when booked through Chase Travel
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
• The card comes with a $95 annual fee
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve .

• Access to Chase Travel hotel and airline travel partners
• 10 points per dollar on hotels and car rentals through Chase Travel, 10 points per dollar on dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel℠
• $300 Annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
• Steep initial $550 annual fee
• May not make sense for people that don't travel frequently
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Ink Business Cash® Credit Card

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. On top of that, the Ink Business Cash card also offers automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of growing businesses. Read our full review of the Chase Ink Business Cash card .

• The current sign-up bonus on this card is an impressive up to $750.
• There is no annual fee which is perfect for small business owners.
• You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
• 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Chase Freedom Unlimited®

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full  review of the Chase Freedom Unlimited .

• At least 1.5% back on every purchase, with up to 5% or 3% back on select categories.
• There is no annual fee - Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.
• There is a foreign transaction fee so the card shouldn't be used abroad.
• Limited card perks and benefits.
• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Chase Freedom Flex®

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex .

• The generous sign-up bonus is impressive for a no annual fee card.
• The card features several categories that earn 5% cash back on travel purchased through Chase Travel and rotating quarterly bonus categories and 3% back on dining and drugstores.
• Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
• You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases.
• This card charges foreign transaction fees so it's best to use it within the U.S.
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Southwest Rapid Rewards® Priority Credit Card

While other airlines’ top credit cards have annual fees toppling over $500 per year, the Southwest Rapid Rewards Priority Card comes with just a $149 annual per year. If Southwest is your airline of choice, you’ll receive a number of perks every year: a $75 Southwest travel credit and 7,500 points on your cardmember anniversary. These benefits alone make up the annual fee for frequent Southwest flyers. For every $5,000 spent on this card, you’ll earn 1,500 Tier Qualifying Points, fast-tracking your way to A-List Status. Read our full review of the Southwest Rapid Rewards Priority Card .

• Travel and purchase protections through Chase.
• $75 annual Southwest travel credit.
• 7,500 points on each cardmember anniversary.
• 25% inflight discount on food, drinks and WiFi.
• Ability to earn A-List status faster by spending on this card
• $149 annual fee.
• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.

Southwest Rapid Rewards® Plus Credit Card

The Southwest Plus credit card is a great starter card for those who are loyal to the carrier. Read our full review of the Southwest Rapid Rewards Plus Credit Card .

• Earn 3,000 points each year after your cardmember anniversary
• Extended warranty and purchase protection
• Secondary car rental insurance and collision damage waiver.
• Baggage delay insurance
• Up to $3,000 in reimbursement for lost luggage
• Roadside dispatch
• Travel accident insurance via Visa Signature
• $69 annual fee
• 3% foreign transaction fee
• Flight redemption limited to U.S., Caribbean and Central American destinations
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Ink Business Unlimited® Credit Card

The Ink Business Unlimited’s sign-up gives you a generous $750 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card .

• No annual fee
• Flat 1.5% cash back on all purchases
• Primary insurance for car rentals
• 0% introductory APR for the first 12 months on purchases (then a variable APR of 18.49% - 24.49% applies)
• Higher spend to receive sign-up bonus
• No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
• No travel protections
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

You get tons of perks for a $95 annual fee. Currently, new cardholders can qualify for the 120,000 bonus point welcome offer by spending $8,000 within the first three months of account opening.

Although this is primarily a business card, it’s also a great travel card as well. Frequent flyers who book trips through Chase’s Ultimate Rewards can maximize the value of their earned points when booking travel through the Ultimate Rewards portal. The best part? The cash back you earn doesn’t expire as long as your account remains open.

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

The Chase Ink Business Cash® Credit Card is a good option if you want to avoid paying an annual fee and want to earn 5% cash back on the first $25,000 you spend at office supply stores, on internet, cable and your phone bill, 2% cash back on the first $25,000 you spend at gas stations and restaurants plus an unlimited 1% cash back on every other purchase you make.

The Chase Sapphire Preferred is one of the best travel rewards credit cards available. It offers comprehensive travel protection plus elevated rewards on travel and dining purchases while maintaining a reasonable $95 annual fee. 

New travel credit card users who are looking to earn transferable rewards without committing to a high annual fee would be a great fit for the Chase Sapphire Preferred.

“The Chase Sapphire Preferred has been in my wallet for 5-plus years and is the go-to midlevel rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rates on dining and travel as well as streaming services makes it a good choice for a millennial like me. Finally, I like using this card when renting cars, as it provides primary rental car insurance and a little more peace of mind.” —  Matt Moffitt , senior credit cards editor

Transferable points are often considered the golden currency in the travel reward world, but if you find that you prefer American Express travel partners, the American Express® Green Card offers a comparatively low annual fee while still allowing you to earn on travel, restaurants and more.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

The Chase Sapphire Reserve is a premium travel card with matching benefits. The card offers an elevated earning rate on many bonus categories, includes premium lounge access and features a  $300 annual travel credit . For just about any traveler, the Chase Sapphire Reserve is a solid pick.

Frequent flyers will find the Chase Sapphire Reserve to be a great addition to their wallet, thanks to its travel perks and benefits. 

“The Chase Sapphire Reserve is a no-brainer for me. My top two spending categories are travel and dining, and this card lets me earn 3 points per dollar in both of these categories. Then, I can transfer these points to one of Chase’s 14 travel partners or redeem them for a generous 1.5 cents apiece through the Chase travel portal or Pay Yourself Back program. The card has a high annual fee, but I don't mind paying it thanks to perks like a $300 travel credit, Priority Pass lounge access and impressive travel protections.” —  Benji Stawski , former senior reporter

If you’re looking for a more luxury-focused travel card, consider The Platinum Card® from American Express instead. The Amex Platinum comes with more benefits, travel credits and lounge access — as well as a higher annual fee of $695 (see rates and fees ). 

The Ink Business Cash offers a great introductory offer, no annual fee and multiple elevated reward rates. In addition, you can increase the value of your rewards by transferring rewards to an eligible Chase card that earns Ultimate Rewards points.

New business owners who are looking to separate their business and personal expenses while earning rewards on a card with no annual fee should consider the Ink Business Cash card. 

The Ink Business Cash card offers elevated cash-back rates on regular business categories and a solid sign-up offer, all with no annual fee. When combined with a higher-end Ultimate Rewards card, the Ink Business Cash is a no-brainer for any small-business owner looking to maximize their rewards earning.

If you’re looking for a no-annual-fee business card but have varied spending habits, consider the Ink Business Unlimited® Credit Card . That card earns an unlimited 1.5% cash back on all spending and features a similar introductory bonus.

The Chase Freedom Unlimited is one of the most popular no-annual-fee cards at TPG because it has a good mix of elevated everyday earning and bonus categories that go as high as 5%. But perhaps even better is that the Chase Freedom Unlimited can be paired with a premium Chase credit card, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, to amp up the value of the rewards when used for travel. In fact, it makes up one-third of what we call the  Chase Trifecta .

This card is unique in that it’s a great match for those new to credit card rewards and those looking to squeeze all possible value out of every dollar charged. This makes it a good match for almost anyone, but especially for those who want to one day use some of their rewards for travel.

“ The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Sapphire Preferred or Sapphire Reserve. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” —  Nick Ewen , director of content

If you like the idea of a no-annual-fee card in the Chase credit card ecosystem but want even more bonus categories, check out the  Chase Freedom Flex® , which has unique, rotating 5% bonus categories (up to $1,500 in total spending each quarter, activation required).

The Chase Freedom Flex makes cash-back earning easier than ever. You can earn elevated cash back on dining and travel, but every quarter, the Freedom Flex also earns 5% back on up to $1,500 in combined purchases at a rotating selection of merchants (after activation). 

The Chase Freedom Flex is a great addition to any beginner’s wallet since it has no annual fee and offers a large spectrum of elevated cash-back categories.  

“I love when a cash-back card is more than a cash-back card, and that's definitely the case with the Chase Freedom Flex. I can effectively convert the cash-back rewards on this card into fully transferable Ultimate Rewards points, since I also have the Chase Sapphire Reserve — opening up fantastic redemptions like luxury World of Hyatt properties and top-notch premium airplane cabins.” —  Nick Ewen , director of content 

If you know your spending habits do not align with the quarterly bonus categories offered by the Chase Freedom Flex, consider the Chase Freedom Unlimited® instead. You will still earn the same elevated rate on travel and dining but you get 1.5% cash back on all other purchases instead of 1%. 

The Southwest Priority card is a great card for Southwest loyalists who can maximize the card’s perks and benefits. Some notable features include an annual bonus of 7,500 Rapid Rewards points (valued around $98, according to TPG’s valuations ), a $75 annual Southwest travel credit and four upgraded boardings per year. 

Southwest loyalists can easily justify the Priority’s annual fee with the anniversary point bonus, travel credit and other perks. 

Any Southwest loyalist should add the Priority card to their travel wallet, as the perks and benefits easily pay for the annual fee every year. 

If you still want a Southwest card but find that you don’t need all of the perks on the Priority, consider the Southwest Rapid Rewards® Premier Credit Card , which offers similar perks with a lower fee. 

The information for the Southwest Rapid Rewards Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Southwest Rapid Rewards Plus credit card is a great starter card for Southwest travelers thanks to its low annual fee. In addition to earning bonus points on Southwest purchases, the card comes with two EarlyBird check-ins annually and bonus points for each account anniversary.

If you’re a casual Southwest flyer (at least once a year), you’ll likely benefit from the perks on the Southwest Rapid Rewards Plus card. 

For beginner travelers who occasionally fly Southwest, adding the Southwest Plus card can be a great way to expand your travel card collection. 

If you’re looking for more benefits from your Southwest credit card, consider the Southwest Rapid Rewards® Premier Credit Card which features a higher annual bonus upon card renewal and additional benefits when flying the carrier. 

There is no easier cash-back business card than the Ink Business Unlimited, as you’ll earn 1.5% back on all purchases. In addition, it features a generous introductory annual percentage rate period and primary insurance on business-related car rentals — all for no annual fee. 

Small-business owners who want a simple business card will benefit from the Ink Business Unlimited’s flat reward rate.

“I have the Chase Ink Business trilogy — the Ink Business Cash Credit Card, Ink Business Preferred Credit Card and Ink Business Unlimited cards. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earning rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt , senior credit cards editor

If your business has more specialized purchases that align with the Ink Business Cash® Credit Card , it can be a better fit, as the bonus categories have higher earning rates than the Ink Business Unlimited’s flat 1.5%. 

Decide the type of rewards you want to earn

Chase offers a wide range of credit cards — including ones that earn the issuer’s own Ultimate Rewards points as well as cobranded products with partners like United and Marriott . You could even opt for a top cash-back card if you don’t want to mess with travel rewards. Before you apply for a Chase credit card, consider what type of rewards are most useful for you. Many travelers will benefit from the flexibility of Chase Ultimate Rewards, though everyone’s situation is different.

Earn the welcome bonus

Once you’ve pulled the trigger on applying for a new card, it’s critical to ensure you hit the minimum spending requirements to earn the welcome bonus. Most Chase credit cards give you at least three months to do so, but it’s critical to plan your spending accordingly. In some cases, the bonus can get you over $1,000 worth of rewards, so missing out on it can be a major setback for your travel planning.

Add new cards to maximize your earning potential

Getting a top Chase credit card can unlock valuable rewards, but if you really want to take your card strategy to the next level, consider adding more than one to your wallet. While managing multiple credit cards takes added effort, it can also expand the number of points or miles you can take home. You can use one card to earn bonus points on travel and dining, for example, and then another card can give you extra rewards at drugstores. In fact, Chase cards feature prominently in our guide to the best credit card pairings .

How we rate

What is chase.

Chase, also known as JPMorgan Chase Bank, is a large American national bank. It offers a large variety of banking and investment products for both consumers and small businesses — including a wide range of credit cards. 

Types of Chase credit cards

Chase offers a large selection of credit card products. Some notable types are defined below.

Travel credit cards are typically tailored to travelers, offering more rewards on travel purchases and providing additional protection and value-added perks. For example, the Chase Sapphire Reserve® offers an annual $300 travel credit, which can help lower the out-of-pocket cost of your trips. In addition, it offers extensive travel protection when things go wrong, along with lounge access — both perks that can make your next trip a simpler process. 

Cash-back credit cards earn a percentage of cash back on each purchase you make. Some — like the Ink Business Unlimited® Credit Card — offer a simple, flat cash-back rate on all purchases. This could be a great fit for someone who is looking for a straightforward earning structure without needing to worry about maximizing bonus categories.

Other cards — like the Chase Freedom Flex® — feature bonus categories which help those who have more tailored spending habits get the most return on their spending.

But the best part about Chase is that you can effectively convert your cash-back rewards into fully transferable (and more flexible) Ultimate Rewards points, simply by having a higher-end Chase card.

A “starter” credit card typically refers to a simple product that’s relatively easy to get. Generally these don’t impose an annual fee, and they offer basic cash back so as not to overwhelm a new entrant into the world of credit cards.

One such card would be the Chase Freedom Unlimited®, as it earns an unlimited 1.5% back on all purchases plus an elevated rate on travel and dining, two big expense categories for many people. With no annual fee, even the newest credit card user can find many benefits with the Freedom Unlimited. 

Business credit cards typically offer business-focused perks and elevated earning rates on business spending. These cards are a great way to keep your business expenses separated from your personal expenses and earn on what you are already spending. Chase offers multiple business products under the Ink family of credit cards .

Business owners will have to look over their spending and see which card will help them earn the most on their current expenses.

Finally, cobranded credit cards are issued by a bank in partnership with another organization. The cards typically feature brand-specific rewards and benefits, most frequently with travel companies. For example, Chase issues cobranded cards with United Airlines, Southwest Airlines and the World of Hyatt loyalty program.

However, it can also partner with a lifestyle brand — as it’s done with the Instacart Mastercard®  and DoorDash Rewards Mastercard® .

How to apply for a Chase credit card

You can apply for a Chase credit card online, by mail or in person at a Chase bank. You'll need some basic information like your social security number and gross annual income. Here's what else you should know before you submit an application.

The Chase 5/24 rule is infamous in the credit card world. While Chase has never publicly published this policy, data has proven that it almost always applies.

In short, Chase will not approve new applicants who have opened five or more personal credit cards within the last 24 months. This applies to all bank cards, not just Chase cards. You generally have to be under this number to be approved for a new Chase credit card. You can learn more with our full guide to the Chase 5/24 rule .

Chase's 48-month rule states that you're ineligible to earn a bonus on a Chase card if you're a current cardholder of that specific card or if you have already earned a sign-up bonus on a specific card you've had within the last 48 months.

Chase credit card benefits

Chase credit cards come with many benefits and perks. Some notable benefits are highlighted below.

Many Chase cards fit into the Ultimate Rewards ecosystem . However, only three that are available to new applicants earn Ultimate Rewards points: the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card. These Ultimate Rewards points can be transferred to a number of airline and hotel partners but can also be used to book travel directly, making them incredibly valuable when it comes to redemption.

Luckily, if you have one of these products, you can combine your cash-back rewards with your Ultimate Rewards points in a single account — allowing you to maximize your earning. 

Chase is known for some of the best welcome bonuses in the card industry. You can see the current welcome bonus on the card tiles above — and you can refer to our guide with historical offers to see how the current ones measure up.

Travel and shopping protections can be some of the most underrated perks offered by credit card companies. You hope you won’t need to use them, but they can save the day when things go wrong.

One of Chase’s most notable benefits is primary rental car coverage, available on many popular products like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. When you charge a rental car to an eligible card, you’re covered for theft, loss or damage to the vehicle, without needing to invoke your personal insurance. 

Related: Best credit cards with travel insurance

One of the most notable features of Chase cards is their pairability, thus maximizing the reward potential for your wallet. It is worth considering adding multiple Chase cards to your wallet to get the best return on your spending.

There are multiple strategies for pairing Chase cards, but one of the most popular is commonly known as the Chase Trifecta — the Chase Sapphire Reserve®, Ink Business Preferred® Credit Card and Chase Freedom Unlimited®. However, the best combination of cards should be tailored to your spending and specific reward needs.

That being said, you’ll almost certainly want to feature the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred in your strategy to ensure you’re earning fully transferable Ultimate Rewards points. Then, select the cash-back Chase cards that best match your spending habits.

Related: How (and why) to combine your Chase Ultimate Rewards points into a single account

Redeeming your Chase Ultimate Rewards

Chase Ultimate Rewards points are among the most valuable transferable rewards currencies out there. TPG values Ultimate Rewards points at 2 cents each, but you have the potential to redeem them at a higher rate for the right travel redemption. 

In many cases, the best way to use your Chase Ultimate Rewards points is by transferring them to Chase’s travel partners . Popular programs that can unlock luxury travel experiences include World of Hyatt, Air Canada Aeroplan and United MileagePlus. However, if you don’t want to mess with another loyalty program, using your Ultimate Rewards points directly with Chase Travel can still offer a solid value .

For an in-depth look at how to maximize your Chase Ultimate Rewards points, check out our complete guide . 

What TPG readers have to say about their favorite Chase credit cards

We asked TPG readers to share their opinions on their favorite Chase credit cards. From generous travel perks to flexible redemption options, these are the top Chase credit cards, according to our readers.  

Note: Responses have not been edited.

“The $300 travel credit per calendar year (got the card in October and traveled the following year so used the credit twice for this trip) got me free flights and hotels from SFO to HKG, SIN, PKT, PVG. All hotels were on points or booked with travel credits from mine plus significant others [sic] new card.” — Katelyn M via Facebook

“ Chase Sapphire Preferred extends its trip insurance to family members other than spouse and kids. Includes parents, grandkids etc…” — Elaine C via Facebook

Chase Ink Business Unlimited® Credit Card 

“No annual fee, high approval limit, great sign up bonus ! The list of value can go on and on!” — Dean M via X

How to choose the best Chase credit card

• 1 Sign-up bonus Choose a card that aligns with your financial goals — if you’re saving for a big vacation, applying for a card with a generous sign-up bonus may help cover some of the travel costs for that trip.
• 2 Annual fee Whether your preference is a card with no annual fee or a premium card with a high annual fee, choose the one that best fits your lifestyle.
• 3 Bonus categories Choose the card that earns rewards in your most frequently used bonus categories like groceries, gas and streaming subscriptions.

Ask our experts

What's your favorite chase card — and why.

Pros + cons of Chase credit cards

• Using Chase credit cards responsibly can help you build your credit score.
• Chase credit cards can earn points, miles or cash back on every dollar you spend.
• Some Chase credit cards provide purchase, theft and fraud protection.
• Select Chase credit cards provide perks like travel insurance, lounge access and more.
• Chase credit cards can encourage overspending.
• Carrying a balance and using your Chase card irresponsibly can damage your credit score.
• The cost of borrowing on Chase credit cards is higher than traditional loans.
• Having too many card applications can negatively affect your credit score.
• Chase has some of the most stringent application restrictions of any issuer.

Frequently asked questions

There’s no single Chase credit card that’s best for everyone. Instead, it will depend on your spending habits and what rewards you are looking for. Luckily, Chase cards are easy to pair and maximize, so you can consider adding multiple cards to your wallet.

To apply for any Chase card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen instructions to complete (and submit) your application.

Chase doesn’t have an official limit on the number of Chase cards one person can have. In fact, many TPG staffers have had several Chase credit cards at the same time. However, Chase does limit the amount of total credit it will extend to you. It also has the 5/24 rule (more on that below). Finally, as a general rule of thumb, you can only be approved for one personal card and one business card within 90 days — but even that’s not a hard-and-fast rule.

There are also different application rules for specific Chase cards. You can only hold one Sapphire card at a time. You can only have a single personal Southwest credit card; however, you can hold both a Southwest business card and personal card, which is a great way to earn the Southwest Companion Pass.

For more details on Chase’s application rules, read our guide to credit card application restrictions .

That being said, having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

To cancel a Chase credit card, you’ll need to call the number on the back of your card. A phone agent can help you complete the cancellation process. However, be sure to use (or transfer) all of your rewards first, since you may forfeit them after canceling (or shortly thereafter). Pay off any outstanding balances, and be sure to update your account with any merchants that automatically bill the card you’re closing.

Just note that canceling a credit card should not be taken lightly, as it can affect your credit score. You can check out our guide to how to cancel a credit card to help you determine if you should go this route.

Chase does not publish an official score for approval, but our data suggests that a score of at least 670 will increase your chances of getting approved. In addition, rewards credit cards generally require a higher credit score for approval, typically 720-plus.

Having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

Related: How to check your credit score for absolutely free

Please update your browser .

Payments and Cards

Chase and marriott bonvoy ® introduce the newly enhanced marriott bonvoy ® bold credit card.

WILMINGTON, DEL. / BETHESDA, MD Jul 11, 2024 Cardmembers enjoy new travel benefits and earn more points on everyday spend categories, with no annual fee; Best welcome offer ever now available to new cardmembers.

Chase, the largest co-brand card issuer in the U.S., and Marriott Bonvoy ® , Marriott International’s award-winning travel program and marketplace, today announced new and enhanced benefits on the Marriott Bonvoy Bold ® Credit Card . Cardmembers now earn more Marriott Bonvoy points toward free stays and Marriott Bonvoy Moments experiences on a variety of popular everyday spend categories, and have access to an exciting new Travel Now, Pay Later benefit. These enhancements aim to help cardmembers get one step closer to their travel goals by unlocking more inspiring experiences around the world among Marriott Bonvoy’s extraordinary portfolio of more than 30 extraordinary brands and 10,000 global destinations. The card still has no annual fee, even with the addition of these new benefits and features.  

With the new Travel Now, Pay Later benefit, cardmembers can now break up qualifying travel purchases into equal monthly payments, with no interest and no plan fees*. This benefit is available on purchases between $100 to $5,000 made directly with an airline or at hotels participating in Marriott Bonvoy.  Cardmembers earn points on these purchases, like usual.

In addition, Marriott Bonvoy Bold cardmembers now earn 2X points on every $1 spent on purchases at grocery stores and for rideshare, select food delivery, select streaming, and internet, cable, and phone services. Cardmembers also receive Automatic Marriott Bonvoy Silver Elite status every year, which comes with perks like Priority Late Checkout (when available) and 10% more points on stays toward free stays and Marriott Bonvoy experiences. Plus, cardmembers will also receive 5 Elite Night Credits every calendar year to help them achieve even higher Elite status in Marriott Bonvoy and unlocking more program benefits. These upgrades are enjoyed alongside existing earn categories of up to 14X total points for every $1 spent at hotels participating in Marriott Bonvoy, and 1X for every $1 spent on all other purchases.  

“We relaunched the Marriott Bonvoy Bold Credit Card from Chase with the goal of helping new and existing cardmembers make their travel dreams with Marriott Bonvoy a near-term reality,” said Khary Barnes, Managing Director and General Manager of Marriott Bonvoy Co-Brand Cards at Chase. “The addition of the new benefits and features will help the card reach new audiences, with our research demonstrating that both 2X on these everyday purchase categories and the Travel Now, Pay Later benefit highly resonated with Gen Z and Millennial audiences.” 

“The enhanced Bold card means every day purchases will turn into free stays throughout the Marriott Bonvoy portfolio of brands even quicker and it comes with no annual fee making it perfect for younger consumers,” said David Flueck, Global Head of Loyalty, Cards and Partnerships. “We are helping fulfill our members’ passions to explore the world by delivering more ways they can earn points and achieve elite status.”

To celebrate the card’s new benefits and features, the Marriott Bonvoy Bold Credit Card is introducing its best offer ever for new cardmembers: earn 60,000 bonus points and one Free Night Award (valued up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening.

A full list of Marriott Bonvoy Bold Credit Card’s benefits include:

• NEW: The Travel Now, Pay Later benefit allows cardmembers to break up qualifying travel purchases into equal monthly payments, with no interest and no plan fees*. This benefit is available on purchases between $100 to $5,000 made directly with an airline or at hotels participating in Marriott Bonvoy.
• NEW: 2X points for every $1 spent at grocery stores, and on rideshare, select food delivery, select streaming, and internet, cable and phone services.
• Earn 3X points for every $1 spent at hotels participating in Marriott Bonvoy.
• Earn up to 10X points from Marriott Bonvoy for being a member.
• Earn up to 1X points from Marriott Bonvoy Silver Elite status.
• 1X points for every $1 spent on all other purchases
• NEW: Automatic Silver Elite status with Marriott Bonvoy that renews each year. With Silver Elite status, cardmembers get access to perks like Priority Late Checkout (when available) and 10% more points on stays at hotels participating in Marriott Bonvoy.
• NEW: 5 Elite Night Credits every calendar year
• Baggage Delay Insurance
• Lost Luggage Reimbursement
• Trip Delay Reimbursement
• Purchase Protection
• Zero Liability Protection
• Travel Accident Insurance
• Roadside Dispatch
• Travel + Emergency Assistance
• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• No Foreign Transaction Fees
• No Annual Fee  

Plus, Marriott Bonvoy points won't expire, as long as cardmembers remain an active member of the Marriott Bonvoy program.

For more information on the welcome offer, as well as the Marriott Bonvoy Bold Credit Card, click here .

*Access to the Travel Now, Pay Later benefit is not guaranteed.

About Chase

Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States with assets of $4.1 trillion and operations worldwide. Chase serves more than 82 million consumers and 6.4 million small businesses, with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: More than 4,800 branches in 48 states and the District of Columbia, more than 15,000 ATMs, mobile, online and by phone. For more information, go to chase.com

About Marriott Bonvoy

Marriott Bonvoy, Marriott International’s award-winning travel program and marketplace, gives its members access to transformative, eye-opening experiences around the corner and across the globe. Marriott Bonvoy’s portfolio of more than 30 extraordinary hotel brands offers renowned hospitality in the most memorable destinations in the world. Members can earn points for stays at hotels and resorts, including all-inclusive resorts and premium home rentals, as well as through everyday purchases with co-branded credit cards. Members can redeem their points for experiences including future stays, Marriott Bonvoy Moments ® , or through partners for luxurious products from Marriott Bonvoy Boutiques ® . With the Marriott Bonvoy app, members enjoy a level of personalization and contactless experience that allows them to travel with peace of mind. To enroll for free or for more information about Marriott Bonvoy, visit marriottbonvoy.com . To download the Marriott Bonvoy app, go here . Travelers can also connect with Marriott Bonvoy on Facebook , X , Instagram and TikTok .

Media Contacts

Chase Card Services Elizabeth Janis, Chase Communications [email protected]

Marriott International John Wolf [email protected]

British Airways Visa Signature® Credit Card by Chase Launches Luggage Tagged Sweepstakes

Jul 10, 2024

UNITED GATEWAYSM CREDIT CARD SCHOLARSHIPS STRENGTHEN THE PIPELINE FOR THE NEXT GENERATION OF PILOTS

Jun 25, 2024

Chase Freedom® Taps Into Summer Fun with Q3 2024 Cash Back Categories: Select Live Entertainment, Movie Theaters and Gas Stations, EV Charging

Jun 17, 2024

The Infatuation’s EEEEEATSCON Presented by Chase Sapphire® Returns to The Salt Shed Chicago July 13 – 14

Apr 18, 2024

You’re now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

• All Wellness
• All Skin Care
• Moisturizers
• Mineral Sunscreens
• Sunscreens for Kids
• Sunscreens for Dark Skin
• SPF Lip Balms
• Under Eye Patches
• All Hair Care
• Purple Shampoos
• Thinning Hair
• Head Shavers
• Hair Dryers
• All Oral Care
• Electric Toothbrushes
• Toothpastes
• Mouthwashes
• Water Flossers
• Meal Kit Delivery
• Gluten-Free Meal Kit Delivery
• Disposable Face Masks
• Air Purifiers
• Eco-Friendly Laundry Detergents
• Natural Deodorants
• Period Underwear
• All Fitness
• Exercise Bikes
• Walking Shoes
• Fitness Trackers
• Reusable Water Bottles
• Blackout Curtains
• Sound Machines
• Home & Kitchen
• All Home & Kitchen
• Kitchen Appliances & Tools
• All Kitchen Appliances & Tools
• Coffee Makers
• Kitchen Gadgets
• Small Home Appliances
• All Small Home Appliances
• Air Conditioners
• Space Heaters
• Humidifiers
• Bedding & Bath
• All Bedding & Bath
• Bath Towels
• Silk Pillowcases
• Duvet Inserts
• Office Chairs
• Standing Desks
• Desk Organizers
• Seat Cushions
• Under Desk Ellipticals
• All Outdoor
• Raised Garden Boxes
• Garden Hoses
• Beach Towels
• Solar Pool Covers
• Grilling Accessories
• Electronics
• All Electronics
• Wifi Routers
• Gaming Consoles
• Streaming Devices
• Instant Cameras
• Handheld Gaming Consoles
• 3D Printers
• All Headphones
• Noise Canceling
• Wireless Earbuds
• Smart Gadgets
• All Smart Gadgets
• Smart Watches
• Smart Bulbs
• Garage Door Openers
• All Computers
• Gaming Laptops
• Laptops for College Students
• Computer Monitors
• Ergonomic Keyboards
• Dog Carriers
• Litter Boxes
• Scratching Posts
• Cat Carriers
• All Pet Care
• Nail Clippers
• Flea & Tick
• All Luggage
• Lightweight
• Weekender Bags
• Accessories
• All Accessories
• Luggage Tags
• Travel Pillows
• Tech Gadgets
• Packing & Organization
• All Packing & Organization
• Packing Cubes
• Toiletry Bags
• Gift Guides
• All Gift Guides
• Valentine's Day
• All Valentine's Day
• For Any Loved Ones
• Mother's Day
• All Mother's Day
• Last Minute Gifts
• Best Mother's Day Gifts
• For Moms Who Have Everything
• Best from Amazon
• All Graduation
• For College Grads
• For High School Grads
• For Teachers
• Father's Day
• All Father's Day
• Best Father's Day Gifts
• For Dads Who Love Fishing
• Holiday Season & Christmas
• All Holiday Season & Christmas
• Gifts Under $25
• Practical Gifts
• Other occasions & loved ones
• All Other occasions & loved ones
• For Grandparents
• For Bridal Shower
• For New Parents
• For Any Occasion
• Deals & Sales
• All Deals & Sales
• Most Popular This Month
• Sales This Week
• New & Notable
• What to Buy This Month
• CNBC Select
• All CNBC Select
• Credit Cards
• Small Business
• Personal Finance
• Credit Monitoring
• Help for Low Credit Scores
• Sign up for the Select Newsletter
• Check out Shop TODAY
• Privacy Policy
• Do Not Sell My Personal Information
• Terms Of Service
• NBC News Sitemap

Follow Select

Amazon’s secret Prime Day deals: Save on credit cards, subscriptions, travel and more

Amazon's Prime Day deals are plentiful, but the discounts don’t stop there. The retailer is also offering a handful of Prime member -exclusive promotions, including free gift cards or savings on travel bookings. However, these promos aren’t front and center on the retailer’s site, so you may not know about them yet.

Below are some of the best Prime Day credit card, subscription, food and travel deals worth taking advantage of , plus how to save through Buy with Prime. Make sure you note when the deals end so you don’t miss out on them. We’ll continue updating you about these Prime Day deals and more during Amazon’s mega sale, which live now through on Jul. 17.

SKIP AHEAD Buy with Prime deals | Buy with Prime home, kitchen and tech deals | Buy with Prime beauty, wellness and hobbies deals | Best Prime Day credit card deals | Best Prime Day subscription and travel deals | Best Prime Day food and grocery deals

select When will Prime Day be this year? Here’s everything we know so far

Buy with prime deals.

Beyond Amazon's exclusive sales and invite-only deals , Prime members can access even more discounts when they Buy with Prime directly through participating brands’ websites. Buy with Prime partners include Bearaby , Pizza Pack , Carbone Fine Food and The Woobles . Here’s how to take advantage of these exclusive deals:

• Browse Buy with Prime deals here . When you find one you want to purchase, click on it to visit the product page on the brand’s site.
• On the product page, scroll down to the blue button that says “Buy with Prime.” You’ll either be prompted to sign into your Amazon Prime account or get automatically logged in.
• Select a payment method and address saved in your Prime account, then complete the checkout process.
•  Since you’re buying through Amazon Prime, you’ll get free, fast shipping on your order. You can track it through Amazon’s app or website.

The best Buy with Prime deals: Home, kitchen and tech

Home, kitchen and tech deals.

Pizza Pack Single

Contour Swan Full Body Pillow

Contour Living

Baby Brezza One Step Baby Bottle Sterilizer and Dryer Advanced

Baby Brezza

Truff Variety Pack

JBuds Air Pro ANC

Nixplay 10.1” HD Touch Screen Wi-Fi Digital Frame

The best buy with prime deals: beauty, wellness and hobbies, beauty, wellness and hobbies deals.

SiO Beauty Super LipLift

Roe Beauty Stretch Mark Cream

Roe Wellness

Lifepro RejuvaWrap Infrared Sauna Blanket

iHealth Nexus Wireless Body Composition Scale

iHealth Labs

PureSleep Snoring Mouthpiece

The Woobles Narwhal Crochet Kit

The Woobles

Best Prime Day credit card deals

• Prime Visa credit card : Prime members can get a $200 Amazon gift card upon approval for a Prime Visa credit card through Jul. 24.
• Prime Store card : Prime members can get a $80 Amazon gift card upon approval for a Prime Store Card through Jul. 17.
• Prime Card Bonus : Amazon cardmembers with Prime memberships can earn 10% back or more on Prime card exclusive deals from brands like Bissell , Dyson , Shark and Sony .

Best Prime Day subscription and travel deals

• Amazon Music Unlimited : Prime members who haven’t tried Amazon Music Unlimited yet can sign up for five months free.
• Kindle Unlimited : Eligible Prime members can get three months of Kindle Unlimited for free through Jul. 17.
• Audible Premium Plus : Prime members can get their first three months of Audible Premium Plus for free.
• Amazon Travel Deals : Prime members can save on travel experiences by booking through the Amazon Travel Deals Page. For example, you can get up to 40% off select sailings with Carnival Cruise Line and 30% off Avis rentals, plus 10% back in an Amazon gift card.

Best Prime Day food and grocery deals

• Amazon Fresh : Prime members can get coupons for $15 off a $75+ total purchase when shopping at Amazon Fresh’s physical stores.
• Amazon grocery subscription : Prime members and those with a registered EBT card who haven’t signed up yet can get three free months of Amazon’s new grocery subscription program. 

Why trust NBC Select?

I’m an associate updates editor for NBC Select who has covered deals and sales for five years. To round up the best Prime Day deals on credit cards, travel, subscriptions and more, I researched promotions exclusive to Prime members on Amazon’s website.

Catch up on NBC Select’s in-depth coverage of personal finance , tech and tools , wellness and more, and follow us on Facebook , Instagram , Twitter and TikTok to stay up to date.

Zoe Malin is an associate updates editor for Select on NBC News.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Guide to Chase Transfer Partners

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Which Chase Sapphire transfer partners are the best?

Chase airline transfer partners: the complete list, chase hotel transfer partners: the complete list, chase points calculator, how to earn chase ultimate rewards® points, chase travel cards with transfer partners, how do you transfer chase points, using chase transfer partners: is it worth it.

Chase Ultimate Rewards® are some of the most valuable transferable points available. Called Chase Ultimate Rewards® points, they can be redeemed for travel through Chase's travel portal for 1 cent each on certain cards. However, they can be redeemed at a higher value of 1.25 cents each if you have a Chase Sapphire Preferred® Card or an even more impressive 1.5 cents each if you have a Chase Sapphire Reserve® . That type of exchange on its own makes for an excellent way to redeem Chase Ultimate Rewards® points .

However, that's not necessarily the best way to redeem Chase points because three specific Chase cards available in 2024 offer what might be potentially far more value.

The cards at play here are the:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Ink Business Preferred® Credit Card .

» Jump to learn more about these card options .

With those cards, you have the additional option to send those points to one of Chase's transfer partners , which are generally hotel chains and airlines. And assuming you hold (or someone in your household owns), one of those three Chase cards, you'll very likely unlock even greater value out of your spending rewards when you use one of the Chase Ultimate Rewards® transfer partners. That's because converting Chase points to hotel points or airline frequent flyer miles can often maximize their value.

» Learn more: The best travel credit cards right now

Before we dig into the best Chase Sapphire transfer partners, here's a complete overview of the estimated value of transferring Chase points to each transfer partner, sorted in alphabetical order:

Using that estimated value stated above, here's the ultimate NerdWallet power ranking of the six best Chase transfer partners (with No. 1 being the best) are:

World of Hyatt.

Virgin Atlantic Flying Club.

JetBlue TrueBlue.

Southwest Airlines Rapid Rewards.

Air Canada Aeroplan.

Air France/KLM Flying Blue.

Best airline partner for Chase points

As far as Chase's airline transfer partners go, Virgin Atlantic Flying Club is Chase' best airline transfer partner. Even still, you can easily get more than 1 cent per point in value from Chase points when you transfer points from Chase to fixed-value programs like Southwest Rapid Rewards and JetBlue TrueBlue.

Other airline transfer partners can be hit-and-miss, such as Emirates, which is generally a miss when points are transferred to book Emirates economy class . But, it's usually a massive hit if you can transfer Chase points to be used for booking the incredibly-swanky Emirates business class on points.

Best Chase hotel transfer partner

Meanwhile, World of Hyatt comes out on top as the best Chase hotel partner. And not only is it the best hotel partner, but it's the best travel partner period given that eye-popping value over 2 cents.

NerdWallet's estimated value is exactly that — an estimate. You might find individually great redemptions while using other Chase transfer partners for specific trips.

Of the 14 Chase Ultimate Rewards® transfer partners, 11 are airline mileage programs, which are:

Aer Lingus AerClub

Aer Lingus AerClub became one of the Chase travel partners in 2017. While not officially part of the Oneworld alliance, Aer Lingus partners with several Oneworld airlines — most notably British Airways, Iberia and Qatar .

Air Canada Aeroplan

There are plenty of reasons not to overlook Aeroplan — the newest of the Chase Sapphire airline partners. Air Canada is a Star Alliance member, so you can use Aeroplan points to book award flights on any Star Alliance airline, including United.

Seek out those Aeroplan sweet spots to help boost the value of Aeroplan points to 1.4 cents for award tickets.

» Learn more: A guide to Air Canada’s Aeroplan rewards loyalty program

Air France-KLM Flying Blue

Flying Blue is the loyalty program of Air France, KLM, Kenya Airways and a few smaller airlines. Because many Flying Blue airlines are members of the SkyTeam alliance , you can transfer points from Chase to Flying Blue to book award flights on other SkyTeam member airlines, such as Delta Air Lines.

The Flying Blue program offers a monthly Promo Rewards promotion that discounts certain routes by up to 50% — which can make Flying Blue sweet spots even a better deal.

» Learn more: A points collector’s guide to Air France-KLM Flying Blue

British Airways Executive Club

Most travelers might think of flights to London when thinking about British Airways. However, that's not where the value of British Airways Avios lies. In fact, most British Airways Avios sweet spots don't involve flying British Airways.

Instead, use this Chase transfer partner to book inexpensive awards on American Airlines, Alaska Airlines and other Oneworld partners — including flying to the Caribbean .

» Learn more: The complete guide to the British Airways Avios program

Emirates Skywards

Dubai-based Emirates Airlines is best known for its glitzy business- and first-class products. And while premium cabins command huge cash prices, paying with miles through the Emirates Skywards loyalty program is possible and considered the best use of miles (as opposed to using miles to book in the Emirates economy class ). A NerdWallet analysis found that you only get about 0.6 cent per mile in value for Emirates economy, but the value of Emirates miles jumps up if you redeem an award in Emirates business class.

Unfortunately, the Emirates Skywards sweet spots are limited — particularly on partner airlines. That said, the Skywards program is one of only a few ways to book Emirates first class with points since the airline restricts award availability through partner airlines.

» Learn more: The guide to Emirates Skywards

Iberia Plus

Just like British Airways, Iberia is a member of the Oneworld alliance and uses the Avios program. And after Iberia's recent overhaul to its award chart , award rates to book American Airlines flights match the British Airways Executive Club’s rates on partner airlines. However, other Iberia sweet spots include some incredible gems. Iberia often offers among the cheapest business class awards to Europe .

» Learn more: What to know about Iberia Airlines Plus loyalty program

JetBlue TrueBlue

JetBlue uses a revenue-based TrueBlue points program in which the required number of points for an award roughly equates to the cash price of the flight. That means you can't get outsized value from redeeming TrueBlue points.

However, just because the program doesn't have an upside doesn't mean JetBlue isn't a good Chase transfer partner. TrueBlue points are worth 1.5 cents per point — making it a valuable currency for economy flights among U.S. airlines.

» Learn more: The complete guide to the JetBlue TrueBlue rewards program

Singapore Airlines KrisFlyer

Singapore Airlines is another Star Alliance Chase travel partner that can provide excellent premium cabin redemptions. Singapore KrisFlyer sweet spots include flights to Europe and Hawaii, and flights within the continental U.S. Luxury travelers also flock to KrisFlyer, as it's typically the only way to book the award-winning Singapore first class product with points.

» Learn more: The guide to Singapore Airlines’ KrisFlyer frequent flyer program

Southwest Airlines Rapid Rewards

Like JetBlue, Southwest uses a revenue-based redemption program, where points prices correlate with cash prices. This means you don't have to seek out sweet spots to get good value from your Southwest Rapid Rewards points.

Instead, the value of Southwest Rapid Rewards is a predictable 1.5 cents per point when redeemed for Southwest flights. Steer clear of other Rapid Rewards redemptions for hotels, rental cars or merchandise though, as the redemption value can drop to 0.6 cents per point.

» Learn more: The complete guide to Southwest Rapid Rewards

United MileagePlus

United joins JetBlue and Southwest as the three U.S.-based Chase Sapphire airline partners. MileagePlus miles are worth around 1.2 cents per mile when redeemed for United economy flights .

In addition to redeeming miles on United, you can redeem United MileagePlus miles for award flights on other Star Alliance partners. Just keep in mind that United can charge more miles for partner awards.

» Learn more: The complete guide to United MileagePlus program

Virgin Atlantic Flying Club

London-based Virgin Atlantic is a member of the SkyTeam alliance and it uses a different redemption chart for each partner, meaning the Flying Club sweet spots are just as diverse as its partners.

» Learn more: The guide to Virgin Atlantic Flying Club

Chase has just three hotel loyalty program parters, which are:

IHG One Rewards

The IHG loyalty program is good, but it's generally a weak Chase transfer partner.

NerdWallet values IHG points at 0.8 cent each. But since Chase points transfer to IHG One Rewards at the same 1:1 transfer ratio as all other partners, that makes for a pretty bad transfer that can actually devalue your points. Unless you find a killer IHG redemption, only transfer points from Chase to IHG to top off your account if you're a few points shy of booking a hotel you want with the rest of your IHG points. Otherwise, you’re generally better off booking IHG hotels via Chase's portal.

» Learn more: What you need to know about IHG One Rewards

Marriott Bonvoy

Marriott Bonvoy is one of the largest hotel loyalty programs around. You can redeem Bonvoy points for free nights and room upgrades at over 7,000 properties across more than 30 brands.

However, bigger isn't always better. When NerdWallet analyzed the value of Marriott Bonvoy points , we found that points were worth around 0.8 cent each. That puts Marriott in the same category as IHG, where points often lose their value when you transfer them from Chase to Marriott Bonvoy.

Considering Chase points can be redeemed for 1.25 cents or 1.5 cents each (depending on which Sapphire card you have), make sure that you're getting at least this much value before transferring Chase points to Marriott Bonvoy — which is unlikely. With that, save Bonvoy transfers only for situations where you find an outstanding hotel deal, or if you need just a few more points to book using your existing Bonvoys.

» Learn more: The complete guide to the Marriott Bonvoy program

World Of Hyatt

World of Hyatt is undoubtedly Chase's most valuable hotel transfer partner — and perhaps its most valuable travel partner overall, too. In NerdWallet's analysis, World of Hyatt points are worth 2.3 cents each when used for award stays.

Hyatt is one of a few hotel loyalty programs that still publishes an award chart . That means predictability in planning how many points an award stay may cost. Award nights start at 3,500 points, meaning you can really stretch out your Chase points at Hyatt hotels.

» Learn more: The complete guide to the World of Hyatt loyalty program

Is it worth transferring Chase points to united?

While you might book hotels and airfares with cash or through Chase’s travel portal , it’s clearly often a better deal to put in the extra effort and transfer your points to one of Chase’s transfer partners — especially those named above. That said, folks seeking to maximize value should always calculate the value of the Chase Ultimate Rewards® points relative to the price to pay for airfare or hotel rooms in cash.

Use NerdWallet’s Chase points calculator below to determine the value of your points, based on both the baseline and NerdWallet estimated values:

With a little bit of research, you can get even more value through other Chase Ultimate Rewards® transfer partners versus redeeming points through the Chase portal.

The most common way to earn Chase Ultimate Rewards® points is through spending on a Chase credit card that participates in Chase Ultimate Rewards®. You might earn points through taking advantage of introductory offers — where you can get a windfall of points upon meeting a certain threshold within a window of time upon card approval — and via ongoing spending.

Just note that not all Chase credit cards earn transferable Ultimate Rewards® points. That said, Chase cards that do earn transferable Ultimate Rewards® points include:

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Chase Freedom Flex®

Chase Freedom Unlimited®

Ink Business Preferred® Credit Card

Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Some of these cards offer bonus points in certain categories, so someone seeking to maximize their points earning might have multiple cards in their wallet to use depending on the transaction. To maximize points, you might use the Chase Sapphire Preferred® Card to pay at restaurants (it earns 3 points per $1 spent on dining), the Chase Freedom Flex® to pay at drugstores (it earns 3% back at drugstores) and the Ink Business Cash® Credit Card to pay the monthly internet bill (it earns 5% back on internet, cable and phone services, up to a combined $25,000 in annual spending).

Even though the latter two cards don't let you transfer your rewards directly to any of the above airline or hotel partners, you can transfer them to another card that you hold (or that someone in your household holds), as long as that card is one of the cards that allows for transfers to partner airline and hotel brands.

The three Chase travel cards with transfer partners are the Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card .

on Chase's website

Annual fee: $95 .

Earning rates:

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Bonus offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Annual fee: $550 .

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Bonus offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Bonus offer: Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠.

Use this guide to learn how to transfer Chase points between two credit cards you own.

Here's how to to transfer Chase points to family member or spouse .

Once you've got all the points you need in one account, you're ready to then send them to the actual airline or hotel loyalty program you want to convert your Chase points into. Learn how to transfer Chase Ultimate Rewards® points to travel partners here.

Chase Ultimate Rewards offers a smaller selection of transfer partners compared to some competitors with transferable bank point currencies like American Express, Capital One and Citi. But some say that size matters not (at least in terms of number of transfer partners).

It's more about their value — and some Chase travel partners are particularly valuable. Just look at Hyatt as an example. Using this Chase hotel partner can morph a point that might be worth a measly 1 cent each when exchanged for Chase to something worth more than 2 cents when used for a Hyatt hotel room. That offer becomes even more tantalizing when you consider that NerdWallet ranks World of Hyatt among the most valuable hotel rewards programs out there.

With that, Chase Ultimate Rewards® points rank among the most valuable transferable points available.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

IHG One Rewards Premier Credit Card

Earn 5 free nights at an IHG property after $4k in spend (each night valued at up to 60k points).

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Discover It® Cash Back Discover It® Student Chrome Discover It® Student Cash Back Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Cards Best Discover Cards Best American Express Cards Best Visa Credit Cards Best Bank of America Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Roth IRAs Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Debt relief Best debt management Best debt settlement Do you need a debt management plan? What is debt settlement? Debt consolidation vs. debt settlement Should you settle your debt or pay in full? How to negotiate a debt settlement on your own
• Debt collection Can a debt collector garnish my bank account or my wages? Can credit card companies garnish your wages? What is the Fair Debt Collection Practices Act?
• Bankruptcy How much does it cost to file for bankruptcy? What is Chapter 7 bankruptcy? What is Chapter 13 bankruptcy? Can medical bankruptcy help with medical bills?
• More payoff strategies Tips to get rid of your debt in a year Don't make these mistakes when climbing out of debt How credit counseling can help you get out of debt What is the debt avalanche method? What is the debt snowball method?
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Climate Change
• Corrections Policy
• Sports Betting
• Coach Salaries
• College Basketball (M)
• College Basketball (W)
• College Football
• Concacaf Champions Cup
• For The Win
• High School Sports
• H.S. Sports Awards
• Scores + Odds
• Sports Pulse
• Sports Seriously
• Women's Sports
• Youth Sports
• Celebrities
• Entertainment This!
• Celebrity Deaths
• Policing the USA
• Women of the Century
• Problem Solved
• Personal Finance
• Consumer Recalls
• Video Games
• Product Reviews
• Home Internet
• Destinations
• Airline News
• Experience America
• Great American Vacation
• Ingrid Jacques
• Nicole Russell
• Meet the Opinion team
• How to Submit
• Obituaries Obituaries
• Contributor Content Contributor Content

Personal Loans

Best personal loans

Auto Insurance

Best car insurance

Best high-yield savings

CREDIT CARDS

Best credit cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit cards

Citi Strata vs. Chase Sapphire Preferred

Stella Shon

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 6:10 a.m. UTC July 15, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

invizbk, Getty Images

There are two popular travel credit cards that won’t break the bank: the $95-annual-fee Citi Strata Premier℠ Card * The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. and the $95-annual-fee Chase Sapphire Preferred® Card . The two cards’ sub-$100 annual fees make them cost-effective choices compared to many premium credit cards, which can often have fees that are three times higher.

It’s important to examine each credit card’s features and benefits further to determine which one is the best fit. While the Citi Strata Premier has a wider (and more generous) range of bonus categories, the Sapphire Preferred is part of a reputable rewards program that can help you stretch the value of your points for travel. 

The Citi Strata Premier is the revamped version of the Citi Premier card, which is no longer available to new applicants. However, the Strata Premier now offers up to 10 points per $1 on select travel purchases. But even with the new features on the card, the Sapphire Preferred maintains its slight edge by offering one of the best-in-class travel insurance and purchase protections for consumers.

our partner

Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Citi Strata Premier Card vs Chase Sapphire Preferred Card overview

Rewards and benefits.

Let’s conduct a deep dive into the rewards and benefits of the Citi Strata Premier and the Chase Sapphire Preferred.

Earning rewards

The Citi Strata Premier earns 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.

The Chase Sapphire Preferred earns 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

Both cards offer elevated bonuses on various purchases. However, the Citi Strata Premier offers better returns on everyday spending with its rewards at restaurants, supermarkets and gas.

If you want to maximize your travel purchases, however, the Chase Sapphire Preferred is a better earner in the long run, even though the Citi Strata Premier offers 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.

Meanwhile, the Chase Sapphire Preferred offers 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

Finally, the Sapphire Preferred also offers a 10% anniversary bonus on your entire year’s spending. For example, by spending $50,000 on the card, you’d get an anniversary bonus of 5,000 points.

Redeeming rewards

The Strata Premier is a Citi card that earns Citi ThankYou® points , while the Chase Sapphire Preferred earns Chase Ultimate Rewards® points . Each rewards program offers various redemption options, such as travel, gift cards and cash back.

With the Citi Strata Premier, your points will be worth a flat rate of 1 cent each. In other words, redeeming 10,000 points would be worth $100 for travel through Citi Travel Center, gift cards and more. 

The Chase Sapphire Preferred has the same cash-back redemption of 1 cent per point, but points are worth more when redeeming them through the Chase Travel website . In fact, they’re worth 1.25 cents apiece, which is an excellent way to book flights, hotels and experiences.

Transfer partners

Both the Citi ThankYou Points and Chase Ultimate Rewards programs offer the ability to transfer rewards to a select group of airline and hotel partners. Most of your points will transfer at a 1:1 ratio, which means one Citi or Chase point will equal one airline mile or hotel point.

Here’s a look at the Citi ThankYou partners. All of your Citi ThankYou points transfer at a 1:1 ratio except for Choice Privileges, which as a 1:2 ratio:

• Aeromexico Club Premier
• Air France / KLM Flying Blue
• ALL – Accor Live Limitless
• Avianca Airlines Lifemiless
• Cathay Pacific Asia Miles
• Choice Privileges
• Emirates Skywards
• Etihad Guest 
• EVA Air Infinity MileageLands
• JetBlue TrueBlue
• Leaders Club
• Qantas Airways Frequent Flyers
• Qatar Airways Privilege Club
• Singapore Airlines KrisFlyer
• Thai Airways Royal Orchid Plus
• Turkish Airlines Miles & Smiles
• Virgin Atlantic Flying Club
• Wyndham Rewards

And here’s a look at Chase’s transfer partners , which all move over at a 1:1 ratio: 

• Air Canada Aeroplan
• British Airways Executive Club
• Iberia Plus
• IHG One Rewards
• Marriott Bonvoy
• Southwest Rapid Rewards
• United MileagePlus
• World of Hyatt

While Citi ThankYou has more participating programs, Chase’s list of transfer partners is more relevant to U.S. travelers. You can transfer Chase points to three domestic airlines and a wider range of hotel programs. 

The Citi Strata Premier offers a more rewarding welcome bonus for new applicants. With the Strata Premier, you can earn 75,000 points after spending $4,000 on purchases in the first three months of account opening.

New applicants of the Chase Sapphire Preferred will earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

Hotel credit

The Citi Strata Premier offers a $100 annual hotel benefit for cardholders. You can save $100 off a single hotel stay of $500+ (excluding taxes and fees) when booked through CitiTravel.com each calendar year.

Similarly, the Chase Sapphire Preferred has an annual $50 hotel credit when booked through Chase Travel. While this is lower than the Citi Strata Premier, there’s no minimum spend requirement to trigger the $50 statement credit. 

Travel benefits

With the launch of the new Citi Strata Premier , the card has boosted its suite of complimentary travel insurance benefits. By paying for travel expenses with the card, you’ll get access to the following:

• Trip delay protection: Up to $500 in incurred costs for delays longer than 6 hours.
• Auto rental collision damage waiver: Secondary insurance that offers protection after your primary rental car insurance and you decline coverage at the rental car counter.
• Trip cancellation and interruption insurance: Up to $5,000 maximum per person or $10,000 in total claims per 12 months. 
• Lost and damaged luggage protection: Up to $3,000 in coverage with a limit of 2 claims per 12 months.

The Chase Sapphire Preferred offers many travel insurance benefits as well:

• Trip delay protection: Up to $500 in incurred costs for delays longer than 12 hours.
• Auto rental collision damage waiver: Primary insurance that offers protection when you decline coverage at the rental car counter.
• Trip cancellation and interruption insurance: Up to $10,000 per person or $20,000 per trip.
• Baggage delay insurance: Up to $100 per day (maximum of 5 days).
• Lost luggage reimbursement: Up to $3,000 per passenger.
• Travel and emergency assistance services: Available 24/7 to coordinate referrals and services while traveling.

Overall, the Chase Sapphire Preferred provides significantly more comprehensive travel coverage, particularly for rental car insurance. The card covers most rental cars for up to 31 days, which is a substantial benefit of this rewards credit card . On the other hand, the Strata Premier does provide trip delay reimbursement for delays exceeding 6 hours, compared to the 12-hour threshold on the Chase Sapphire Preferred. 

Winner for rewards and benefits: Chase Sapphire Preferred.

Fees and charges

When applying for any credit card, you’ll want to know how much you’ll be charged for holding the account open. In the case of the Citi Strata Premier and Sapphire Preferred, the fees and charges are comparable.

The Citi Strata Premier and the Sapphire Preferred both have an annual fee of $95 typically charged to your first credit card statement. Frequent travelers can justify this ongoing cost by taking advantage of the perks and strong rewards rates each card offers.

Foreign transaction fee

Either card is a great option for your travels abroad. Both the Citi Strata Premier and the Sapphire Preferred waive foreign transaction fees, which are surcharges on transactions made outside of the U.S.

Balance transfer fee

If you’re transferring credit card balances , you’ll have to pay the variable APR along with the following additional fees: 

• Citi Strata Premier: either $5 or 5% of the amount of each transfer, whichever is greater. 
• Chase Sapphire Preferred: Either $5 or 5% of the amount of each transfer, whichever is greater.

Winner for fees and charges: It’s a tie.

Additional perks

Both cards offer many ways to justify the ongoing annual fee. Let’s take a closer look at what’s available for everyday use. 

Purchase protection

The Citi Strata Premier and the Chase Sapphire Preferred both offer purchase protection benefits, but the Strata Premier covers higher-priced purchases. With the Strata Premier card, certain items purchased with the card and damaged or stolen within 90 days are eligible for coverage with this complimentary benefit which includes up to $10,000 of reimbursement per item and up to $50,000 in coverage per calendar year. With the Chase Sapphire Preferred card, certain items purchased with the card and damaged or stolen within 120 days are eligible for coverage with this complimentary benefit. Finally, the coverage limits are the same, which includes up to $500 of reimbursement per item and up to $50,000 in coverage per calendar year.

Extended warranty

The extended warranty benefit offers additional months of coverage beyond a given U.S. manufacturer’s warranty of an item you may purchase with the card. The Citi Strata Premier provides up to 24 months of additional coverage and provides up to $10,000 in reimbursement for qualifying claims. 

On the other hand, the Chase Sapphire Preferred provides an additional year of coverage on original eligible warranties of three years or less. The maximum reimbursement amount is $10,000 per item and $50,000 per account.

Roadside assistance

The Chase Sapphire Preferred gives its cardholders access to its pay-per-use roadside dispatch program. The program is available 24/7 within the U.S., and no membership or enrollment in the benefit is required. 

The Citi Strata Premier does not offer roadside assistance benefits.

Winner for additional perks: Chase Sapphire Preferred.

Citi Strata Premier card might be right for you if:

• You can take advantage of the outstanding earning rate on hotels, car rentals and attractions booked through the Citi Travel Center, with up to 10 points per $1 spent.
• You travel occasionally and prefer to rack up a ton of bonus points on everyday purchases, from gas stations to supermarkets.
• You can save $100 on a single hotel stay of $500 or more booked through the Citi Travel Center each calendar year. 

Chase Sapphire Preferred card might be right for you if:

• You want to earn some of the most valuable travel rewards points out there and have the ability to book flights, hotels and more with a 25% bonus through Chase Travel.
• You want a credit card with strong travel and purchase coverages, such as primary rental car insurance and extended warranty.
• You want access to Chase’s 1:1 transfer partners, which include IHG One Rewards, Southwest Rapid Rewards, United MileagePlus, World of Hyatt and more.

Bottom line

Both the Citi Strata Premier and the Chase Sapphire Preferred offer an array of benefits and features, whether you’re traveling internationally or renting a car closer to home. 

Even so, the Chase Sapphire Preferred will stand out for most travelers as it offers a rewarding way to redeem points: Book travel with a 25% bonus through the Chase Travel portal. Coupled with its extensive list of airline and hotel transfer partners, the Chase Sapphire Preferred excels in nearly every category of our detailed card comparison. 

Frequently asked questions (FAQs)

The Chase Sapphire Preferred card has more valuable travel redemption options than Citi. For instance, you can redeem your points for 25% more value through the Chase Travel portal, which offers better 1:1 transfer partners, including United MileagePlus, Southwest Rapid Rewards and World of Hyatt.

No, you cannot enter airport lounges with the Chase Sapphire Preferred Card, which includes the newly opened Chase Sapphire lounges . To access it, you’ll need to upgrade to the Chase Chase Sapphire Reserve® , which has a $550 annual fee.

The best card will depend on your willingness to pay an annual fee and the specific benefits you seek. The Platinum Card® from American Express (terms apply) and the Chase Sapphire Reserve Card are the best for airport lounge access, while the Chase Sapphire Preferred Card is the best for affordable travel rewards.

For your best chances of approval, you should have a good to excellent credit score or at least a 670+ score.

You can earn 75,000 points after spending $4,000 on purchases in the first three months of account opening.

*The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Chase trifecta: What it is and how to maximize it

Credit cards Ryan Smith

Best credit cards for families of July 2024

Credit cards Dawn Papandrea

Best credit cards for young adults of July 2024

Credit cards Harrison Pierce

How to redeem Citi Double Cash credit card rewards

Credit cards Rebecca Safier

Chase Ink Business Preferred welcome offer reaches new heights with 120k points for big spenders

Credit cards Carissa Rawson

Guide to Citi ThankYou transfer partners

Credit cards Lee Huffman

Blink and you’ll miss it, new elevated offers on IHG credit cards

Credit cards Sarah Sharkey

Best credit cards for lounge access of July 2024

Best cash-back credit cards with no annual fee of July 2024

Credit cards Julie Sherrier

Top credit cards to use for Amazon Prime Day 2024

Credit cards Sarah Brady

Here’s what I wish I’d known before canceling my Chase Sapphire Preferred

Credit cards Allie Johnson

How to get a Citi credit limit increase

6 reasons why my favorite Ink card is the Chase Ink Business Unlimited

Credit cards Juan Ruiz

Top cards to pair with the Chase Sapphire Preferred

Chase Slate Edge vs. Chase Freedom Unlimited 2024

Chase for Business

Unlimited 2% cash back *

Unlimited 1.5% Cash Back **

5% cash back in select business categories ***

3X on shipping and select advertising ****

No need to swipe! No need to worry!

Quickly tap, securely pay and be on your way anywhere you see the contactless symbol.

Visit https://www.chase.com/personal/credit-cards/contactless Opens in a new window for more information.

Compare Cards

New cardmember offer, earn rewards, redemption options, employee cards at no additional cost * , ** , *** , ****, travel & purchase protections, auto rental collision damage waiver ^, trip cancellation/trip interruption insurance ^, travel and emergency assistance services ^, roadside dispatch ^, purchase protection ^, cell phone protection ^, extended warranty protection ^.

returns to benefits disclaimer reference ^ These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Auto Rental Collision Damage Waiver

Trip cancellation/trip interruption insurance, travel and emergency assistance services, roadside dispatch, purchase protection, cell phone protection, extended warranty protection, built-in fraud protection.

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

* Offer Details For Ink Business Premier

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

$1,000 Cash Back After You Spend $10,000 On Purchases In The First 3 Months From Account Opening: You will receive 100,000 bonus points with this bonus offer, which can be redeemed for $1,000 cash back. To qualify and receive your bonus, you must make Purchases totaling $10,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Cash Back And Points: Rewards Program Agreement: For more information about the Ink Business Premier rewards program, view the latest Rewards Program Agreement (PDF) . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards . Cash Back and Points:  “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. You may also see, “points” or “Ultimate Rewards points” when referring to the points you can use. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Ink Business Premier credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2% Cash Back: You’ll earn 2% Cash Back rewards for each $1 spent. 2.5% Cash Back: You’ll earn 2.5% Cash Back rewards total for each $1 spent on every purchase totaling $5,000 or more (0.5% additional Cash Back rewards on top of the 2% Cash Back rewards earned on each purchase). Each purchase must bill and post to your account in an amount that is equal to or greater than $5,000 in order to earn a total of 2.5% Cash Back rewards; for example, purchases with items that ship at different times and bill in amounts less than $5,000 will only qualify for earning 2% Cash Back rewards. 5% Cash Back: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases made using your card through Chase Travel (3% additional Cash Back rewards on top of the 2% Cash Back rewards earned on each purchase). 5% total Cash Back on qualifying Lyft rides through 03/2025: You’ll earn an additional 3% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see “5% Cash Back rewards” in marketing materials to refer to the 3% Cash Back rewards earned in addition to the 2% Cash Back rewards earned on all purchases (see above). The additional 3% Cash Back rewards will appear on your billing statement in a separate line from the 2% Cash Back rewards. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs .

Flex for Business: We may assign a portion of your Credit Access Line for use with Flex for Business. Flex for Business allows a portion of your Credit Access Line to be used for qualifying purchases over time, with interest. You can avoid interest on new Flex for Business purchases if you pay your entire statement New Balance by the due date and time. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count: balance transfers, cash advances and other cash-like transactions, travelers checks, foreign currency, money orders, or wire transfers, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. A “qualifying purchase” is a purchase of a set dollar amount or higher that we will communicate to you when you are approved for the card. When you use your card for qualifying purchases, they will automatically be included in your Flex for Business balance, provided there is enough available credit in your Flex for Business limit for the entire qualifying purchase amount. We will post your Flex for Business limit and qualifying purchases amount on chase.com . We may cancel, change or restrict your Flex for Business limit and qualifying purchase amount at any time.

Adding An Employee Card: If any employees are allowed to use the account, they will be authorized users and will have equal charging privileges unless individual spending limits are established for them. You, as the Authorizing Officer, together with the business are responsible for any use of the account by you, an authorized user or anyone else permitted to use the account. You, together with the business, are responsible for repaying all balances on the account. All correspondence, including statements and notifications, will be sent to you as the Authorizing Officer. By requesting to add an employee cardholder to the account, you represent all information provided is accurate and is for persons with which the business has a relationship. You also represent that the business has permission to provide the employee information to Chase and to add the employee as a cardholder. If Chase determines any information provided is fraudulent, Chase has the right to close the account.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Ink Business Premier credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

** Offer Details for Ink Business Unlimited

$750 Cash Back After You Spend $6,000 On Purchases In The First 3 Months From Account Opening: You will receive 75,000 bonus points with this bonus offer, which can be redeemed for $750 cash back. To qualify and receive your bonus, you must make Purchases totaling $6,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Cash Back And Points: Rewards Program Agreement: For more information about the Ink Business Unlimited rewards program, view the latest Rewards Program Agreement (PDF) . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards . Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. You may also see, “points” or “Ultimate Rewards points” when referring to the points you can use. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Ink Business Unlimited credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5% Cash Back: You’ll earn 1.5% Cash Back rewards for each $1 spent. 5% total Cash Back on qualifying Lyft rides through 03/2025: You’ll earn an additional 3.5% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see “5% Cash Back rewards” in marketing materials to refer to the 3.5% Cash Back rewards earned in addition to the 1.5% Cash Back rewards earned on all purchases. The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the 1.5% Cash Back rewards. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options may vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement.

Chase Ink Business Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

*** Offer Details For Ink Business Cash

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

$350 Cash Back After You Spend $3,000 On Purchases In The First 3 Months From Account Opening and $400 Cash Back After You Spend A Total Of $6,000 On Purchases In The First 6 Months From Account Opening: You will qualify for 35,000 bonus points if you make $3,000 in Purchases within 3 months of account opening. You will qualify for 40,000 bonus points if you make a total of $6,000 in Purchases within 6 months of account opening (for a possible total of 75,000 bonus points, which can be redeemed for $750 cash back). After qualifying, please allow 6 to 8 weeks for bonus points to post to your Chase Ink Business Cash account. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Cash Back And Points: Rewards Program Agreement: For more information about the Ink Business Cash rewards program, view the latest Rewards Program Agreement (PDF) . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards . Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. You may also see, “points” or “Ultimate Rewards points” when referring to the points you can use. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Ink Business Cash credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1% Cash Back: You’ll earn 1% Cash Back rewards for each $1 spent. 2% Cash Back: You’ll earn 2% Cash Back rewards total for each $1 of the first $25,000 spent each account anniversary year on combined purchases in the following rewards categories: gas stations and restaurants (1% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). After $25,000 is spent on combined purchases in these categories each account anniversary year, you go back to earning 1% Cash Back rewards for each $1 spent, with no maximum. 5% Cash Back: You’ll earn 5% Cash Back rewards total for each $1 of the first $25,000 spent each account anniversary year on combined purchases in the following rewards categories: office supply stores; internet, cable, and phone services (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). After $25,000 is spent on combined purchases in these categories each account anniversary year, you go back to earning 1% Cash Back rewards for each $1 spent, with no maximum. 5% total Cash Back on qualifying Lyft rides through 03/2025: You’ll earn an additional 4% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see “5% Cash Back rewards” in marketing materials to refer to the 4% Cash Back rewards earned in addition to the 1% Cash Back rewards earned on all purchases. The additional 4% Cash Back rewards will appear on your billing statement in a separate line from the 1% Cash Back rewards. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third-party merchants. Redemption values for reward options may vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs .

Chase Ink Business Cash Card 10% Relationship Bonus: As the authorizing officer of a Chase Ink Business Cash card and account owner of an eligible Chase Business Banking Checking account, you will receive a one-time bonus equal to 10% of Cash Back rewards earned with your Ink Business Cash card during your first 12 monthly billing cycles from account opening. For example, if you earn a total of $2,500 in Cash Back rewards you would earn a bonus of $250 in Cash Back rewards, which can be redeemed for $250 cash back. To qualify, you must open a Chase Ink Business Cash card account between 03/17/2024 and 11/17/2024, your Ink Business Cash card account must be open and not in default and your Business Banking Checking account must be open, as defined in your Business Card and Deposit Account Agreements, at the end of your 12th monthly Chase Ink Business Cash card billing cycle. Cash Back rewards eligible for the 10% Relationship Bonus are: The 5% Cash Back rewards earned on the first $25,000 spent each account anniversary year on office supply stores and internet, cable, and phone services; the 2% Cash Back rewards earned on the first $25,000 spent each anniversary year on gas stations and restaurants; and the 1% Cash Back rewards earned on all other purchases. Cash Back rewards earned through a new cardmember bonus or any other bonus offer, and points moved into your account through the Ultimate Rewards Combine Points feature or any other transfer method, are ineligible. Cash Back rewards must be earned by the end of your 12th monthly billing cycle to be included in the bonus. Please note that in some cases Cash Back rewards are not earned until a billing cycle that occurs after the one in which a purchase is made, in particular when made near the end of a billing cycle. As a result, Cash Back rewards earned on some purchases made during your first 12 monthly billing cycles may not be eligible to be included in the bonus. Please allow 2 to 3 billing cycles from the end of your 12th monthly billing cycle for bonus Cash Back rewards to post to your account. All Chase Business Banking checking accounts are eligible. Having an eligible Chase Business Banking checking account is not a requirement of approval for the Chase Ink Business Cash Card. This offer is subject to change and may be cancelled at any time without notice.

Chase Ink Business Cash credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

**** Offer Details for Ink Business Preferred

120,000 Bonus Points After You Spend $8,000 On Purchases In The First 3 Months From Account Opening: To qualify and receive your bonus, you must make Purchases totaling $8,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Earning Points: Rewards Program Agreement: For more information about the Ink Business Preferred rewards program, view the latest Rewards Program Agreement (PDF) . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards . How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Ink Business Preferred credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 point: You’ll earn 1 point for each $1 spent. 3 points (“3X points”): You’ll earn 3 points total for each $1 of the first $150,000 spent each account anniversary year on combined purchases in the following rewards categories: shipping; social media and search engine advertising; travel; internet, cable, and phone services (two additional points on top of the 1 point per $1 earned on each purchase). After $150,000 is spent on combined purchases in these categories each account anniversary year, you go back to earning 1 point for each $1 spent, with no maximum. 5 total points (“5X points”) on qualifying Lyft rides through 03/2025: You’ll earn an additional 2 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see “5X” in marketing materials to refer to the additional 2 points on top of the 3 points earned on your first $150,000 in categories listed above. The additional 2 points will appear on your billing statement in a separate line from the 3 points (or separate from the 1 point once you reach $150,000 in the categories above). Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs .

Book Through Chase Travel: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 120,000 points are worth $1,500 when redeemed for travel purchases, or $1,200 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Ink Business Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

Shop With Points: When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value. Amazon.com Shop with Points service terms apply . Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

Chase Ink Business Preferred credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Please turn on JavaScript in your browser It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

How do travel credit cards work.

Travel credit cards offer rewards from spending, which you can redeem for travel-related perks, discounts and benefits. Saving up points or miles earned from your spending may even add up to a free flight or free hotel stay. If you're a frequent traveler or want to get a discount on your next big trip, using a travel credit card is a great way to earn rewards.

What are travel credit cards?

Travel cards work like many credit cards; they earn rewards in points or miles for every eligible purchase you make with the card. With certain cards, you can redeem these rewards in standard ways such as cash back and statement credits. However, travel credit card rewards are usually redeemable for travel-related items, including airline tickets and hotel stays. Last but not least, many travel credit cards allow you to earn points for your travel-related purchases at a better rate than other purchases.

There are three basic types of travel credit cards: co-branded airline cards, co-branded hotel cards and cards that offer you points for travel-related spending across many brands.

Hotel co-branded cards

Hotel co-branded credit cards are affiliated with a specific hotel chain and offer rewards through a brand loyalty program. These cards allow you to collect points from your stays at a specific hotel chain and then redeem these points for a discounted night or free stay. Hotel cards could also offer additional perks and benefits that you can enjoy during your stay, such as room upgrades, complimentary breakfast, hotel lounge access and late checkout. If you have a favorite hotel chain, then a hotel credit card may be right for you.

Airline co-branded credit cards

Credit cards co-branded with an airline allow you to earn miles when flying with that airline. Once you have saved up enough airline miles, you can redeem them for a free plane ticket or discounts on flights. Airline credit cards may offer cardmembers additional travel perks, including free checked bags, priority boarding, airport lounge access and in-flight discounts. If you're loyal to one specific airline, an airline credit card may offer you rewards and benefits to enrich your time in the skies.

General travel cards

General travel credit cards are not tied to any specific airline or hotel brand, so they offer flexibility when earning points and redeeming rewards. These cards can feature many benefits, such as bonus points for travel-related spending or annual travel credits. If you travel regularly without an airline or hotel preference, consider general travel credit cards. Their reward programs can appeal to the occasional traveler by offering the opportunity to earn points for travel expenses across different brands.

Benefits of travel credit cards

Sign-up bonus.

Many travel credit cards include a sign-up bonus , also known as a new card member bonus. This allows cardmembers to earn reward points by meeting a spending requirement within the first few months of opening the account.

Depending on the card, these rewards could be in the form of points or miles. For example, a travel credit card may offer you 50,000 sign-up bonus points for spending $4,000 on your card in the first 3 months. To understand the value of your sign-up bonus, review the card's reward program to see how these points can be redeemed for travel benefits.

Annual travel credit or statement credit

Many travel credit cards offer an annual travel credit that can go toward travel-related spending. Purchases that fall into the travel spending category vary from card to card but may include hotel stays, airline tickets, car rentals and ridesharing services. Some travel credit cards instead offer an annual statement credit, which comes in the form of a posted credit to your account for qualifying purchases. It's one of the most coveted benefits of travel credit cards.

Airline travel benefits

Airline credit cards offer additional perks for cardmembers when they fly, such as free checked bags, TSA Precheck ® , lounge access, priority boarding and in-flight discounts. Airline credit cards may also have travel insurance and can reimburse you for unexpected costs such as damaged or lost baggage, flight cancellations and rental car damages.

Hotel stay benefits

Hotel credit card members can enjoy extra perks when staying at their hotel chain, such as room upgrades, late checkout and free breakfast. Many cards also offer a free night's stay after the annual anniversary of opening your account.

How do travel credit card rewards work?

Depending on your travel credit card, you can earn and redeem points or miles. Usually these rewards currencies are interchangeable. In addition, some travel credit cards may offer bonus rewards when you use your card on travel-related purchases.

Earning rewards

Travel credit cards can earn you miles or points for purchases and bonus points within certain spending categories. For instance, a travel credit card may offer 3x rewards on travel expenses like airfare and hotels or even dining at restaurants.

More specific types of travel cards have similar ways of earning miles or points. For example, a hotel co-branded credit cards could offer bonus points for using your card on-site at that hotel chain, such as the hotel's gift shop. Similarly, an airline credit card may offer bonus miles for the money you spend with that airline, including plane tickets and in-flight purchases.

Redeeming rewards

Cash and gift cards are common redemption options, even for travel credit cards. However, these cards usually have good travel-related redemption options, such as airline tickets, hotel accommodations, car rentals, activities and cruises. General travel credit cards are considered more flexible because rewards are redeemable with different loyalty programs.

Many cards also offer transferable rewards that can be used with any of the credit card company's travel partners. You may just need to redeem your rewards through the rewards program, as opposed to the hotels and airlines directly.

What to remember when using your travel credit card

When spending money on your travel credit card, try to stay within your budget, so you can afford to pay your statement balance in full each month, or at least the minimum payment. The rewards you earn with your travel credit card may not be worth accumulating debt and the interest charges or late fees that could come with it. Before signing up for a travel credit card, see if you're capable of meeting the sign-up bonus requirements, paying the annual fee and spending enough to earn the rewards in a realistic period of time.

The bottom line: Travel cards are built for all types of travelers

If you're loyal to one hotel brand or airline, a co-branded card will allow you to enjoy higher levels of perks. This type of card usually offers bonuses for spending within that brand and partner brands. The more you spend, the higher the loyalty status you could earn.

If you're indifferent about particular airlines and hotels, a general travel credit card might suit you best. After being approved for one of these cards, you could be enrolled in a rewards program with flexible travelrelated redemption options.

Are you in hotels for more than 20 nights each year? Do you fly at least 5 times a year? At the end of the day, the benefits of travel credit cards are geared towards people who travel. If so, the convenience of travel credit card perks combined with the bonus points from travel spending may make a travel credit card a must-have.

• card travel tips
• credit card benefits

What to read next

Frequent flyer programs: a guide.

Frequent flyer programs offer a variety of perks. Learn more about what frequent flyer programs are and what to consider when choosing one.

Are frequent flyer credit cards worth it?

Frequent flyer credit cards help frequent flyers earn and redeem points or miles towards the cost of their future travel plans. Learn more about their risks and rewards.

Chase Sapphire Events at Miami Art Week

Learn about the exclusive events a Chase Sapphire Reserve cardmember can experience at Miami Art Week.

How to choose a credit card to earn travel points

There are many things to consider when choosing a credit card with travel points - how travel points work, how to earn them, and so on. Learn more here.