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Chase is one of the major powerhouses when it comes to travel rewards credit cards. In addition to cards that earn valuable Ultimate Rewards points, Chase offers an impressive line of co-branded credit cards that come with perks and benefits that are among the best in the industry.
In this post, we’ll go over the best Chase credit cards (both personal and business) in a variety of categories, including the best options for travel, cash-back, airlines, hotels, and more.
Earn 30,000 points after you spend $3,000 on purchases in your first 3 months and up to 30,000 more points by earning 2x points total on purchases that normally earn 1 bonus point, on up to $15,000 spent, in the first 6 months.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate 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℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
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, 2027.
The Chase Sapphire Preferred card has long been a favorite among award travelers. It comes with a welcome offer to give your Ultimate Rewards account a big boost, but also has several bonus categories that ensure you’ll earn plenty of points on daily purchases:
5x points on travel purchased through Chase Travel
5x points on Lyft purchases through March 31, 2025
5x points on select Peloton purchases over $250 (through March 31, 2025)
3x points on dining, including eligible delivery services, takeout, and dining out
3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
3x points on select streaming services
2x points on all other travel purchases
All other purchases will earn 1x points
The travel bonus category is broad and includes purchases with airlines, hotels, Airbnb, taxis, Uber, and more. Paired with the dining bonus category, this card can help you earn tons of Ultimate Rewards points quickly.
With the Chase Sapphire Preferred card, you can transfer Chase points to airline and hotel partners or redeem them through the Chase travel portal at a value of 1.25 cents per point.
Rental Car Insurance: If you pay for a rental car with this card, you’ll receive primary coverage for collision damage. This means the coverage provided by the card will kick in before any other insurance. Keep in mind that this only covers damage caused to your rental car, not other vehicles and property.
Travel Delay Insurance: If your flight is delayed by at least 12 hours or overnight, you can use up to $500 to cover reasonable expenses including hotels and meals. After filing a claim, Chase will reimburse you for those costs.
Trip Cancellation and Interruption Insurance: You’ll be eligible for up to $10,000 in non-refundable travel expenses if you have to cancel your trip due to eligible circumstances like illness or severe weather.
Baggage Delay Insurance: If your checked bags are delayed more than 6 hours, you’ll be eligible to receive up to $100 in reimbursements for essential items for up to 5 days.
The card also includes plenty of benefits, like a subscription to DoorDash DashPass for the primary cardholder (must activate by December 31, 2027, and the subscription is active for at least 12 months).
You’ll also get a $50 statement credit each account anniversary year for hotel stays purchased through Chase Travel and bonus points equal to 10% of your total purchases made the previous year.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
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℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
10x points on Lyft purchases through March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
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.
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, 2027.
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®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
The Chase Sapphire Reserve card is the high-end card in the Ultimate Rewards lineup. It’s very similar to the Chase Sapphire Preferred card, but it comes with increased earning power and a number of premium perks to improve your travel experience.
Here’s what you’ll earn with this card:
10x points on hotels and car rentals when you purchase travel through Chase Travel
10x points on Chase Dining purchases with Ultimate Rewards
10x points on Lyft purchases through March 31, 2025
10x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on flights purchased through Chase Travel
3x points on all other travel and dining purchases
Those who frequently spend in these categories can boost their earnings significantly with this card. It also comes with a welcome offer to help get you started on the right foot.
If you have this card, you can transfer your points or use them to book travel through Chase’s travel portal at a value of 1.5 cents per point.
The Chase Sapphire Reserve card comes with the same primary coverage on rental cars, but it has an improved trip delay insurance benefit. With this card, you can file a claim after just a 6-hour delay rather than a 12-hour delay.
Additionally, you’ll receive a $300 travel credit after you’re approved for this card and again each year on your account anniversary. This travel credit will automatically reimburse you for any travel expenses, including things like car rentals, campgrounds, taxis, and even parking.
As you’d expect, the Chase Sapphire Reserve card also includes the DashPass subscription included with the Chase Sapphire Preferred card plus a $5 monthly DoorDash credit (when activated by December 31, 2027).
Hot Tip:
Before you apply for any Chase cards, make sure you understand the 5/24 rule. This is the unwritten rule that says you won’t be approved for a Chase credit card if you have opened 5 or more credit cards from any bank in the previous 24 months.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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!
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
If you’re looking for a Chase card that can guarantee you’ll earn more than 1% cash-back on every single purchase you make, look no further than the no-annual-fee Freedom Unlimited card.
This card earns 1.5% cash-back on all purchases outside of the bonus categories. This 1.5% can become 1.5x points when paired with a premium Ultimate Rewards card. Plus, you’ll earn 5% back on travel through Chase Travel and 3% back on dining and drugstore purchases.
The Freedom Unlimited card can be a fantastic addition to any other Chase card you may have; you’ll always be earning the most points possible if you use it to fill in the gaps between higher-earning bonus categories.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
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.
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!
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.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
While the Freedom Flex card doesn’t come with the perks you get with the Chase Sapphire Preferred card and the Chase Sapphire Reserve card, it’s still very useful.
This card earns 5% cash-back on bonus categories that rotate quarterly. Common bonus categories include restaurants, grocery stores, Amazon, drugstores, and more. Each quarter, you’ll earn 5% cash-back on up to $1,500 in combined purchases in that quarter’s bonus categories.
However, this card has even more earning potential:
5% cash-back on travel purchased through Chase Travel
5% cash-back on Lyft purchases (through March 31, 2025)
3% cash-back on dining (including delivery services)
3% cash-back on drugstore purchases
1% cash-back on all other purchases
In addition to great bonus categories, the Freedom Flex card comes with lots of other great benefits.
With this card, you’ll get cell phone protection that covers you for up to 2 claims per year ($1,000 in total coverage) if your cell phone is stolen or damaged.
The Freedom Flex card also comes with some great travel insurance benefits, including secondary car rental coverage plus trip cancellation and interruption insurance.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
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℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
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.
Small business owners can also earn Ultimate Rewards through their business purchases using Chase’s premium business card offering, the Ink Business Preferred card.
This card has several bonus categories that earn 3x points on up to $150,000 in combined spending:
Travel
Shipping
Internet, cable, and phone services
Social media and search engine advertising
The points you earn can be transferred to travel partners or redeemed through the travel portal at a value of 1.25 cents per point.
This card also comes with the same trip delay coverage as the Chase Sapphire Preferred card provides. You’ll be eligible to claim expenses after a 12-hour (or overnight) delay.
You’ll also get primary rental car coverage and you can take advantage of the trip cancellation/interruption insurance. Finally, there are a number of other benefits that come with the Ink Business Preferred card, such as cell phone insurance.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% 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
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
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
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
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The Ink Business Cash card is another great option to boost your earning potential. This card earns 5% cash-back on up to $25,000 in purchases (per anniversary year) at office supply stores and on cell phone, landline, internet, and cable TV purchases.
It also earns 2% cash-back on the first $25,000 spent (per anniversary year) on gas stations and dining purchases. All other purchases will earn 1% cash-back.
Like the Freedom cards, when you pair this card with a premium Ultimate Rewards card, your cash-back can become up to 5x points, making this a fantastic card for business owners who like to travel.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
If you’re looking for a no-annual-fee Chase business card that can guarantee you’ll earn more than 1% cash-back on every single purchase you make, check out the Ink Business Unlimited card.
This card earns 1.5% cash-back on all purchases, regardless of category. This 1.5% can become 1.5x points when paired with a premium Ultimate Rewards card.
The Ink Business Unlimited card can be a fantastic addition to your other Chase business cards. You’ll always be earning the most points possible if you use it to fill in the gaps between higher-earning bonus categories.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000
$1,000
$195
Flex for Business Variable APR: 19.49% - 27.49%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Chase has introduced the Ink Business Premier® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Pros
Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Travel
Cons
$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC
Financial Snapshot
APR: Flex for Business Variable APR: 19.49% - 27.49%
The card earns 5% cash-back on purchases made through the Chase travel portal, 2.5% cash-back on purchases of $5,000 or more, and 2% cash-back on all other purchases. The card also offers cell phone protection with up to $1,000 in coverage per claim, with a maximum of 3 claims per year and a $100 deductible per claim.
However, unlike the Ink Business Cash card and the Ink Business Unlimited card, the cash-back you earn with the card in the form of Chase Ultimate Rewards is not transferable to other Ultimate Rewards accounts that have access to airline and hotel transfer partners. Given that, this card is best suited for those who operate a business with large expenses and are looking to earn as much cash-back as possible.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
50,000 bonus miles
$600
$95
21.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.
You should consider the United℠ Explorer Card, because this card does all that and more!
Pros
2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
1x mile per $1 on all other purchases
First checked bag free for you and up to 1 traveling companion
Cons
$0 intro annual fee for the first year, then $95 annual fee
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
The United Explorer card comes with benefits that will appeal to anyone who likes to fly on United Airlines. In addition to a welcome bonus, you’ll be earning United MileagePlus miles with every purchase at the following rates:
2x miles on United Airlines purchases
2x miles at restaurants and food delivery services
2x miles on hotel stays booked directly with the hotel
The primary cardholder and a companion traveling on the same reservation will each get 1 free checked bag. You’ll also enjoy lounge access with 2 1-time passes to a United Club of your choice and a Global Entry, TSA PreCheck, or NEXUS application fee credit.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
60,000 miles
$720
$250
21.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.
Earn 60,000 bonus miles and 500 PQP after qualifying purchases
Earn 3 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel, dining and select streaming services
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
Member FDIC
Financial Snapshot
APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None
The United Quest card provides an elevated experience for United flyers beyond the standard United Explorer card. Cardholders enjoy enhanced perks, earnings, and benefits, including:
3x miles on United purchases
2x miles on restaurants, travel, and streaming service purchases
Free first and second checked bags for the primary cardholder and a companion on the same reservation
Global Entry, TSA PreCheck, or NEXUS application fee credit
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 80,000 Bonus Miles After Qualifying Purchases
Earn 80,000 Bonus Miles
$960
$525
21.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.
United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.
Here’s a look at the earning rates and other benefits you’ll receive as a cardholder:
4x miles on United purchases
2x miles at restaurants and on all other travel purchases
Free first and second checked bags for the primary cardholder and a companion on the same reservation
Global Entry, TSA PreCheck, or NEXUS application fee credit
United Club membership
Trip cancellation/interruption insurance
Baggage delay and lost luggage coverage
Car rental collision damage waiver
Platinum Elite status with IHG One Rewards
Complimentary upgrades on awards for companions
$75 in statement credits for purchases at IHG from January 1, 2023, to December 31, 2024
Bottom Line:
The United Club Infinite card is the top-of-the-line offering from United Airlines. It comes with a long list of benefits that offer tremendous value to anyone who regularly flies on United. If you have a business, you can check out the business version of this card, the United Club℠ Business Card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.
This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Earn 50,000 points
$650
$149
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Not only does the card offer multiple bonus categories to help you earn more Southwest Rapid Rewards points, but it is also loaded with benefits that are sure to offer quite a bit of value to Southwest flyers.
Here is a full overview of the card to help you decide if it is a good fit for your wallet.
Pros
3x points per $1 on Southwest purchases
2x points per $1 on local transit and commuting, including rideshare purchases
2x points per $1 on internet, cable, phone services, and select streaming purchases
If you’re a frequent Southwest Airlines flyer, the Southwest Priority card should probably earn a place in your wallet. This card is full of benefits and perks that will come in handy each and every time you fly Southwest.
To help offset the cost of the annual fee, this card offers 7,500 bonus points each year on your anniversary date and a $75 Southwest travel credit. You’ll also be able to earn Southwest elite status faster since this card earns 1,500 Tier Qualifying Points for each $5,000 spent. Plus, you’ll be able to get your pick of the best seats on the plane with 4 Upgraded Boardings each year.
In addition to all of this, the Southwest Priority card helps you earn Rapid Rewards points. You’ll earn 3x points on Southwest purchases, 2x points on local transit and commuting, internet, cable, phone services, and selected streaming, plus 1x points on all other purchases.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
Up to 120,000 Points
$1,560
$199
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Southwest® Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status.
Pros
4x points per $1 spent on Southwest purchases
3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
9,000 bonus points after your Cardmember anniversary.
Earn 4X pts on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car rental partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
4 Upgraded Boardings per year when available.
Member FDIC
Financial Snapshot
APR: 21.49%-28.49% Variable
Foreign Transaction Fees: None
If you have a business, look to the Southwest Performance Business card for great perks and benefits. With this card, you can earn Southwest Rapid Rewards points at the following rates:
4x points on Southwest purchases
3x points on Rapid Rewards hotel and car partners
2x points on rideshare, social media and search engine advertising, internet, cable, and phone services
1x points on all other purchases
9,000 bonus points on your cardmember anniversary
In addition, you’ll get perks like 4 Upgraded Boardings per year, tier-qualifying points that count towards A-List status, and a Global Entry, TSA PreCheck, or NEXUS application fee credit.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.
This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
75,000 Avios
$938
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The British Airways Visa Signature® Card is a stellar option for travelers who regularly travel with the airline. From all of the Avios the card helps you earn, to a 10% discount off cash tickets, and the award flight statement credits, you can get tons of value out of the card each year.
Pros
3x Avios per $1 on British Airways, Aer Lingus, Iberia, and LEVEL purchases
2x Avios per $1 on hotel accommodations purchased directly through hotels
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
Pay no foreign transaction fees when you travel abroad.
Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
You’ll also save 10% on flights that originate in the U.S. and you’ll be eligible for statement credits when you book reward flights to London and use your British Airways Visa card to pay for the taxes and fees. You’ll get a $100 statement credit for economy and premium economy tickets and a $200 credit for business and first class seats. This benefit can be used up to 3 times per year for a maximum of $600 in credits.
If you spend $30,000 in a calendar year, you’ll earn a Travel Together Ticket that allows you to bring a companion when you book an award ticket — you’ll just pay taxes and fees for the second ticket.
The British Airways Visa card also comes with a selection of travel benefits and protections like an auto rental collision damage waiver and baggage delay insurance.
Bottom Line:
Other airline credit card options from Chase that earn Avios include the Aer Lingus Visa Signature® Credit Card and the Iberia Visa Signature® Card. The Avios earned from these 2 credit cards along with the British Airways Visa card are the same currency, but each rewards program uses them differently.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.
The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.
Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
70,000 Bonus Points
$1,050
95
21.74% - 28.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Flyers based in the U.S. may think they wouldn’t have a need for a card like the Aeroplan® Credit Card, it might be much better suited for you than you think.
Not only does Air Canada offer fantastic award redemptions, but adding the card to your wallet makes the program even more rewarding by offering elite status, more points, travel coverage, and more. Let’s take a closer look and see why the Aeroplan card might make a lot of sense for you.
Pros
3x points per $1 on Air Canada purchases, at grocery stores, and dining at restaurants (including takeout and eligible delivery services)
500 bonus points for every $2,000 you spend in a calendar month (up to a maximum of 1,500 bonus points)
Receive Aeroplan 25K status for the remainder of the calendar year, plus the following calendar year, and continue to extend it beyond that by spending $15,000 on the card per calendar year
Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
$95 Annual Fee
Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
Fly to another continent and travel the world with the Aeroplan® Credit Card.
Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Member FDIC
Financial Snapshot
APR: 21.74% - 28.74% Variable
Foreign Transaction Fees: None
Chase’s newest airline card is a great option for Air Canada flyers. With it, you’ll earn Aeroplan points at the following rates:
3x points with Air Canada
3x points at grocery stores
3x points on dining, takeout, and eligible delivery services
1x points on all other purchases
Plus, the card comes with automatic Aeroplan 25K elite status for your first 2 calendar years, free checked bags on Air Canada flights, a Global Entry, TSA PreCheck, or NEXUS credit, trip delay insurance, baggage delay insurance, rental car insurance, and much more!
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.
When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.
Pros
Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Up to 9x points total on Hyatt purchases — 4 Bonus Points per $1 on qualified purchases at Hyatt hotels and up to 5 Base Points per $1 as a World of Hyatt member
2x points at restaurants
2x points on airline tickets purchased directly from the airline and on local transit/commuting purchases
2x points on gym memberships and at fitness clubs
Plus, each year you are a cardmember, you’ll get 1 free night at any Category 1 to 4 Hyatt hotel. You can also earn an additional free night certificate for a Category 1 to 4 hotel when you spend $15,000 during your cardmember year. This free night certificate usually is worth more than the cost of the annual fee, making this card a great option for anyone who stays at Hyatt properties even just a few times a year.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
$1,050
$95
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.
Pros
Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
Earn big at grocery stores, gas stations, and dining
Automatic Silver Elite Status
Cons
$95 annual fee
Marriott Silver Elite Status is the lowest status tier
Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
This card is also great if you want Marriott Bonvoy elite status. As a cardholder, you’ll automatically get Silver Elite status each year. You’ll also get 15 Elite Night Credits to help you achieve the next status level. If you spend $35,000 in a year, you’ll earn Gold Elite status.
While the Marriott Boundless card does have an annual fee, it comes with a free night certificate that you can use at any location (with a value of up to 35,000 points). This alone can make up for the annual fee, making this card a no-brainer for Marriott loyalists.
Bottom Line:
The Marriott Boundless card comes with lots of great benefits for those who enjoy staying at Marriott hotels. It has a reasonable annual fee that’s easily offset by the perks and benefits. However, if you’d prefer a card with no annual fee, check out the Marriott Bonvoy Bold® Credit Card.
The Ritz-Carlton™ Credit Card (Best for Marriott Loyalists & Statement Credits)
Another good option for folks who enjoy Marriott hotels (including Ritz-Carlton properties) is the Ritz-Carlton card. Though the card is closed to new applicants, cardholders of a Marriott-branded Chase card that have had the card for a minimum of 12 months can request a product change to this card for excellent earning potential and premium benefits.
Just as with the Marriott Boundless card, you’ll earn 6x points at Marriott hotels, including, of course, The Ritz-Carlton. But you’ll also earn 3x points at restaurants, car rental agencies, and on airline tickets purchased directly from the airline. All other purchases will earn 2x points per dollar.
As with other premium credit cards, you’ll get high-end benefits to make up for the high-end price tag of $450 annually. This card comes with a $300 annual travel credit, a Priority Pass Select membership, and up to $100 Global Entry, TSA PreCheck, or NEXUS application fee credit.
Other perks of this card include a free night certificate worth up to 50,000 points and automatic Gold Elite status in the Marriott Bonvoy program. Plus, the Ritz-Carlton card comes with travel protections including emergency medical and dental coverage, travel accident insurance, roadside assistance, and more.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
Earn 5 Free Nights after spending $4,000 on purchases in the first 3 months from account opening.
5 Free Nights
$1,500
$99
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.
The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.
Pros
Up to 26x points per $1 on IHG stays
5x points per $1 spent on purchases on travel, at gas stations, and restaurants
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
Financial Snapshot
APR: 21.49% - 28.49% Variable
Foreign Transaction Fees: None
If you enjoy staying in IHG hotels when traveling, then the IHG Premier card is a great one to have in your wallet. This card has a lot going for it — just take a look at some of its benefits and perks:
Travel coverage including trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement
As you can see, the IHG Premier card has lots of benefits that make this card a great option for fans of IHG. While you might associate IHG with more midscale and budget brands like Holiday Inn Express and Staybridge Suites, there are actually plenty of luxury brands in the IHG Hotels & Resorts portfolio including InterContinental, Kimpton Hotels, and Regent Hotels & Resorts for upscale options.
If you’d prefer a way to earn IHG One Rewards points without an annual fee and don’t mind a few fewer perks, the IHG One Rewards Traveler Credit Card might be a better fit. However, if you want a card that strikes a nice balance between cost and benefits, the IHG Premier card is the way to go. If you’re not sure which one of these cards would be best for you, check out our comparison of these 2 cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.
2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.
Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
$300
$49
19.24% - 28.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Mickey and his friends are like part of the family. Your kids can recite the words to everything from Aladdin to Toy Story. And there’s no question where you’re going on Spring Break (Space Mountain, anyone?).
As a premier Disney fan, you always have the Disney® Premier Visa® Card on hand. It earns you cash back and discounts at Walt Disney World, Disneyland, and more.
Pros
Save 10% on select purchases at shopDisney.com when you use your card
Earn 5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com, or ESPNPlus.com
Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations
Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations. Earn 1% on all your other card purchases. There are no limits to the number of Rewards Dollars you can earn.
Redeem Rewards Dollars for a statement credit toward airline purchases.
0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort.
If you’re a Disney fan, you may have heard about the Disney Premier card and wondered if it’s right for you. The good news is it has a low annual fee and features an easy-to-earn welcome bonus. This card earns Disney Rewards Dollars that can be turned into statement credits for airline purchases and Disney purchases. The Disney category is pretty broad and includes things like:
Disney theme park tickets, shopping, and dining
Disney resorts
Disney movies
Disney Store purchases
Disney Cruise Line purchases
You’ll earn 2% back on Disney purchases as well as purchases at gas stations, grocery stores, and restaurants. You’ll earn 1% back on all other purchases.
Die-hard Disney fans will appreciate this card’s additional benefits, including 10% off of select merchandise and dining purchases at Disneyland and Walt Disney World Resorts, 10% off of select purchases at Disney Store locations, and cardmember exclusive character experiences and Disney Store events.
Bottom Line:
The Disney Premier card may be a good option if your vacations are largely Disney-focused. While some of the earning categories can be matched or exceeded by other cards, the extra perks like Disney discounts and exclusive events may make this card worth it for loyalists.
Prime Visa Card (Best for Earning Cash-back & Discounts at Amazon)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A strong rewards card if you shop regularly at Amazon.com and Whole Foods.
A strong rewards card if you shop regularly at Amazon.com and Whole Foods.
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
$100 Amazon Gift Card
$100
$0
20.49%–29.24% Variable
We all do our fair share of shopping on Amazon, some of us more than others, and when we shop with Amazon, we obviously want to get the best deal possible. Now, with the Prime Visa Card, you can add a credit card to your wallet that will help you do just that.
You’ll not only earn rewards on all of your Amazon and Whole Foods purchases, but on 4 other bonus categories as well, along with flexible redemption options, all for no annual fee!
When you consider everything that the Prime Visa card offers, it is basically a no-brainer for those who frequently shop with Amazon. Let’s dig a little deeper to see just how much the card can save you.
Pros
Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Member FDIC
Financial Snapshot
APR: 20.49%–29.24% Variable
Foreign Transaction Fees: $0
Amazon is the world’s most popular online marketplace that many of us use almost daily. But did you know there’s an Amazon-branded credit card? The Prime Visa card is an option that’s available to Amazon Prime members that offers solid cash-back categories.
With this card, you’ll earn:
5% cash-back at Amazon, Amazon Fresh, Whole Foods, and the Chase travel portal
2% cash-back at restaurants, gas stations, local transit, and commuting
1% cash-back on all other purchases
While this isn’t the first card you should apply for if you’re new to collecting points and miles, it can be beneficial if you spend a lot of money at Amazon and Whole Foods.
Chase Credit Cards and Ultimate Rewards
Many of the most popular Chase credit cards out there are ones that earn Ultimate Rewards points. Each one of these cards offers a variety of benefits and perks in addition to the ability to earn points.
The Chase Ultimate Rewards program is arguably the best transferable points program on the market. If you’re a beginner to the points world, you’ll definitely want to start with an Ultimate Rewards-earning card to maximize your points-earning potential.
There are a few things to remember when deciding on which of these cards to choose first.
First, to earn Chase Ultimate Rewards points you need to have at least 1 card that charges an annual fee. These cards include:
Chase Sapphire Preferred card
Chase Sapphire Reserve card
Ink Business Preferred card
Once you have one of these premium cards that charges an annual fee, you can convert the cash-back you earn on the no-annual-fee cards into Ultimate Rewards points.
For example, if you just have the Freedom Unlimited card, you’ll earn 1.5% cash-back on all of your purchases. However, if you also hold the Chase Sapphire Preferred card, you can convert that cash-back into Ultimate Rewards points, meaning you’ll be able to earn 1.5x points per dollar.
These points can either be used in the Chase travel portal or transferred to hotel and airline partners.
Methodology: How We Selected Our List
There are several factors to help us determine our choices for the best Chase credit cards. Some of the most important factors include travel benefits, earnings structure, best credit card welcome bonus offers, fees, and travel redemption value.
Here’s some further insight into our thought process when selecting the best travel rewards cards:
For starters, we look for cards that earn well in several ways. First, the card should offer bonus earnings on travel-related purchases or on a number of everyday bonus categories to provide accelerated earnings. On the other hand, a good travel rewards card could also have flat-rate earnings on all eligible purchases, making it easy to accumulate travel rewards no matter the purchase.
Welcome Bonus Offers
A card’s welcome offer is a unique opportunity to earn a large number of rewardsin a short period of time. As such, welcome offers certainly play a role when we select a travel rewards card to recommend. We’ll provide you with the current welcome offer information available for each card, but we also encourage you to confirm the welcome bonus offers and review them before applying for any card.
Fees
The best Chase credit cards may come with premium travel benefits, but you’ll also be paying a higher annual fee for those benefits. However, the perks offered by a travel rewards card could potentially offset any annual fee you’ll be paying— and much more. The best travel rewards cards also do not charge foreign transaction fees, although a card that does could still provide good value for domestic travel and offer good redemption potential for international travel.
Travel Redemption Value
A card will also score well if it earns flexible rewards, allowing you to choosehow you’d like to redeem them. The best travel rewards cards provide one (or more) of the following redemption options:
Redeem directly for travel
Receive a bonus for redeeming rewards via its travel portal
Redeem as a statement credit for travel purchases
Transfer rewards to airline and hotel partners for the opportunity to receive the greatest potential value
Here are some tips to help you decide which Chase credit card is best for you.
Which Types of Rewards Do You Want To Earn?
At the end of the day, one of the most important factors of a rewards card is the type of rewards that you earn. Given that, you’ll want to decide whether you prefer to earn flexible rewards that can be transferred to multiple programs, or if you’d prefer to earn rewards within a program that you frequently use.
What Travel Perks and Protections Are You Looking For?
The range of perks a travel rewards credit card will offer can vary greatly, such as airport lounge access, Global Entry or TSA PreCheck application reimbursement, free checked bags, elite status, or statement credits. Consider which of the benefits are more important to you when selecting your new travel rewards credit card.
Does the Card Have Great Bonus Categories That Fits Your Spending Habits?
Take a look at your current card statement and examine the categories where you are spending the most. Is it dining? Gas? A combination of multiple categories? You’ll want to prioritize getting a card that includes helpful bonus categoriesfor your lifestyle you’re earning as many rewards as possible.
Pros and Cons of Chase Credit Cards
Pros
Transferable Rewards: Chase Ultimate Rewards points are one of the most valuable rewards currencies because of the variety of ways they can be redeemed. You can achieve huge redemption value by leveraging Chase’s airline and hotel transfer partners like Air Canada Aeroplan, Air France-KLM Flying Blue, World of Hyatt, and Virgin Atlantic Flying Club, to name a few.
Bonus Categories: Chase credit cards offer various bonus categories on the items you spend the most on, like dining, travel, or even streaming services. These bonus categories ensure that you’re always earning as many points as possible.
Premium Perks: Many of the top Chase credit cards include perks and benefits with merchants like DoorDash and Lyft, as well as travel credits and travel protections.
Cons
Annual Fees: The vast majority of the best Chase credit cards charge an annual fee that you’ll need to pay each year to keep the card in your wallet. That said, we believe the best Chase credit cards offer a combination of rewards, perks, and protections that make the cards worthwhile.
Chase’s Unofficial 5/24 Rule: It’s very likely that you will not be approved for any Chase card if you have already opened 5 (or more) credit card accounts with any bank in the last 24 months. To avoid getting your credit dinged when applying for a new Chase card, make sure that you fall under this requirement.
Final Thoughts
It’s easy to see why Chase credit cards are some of the most popular rewards cards available today. The benefits and perks of these cards are plentiful and there are lots of options, so you’re bound to find one that’s perfect for you.
Whether you’re looking for a card that comes with great travel perks, one that earns Chase Ultimate Rewards, or one that earns simple cash-back, Chase has an option that will fit your needs.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Which airlines and hotels partner with Chase Ultimate Rewards?
Airline partners include Aer Lingus, Air Canada, Air France, British Airways, Emirates, Iberia, JetBlue, KLM, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic. Hotel partners include Hyatt, IHG, and Marriott Bonvoy.
Do Chase Ultimate Rewards points expire?
As long as your account is open, your points will not expire.
Can you earn Ultimate Rewards without one of the credit cards?
No. You must have one of the Chase Ultimate Rewards cards to earn Ultimate Rewards points.
How much are Chase Ultimate Rewards points worth?
The value of your Ultimate Rewards points varies based on the credit card you have and how you use them. When redeeming for travel through the Ultimate Rewards portal, your points are worth:
1 cent each when you have the Freedom Flex card, Freedom Unlimited card, Freedom Flex card, Ink Business Cash card, or the Ink Business Unlimited card
1.25 cents each when you have the Ink Business Preferred card or the Chase Sapphire Preferred card
1.5 cents each when you have the Chase Sapphire Reserve card
While there may not be just one right answer to this question, there is one that’s a particularly well-rounded card that appeals to a wide variety of people. The Chase Sapphire Preferred card is one of the most popular rewards credit cards out there and popular with beginners as well as seasoned miles and points collectors. This card earns Chase Ultimate Rewards points and strikes a nice balance between cost and benefits.
Which is the hardest Chase credit card to get?
The hardest Chase credit card to be approved for is likely the Chase Sapphire Reserve card. This premium credit card comes with tons of benefits and perks and requires a high credit score to be approved.
Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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