Credit cards with Buy Now, Pay Later plans

Credit cards that offer Buy Now, Pay Later plans provide a flexible payment option for cardholders to make purchases and pay for them over time. Credit cards with Buy Now, Pay Later plans allow cardholders to make purchases upfront and then split the payment into smaller installments over a specific period. These plans provide flexibility in managing expenses, especially for larger purchases. Rather than paying the full amount at once, cardholders can choose to spread the payments out over several months with low or zero interest, depending on the specific terms of the plan. This option gives individuals the ability to make necessary purchases while easing the immediate financial burden. It’s important to note that the terms and conditions, including interest rates and repayment schedules, can vary among different credit cards and Buy Now, Pay Later providers.

The Best Credit Cards

  • Freedom Unlimited®: best for up to 5% cashback on travel, 0% intro APR, and sign-up bonus
  • United Club Business: best rated overall business card for United Airlines travelers + unlimited lounge access, 7x miles on United flights, and standout travel protections
  • United Business: low-fee business card for frequent United Airlines travelers + premium travel benefits and perks
  • Ink Business Unlimited®: best rated overall business card for earning unlimited flat-rate cashback + sign-up bonus, simplicity, no annual fee, and 0% Intro APR on purchases for 12 months
  • Marriott Bonvoy Bold®: no-annual-fee card for frequent Marriott guests, offering up to 14x total point at Marriott properties + sign-up bonus, and standout travel protections.
  • Sapphire Reserve®: best-rated premium travel card with unlimited airport lounge access, up to 10x points on travel and dining, and a sign-up bonus
  • Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
  • IHG One Rewards Traveler: no-annual-fee card for IHG hotels + sign-up bonus
  • Ink Business Cash®: best for up to 5% cashback on everyday business expenses and sign-up bonus
  • Amazon Visa: best for regular Amazon and Whole Foods shoppers

Sapphire Reserve®

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Sapphire Reserve®
4.9

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

740-850 (Excellent)

Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That's worth $900 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Welcome Offer

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That’s worth $900 when redeemed for travel through Chase Travel or $600 for cash.


Rewards

  • 10x and 5x Points on Select Chase Travel Purchases (after spending $300 on travel annually):
    • 10x Points on Hotels (excluding The Edit℠).
    • 10x Points on Car Rentals.
    • 5x Points on Flights.
  • 3x Points on Select Categories:
    • 3x Points on Other Travel Purchases after spending $300 on travel annually.
    • 3x Points on Dining, including takeout and eligible delivery services.
  • 10x Points on Chase Dining Purchases with Ultimate Rewards®.
  • 1x Points on All Other Purchases.

Partner Benefits

  • Lyft: Earn 10x Points on Lyft rides through March 2025.
  • Lyft Pink Membership: Get two years of complimentary Lyft Pink All Access membership (valued at $199/year). Activate by December 31, 2024. After the two-year period, membership auto-renews at 50% off the annual rate for the third year, and at the full rate thereafter unless canceled.
  • Peloton: Earn 10x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 50,000 points. Offer valid through March 31, 2025.
  • DoorDash: Enjoy complimentary DashPass membership for DoorDash and Caviar. Activate by December 31, 2027 to receive at least one year of benefits, including $0 delivery fees and lower service fees on eligible orders.
  • $5 Monthly DoorDash/Caviar Credit: Receive $5 in credits each month for DoorDash and Caviar orders. Offer valid through January 31, 2025.
  • $10 Off DoorDash Non-Restaurant Orders: Get $10 off two non-restaurant orders per month on DoorDash. Discounts are applied at checkout on eligible orders.

Lounge Access

  • Complimentary Priority Pass™ Select membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
  • Chase Sapphire Lounge by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere. To access these lounges, Sapphire Reserve cardmembers should enroll in their complimentary Priority Pass™ Select membership.
  • Air Canada Lounges: Sapphire Reserve cardmembers enjoy access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe. Simply present your Sapphire Reserve card and a same-day boarding pass for a Star Alliance flight. Exclusions apply.

Redemption Options

  • Redeem your rewards for cash, gift cards, travel, products, services, and more.
  • 50% More Value on Travel Redemption: Get 50% more value when you redeem points for travel through Chase Travel.
  • 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value. For example, 1,000 Chase Ultimate Rewards points equals 1,000 partner miles/points.

Fees and APR

  • Annual Fee: $550, with an additional $75 per year for each authorized user.
  • Regular APR: 21.74% - 28.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
  • Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
  • The Edit℠: Book through The Edit℠ to access a curated selection of exceptional accommodations, offering exclusive perks like daily breakfast for two, a $100 property credit, room upgrades (subject to availability), and more.
  • Special Car Rental Benefits: Receive VIP amenities, complimentary status upgrades, and discounts with Avis®, Hertz®, National®, and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card.
  • Ennismore Hotel Benefits: Enjoy VIP perks at Delano, Hyde, Mondrian, Morgans Originals, and SLS hotels and resorts worldwide. Benefits include a complimentary 4th night, room upgrades, late check-out, priority cabana reservations, a $30 food and beverage credit, and more.
  • Other Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, and Emergency Medical and Dental.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

  • Reserved by Sapphire℠: Enjoy VIP access to exclusive sports, festivals, dining, and entertainment experiences, including exclusive lounges, early ticket sales, premium seating, and more.
  • Private Dining Series: Enjoy memorable meal at sought-after restaurants in the country.
  • Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

Zero liability protection, fraud protection, 24/7 customer service, contactless checkout, compatibility with digital wallets, and chip-enabled for enhanced security.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Sapphire Reserve® is a premium card offering elevated rewards on travel and dining, a generous welcome bonus, and standout benefits like a $300 annual travel credit and 50% more value on travel redemptions through Chase Travel. With perks like lounge access and comprehensive travel protections, it’s ideal for frequent travelers who can maximize its extensive benefits, despite the $550 annual fee.

Prime Visa

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Prime Visa
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

Prime Membership Required: You must have an Amazon Prime membership to apply.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.


Rewards

  • 5% Cashback on Select Categories (with an eligible Prime membership):
    • 5% Cashback at Amazon.com and Amazon Fresh.
    • 5% Cashback at Whole Foods Market.
    • 5% Cashback at Audible.com.
    • 5% Cashback on Chase Travel purchases.
  • 2% Cashback on Select Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Local Transit and Commuting.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
  • Points post and can be redeemed as soon as the next day.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.74% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

If you're an Amazon Prime member and frequently shop at Amazon.com or Whole Foods Market, this card offers excellent rewards with 5% back on these purchases. It also provides 2% back at restaurants, gas stations, and on local transit and commuting expenses, and 1% on other purchases. The card includes valuable travel and purchase protections, as well as a generous sign-up bonus upon approval, making it a great choice for frequent Amazon shoppers.

IHG One Rewards Traveler

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IHG One Rewards Traveler
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at IHG® Hotels and Resorts: Get 5x points for every $1 spent with this card, plus up to 10x points for being an IHG One Rewards member, and up to 2x points for Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember. Earn 3x points on dining, gas, utilities, internet, cable, phone services, and select streaming services. Additionally, earn 2x points on all other purchases.

2x - 5x Points

Welcome Offer Earn 80,000 bonus points after spending $2,000 in the first three months.

80,000 Points

Welcome Offer

Earn 80,000 bonus points after spending $2,000 in the first three months. That’s up to 2 nights at IHG Hotels & Resorts.


Rewards

  • Up to 17x Points at IHG® Hotels and Resorts: 5x points for every $1 spent with the IHG One Rewards Traveler card + up to 10x points for being an IHG One Rewards member + up to 2x points with Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember.
  • 3x Points on Select Categories:
    • 3x Points on Dining.
    • 3x Points at Gas Stations.
    • 3x Points on Utilities.
    • 3x Points on Internet, Cable, and Phone Services.
    • 3x Points on Select Streaming Services.
  • 2x Points on All Other Purchases.
  • Annual Bonus: Earn 10,000 bonus points after spending $10,000 in purchases each calendar year.
  • Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

Elite Hotel Status

  • Automatic Silver Elite Status with IHG One Rewards: Enjoy automatic Silver Elite Status with benefits like Late Checkout (where available) and 20% more points on stays at participating IHG Hotels & Resorts. Status renews every account anniversary year.

Redemption Options

  • Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Points will not expire as long as there is IHG One Rewards program activity for 12 consecutive months.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.
  • Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Early Access to IHG Reward Night Sales: IHG One Rewards Cardmembers enjoy exclusive early access to Reward Night sales each year.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Fraud protection.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The IHG One Rewards Traveler card offers a valuable welcome bonus, complimentary Silver Elite Status, and increased rewards at IHG® Hotels and Resorts, dining, gas, utilities, and select streaming services. It also provides 2x points on other purchases. With strong purchase and travel benefits, it's a great option for frequent IHG® travelers.

Freedom Unlimited®

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Freedom Unlimited®
4.9

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $250 bonus after spending $500 in the first 3 months.

$250

Welcome Offer

Earn a $250 bonus after spending $500 in the first 3 months.


Rewards

  • 5% Cashback on Travel purchased through Chase Travel℠.
  • 3% Cashback on Select Categories:
    • 3% Cashback on Drugstore Purchases.
    • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 1.5% Cashback on All Other Purchases.

Partner Benefits

  • DoorDash: Get a complimentary 3 months of DashPass. Afterward, enjoy 50% off DashPass for the next 9 months. Activate by January 31, 2025.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Lyft: Earn 5% cashback on Lyft rides through March 2025.

Redemption Options

Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.


Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 19.74% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

Includes Auto Rental Coverage, Travel and Emergency Assistance Services, and Trip Cancellation/Interruption Insurance.


Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Zero liability protection, 24/7 fraud monitoring, contactless checkout, free credit score and identity monitoring with Credit Journey®, and compatibility with digital wallets.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Unlimited® card is a versatile option for maximizing cashback rewards without an annual fee. It offers 5% back on travel booked through Chase Travel℠, 3% on dining and drugstore purchases, and unlimited 1.5% on all other purchases. With a generous welcome bonus, a 0% intro APR for 15 months, and valuable purchase protection benefits, this card makes it easy to earn and redeem rewards while keeping things simple​.

United Club Business

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United Club Business
5.0

Annual fee:
$450

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 7x miles on United flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card. Earn 2x miles on other United purchases. Earn 3.5x miles on hotel stays through United Hotels: 2x miles as a MileagePlus member + 1.5x miles with the United Club Business Card. Earn 1.5x miles on all other purchases.

1.5x - 2x Miles

Welcome Offer Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after spending $5,000 on purchases in the first 3 months of account opening.

50,000 Miles + 1,000 Premier qualifying points (PQP)

Welcome Offer

Earn 50,000 bonus miles + 1,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.


Rewards

  • 7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card.
  • 2x Miles on Other United Purchases.
  • 3.5x Miles on Hotel Stays booked through United Hotels: 2x miles as a MileagePlus member + 1.5x miles with the card.
  • 1.5x Miles on All Other Purchases.

Lounge Access

Complimentary United Club membership (worth up to $650/year) with access to all United Club locations and participating Star Alliance™ lounges with free drinks and snacks.


Redemption Options

Redeem miles for flights, hotel stays, car rentals, shopping, and more.


Fees and APR

  • Annual Fee: $450.
  • Regular APR: 21.24% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Business Perks

Employee cards at no additional cost.


Travel Benefits

  • Free Checked Bags: The Primary Cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
  • Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
  • Premier Qualifying Points (PQP): Earn 25 PQP for every $500 spent, up to 1,000 PQP toward your MileagePlus Premier status per year.
  • Premier Upgrades on Award Tickets: The Primary Cardmember with MileagePlus® Premier status and one companion on the same reservation are eligible for complimentary upgrades on select United- and United Express-operated flights.
  • In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
  • Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
  • Renowned Hotels and Resorts Benefits: Experience an exclusive suite of benefits, including $100 property credit, daily breakfast for two, complimentary Wi-Fi, room upgrade and early check-in/late check-out, when available.
  • Other Travel Benefits: Includes Auto Rental Coverage (Primary), Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, and Emergency Evacuation and Transportation.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.


Additional Features

Emergency card replacement, zero liability protection, fraud protection, 24/7 customer service, contactless checkout, and Visa Signature® concierge service.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The United Club℠ Business card is a strong choice for business owners and frequent United Airlines travelers who value premium travel benefits. This card offers substantial rewards, including 7x miles on United flights and 1.5x miles on all other purchases. It provides a generous welcome bonus and perks like complimentary United Club membership and free checked bags. With robust travel protections and valuable purchase protection, this card enhances the overall travel experience, making it ideal for those seeking to maximize rewards while enjoying exclusive privileges.

United Business

Apply now

On Chase's Secure Website

United Business
5.0

Annual fee:
$99, fee waived for the first year

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 7x miles on United flights: 5x miles as a MileagePlus member + 2x miles with the United Business Card. Earn 3x miles on hotel stays through United Hotels: 2x miles as a MileagePlus member + 1x mile with the United Business Card. Earn 2x miles on other United purchases. Earn 2x miles on gas, dining, office supplies, and local transit. Earn 1x miles on all other purchases.

1x - 2x Miles

Welcome Offer Earn 75,000 bonus miles after spending $5,000 in the first three months.

75,000 Miles

Welcome Offer

Earn 75,000 bonus miles after spending $5,000 in the first three months.


Rewards

  • Up to 7x Miles on United Purchases:
    • 7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Business Card.
    • 3x Miles on Hotel Stays Booked Through United Hotels: 2x miles as a MileagePlus member + 1x mile with the United Business Card.
    • 2x Miles on Other United Purchases.
  • 2x Miles on Select Categories:
    • 2x Miles at Gas Stations.
    • 2x Miles on Dining, including eligible delivery services.
    • 2x Miles at Office Supply Stores.
    • 2x Miles on Local Transit, including rideshares, taxicabs, train tickets, tolls, and mass transit.
  • 1x Miles on All Other Purchases.

Partner Benefits

DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.


Lounge Access

United Club℠ Access: Receive 2 one-time passes per year (worth over $100), with free drinks, snacks, and high-speed Wi-Fi.


Redemption Options

Redeem your miles for flights, hotel stays, car rentals, shopping, and more.


Fees and APR

  • Annual Fee: $99 (waived for the first 12 months).
  • Regular APR: 21.24% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Business Perks

Employee cards at no additional cost.


Travel Benefits

  • Free Checked Bags: The Primary Cardmember and one companion receive their first checked bag free, saving up to $160 per round trip.
  • Annual United Travel Credit: Receive a $100 United travel credit each account anniversary year after making seven United flight purchases of $100 or more.
  • Priority Boarding: The Primary Cardmember and their companions can board United-operated flights before general boarding.
  • Better-Together Anniversary Bonus: Receive 5,000 bonus miles each year when you hold both the United Business Card and a personal United credit card.
  • Premier Qualifying Points (PQP): Earn 25 PQP for every $500 spent, up to 1,000 PQP toward your MileagePlus Premier status per year.
  • In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
  • Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.

Additional Features

Emergency card replacement, zero liability protection, fraud protection, 24/7 customer service, contactless checkout, and Visa Signature® concierge service.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The United℠ Business Card is a solid choice for business owners and frequent United Airlines travelers seeking versatile travel rewards. This card offers robust rewards, including up to 7x miles on United purchases and 2x miles on select categories. With a generous welcome bonus and valuable perks like two complimentary one-time United Club passes, priority boarding, free checked bags, and extensive travel protections, it’s ideal for those looking to enhance their travel experience while earning valuable rewards. Additional benefits further increase its overall value, making the United℠ Business Card a great blend of rewards and travel perks.

Ink Business Cash®

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On Chase's Secure Website

Ink Business Cash®
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 25.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on the first $25,000 spent at office supply stores and on internet, cable and phone services each year. Earn 2% cashback on the first $25,000 spent at gas stations and restaurants each year. Earn 1% cashback on everything else, with no limit.

1% - 5% Cashback

Welcome Offer Earn $350 when you spend $3,000 in the first 3 months and another $400 when you spend $6,000 in the first 6 months after account opening.

Up to $750

  • Welcome offer: Earn $350 when you spend $3,000 in the first 3 months and another $400 when you spend $6,000 in the first 6 months after account opening.
  • Earn 5% cashback on the first $25,000 spent at office supply stores and on internet, cable and phone services each year.
  • Earn 2% cashback on the first $25,000 spent at gas stations and restaurants each year.
  • Earn 1% cashback on everything else, with no limit.
  • Earn 5% cashback on Lyft Rides through March 2025.
  • No annual fee.
  • Foreign transactions: 3% fee of the amount of each transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 25.74% applies to purchases and balance transfers.
  • Redeem your rewards: For cash, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Business Perks: Include tools to manage cash flow, credit limit increases as your business grows, and 24/7 access to account details.
  • Employee cards at no additional cost.
  • Purchase protection: Covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection: Adds an extra year to U.S. manufacturer’s warranty of 3 years or less.
  • Travel benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
  • Additional features: Include automatic account alerts, contactless payments, 24/7 fraud monitoring, and zero liability protection.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Ink Business Cash® card is a powerful reward credit card designed for businesses with strong earning potential. Highlights include a generous welcome bonus, an introductory 0% APR on purchases, extended warranty protection, and coverage for new purchases against damage and theft. This card is ideal for businesses that want to maximize their cashback rewards and take advantage of valuable perks.

Ink Business Unlimited®

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On Chase's Secure Website

Ink Business Unlimited®
5.0

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 23.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases.

1.5% Cashback

Welcome Offer Earn a $750 cashback bonus after spending $6,000 on purchases in the first three months after account opening.

$750

Welcome Offer

Earn a $750 cashback bonus after spending $6,000 in the first three months.


Rewards

Earn unlimited 1.5% cashback on all purchases.


Partner Benefits

Lyft: Earn 5% cashback on Lyft rides through March 2025.


Redemption Options

Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.


Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 23.74% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.

Business Perks

Separate business and personal expenses, cash flow management tools, credit limit increases as your business grows, employee cards at no additional cost, and 24/7 access to account details.


Travel Benefits

Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.


Purchase Protections

  • Purchase Protection: Covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Contactless payments, fraud protection, and zero liability protection.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Ink Business Unlimited® is an excellent choice for businesses looking for straightforward cashback rewards. With unlimited 1.5% cashback on all purchases and no annual fee, it’s a simple yet rewarding option. The card offers a generous welcome bonus and a 0% intro APR on purchases for 12 months, making it ideal for businesses that want flexibility with their spending. Plus, valuable protections like purchase protection and extended warranty coverage enhance its appeal, providing peace of mind alongside strong earning potential.

Amazon Visa

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On Chase's Secure Website

Amazon Visa
5.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $60 Amazon Gift Card instantly upon approval.

$60 Amazon Gift Card

Welcome Offer

Earn a $60 Amazon gift card instantly upon approval.


Rewards

  • 3% Cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
  • 2% Cashback at restaurants, gas stations, and on local transit and commuting.
  • 1% Cashback on all other purchases.

  • No annual fee.
  • No foreign transaction fees.
  • Interest-free payments: Choose 3% cashback or 0% intro APR for 6-12 months on purchases $50 or more at Amazon.com or eligible retailers with Amazon Pay.
  • Redeem your points: For cashback, gift cards, travel, or purchases at Amazon.com. Points can be redeemed the next day.
  • Chase offers: Access great deals without needing coupons, codes, or registration. Just add the offer to your card and use it.
  • Authorized users: Add users for free and share your credit line while earning rewards on their purchases.
  • Extended Warranty Protection: Adds one year to the manufacturer’s U.S. warranty on eligible warranties of three years or less.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
  • Visa Signature® Experiences: Access to Luxury Hotel Collection and Concierge Services.
  • Additional features: Digital Wallet, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 19.74% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
If you are an Amazon shopper who buys groceries at Whole Foods Market but doesn't have an Amazon Prime membership, this card could be a great option for you. You can earn 3% cashback at Amazon.com and Whole Foods Market, making it highly rewarding for frequent shoppers. Additionally, the card offers standout travel benefits, an extended warranty, and purchase protection against damage or theft. these features making it a strong choice for those who shop and travel frequently. However, be aware of the potentially high APR on purchases and balance transfers.

Marriott Bonvoy Bold®

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On Chase's Secure Website

Marriott Bonvoy Bold®
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 14x total points at Marriott: 3x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, up to 10x points as a Marriott Bonvoy® member, and 1x points with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember. Earn 2x points for every $1 at grocery stores, on rideshares and select food delivery, select streaming services, and internet, cable, and phone services. Earn 1x points for every $1 spent on all other purchases.

1x - 3x Points

Welcome Offer Earn 30,000 bonus points after spending $1,000 on purchases in the first three months.

30,000 Points

Welcome Offer

Earn 30,000 bonus points after spending $1,000 in the first three months.


Rewards

  • Up to 14x Points on Marriott Stays: 3x points for every $1 spent with the Marriott Bonvoy Bold® Card + up to 10x points as a Marriott Bonvoy® member + 1x point with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember.
  • 2x Points on Select Categories:
    • 2x Points on Grocery Stores.
    • 2x Points on Rideshare and Select Food Delivery.
    • 2x Points on Select Streaming Services.
    • 2x Points on Internet, Cable, and Phone Services.
  • 1x Points on All Other Purchases.

Partner Benefits

  • DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.

Elite Hotel Status

  • Automatic Silver Elite Status with Marriott Bonvoy®: Enjoy automatic Silver Elite Status with benefits like priority late checkout (where available) and 10% more points on stays at participating Marriott Bonvoy® hotels. Status renews every account anniversary year.
  • Elite Night Credits: Receive 5 elite night credits every calendar year, helping you work toward higher status tiers.

Redemption Options

Redeem points for free nights at Marriott hotels, flights, experiences and more.


Fees and APR

  • Annual Fee: $0.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings using your Marriott Bonvoy Credit card.
  • Other Travel Benefits: Includes Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance, Roadside Dispatch, and Auto Rental Collision Damage Waiver.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, 24/7 customer service, emergency cash replacement, lost/stolen card reporting, personalized account alerts, Credit Journey, embedded chip for enhanced security, digital wallet, contactless checkout, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Marriott Bonvoy Bold® card is perfect for frequent Marriott guests who want to maximize rewards without paying an annual fee. It stands out for its welcome offer, high earning rates at Marriott properties, offering Elite Status benefits and useful travel perks. Additionally, it provides 2x points for everyday spending. While it may still be outperformed by other cards in specific categories like dining, it offers unique advantages for Marriott loyalists and those who frequently spend in these specific areas. The card also includes purchase protection, extended warranty, and no foreign transaction fees, making it a solid choice for shoppers and travelers.