Credit cards with Buy Now, Pay Later plans

Welcome Offer

Earn a $50 Amazon gift card instantly upon approval.

Rewards

• 3% Cashback:
  • Amazon.com
  • Amazon Fresh
  • Whole Foods Market
  • Audible
  • Chase Travel purchases
• 2% Cashback:
  • Restaurants
  • Gas stations
  • Local transit and commuting
• 1% Cashback on all other purchases.

Redemption Options

• Redeem points for cashback, gift cards, travel, or purchases at Amazon.com.
• Daily Rewards Redemption: Use your points as soon as the next day, no waiting required.

Fees and APR

• Annual Fee: $0.
• Regular APR: 19.49% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
• Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
• Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)

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

• Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Interest-Free Monthly Payments: Pay over time with equal monthly payments on purchases of $50 or more at Amazon.com or eligible Amazon Pay retailers. No interest, just split payments at checkout. (Note: These purchases do not earn % back rewards.)
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• 24/7 Customer Service.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Earn a $200 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 DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
• Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
• 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

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 18.99% - 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.

Welcome Offer

Earn 120,000 bonus points after spending $2,000 in the first three months.

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: 19.99% - 28.49% 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.
• Early Access to Reward Night Sales: Get early booking access each year to IHG Reward Night sales.
• 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.

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: 19.49% - 28.24% 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.

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

• DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
• Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.

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: 20.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• 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.

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.

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 17.49% - 23.49% 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.

Welcome Offer

Earn 60,000 bonus points after spending $5,000 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

• $10 Monthly Lyft Credit: Earn $10 in Lyft credits each month (up to $120 annually) when you add your Sapphire Reserve card to the app. Offer valid through September 30, 2027.
• Lyft: Earn 5x Points on Lyft rides through September 2027.
• 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.
• Monthly DoorDash Credits: Available to DashPass members who activate the benefit through December 31, 2027:
  • $5 off one restaurant order per month (subtotal only; does not apply to taxes, fees, or tip)
  • Two $10 discounts on non-restaurant orders per month (like groceries or convenience items)
• 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 December 31, 2027.

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: 20.24% - 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: Enroll in car rental rewards programs from National, Avis, and Silvercar to enjoy perks like upgrades, discounts on premium rentals, and exclusive promotions.
• Elite Hotel Benefits: Enjoy VIP treatment and complimentary daily breakfast at select luxury properties in over 60 countries through the Relais & Châteaux collection.
• 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.

Welcome Offer

Earn 75,000 bonus miles + 2,000 Premier Qualifying Points (PQP) 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.
  • 5x Miles on Hotel Stays Booked Through United Hotels: 2x miles as a MileagePlus member + 2x mile with the United Business Card + 1x mile when you prepay through United Hotels.
  • 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

• Instacart Credit: Get up to $120 in Instacart credits each calendar year. Receive a $10 credit every month when you use your United℠ Business Card for purchases made directly through Instacart. Offer ends 12/31/2027.
• 3-Month Instacart+ Membership: Enjoy a complimentary 3-month Instacart+ membership, which includes unlimited deliveries with $0 delivery fees on eligible orders. After the trial, you’ll be automatically enrolled at 25% off the annual rate. Offer ends 12/31/2027.

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: $150
• Regular APR: 20.49% - 28.99% 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 $125 United travel credit each account anniversary year after making five United flight purchases of $100 or more.
• FareLock Credit: Earn up to $25 in credits each year when you purchase FareLock on United or United Express® operated flights. FareLock lets you hold your fare for 3, 7, or 14 days, locking in the price while you finalize your plans.
• United Hotels Credit: Get up to $100 back each anniversary year. Earn a $50 statement credit on both your first and second prepaid hotel stays booked directly through United® Hotels with your United℠ Business Card.
• Rideshare Credit: Enroll to get up to $100 back each calendar year on rideshare purchases paid with your United℠ Business Card.
  • $8 back per month from January through November.
  • Up to $12 back in December.
• Avis & Budget Car Rental Credit: Get up to $50 in United® TravelBank cash each anniversary year. Earn $25 back for both your first and second Avis or Budget car rentals booked through cars.united.com and paid with your United℠ Business Card.
• JSX Flights Credit: Get up to $100 back each anniversary year as a statement credit when you book flights directly with JSX using your United℠ Business Card. JSX offers a semi-private flying experience with the convenience of commercial fares.
• 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.
• Economy Plus® Seat Upgrades: Earn 2 seat upgrades within the continental U.S. each calendar year after spending $25,000 on your United℠ Business Card.
• 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.
• Premier Qualifying Points (PQP): Earn 1 PQP for every $20 spent, up to 4,000 PQP toward your MileagePlus Premier status per year.
• 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.

Welcome Offer

Earn 80,000 bonus miles + 2,000 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: $695.
• Regular APR: 20.49% - 28.99% 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.

Welcome Offer

Up to $750 Cashback: Earn $350 after spending $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 17.49% - 25.49% 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.