The Best Chase Credit Cards

Improve Your Approval Chances: If you’ve never had a credit card, keeping at least $250 in a Chase checking or savings account before you apply can help you get approved for the Chase Freedom Rise℠ card.

Welcome Offer

• $25 for Enrolling in Autopay: Get a $25 statement credit when you enroll in automatic payments within the first three months of account opening.

Rewards

• Earn 1.5% unlimited cashback on all 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, travel, gift cards, purchases at Amazon.com, and more.

Fees and APR

• Annual Fee: $0.
• Regular APR: 25.99% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

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

• Turn Good Habits Into an Upgrade: If you use your Freedom Rise® card responsibly, you’ll be automatically checked each year for an upgrade to the Chase Freedom Unlimited® card. Just keep your account open, make at least one purchase, and pay all your bills on time for 12 months.
• Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• Credit Limit Increase: After 6 months, Chase will see if you qualify for a higher spending limit on your Freedom Rise® card. Your credit limit is the most you’re allowed to spend on the card.
• 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.
• Lock or Unlock Your Card: Use the Chase Mobile® app or Chase.com to quickly lock your card and stop new purchases if it’s lost or stolen. You won’t be responsible for unauthorized charges, and your automatic payments will still go through.
• 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.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.

Rewards (if applicable)

• 4% Cashback on DoorDash and Caviar orders.
• 3% Cashback on Dining.
• 2% Cashback on Grocery Stores.
• 1% Cashback on All Other Purchases.

Partner Benefits

• DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
• 10% Off Monthly Order: Get 10% off one convenience, grocery, alcohol, retail, or DashMart order each month. Offer valid through 12/31/2025.
• Lyft Credits: Receive a $5 Lyft credit after paying for 3 Lyft rides in a calendar month with your card. Offer valid through September 30, 2025.
• Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.

Fees and APR

• Annual Fee: $0.
• Regular APR: 19.24% - 27.99% Variable APR.
• Balance Transfer Fees: $5 or 5% 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.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

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

• World Elite Concierge: Complimentary 24/7 concierge service to help with dining reservations, finding hard-to-get items, travel planning, and more.
• 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.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• 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.
• 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.
• 24/7 Customer Service.
• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
• 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.

Terms and Conditions

Click Apply Now to see the terms and conditions.

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 Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
• 5% Cashback on Chase Travel purchases.
• 3% Cashback on Dining, including takeout and eligible delivery services.
• 3% Cashback on Drugstore purchases.
• 1x 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, travel, gift cards, purchases at Amazon.com, and more.
• Cashback rewards never expire while your account remains open and in good standing.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR 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

• 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.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• 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.
• Cell Phone Protection: Get up to $800 per claim and $1,000 per year in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.

Additional Features

• Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• 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.
• 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 Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Raise Your Credit Limit: As a special welcome offer, you’ll automatically be reviewed for a higher credit limit when you pay on time and spend $500 within your first six months.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening.
• Regular APR: After the introductory period, a variable APR of 18.99% - 28.99% 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.

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.

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.

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

• Lower Your APR by 2% Each Year: Automatically be considered for a 2% APR reduction each year when you pay on time and spend at least $1,000 by your account anniversary, until your APR reaches the Prime Rate plus 9.74%. Check the current Prime Rate click (here)[https://big4credit.com/economic-indicators/prime-rate/].
• Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• 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, with alerts sent via text, email, or phone if suspicious purchases are detected.
• Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
• Contactless Payments: Tap to pay quickly and securely with your contactless Chase 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.
• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 95,000 bonus miles after spending $5,000 in the first three months.
• Plus, get 5,000 bonus miles for adding an authorized user within the same timeframe.

Rewards

• 9x Miles on United Flights: 5x miles as a MileagePlus member + 4x miles with the United Club card.
• 4x Miles on All Other United Purchases.
• 5x Miles on Hotels when you prepay for stays through Renowned Hotels and Resorts as a United® Cardmember.
• 2x Miles on All Other Travel.
• 2x Miles on Dining including eligible delivery services.
• 1x Mile on All Other Purchases.

Partner Benefits

• Instacart+ Membership: Get complimentary Instacart+ with $0 delivery fees on eligible orders. Benefits end on December 31, 2027.
• Instacart Credit: Get up to $240 in Instacart credits each calendar year. Receive two $10 credit every month when you use your United Club℠ Card for purchases made directly through Instacart. Offer ends on December 31, 2027.

Lounge Access

• United Club membership: Enjoy complimentary United Club access (valued at $750+) at 45+ locations for you, 1 adult guest, and dependent children.
• United Club℠ All Access Membership: Unlock All Access by reaching Premier Gold status or spending $50,000 annually. Includes access for you and up to 2 adult guests (or 1 adult guest plus dependent children) at United Club and Star Alliance™ lounges.
• 4 United Club One-Time Passes: Cardmembers with United Club All Access and an authorized user receive 4 United Club one-time passes annually (over $200 value).

Elite Hotel Status

• Platinum Elite Status in IHG One Rewards: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.

Redemption Options

• Redeem miles for United flights, seat upgrades, inflight Wi-Fi, hotel stays, car rentals, and more.
• 10% Discount on United Economy Saver Awards: Enjoy 10% off Saver Award flight redemptions within the continental U.S. and Canada.

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.

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.
• 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.
• Up to $200 Hotel Credit: Get up to $200 back each card anniversary year when you prepay for hotel stays through Renowned Hotels and Resorts with your United Club℠ Card.
• Up to $150 Rideshare Credit: Get up to $150 back per year on rideshare purchases, $12/month from January to November and up to $18 in December, when you enroll and pay with your United Club℠ Card. Annual enrollment required.
• Up to $100 in Car Rental Travel Credits: Earn $50 in United® TravelBank cash for each of your first two Avis or Budget rentals booked via cars.united.com and paid with your United Club℠ Card, up to $100 per anniversary year.
• Up to $200 JSX Credit: Receive up to $200 back each anniversary year when you book JSX flights directly using your United Club℠ Card. JSX offers a semi-private flying experience at commercial fares.
• Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
• Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
• Up to 20,000 Miles in Award Flight Discounts: Get a 10,000-mile discount on award flights after spending $20,000, eligible up to two times per calendar year with your United Club℠ Card.
• Premier Qualifying Points (PQP): Earn 1 PQP for every $15 spent, up to 28,000 PQP toward your MileagePlus Premier status per year.
• **1,500 Bonus PQP Each Year: Receive 1,500 PQP annually to help you qualify for Premier status. PQP will be applied to your MileagePlus account 6–8 weeks after February 1 each 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.
• Other Travel Benefits: Includes Auto Rental Coverage (primary coverage), 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.
• 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.
• Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

• Contactless checkout and compatibility with digital wallets.

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 60,000 bonus points after spending $5,000 in the first three months. That’s worth $750 when redeemed for travel through Chase Travel or $600 for cash.

Rewards

• $50 Chase Travel Hotel Credit: Receive up to $50 in statement credits each year for hotel stays booked through Chase Travel.
• 5x Points on Chase Travel Purchases: Earn 5x points on travel booked through Chase Travel. Note: Hotel bookings that use your $50 Annual Hotel Credit don’t earn 5x points (You’ll still get the credit, just not the extra points on that part).
• 2x Points on Other Travel Purchases.
• 3x Points on Select Categories:
  • 3x Points on Dining.
  • 3x Points on Eligible Online Grocery Purchases (excluding Target, Walmart, and wholesale clubs).
  • 3x Points on Select Streaming Services.
• 1x Points on All Other Purchases.
• 10% Anniversary Bonus: Each year, you’ll earn bonus points equal to 10% of your total purchases from the previous year.

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.
• $10 Off DoorDash Non-Restaurant Orders: Get up to $10 off per month on non-restaurant DoorDash orders.
• Lyft: Earn 5x Points on Lyft rides through September 2027.
• Peloton: Earn 5x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 25,000 points. Offer valid through March 31, 2027.

Redemption Options

• Redeem your rewards for cash, gift cards, travel, products, services, and more.
• 25% More Value on Travel Redemption: Get 25% 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.

Fees and APR

• Annual Fee: $95 for the primary cardholder; $0 for each authorized user.
• Regular APR: 19.99% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance Services, and Concierge Service.

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

Exclusive Offers: Early-access tickets, priority seating, and exclusive access to events with Sapphire offers, Chase Dining℠, and more.

Additional Features

• 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 a $50 Instacart credit automatically upon approval.

Rewards

• 5% Cashback on Instacart Purchases (for the first $6,000 per year).
• 5% Cashback on Travel purchased through Chase Travel℠.
• 2% Cashback on Select Categories:
  • 2% Cashback at Restaurants.
  • 2% Cashback at Gas Stations.
  • 2% Cashback on Select Streaming Services.
• 1% Cashback on All Other Purchases.

• Redeem rewards: For cash, travel, or Instacart orders.
• No annual fee.
• No foreign transaction fees.
• 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 the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Assistance, Travel and Emergency Assistance Services, and Travel Accident Insurance.
• World Elite® Concierge: 24/7 concierge service for personal assistance like reserving tables and locating hard-to-find items.
• Authorized users: Add authorized users at no cost to maximize your earning potential.
• Additional features: Contactless checkout and digital wallets.
• Regular APR: 18.99% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome offer

Earn 5 Free Nights (each valued up to 60,000 points) after spending $5,000 in the first three months. That’s up to 300,000 total points.

• Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
• Earn 5x points on travel, dining, and gas.
• Earn 3x points on all other purchases.
• Discount on point purchases: Save 20% when purchasing points with your IHG One Rewards Premier credit card.
• Annual fee: $99.
• No foreign transaction fees.
• Redeem your rewards: Use points for free nights at IHG® Hotels and Resorts, travel, and more. Get the fourth night free when redeeming points for a consecutive four-night stay at the same IHG® hotel. Points do not expire with IHG One Rewards program activity for 12 consecutive months.
• Anniversary free night: Receive a free night at IHG® Hotels & Resorts (up to 40,000 points value) on each account anniversary.
• $100 statement credit & 10,000 bonus points: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year.
• Global Entry, TSA PreCheck® or NEXUS statement credit: Receive up to $100 statement credit every four years for Global Entry, TSA PreCheck®, or NEXUS application fee when charged to your card.
• Up to $50 United® Airlines TravelBank Cash each year: Earn up to $50 in United® TravelBank Cash annually after registering your IHG One Rewards Premier credit card with your MileagePlus® account.
• Elite status: Enjoy Platinum Elite Status as long as you remain an IHG One Rewards Premier cardmember.
• Chase offers: Access deals through the Chase Mobile app and at chase.com with no coupons or registration required. Simply select an offer, add it to your card, and use it for purchases.
• Purchase protection: Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
• Extended warranty protection: Extends eligible U.S. manufacturer warranties of three years or less by one additional year.

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.

• Add an authorized user at no cost.
• Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Cancellation/Trip Interruption Insurance, and Travel Accident Insurance.
• Fraud protection: 24/7 fraud monitoring.
• Regular APR: 19.99% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

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

• 5,000 Bonus Miles for an Authorized User: Earn 5,000 bonus miles after adding an authorized user to your account within the first three months of account opening.
• 7x Miles on United Flights: Earn 5x miles as a MileagePlus member and 2x miles with the United Gateway Card.
• 3x Miles on Hotel Stays Booked Through United Hotels: Earn 2x miles as a MileagePlus member and 1x mile with the United Gateway Card.
• 2x Miles on All Other United Purchases.
• 2x Miles at Gas Stations.
• 2x Miles on Local Transit and Commuting.
• 1x Mile on All Other Purchases.
• Annual Fee: None.
• Foreign Transaction Fees: None.
• 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 20.49% - 28.99% applies to purchases and balance transfers.
• Redeem Miles: Use your MileagePlus miles for travel on United or to enhance your travel with upgrades, inflight Wi-Fi, hotel stays, car rentals, and much more. MileagePlus miles do not expire.
• 25% Back on United Inflight and Club Premium Drink Purchases: Receive 25% back as a statement credit on United inflight and Club premium drink purchases.
• 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 the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• Travel Benefits: Include Auto Rental Collision Damage Waiver and Trip Cancellation and Interruption Insurance.
• Luxury Hotel & Resort Collection: Receive complimentary Cardmember benefits at luxury hotels and resorts worldwide.
• DoorDash: Get a one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After the first year, you will be automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
• Exclusive Cardmember Events: Use miles or make purchases for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
• Visa Concierge: Enjoy complimentary Visa Signature® Concierge Service 24/7.
• Additional Features: Include digital wallets and contactless checkout.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

• Earn 60,000 bonus points + Explorist Status through 2/28/26 after spending $7,000 in the first 3 months. That’s enough for 4 free nights at Category 4 hotels.

• Points at Hyatt Hotels: Earn up to 9x points per $1 spent at Hyatt Hotels: 4x points per $1 on qualifying purchases at Hyatt Hotels and 5x points from Hyatt per $1 spent as a World of Hyatt member.
• Points in top categories: Earn 2x points per $1 in your top three eligible spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories are dining, shipping, airline tickets (when purchased directly with the airline), local transit & commuting, social media & search engine advertising, car rental agencies, gas stations, and internet, cable & phone services.
• Points on fitness: Earn 2x points per $1 on fitness club and gym memberships.
• Points on other purchases: Earn 1x point per $1 on all other purchases.
• Annual fee: $199.
• Foreign transaction fees: None.
• Redeem your rewards: For hotels, resorts, and more.
• Elite status: Receive complimentary World of Hyatt Discoverist status for you and up to 5 employees as long as your account is open.
• Faster path to status: Earn 5 Tier-Qualifying night credits toward status for every $10,000 you spend in a calendar year.
• Hyatt statement credits: Up to $100 in Hyatt statement credits each anniversary year: Spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• Redemption bonus: Spend $50,000 and receive 10% of the points you redeemed back for the rest of the year on up to 200,000 points redeemed.
• Hyatt Leverage membership: Discounts on standard room rates at all participating Hyatt hotels, with savings up to 15% off standard rates worldwide.
• Employee cards: Get employee cards at no additional cost and earn points on every purchase made by you or your employees.
• DoorDash: Get a one-year complimentary DashPass, providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
• 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 the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel and Emergency Assistance Services, and Trip Cancellation and Trip Interruption Insurance.
• Additional features: Contactless checkout.
• Regular APR: 19.99% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s up to 4 nights at IHG Hotels & Resorts.
• Earn up to 26x total points at IHG® Hotels and Resorts: 10X with this card, plus up to 10x for being an IHG One Rewards member, and up to 6x for Platinum Elite Status, a benefit of this card.
• Earn 5x points on travel, dining, select business purchases, and gas.
• Earn 3x points on all other purchases.
• Complimentary Free Night Award (valued up to 40,000 points) every year on your account anniversary.
• Redeem 3 nights, get 4th night free: Enjoy a reward night when you redeem points for a consecutive four-night stay at an IHG® hotel. You will receive the fourth night free, redeemable at the same hotel during that stay.
• Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
• Automatic Platinum Elite Status for as long as you have the IHG One Rewards Premier Business Credit Card.
• Save 20% when you purchase points with your IHG One Rewards Premier Business card.
• No foreign transaction fee.
• Redeem your rewards for free nights at IHG® Hotels and Resorts, travel, and more.
• Receive a credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS when charged to your card.
• Earn an additional free night (up to 40,000 points) after spending $60,000 on your IHG One Rewards Credit Card each calendar year.
• Get up to $50 in United® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your MileagePlus® account.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Travel benefits include Trip Cancellation and Trip Interruption Insurance.
• Regular APR: 19.9% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• 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: Earn 60,000 points after spending $3,000 in the first 3 months.
• Earn 3x points per $1 spent on Southwest Airlines® purchases.
• Earn 2x points per $1 spent on Rapid Rewards hotel and car rental partner purchases.
• Earn 2x points per $1 spent on local transit and commuting, including ride share services.
• Earn 1x point per $1 spent on everyday purchases.
• Annual fee: $99.
• No foreign transaction fees.
• Redeem points: Use points for flights, hotel stays, car rentals, shopping, and more.
• Anniversary points: Receive 6,000 bonus points each year after your cardmember anniversary.
• In-flight discount: Receive 25% back on Southwest in-flights purchases.
• Tier qualifying points (TQPs): Earn unlimited TQPs with 1,500 TQPs for every $5,000 spent.
• Fee credit for points transfers: $500 fee credit per year for points transfers.
• Companion pass boost: Receive a boost of 10,000 Companion Pass® qualifying points every year.
• EarlyBird Check-In®: Get 2 EarlyBird Check-In® each year.
• Employee cards: Get employee cards at no additional cost.
• DoorDash: Enjoy a one-year complimentary DashPass. After that, you are automatically enrolled at the current monthly rate. Activate by December 31, 2024.
• 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 the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, Travel and Emergency Assistance Services, Roadside Dispatch, Baggage Delay Insurance, and Travel Accident Insurance.
• Contactless checkout: Provides convenient and secure contactless checkout options.
• Regular APR: 20.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome offer: Earn 80,000 after spending $5,000 in the first 3 months.
• Earn 4x points per $1 spent on Southwest Airlines® purchases.
• Earn 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases.
• Earn 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services.
• Earn 2x points per $1 spent on local transit and commuting, including ride share services.
• Earn 1x point per $1 spent on everyday purchases.
• Annual fee: $199.
• No foreign transaction fees.
• Redeem points: For flights, hotel stays, car rentals, shopping, and more.
• Anniversary points: Receive 9,000 bonus points each year after your cardmember anniversary.
• Upgraded boardings: Get 4 upgraded boardings per year when available.
• Inflight WiFi credits: Receive inflight WiFi credits as statement credits for WiFi purchases on Southwest® aircraft, up to 365 $8 credits per year.
• Tier qualifying points (TQPs): Earn unlimited tier qualifying points (TQPs) with 1,500 TQPs for every $5,000 spent.
• Fee credit for points transfers: $500 fee credit per year for points transfers.
• Companion pass boost: Get a boost of 10,000 Companion Pass® qualifying points every year.
• Global Entry/TSA PreCheck®/NEXUS fee credit: Receive a statement credit of up to $100 every four years for the application fee for Global Entry, TSA PreCheck® or NEXUS.
• Employee cards: Get employee cards at no additional cost.
• DoorDash: Enjoy a one-year complimentary DashPass. After that, you are automatically enrolled at the current monthly rate. Activate by December 31, 2024.
• 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 the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, Travel and Emergency Assistance Services, Roadside Dispatch, Baggage Delay Insurance, and Travel Accident Insurance.
• Contactless checkout: Provides convenient and secure contactless checkout options.
• Regular APR: 20.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full 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.

• Welcome Offer: Earn 75,000 Avios points after spending $5,000 within the first 3 months of account opening.
• 3x Avios: Earn 3 Avios per $1 spent on Iberia, British Airways, and Aer Lingus flight purchases.
• 2x Avios: Earn 2 Avios per $1 spent on hotels.
• 1x Avios: Earn 1 Avios per $1 spent on all other purchases.
• Annual Fee: $95.
• Foreign Transaction Fee: None.
• Redeem Avios: Use Avios for flights on Iberia and its airline partners, flight upgrades, hotel stays, car rental, and more. Avios will not expire as long as you remain an active member in the Iberia Plus Program for 36 consecutive months.
• 10% Discount on Iberia Flights: Receive 10% off Iberia flights.
• $1,000 Airfare Discount Voucher Each Calendar Year: Earn a $1,000 discount voucher each calendar year when you spend $30,000 on your card, which can be used toward two tickets on the same Iberia flight.
• 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 the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• Travel benefits: Includes Baggage Delay Insurance and Lost Luggage Reimbursement.
• DoorDash: Enjoy complimentary DashPass membership from DoorDash for one year when you activate it by December 31, 2024.
• Additional Features: Include digital wallets and contactless checkout.
• Regular APR: 19.99% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome offer: Earn 85,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
• Earn up to 18.5x total points at Marriott: Earn 6x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Additionally, earn up to 10x points from Marriott for being a Marriott Bonvoy® member, and up to 2.5x points from Marriott for Gold Elite Status, a benefit of being a Marriott Bonvoy Bountiful™ cardmember.
• Earn 4x points: For every $1 on the first $15,000 in combined purchases each year at grocery stores and dining.
• Earn 2x points: For every $1 spent on all other purchases.
• Additional Marriott Bonvoy® Stay Points: Earn 1,000 bonus points per eligible stay at hotels participating in Marriott Bonvoy®.
• Annual fee: $250.
• No foreign transaction fees.
• Redeem your rewards: For free nights at Marriott hotels. You can also redeem points for flights, experiences and more. Points will not expire as long as you make purchases on your credit card every 24 months.
• Free night award every year: Complimentary free night award (valued up to 50,000 points) after spending $15,000 in purchases each calendar year. Certain hotels have resort fees.
• Elite Status: Receive automatic Gold Elite status and 15 Elite Night Credits every calendar year.
• Chase Offers: Access great deals in the Chase Mobile app and at chase.com. There are no coupons, codes, or vouchers to remember, and no registration is required. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
• 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 the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• DoorDash: Complimentary DashPass membership from DoorDash for one year when you activate it with a Chase Marriott Bonvoy® card by December 31, 2024.
• Visa Concierge: Get complimentary Visa Signature® Concierge Service 24 hours a day.
• Hertz car rental: Rent a car through Marriott’s travel partner, Hertz and earn up to 20,000 points along with special savings when using Marriott Bonvoy® credit card.
• Add an authorized user at no cost.
• Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.
• Additional features: Include 24/7 customer service, digital wallet, zero liability protection, fraud protection, emergency cash advance or a card replacement, lost/stolen card reporting, account alerts, Credit Journey, embedded chip-enhanced security, and contactless checkout.
• Regular APR: 20.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the terms and conditions.

Welcome offer

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 in the first three months.
• Plus, earn 50,000 bonus points after spending $6,000 in the first six months.

• Earn up to 17x total points at Marriott: Get 6x points for every $1 spent at over 7,000 Marriott Bonvoy® hotels, up to 10x points for being a Marriott Bonvoy® member, and 1x point for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember.
• 3x points for every $1 on the first $6,000 in combined purchases each year on groceries, gas, and dining.
• 2x points for every $1 spent on all other purchases.
• Annual Fee: $95
• Foreign Transaction Fees: None.
• Redeem Rewards: For free nights at Marriott hotels. You can also redeem points for flights, experiences, and more. Points will not expire as long as you make purchases on your credit card every 24 months.
• Annual Free Night Award: Complimentary Free Night Award (valued up to 35,000 points) every year after your account anniversary.
• Elite Status: Receive automatic Silver Elite Status and 15 Elite Night Credits every calendar year. Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 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 the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
• Travel Benefits: Include Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, and Travel and Emergency Assistance Services.
• Visa Concierge: Get complimentary Visa Signature® Concierge Service 24/7. Find tickets to top sports and entertainment events, make dinner reservations and get help sending the perfect gift.
• DoorDash: Enjoy complimentary DashPass membership from DoorDash for one year when activated by December 31, 2024.
• Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings when using your Marriott Bonvoy credit card.
• Chase Offers: Browse and activate deals on things you love with the Chase Mobile® app or by logging in to chase.com.
• Add an Authorized User: Expand your earning potential by adding your friends and family as authorized users to your Marriott Bonvoy account.
• Additional Features: Include digital wallets, fraud protection, 24/7 customer service, emergency cash and card replacement, lost/stolen card reporting, account alerts, Credit Journey, embedded chip for enhanced security, and contactless checkout.
• Regular APR: 20.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.