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The card_name has been a favorite card of miles & points fans for as long as I can remember and it’s a card that currently takes up a key slot in my wallet. Now, and for a limited time, it now comes with an increased welcome offer which allows successful new applicants to earn 75,000 bonus points after spending $4,000 in the first three months of card membership.
The card in brief
The card_name is a mid-tier card that offers access to Chase’s highly regarded Ultimate Rewards program from where cardholders can transfer their hard-earned points to a variety of airline and hotel loyalty programs in a 1:1 ratio.
With bonus points offered for spending on travel and on dining and with benefits that include excellent rental car protection, no foreign transaction fees, and good trip insurances, this is a card that works very well in the wallets of those who love to travel.
A little more detail
Annual fee: annual_fees
Cost of authorized user cards: $0
Current welcome bonus:
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
Note: You can only apply for a card_name if you don’t already hold one of the Sapphire Cards and you’ll only be eligible for the welcome bonus if you haven’t received a welcome bonus on a Sapphire Card in the past 48 months.
Earnings:
- 5 points/dollar on travel purchased through Chase Travel℠*
- 5 points/dollar on Lyft rides (through March 2025) – link
- 3 points/dollar on dining worldwide
- 3 points/dollar on online grocery spending#
- 3 points/dollar on select streaming services
- 2 points/dollar on all travel that isn’t booked through Chase Travel^
- 1 point/dollar for spending in all other categories
*Hotel purchases that qualify for the $50 Anniversary Hotel Credit will not earn 5 points/dollar
^Chase’s “travel” category is very broad, so you’ll earn 2 points per dollar on everything from airfare, rental cars, and hotel bookings through to car parking, tolls, and ride-sharing services.
#Excludes Target, Walmart, and wholesale clubs.
Other key benefits:
- Redeem points at 1.25 cents each when booking travel through Chase Travel.
- Earn up to $50 in statement credits each card anniversary year for hotel stays purchased through the Chase Travel.
- 10% anniversary points bonus.
- Primary auto rental cover.
- Trip cancellation/interruption insurance.
- Baggage delay insurance.
- Trip delay reimbursement.
- No foreign transaction fees.
Thoughts on the welcome offer
This isn’t quite as good a deal as we saw around this time last year (80,000 bonus points were on offer back then) and there may be slightly better offers than this one currently available in-branch, but this is still an excellent deal to see offered on what continues to be a great miles & points credit card.
If you’re going to redeem any Ultimate Rewards points that you earn through the Chase Travel portal, you’ll get 1.25 cents of value out of every point used and that values the welcome offer at $937.50.
Personally, however, I get more value out of my points by transferring them to Chase’s partner programs (more on those in a moment) so, conservatively (and based on how I use my points), I value Ultimate Rewards points at 1.5 cents each. That values the welcome bonus at $1,125.
Regardless of which of those values you prefer to use, we should be able to agree that a welcome bonus that’s worth at least $937.50 is a great bonus to be offered on a card that costs just annual_fees hold and that makes this improved deal worthy of consideration.
Key reasons for this card’s popularity
The card_name comes with a good variety of benefits that all help to make this a very popular card, but there are a few key reasons and benefits that stand out.
The cost
The card costs annual_fees/year but any cardholder that makes the most of the $50 credit that can be earned when booking hotels through Chase Ultimate Rewards will effectively be lowering that cost to just $45. That’s an incredibly low price to pay for a card that comes with all the benefits that this great card offers.
3 points/dollar on worldwide dining
The card_name earns 3 points/dollar on dining worldwide (which can include everything from Michelin-starred restaurants to a coffee booth on a station platform) and that’s a rate that no other Chase-issued credit card can beat (not even the considerably more expensive CSR).
More importantly, as this is a card that doesn’t charge foreign transaction fees, it is one of the most economical cards to use whether you’re dining at home or overseas.
Ultimate Rewards partners
The points that the card_name earns are called Ultimate Rewards points and these points convert over to loyalty programs like United’s MileagePlus, Singapore Airlines KrisFlyer, and the World of Hyatt in a 1:1 ratio (more details here).
There is no cost to transfer points so when you’re spending on travel or dining with your card, you are essentially earning 2-3 points/dollar in any of the loyalty programs that Chase partners with. That’s an incredible amount of flexibility for a credit card to offer.
Primary rental car cover
The card_name offers cardholders primary rental car cover when they decline the rental company’s collision insurance and pay for the whole of their rental using their card.
As coverage is primary, there’s no need for a cardholder to get their own car insurance company involved in the case of an incident, and they can feel safe in the knowledge that the card’s coverage provides reimbursement up to the actual cash value of the vehicle for theft and collision.
Importantly, this protection covers most rental cars in the U.S. and abroad.
As I mentioned earlier, there are quite a few other reasons to love this card (click for our full review) but I think the ones outlined above are the ones that most cardholders would consider key and are the ones that they would point to when asked why the card has a place in their wallets.
Bottom line
The card_name offers great earnings on travel booked through Chase and at restaurants worldwide, it comes with a low annual fee, it doesn’t charge foreign transaction fees, it offers cardholders valuable benefits, it grants access to the wonderful world of Ultimate Rewards, and it now comes with a great welcome offer.
If you love the miles and points game and don’t yet have this card, now would be as good a time as any to consider if the card_name is a card that would work well in your wallet.
Looks like the referral link for refer-a-friend is still showing 60,000? Any way around this?
Give it a day or so and the referral links may catch up.