Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partnersโ links. This content is created by TIME Stamped, under TIMEโs direction and produced in accordance with TIMEโs editorial guidelines and overseen by TIMEโs editorial staff. Learn more about it.
The card_name is a popular travel rewards credit card, offering a slew of benefits on everyday spending as well as protections whenever you leave home. With a low annual fee (especially compared to its big brother, the Chase Sapphire Reserve) and many points redemption options, this card is a great pick for everyday consumers and jetsetters alike.
Hereโs a look at what the card_name card offers, what you can expect to earn on your spending, and how to redeem your Ultimate Rewards points in the most lucrative way.
The card_name is a great card for frequent or occasional travelers looking for a robust rewards platform and reasonable annual fee. Redemption rates are often highest when transferring to Chase partner programs (select airlines and hotels) or booking travel through the Ultimate Rewards platform, though cash back, gift cards, and online shopping options are also available. Other cards may offer higher rewards earnings in common categories like gas and groceries.
The card_name is a popular rewards card for creditworthy borrowers looking to maximize points earned while also minimizing their out- of- pocket annual expenses. Currently, new cardholders will benefit from the following bonus: bonus_miles_full
While Chase doesnโt publish a minimum credit score requirement for this card, applicants will likely need good to excellent credit in order to qualify. In terms of FICO, this means having a score of at least 670-739, if not higher.
There is no 0% APR promotional offer on the card_name right now. This means that if youโre looking for a card to make no-interest purchases or allow for 0% APR balance transfers, this wonโt be the right card. However, if the bulk of your spending comes from travel, dining, grocery purchases, or even streaming services, you can earn between 2x and 5x points per dollar spent. (All other purchases earn 1x per dollar.)
This card offers many different options for points redemption, too, so itโs great for cardholders who want flexibility. If you travel or stay with any of the partner airlines or hotels, this can be a good way to take advantage of loyalty programs and redeem points directly for even more value.
Rewards, in the form of Ultimate Rewards points, can be earned many different ways with the card_name. Youโll earn between 1x and 5x points per dollar on your everyday spending, based on the categories of each purchase. You can also earn additional points by going through the Shop by Chase portal and making purchases at participating retailers.
Kategorie | Rewards rate | Annual rewards limit |
---|---|---|
Travel booked through the Chase Ultimate Rewards portal | 5x | None |
On all other travel | 2x | None |
At restaurants | 3x | None |
Online grocery purchases (excludes Target, Walmart, and wholesale) | 3x | None |
Select streaming services | 3x | None |
On general purchases | 1x | None |
Cardholders are awarded a 10% points bonus each year based on their overall spending. So, if you spend $30,000 on the card in a given year, youโll get 3,000 bonus points on your account anniversary.
Your options for using those points are just as flexible. You can choose to:
When it comes to transferring your points to partner airlines or hotels, youโre limited to select brands. With the Chase Sapphire Preferred card, this includes:
There are a few other benefits worth noting on the card_name.
Youโll earn a credit for up to $50 each year on hotel stays booked through the Chase Ultimate Rewards travel portal.
If you pay for a trip with your card_name, youโre protected against any number of hiccups along the way. This card offers coverage against things like flight cancellations, trip delays, lost or delayed luggage, primary rental car protection, and travel emergency assistance.
Purchases made with this card are covered against eligible damage or loss for up to 120 days after purchase, for up to $500 in coverage per claim and $50,000 per account. Any manufacturerโs warranties are automatically extended by up to a year, as well, when you pay for the item with this card.
Get a free DashPass membership through DoorDash and Caviar when you connect your eligible Chase Sapphire card. This membership gives you $0 delivery fees and reduced service charges when ordering meals.
Perhaps the biggest downside to the card_name is the lack of an introductory APR offer. Many cards offer a temporary 0% APR on new purchases, balance transfers, or both. These offers allow you to make big purchases or pay off existing debt without incurring new finance charges for a period of time.
Without an introductory APR offer, your balance will need to be paid in full by your statement due date if you want to avoid paying interest.
Chase Sapphire Reserveยฎ | |||
---|---|---|---|
Credit score needed | credit_score_needed | credit_score_needed | credit_score_needed |
Regular APR | reg_apr,reg_apr_type | reg_apr,reg_apr_type | reg_apr,reg_apr_type |
Annual fees | annual_fees | annual_fees | annual_fees |
Welcome offer | bonus_miles_full | bonus_miles_full | bonus_miles_full |
There are some notable differences between the card_name and card_name. One of the biggest is the annual fee, which is just annual_fees per year with the CSP and annual_fees per year with the CSR. The card_name also offers more points on travel purchases than the Preferred, and also gives you a 50% higher redemption rate when you use points to book travel through the Ultimate Rewards portal (compared to the Preferred cardโs 25% bonus).
card_name gives cardmembers a $300 annual travel credit and a complimentary Priority Pass Select membership. The card_name does not offer either benefit.
The card_name is a good choice for frequent or occasional travelers who want top-notch travel protection, a robust rewards program, and flexible options for redeeming accrued points. Applicants will need to have good credit to qualify and begin enjoying everything that this low-annual fee rewards credit card has to offer.
Chase does not publish the maximum credit limit allowed on the card_name. The minimum credit limit is $5,000, while many qualified cardholders self-report credit limits well into the tens of thousands.
When earning points through the card_name, youโll get 5x points on all travel booked through the Ultimate Rewards portal and 2x points on all other travel purchases. You can also redeem your earned points toward new travel bookings through Chase. While the actual vendors and purchases in this category may vary, it typically includes purchases like airfare, hotel stays, rental cars, cruise reservations, bus fares, Airbnb stays, train fares, parking garage fees, toll booth fares, rideshare fares, and select activities.
Ultimate Rewards points earned with a card_name can be redeemed for cash (in the form of a statement credit), travel booked through the Ultimate Rewards portal, gift cards to select retailers, or you can transfer points to airline or hotel partners. You can also choose to pay for Amazon and Paypal purchases with your points by enabling the Pay With Points feature.
The value of a card_name point (known as an Ultimate Rewards point) varies depending on the redemption method. When redeemed for cash as a statement credit, gift cards to select retailers, or for Chase Dining options, points are valued at $0.01. When used to book travel through the Ultimate Rewards portal, points are worth $0.0125.
Other redemption options, such as Pay Yourself Back or points transfers to travel partners, have the potential to make each point worth more.
A complimentary Priority Pass Select membership is not included with the card_name. This benefit is limited to card_name cardholders (and is also offered by other select travel credit cards).
As with most of the best credit cards, youโll likely need a good or even excellent credit score to qualify for the card_name. Youโll likely need to show evidence of steady income, as well, in addition to having a reasonable debt-to-income ratio (DTI).
The information presented here is created by TIME Stamped and overseen by TIME editorial staff. To learn more, see our About Us page.