Chase Cards

Chase Sapphire Preferred

This is arguably the best all-around card for beginners.  The 60,000 80,000 point welcome offer is worth at least $1000 when used on the Chase Travel portal to book travel.  But I prefer to get even more value from the points by transferring them to Chase's travel partners such as Hyatt, United, and Southwest.

The card also offers 2 points per dollar for all travel & dining purchases, no foreign transaction fees when traveling abroad, and includes primary rental car coverage so you can decline rental car companies insurance.

The card's annual fee is only $95.  Learn more and apply here.

Chase Sapphire Reserve

This card was named 'Best Premium Travel Credit Card' for 2019 by MONEY Magazine.  It has a great mix of benefits and points earning potential which more than cover the high $550 annual fee. 

Currently, the 50,000 point welcome offer is worth at least $750 when used on the Chase Travel portal to book travel.  But I prefer to get even more value from the points by transferring them to Chase's travel partners such as Hyatt, United, and Southwest.

This card also comes with a $300 annual travel credit - just use your card for travel items and get reimbursed by statement credit.  It also includes access to 1000+ airport lounges and also gives you a $100 application fee credit for Global Entry or TSA Pre✓®

The card also offers 3 points per dollar for all travel & dining purchases, no foreign transaction fees when traveling abroad, and includes primary rental car coverage so you can decline rental car companies insurance.

New for 2020, this card gives you one year complimentary Lyft Pink ($199 minimum value) and the ability to earn 10X points on Lyft rides.  Also new for 2020, it gives you $120 in Doordash statement credits ($60 in 2020 and $60 in 2021).

The card's annual fee is $550 but I think you will agree the benefits are worth much more than the annual fee.  Learn more and apply here.

 Chase Freeom Flex

There is currently a $200 bonus (20,000 points) after you spend $500 on purchases in the first 3 months from account opening.

Earn 5X points on grocery store purchases on up to $12,000 spent in the first year.  Also earn 5X points on travel purchased through Chase.   Finally earn 5X on up to $1500 each quarter in rotating categories (Restaurants, Grocery Stores, Amazon.com, etc).  That's a ton of 5X categories!

This card also earns 3X points on dining at restaurants and 3X points at drugstores.   1X points on all other purchases.

Points are worth 1¢ each (20,000 points = $150) unless you hold a Chase Premium Ultimate Rewards card (such as the Sapphire Preferred or Sapphire Reserve) where you can transfer points to airlines and hotels or convert to cash at a 1.25% or 1.5% rate!

No Annual Fee.  Learn more and apply here.

Chase Freedom Unlimited

This card earns a solid 5% on travel booked at Chase travel site, 3% on dining at restaurants and drug stores and 1.5% Ultimate Reward points on ALL other purchases.

There is currently a $200 bonus (20,000 points) after you spend $500 on purchases in the first 3 months from account opening.  Also, this card is currently offering 5X points on grocery store purchases up to $12,000 in the first year.

There is also a 0% intro APR for 15 months from account opening on purchases and balance transfers.

Points are worth 1¢ each (15,000 points = $150) unless you hold a Chase Premium Ultimate Rewards card (such as the Sapphire Preferred or Sapphire Reserve) where you can transfer points to airlines and hotels.

No Annual Fee.  Learn more and apply here.

Chase Ink Business Preferred

The Chase Ink Business Preferred card is currently offering a MASSIVE 100,000 point welcome offer after spending $15,000 in the first 3 months of account opening which is worth at least $1250 towards travel rewards.  Points can also be transferred to travel partners for even more value!

It also earns a solid 3X points (on first $150,000/year) on Travel, Shipping Purchases, Internet/Cable/Phone Services, and Advertising Purchases.

This card also offers $600 per claim in cell phone protection when you use it to pay your bill - this has come in handy for me numerous times.

Also it has no foreign transactions fees and offers primary auto rental insurance (when renting for business).

The card has $95 annual fee.  Learn more and apply here.

Chase Ink Business Unlimited

The Chase Ink Business Unlimited card is currently offering a 75,000 point bonus offer after spending $7500 in the first 3 months of account opening.  75,000 points are worth $750 or can be used to transferred to travel partners for even more value if you have a Chase Premium card (such as the Sapphire Preferred, Reserve, or Business Preferred).

It earns 1.5X on ALL purchases so need to memorize any categories.

The card has NO annual fee.  Learn more and apply here.

Chase Ink Business Cash

 The Chase Ink Business Cash card is currently offering a 75,000 point bonus offer after spending $7500 in the first 3 months of account opening.  75,000 points are worth $750 or can be used to transferred to travel partners for even more value if you have a Chase Premium card (such as the Sapphire Preferred, Reserve, or Business Preferred).

This card also earns 5X points in select business categories (up to $25,000 per year at office supply stores and internet/cable/phone services).

It also earns 2X points at gas stations and restaurants (also up to $25,000 per year).

The card has NO annual fee.  Learn more and apply here.

United Explorer MileagePlus

The United Explorer card is currently a 60,000 bonus miles offer after you spend $3,000 on purchases in the first 3 months your account is open.  Plus earn an additional 10,000 miles after you spend $6000 in 6 months.

When you book your United ticket with this card, your first checked bag is free.  The card also earns 2 miles per $1 spent at restaurants, hotel stays, and United purchases.  You also get 25% back on inflight United purchases (food/wife/etc)

Having the card also gets your priority boarding and 2 one-time passes each year to the United Club.  Finally it also gives you a $100 application fee credit for Global Entry or TSA Pre✓®

$0 introductory annual fee for the first year, then $95.  Learn more and apply here.

Chase United Club Infinite

The United Club Infinite card is a high end airline card with a large annual fee that offers a plethora of benefits, credits, and perks which may easily outweigh the cost of the annual fee for some.  Currently there is a $0 intro annual fee ($525 after the first year).

First, if your home airport has a United Club, this card provides you (and travel companions) with a United Club membership (up to a $650 value per year).  You will get to access all United Club locations and participating Star Alliance affiliated lounges worldwide.

Having this card also get you (and one companion) your first and second checked bags for free.  It also gives you a 25% back as a statement credit on United food, beverage, and wi-fi onboard purchases.

You also earn 4X miles on all United purchases; 2X miles on all other travel purchases, 2X miles on restaurants and eligible delivery services such as GrubHub and DoorDash.  And 1X mile on all other purchases.

Finally it also gives you a $100 application fee credit for Global Entry or TSA Pre✓®

The card's annual fee is $525 after the first year.  Learn more and apply here.

Southwest Rapid Rewards Priority

The Southwest Rapid Rewards Priority card has a $149 annual fee and is currently offering a 40,000 point bonus after you spend $1000 in the first 3 months.

This card also gives you a $75 annual Southwest credit each year along with 7500 points each year on your cardmember anniversary.  Southwest points are generally worth 1.6 cents each so 7500 points is worth $120.

It also gives you four upgraded boarding positions each year. These are actually better than purchasing early bird since you will get boarding position A1-A15 when you purchase this at the check-in counter or ticket counter.  While early bird is usually $15-$25, upgraded boardings cost $30-$50. For simplicity, let’s just say these are worth $15 (like the cheapest early bird).

$120 (7500 miles) + $60 (upgraded boarding) + $75 (annual credit) = $255 value vs $149 annual fee.

Learn more and apply here.

Southwest Rapid Rewards Premier

The Southwest Rapid Rewards Premier card has a $99 annual fee and is currently offering a 40,000 point bonus after you spend $1000 in the first 3 months.

This card gives 6000 points each year on your cardmember anniversary.  Southwest points are generally worth 1.6 cents each so 6000 points is worth $96.  The value of these points just about covers the $99 annual fee.

It also earns 2X points on all Southwest purchases and 1X points on everything else.

Learn more and apply here.

Southwest Rapid Rewards Plus

The Southwest Rapid Rewards Plus card has a $69 annual fee and is currently offering a 40,000 point bonus after you spend $1000 in the first 3 months.

This card gives 3000 points each year on your cardmember anniversary.  Southwest points are generally worth 1.6 cents each so 3000 points is worth $48.  The value of these points cover most of the $69 annual fee.

It also earns 2X points on all Southwest purchases and 1X points on everything else.

Learn more and apply here.

Southwest Rapid Rewards Performance Business

The Southwest Performance Business is the business card version that I prefer. It has a $199 annual fee but the benefits more than cover the annual fee cost.  It currently offers a 70,000 point bonus after you spend $5000 in the first 3 months.  Additionally earn an additional 30,000 points after spending $25,000 within the first 6 months for a total of 100,000 points!

The card's benefits include:  9000 points each year on your cardmember anniversary.  Southwest points are generally worth 1.6 cents each so 9000 points is worth $144.

It also will credit your Global Entry or TSA PreCheck every 4 years up to $100.  I'll never go without Global Entry again so this is worth $25/year to me.

Ever use WiFi on flights?  This card credits you back the cost of Wifi on Southwest flights.  365 $8 credits per year!  I don't fly Southwest everyday but maybe will take 4-6 flights per year, so I value this benefit at $24 as I usually don't purchase Wifi.

It also gives you four upgraded boarding positions each year. These are actually better than purchasing early bird since you will get boarding position A1-A15 when you purchase this at the check-in counter or ticket counter. While early bird is usually $15-$25, upgraded boardings cost $30-$50. For simplicity, let’s just say these are worth $15 (like the cheapest early bird).

$144 (9000 miles) + $60 (upgraded boarding) + $25 (Global Entry) + $24 (wifi) = $253 value vs $199 annual fee.

Learn more and apply here.

Southwest Rapid Rewards Premier Business

The Southwest Premier Business card has a $99 annual fee and it currently offers a 60,000 point bonus after you spend $3000 in the first 3 months.

The 6000 points each year that this card gives you on your cardmember anniversary just about cover the cost of the annual fee. Southwest points are generally worth 1.6 cents each so 6000 points is worth $96.

It also earns 2X points on all Southwest purchases and 1X points on everything else.

Learn more and apply here.

Marriott Bonvoy Boundless

The Marriott Bonvoy Boundless card is currently offerring 75,000 points after you spend $3,000 on purchases in the first 3 months from account opening.

Like Hyatt and IHG, you also get a free night certificate each year (limited to hotels 35,000 points and less).  This card also earns 6X points per dollar spent at Marriotts.

Just having this card gets you Marriott Silver Elite status.  And you can spend your way to Gold Elite by spending $35,000 on the card each account year.  It also gives you 15 Elite Night credits each year to qualify for status.

The card's annual fee is $95.  Learn more and apply here.

IHG Rewards Club Premier

There is currently an 140,000 bonus point offer after you spend $3,000 on purchases in the first 3 months from account opening.  The IHG award chart ranges from 10,000 points all the way up to 70,000 points per night at the higher end hotels.

There are two reasons why you should want to get this card and keep it long term.  First, you get a free night certificate each year (limited to hotels 40,000 points and less).  And second when you redeem points for three nights, you get a 4th night FREE!

You also earn up to 25 points per $1 spent at IHG hotels.

Also worth mentioning is getting Platinum Elite status in IHG's program just for having this card along with a $100 credit every four years for your Global Entry or TSA Pre check fees.

The card's annual fee is only $89 but is waived the first yearLearn more and apply here.

Chase World of Hyatt

Definitely my favorite of the Chase hotel cards.  The Chase World of Hyatt card currently there is a 50,000 point bonus after spending $6000 in the first 6 months of account opening (earn 25,000 points after spending $3000 in the first 3 months, then another 25,000 points after spending a total of $6000 in 6 months).

Hyatt has one the best award charts of all the hotel chains with free night awards starting at just 5,000 points.   

This card also gives you a free night certificate (good at any category 1-4) each year when you renew.

The card's annual fee is only $95.  Learn more and apply here.

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