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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $278
- First-Year Value Estimate
- $296
- Net Value
- +$278
Card type: PersonalForeign transaction fee: 3%Currency: Chase Ultimate Rewards
Sign-up Bonus
$200 (*awarded as 20,000 points) after spending $500 in the first 3 months
Am I eligible?Earning Structure
5XTravel booked through Chase Travel7.5%
3XDining4.5%
3XDrugstores4.5%
2XLyft (through 9/30/2027)3%
1.5XAll other purchases2.2%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Credits & Perks (1)
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
Protections (4)
- Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per person, $6,000 per trip for pre-paid, non-refundable travel expenses
- Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
- Auto Rental Collision Damage Waiver (secondary) — up to $60,000 — Secondary coverage up to $60,000 for theft and collision damage on rental vehicles
Other Perks
- Complimentary DoorDash DashPass for 6 months upon activation
- Can combine points with a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Preferred) to transfer to airline/hotel partners or redeem for higher value through Chase Travel
