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Card Economics
- Annual Fee
- $195
- Ongoing Annual Value
- $98
- First-Year Value Estimate
- $695
- Net Value
- −$97
Card type: BusinessForeign transaction fee: NoneCurrency: Cash Back
Earning Structure
5%Lyft5%
5%Travel booked through Chase Travel5%
2.5%Purchases of $5K or more2.5%
2%All other purchases2%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Protections (9)
- Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per person and $10,000 per trip for non-refundable trip costs
- Trip Delay — up to $500 — Up to $500 per ticket for delays over 12 hours or overnight
- Lost Luggage — up to $3,000 — Up to $3,000 per passenger for lost baggage
- Baggage Delay — up to $500 — Up to $100 per day for 5 days ($500 max) when baggage delayed 6+ hours
- Purchase Protection — up to $10,000 — 120 days coverage for theft/damage/involuntary parting
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original). Up to $10,000 per item, $50,000 per calendar year.
- Auto Rental Collision Damage Waiver (primary) — up to $60,000 — Primary coverage up to $60,000 for rental vehicle damage or theft
- Cell Phone Protection — up to $1,000 — Up to $1,000 per claim for cell phone damage or theft when bill paid with card, max 3 claims per 12 months. Excludes damage that doesn’t interfere with calls.