- Annual Fee
- $795
- Ongoing Annual Value
- $1,225
- First-Year Value Estimate
- $2,185
- Net Value
- +$430
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Worth it for me?Credits & Perks (8)
- Travel: $300 (Annual Cardmember Year)
Automatic statement credits for travel purchases each account anniversary year
- ZipRecruiter: $200 (Semi Annual Calendar Year)
Cardmembers can earn up to $200 in statement credits on purchases made directly with ZipRecruiter from January through June and again from July through December, through 12/31/2027.
- Google Workspace: $200 (Annual Calendar Year)
Statement credits for purchases made directly on Google Workspace, through 12/31/2027.
- Giftcards.com: $50 (Semi Annual Calendar Year)
Earn up to $50 in statement credits from January to June and again from July to December when purchasing gift cards from a curated collection of notable brands on giftcards.com/reservebusiness, October 31, 2028
- Lyft: $10 (Monthly)
Up to $10 in monthly in-app credits through 9/30/2027
- The Edit by Chase Travel: $500 (Annual Calendar Year)
Beginning January 1, 2026 get up to $250 in statement credit for a prepaid 2+ night hotel booking through The Edit, twice per year, for a maximum of $500 annually. Purchases that qualify will not earn points.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Chase Travel Hotel (2026): $250 (One Time)
From January 1, 2026, through the end of the year, cardholders will get up to $250 in statement credits for prepaid bookings through Chase Travel for select hotel chains (IHG Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Pendry Hotels & Resorts, Montage Hotels & Resorts, Minor Hotels, Pan Pacific Hotels & Resorts). A minimum stay of two nights is required.
Lounge Access (3)
- Priority Pass Select (Unlimited) — 2 free guests, paid guests allowed
- Chase Sapphire Lounge (Unlimited) — 2 free guests, paid guests allowed
- Air Canada Maple Leaf Lounge (Unlimited) — paid guests allowed
Elite Status (4)
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- World of Hyatt: Explorist
- Southwest Rapid Rewards: A-List
Protections (13)
- Baggage Delay — up to $500 — Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 for death/dismemberment on common carrier. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Trip Cancellation/Interruption — up to $10,000 — Up to $10,000 per traveler, $20,000 per trip for non-refundable costs. Pay for any part of your trip with your card to be eligible for this benefit.
- Trip Delay — up to $500 — Up to $500 per traveler for delays over 6 hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Emergency Evacuation — up to $100,000 — Coverage for emergency medical evacuation costs up to $100,000. Pay for any part of your trip with your card to be eligible for this benefit.
- Emergency Medical/Dental — up to $2,500 — Up to $2,500 for emergency medical and dental expenses. Put any part of common carrier transportation on your card to be eligible for this benefit.
- 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)
- Return Protection — up to $500 — Up to $500 per item when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary) — up to $75,000 — Primary coverage up to $75,000 for rental car damage/theft. For rentals within the United States, coverage is primary only if the rental vehicle is for commercial/business purposes; it is secondary for New York residents with personal auto insurance. Pay for the full cost on your card to be eligible for this benefit.
- Roadside Assistance — up to $50 — Up to $50 per incident, max 2 gallon fill up, 4 times per year
- Cell Phone Protection — up to $1,000 — Up to $1,000 per claim for cell phone damage or theft when you pay your monthly cell phone bill with your card. Max 3 claims in a 12-month period, $100 deductible per claim. Excludes damage that doesn’t interfere with calls.
Other Perks
- Points worth 2 cents towards qualified Chase Travel bookings
- Points Boost: redeem Ultimate Rewards points for up to 2X value on select hotels and flights through Chase Travel
- Complimentary DoorDash DashPass ($120 value) plus up to $300/year in monthly promotional credits ($5/month restaurant + two $10/month non-restaurant), activate by 12/31/2027
- Big Spend Benefits (after $120K annual spend): $500 credit for The Shops at Chase
- Big Spend Benefits (after $120K annual spend): $500 credit for Southwest Airlines purchases through Chase Travel