chase travel visa card

• Airport lounges
• Dining & experiences
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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card 1 each year. Each year, your first $300 in travel purchases will not earn rewards points. 2

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. 7

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. 1

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. 1

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. 1

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. 1

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. 5

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. 6 For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. 8

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. 9

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. 10

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. 3 This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. 4 That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. 1 From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

Takeout tastes even better with a complimentary DashPass membership on both DoorDash and Caviar. You’ll pay no delivery fee and lower service fees on eligible orders for a minimum of one year. Activate by Dec. 31, 2024 12 . Plus, as a DashPass member get a $5 monthly DoorDash credit automatically applied at checkout 13 .

Instacart benefits from Sapphire

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. 14 In addition, Instacart+ members earn up to $15 in statement credits each month through July 2024. 15 Membership auto-renews. Terms apply.

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. 16

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. 1

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. 16

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & services by June 31, 2024.

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® 19 and Amazon.com. 20

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select.

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind 22

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection 23

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. 24 Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. 22

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. 22

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. 22

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. 25

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service 26

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app 27 to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. 28

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). 29

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & services by June 31, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

Already a Sapphire cardmember?

Sign in to view your account, access exclusive content and take advantage of your Sapphire benefits.

Not a Sapphire cardmember yet?

We’re glad you’re here. Learn more about getting a Sapphire card.

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View the details of the Sapphire Reserve benefits offered on this page.

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Introducing Chase Travel

Seamlessly book your best trip yet. Choose from coveted hotels and convenient flights, then add car rental and must-do local experiences at the reimagined chasetravel.com .

Start planning

Best Chase credit cards of April 2024

If you’re looking for great cash-back rates and valuable transferable reward points, consider our top picks for the best Chase credit cards. Chase offers a wide selection of credit cards for all customers, whether you’re looking for the easiest cash-back option or a premium travel card. Chase also makes it easy to combine rewards across multiple accounts, so holding more than one Chase card can allow you to maximize your earning strategy — especially if you’re interested in maximizing Chase Ultimate Rewards points.

With so many card options available, you’re sure to find a Chase card that fits your wallet — so check out the list below of offers from our partners compiled by our team of travel experts. 

• Chase Sapphire Preferred® Card : Best for Best overall mid-tier card
• Ink Business Preferred® Credit Card : Best for business travelers
• Chase Sapphire Reserve® : Best for dining and travel insurance
• Southwest Rapid Rewards® Priority Credit Card : Best for frequent Southwest flyers
• Chase Freedom Flex℠ : Best for rotating bonus categories
• Southwest Rapid Rewards® Plus Credit Card : Best for a lower annual fee
• Ink Business Cash® Credit Card : Best for office supplies and technology services
• Ink Business Unlimited® Credit Card : Best for no annual fee business card

Browse by card categories

Comparing the best credit cards, more details on the best credit cards, maximizing chase credit cards, how we rate, what is chase, how to choose the best chase credit card, ask our experts, pros + cons of chase credit cards, frequently asked questions.

• No Annual Fee

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else. 

• Annual $50 hotel statement credit when booked through Ultimate Rewards
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
• The card comes with a $95 annual fee
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
• Access to the Chase Ultimate Rewards portal for points redemption
• Reasonable $95 annual fee; bonus categories that are most relevant to business owners
• Primary car insurance; and perks including cellphone and purchase protection
• Extended warranty
• Trip cancellation/interruption insurance; trip delay reimbursement
• High spending needed to get 100,000-point sign-up bonus
• No travel perks
• Subject to Chase's 5/24 rule on card applications
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve .

• Access to Chase Ultimate Rewards hotel and airline travel partners
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Chase Travel℠ portal, 5 points per dollar on flights booked through the portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel℠
• $300 Annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
• Steep initial $550 annual fee
• May not make sense for people that don't travel frequently
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Southwest Rapid Rewards® Priority Credit Card

While other airlines’ top credit cards have annual fees toppling over $500 per year, the Southwest Rapid Rewards Priority Card comes with just a $149 annual per year. If Southwest is your airline of choice, you’ll receive a number of perks every year: a $75 Southwest travel credit and 7,500 points on your cardmember anniversary. These benefits alone make up the annual fee for frequent Southwest flyers. For every $10,000 spent on this card, you’ll earn 1,500 Tier Qualifying Points, fast-tracking your way to A-List Status. Read our full review of the  Southwest Rapid Rewards Priority Card .

• Travel and purchase protections through Chase.
• $75 annual Southwest travel credit.
• 7,500 points on each cardmember anniversary.
• 20% inflight discount on food, drinks and WiFi.
• Ability to earn A-List status faster by spending on this card
• $149 annual fee.
• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.

Chase Freedom Flex℠

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full  review of the Chase Freedom Flex .

• The generous sign-up bonus is impressive for a no annual fee card.
• The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
• Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
• You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases.
• This card charges foreign transaction fees so it's best to use it within the U.S.
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Southwest Rapid Rewards® Plus Credit Card

The Southwest Plus credit card is a great starter card for those who are loyal to the carrier. Read our full review of the Southwest Rapid Rewards Plus Credit Card .

• Earn 3,000 points each year after your cardmember anniversary
• Extended warranty and purchase protection
• Secondary car rental insurance and collision damage waiver.
• Baggage delay insurance
• Up to $3,000 in reimbursement for lost luggage
• Roadside dispatch
• Travel accident insurance via Visa Signature
• $69 annual fee
• 3% foreign transaction fee
• Flight redemption limited to U.S., Caribbean and Central American destinations
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Ink Business Cash® Credit Card

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. On top of that, the Ink Business Cash card also offers automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of growing businesses. Read our full review of the Chase Ink Business Cash card .

• The current sign-up bonus on this card is an impressive up to $750.
• There is no annual fee which is perfect for small business owners.
• You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
• 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Ink Business Unlimited® Credit Card

The Ink Business Unlimited’s sign-up gives you a generous $750 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card .

• No annual fee
• Flat 1.5% cash back on all purchases
• Primary insurance for car rentals
• 0% introductory APR for the first 12 months on purchases (then a variable APR of 18.49% - 24.49% applies)
• Higher spend to receive sign-up bonus
• No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
• No travel protections
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

The Chase Sapphire Preferred is one of the best travel rewards credit cards available. It offers comprehensive travel protection plus elevated rewards on travel and dining purchases while maintaining a reasonable $95 annual fee. 

New travel credit card users who are looking to earn transferable rewards without committing to a high annual fee would be a great fit for the Chase Sapphire Preferred.

“The Chase Sapphire Preferred has been in my wallet for 5-plus years and is the go-to midlevel rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rates on dining and travel as well as streaming services makes it a good choice for a millennial like me. Finally, I like using this card when renting cars, as it provides primary rental car insurance and a little more peace of mind.” —  Matt Moffitt , senior credit cards editor

Transferable points are often considered the golden currency in the travel reward world, but if you find that you prefer American Express travel partners, the American Express® Green Card offers a comparatively low annual fee while still allowing you to earn on travel, restaurants and more.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

You get tons of perks for a $95 annual fee. Instead of having to spend $15,000 to qualify for the 100,000 bonus points offer, new cardholders can qualify for the bonus points by spending $8,000 within the first three months of account opening.

Although this is primarily a business card, it’s also a great travel card as well. Frequent flyers who book trips through Chase’s Ultimate Rewards can maximize the value of their earned points when booking travel through the Ultimate Rewards portal. The best part? The cash back you earn doesn’t expire as long as your account remains open.

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

The Chase Ink Business Cash® Credit Card is a good option if you want to avoid paying an annual fee and want to earn 5% cash back on the first $25,000 you spend at office supply stores, on internet, cable and your phone bill, 2% cash back on the first $25,000 you spend at gas stations and restaurants plus an unlimited 1% cash back on every other purchase you make.

The Chase Sapphire Reserve is a premium travel card with matching benefits. The card offers an elevated earning rate on many bonus categories, includes premium lounge access and features a  $300 annual travel credit . For just about any traveler, the Chase Sapphire Reserve is a solid pick.

Frequent flyers will find the Chase Sapphire Reserve to be a great addition to their wallet, thanks to its travel perks and benefits. 

“The Chase Sapphire Reserve is a no-brainer for me. My top two spending categories are travel and dining, and this card lets me earn 3 points per dollar in both of these categories. Then, I can transfer these points to one of Chase’s 14 travel partners or redeem them for a generous 1.5 cents apiece through the Chase travel portal or Pay Yourself Back program. The card has a high annual fee, but I don't mind paying it thanks to perks like a $300 travel credit, Priority Pass lounge access and impressive travel protections.” —  Benji Stawski , former senior reporter

If you’re looking for a more luxury-focused travel card, consider The Platinum Card® from American Express instead. The Amex Platinum comes with more benefits, travel credits and lounge access — as well as a higher annual fee of $695 (see rates and fees ). 

The Southwest Priority card is a great card for Southwest loyalists who can maximize the card’s perks and benefits. Some notable features include an annual bonus of 7,500 Rapid Rewards points (valued at $113, according to TPG’s valuations ), a $75 annual Southwest travel credit and four upgraded boardings per year. 

Southwest loyalists can easily justify the Priority’s annual fee with the anniversary point bonus, travel credit and other perks. 

Any Southwest loyalist should add the Priority card to their travel wallet, as the perks and benefits easily pay for the annual fee every year. 

If you still want a Southwest card but find that you don’t need all of the perks on the Priority, consider the Southwest Rapid Rewards® Premier Credit Card , which offers similar perks with a lower fee. 

The information for the Southwest Rapid Rewards Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Chase Freedom Flex makes cash-back earning easier than ever. You can earn elevated cash back on dining and travel, but every quarter, the Freedom Flex also earns 5% back on up to $1,500 in combined purchases at a rotating selection of merchants (after activation). 

The Chase Freedom Flex is a great addition to any beginner’s wallet since it has no annual fee and offers a large spectrum of elevated cash-back categories.  

“I love when a cash-back card is more than a cash-back card, and that's definitely the case with the Chase Freedom Flex. I can effectively convert the cash-back rewards on this card into fully transferable Ultimate Rewards points, since I also have the Chase Sapphire Reserve — opening up fantastic redemptions like luxury World of Hyatt properties and top-notch premium airplane cabins.” —  Nick Ewen , director of content 

If you know your spending habits do not align with the quarterly bonus categories offered by the Chase Freedom Flex, consider the Chase Freedom Unlimited® instead. You will still earn the same elevated rate on travel and dining but you get 1.5% cash back on all other purchases instead of 1%. 

The Southwest Rapid Rewards Plus credit card is a great starter card for Southwest travelers thanks to its low annual fee. In addition to earning bonus points on Southwest purchases, the card comes with two EarlyBird check-ins annually and bonus points for each account anniversary.

If you’re a casual Southwest flyer (at least once a year), you’ll likely benefit from the perks on the Southwest Rapid Rewards Plus card. 

For beginner travelers who occasionally fly Southwest, adding the Southwest Plus card can be a great way to expand your travel card collection. 

If you’re looking for more benefits from your Southwest credit card, consider the Southwest Rapid Rewards® Premier Credit Card which features a higher annual bonus upon card renewal and additional benefits when flying the carrier. 

The Ink Business Cash offers a great introductory offer, no annual fee and multiple elevated reward rates. In addition, you can increase the value of your rewards by transferring rewards to an eligible Chase card that earns Ultimate Rewards points.

New business owners who are looking to separate their business and personal expenses while earning rewards on a card with no annual fee should consider the Ink Business Cash card. 

The Ink Business Cash card offers elevated cash-back rates on regular business categories and a solid sign-up offer, all with no annual fee. When combined with a higher-end Ultimate Rewards card, the Ink Business Cash is a no-brainer for any small-business owner looking to maximize their rewards earning.

If you’re looking for a no-annual-fee business card but have varied spending habits, consider the Ink Business Unlimited® Credit Card . That card earns an unlimited 1.5% cash back on all spending and features a similar introductory bonus.

There is no easier cash-back business card than the Ink Business Unlimited, as you’ll earn 1.5% back on all purchases. In addition, it features a generous introductory annual percentage rate period and primary insurance on business-related car rentals — all for no annual fee. 

Small-business owners who want a simple business card will benefit from the Ink Business Unlimited’s flat reward rate.

“I have the Chase Ink Business trilogy — the Ink Business Cash Credit Card, Ink Business Preferred Credit Card and Ink Business Unlimited cards. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earning rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt , senior credit cards editor

If your business has more specialized purchases that align with the Ink Business Cash® Credit Card , it can be a better fit, as the bonus categories have higher earning rates than the Ink Business Unlimited’s flat 1.5%. 

Decide the type of rewards you want to earn

Chase offers a wide range of credit cards — including ones that earn the issuer’s own Ultimate Rewards points as well as cobranded products with partners like United and Marriott . You could even opt for a top cash-back card if you don’t want to mess with travel rewards. Before you apply for a Chase credit card, consider what type of rewards are most useful for you. Many travelers will benefit from the flexibility of Chase Ultimate Rewards, though everyone’s situation is different.

Earn the welcome bonus

Once you’ve pulled the trigger on applying for a new card, it’s critical to ensure you hit the minimum spending requirements to earn the welcome bonus. Most Chase credit cards give you at least three months to do so, but it’s critical to plan your spending accordingly. In some cases, the bonus can get you over $1,000 worth of rewards, so missing out on it can be a major setback for your travel planning.

Add new cards to maximize your earning potential

Getting a top Chase credit card can unlock valuable rewards, but if you really want to take your card strategy to the next level, consider adding more than one to your wallet. While managing multiple credit cards takes added effort, it can also expand the number of points or miles you can take home. You can use one card to earn bonus points on travel and dining, for example, and then another card can give you extra rewards at drugstores. In fact, Chase cards feature prominently in our guide to the best credit card pairings .

Chase, also known as JPMorgan Chase Bank, is a large American national bank. It offers a large variety of banking and investment products for both consumers and small businesses — including a wide range of credit cards. 

Types of Chase credit cards

Chase offers a large selection of credit card products. Some notable types are defined below.

Travel credit cards are typically tailored to travelers, offering more rewards on travel purchases and providing additional protection and value-added perks. For example, the Chase Sapphire Reserve® offers an annual $300 travel credit, which can help lower the out-of-pocket cost of your trips. In addition, it offers extensive travel protection when things go wrong, along with lounge access — both perks that can make your next trip a simpler process. 

Cash-back credit cards earn a percentage of cash back on each purchase you make. Some — like the Ink Business Unlimited® Credit Card — offer a simple, flat cash-back rate on all purchases. This could be a great fit for someone who is looking for a straightforward earning structure without needing to worry about maximizing bonus categories.

Other cards — like the Chase Freedom Flex℠ — feature bonus categories which help those who have more tailored spending habits get the most return on their spending.

But the best part about Chase is that you can effectively convert your cash-back rewards into fully transferable (and more flexible) Ultimate Rewards points, simply by having a higher-end Chase card.

A “starter” credit card typically refers to a simple product that’s relatively easy to get. Generally these don’t impose an annual fee, and they offer basic cash back so as not to overwhelm a new entrant into the world of credit cards.

One such card would be the Chase Freedom Unlimited®, as it earns an unlimited 1.5% back on all purchases plus an elevated rate on travel and dining, two big expense categories for many people. With no annual fee, even the newest credit card user can find many benefits with the Freedom Unlimited. 

Business credit cards typically offer business-focused perks and elevated earning rates on business spending. These cards are a great way to keep your business expenses separated from your personal expenses and earn on what you are already spending. Chase offers multiple business products under the Ink family of credit cards .

Business owners will have to look over their spending and see which card will help them earn the most on their current expenses.

Finally, cobranded credit cards are issued by a bank in partnership with another organization. The cards typically feature brand-specific rewards and benefits, most frequently with travel companies. For example, Chase issues cobranded cards with United Airlines, Southwest Airlines and the World of Hyatt loyalty program.

However, it can also partner with a lifestyle brand — as it’s done with the Instacart Mastercard®  and DoorDash Rewards Mastercard® .

How to apply for a Chase credit card

You can apply for a Chase credit card online, by mail or in person at a Chase bank. You'll need some basic information like your social security number and gross annual income. Here's what else you should know before you submit an application.

The Chase 5/24 rule is infamous in the credit card world. While Chase has never publicly published this policy, data has proven that it almost always applies.

In short, Chase will not approve new applicants who have opened five or more personal credit cards within the last 24 months. This applies to all bank cards, not just Chase cards. You generally have to be under this number to be approved for a new Chase credit card. You can learn more with our full guide to the Chase 5/24 rule .

Chase's 48-month rule states that you're ineligible to earn a bonus on a Chase card if you're a current cardholder of that specific card or if you have already earned a sign-up bonus on a specific card you've had within the last 48 months.

Chase credit card benefits

Chase credit cards come with many benefits and perks. Some notable benefits are highlighted below.

Many Chase cards fit into the Ultimate Rewards ecosystem . However, only three that are available to new applicants earn Ultimate Rewards points: the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card. These Ultimate Rewards points can be transferred to a number of airline and hotel partners but can also be used to book travel directly, making them incredibly valuable when it comes to redemption.

Luckily, if you have one of these products, you can combine your cash-back rewards with your Ultimate Rewards points in a single account — allowing you to maximize your earning. 

Chase is known for some of the best welcome bonuses in the card industry. You can see the current welcome bonus on the card tiles above — and you can refer to our guide with historical offers to see how the current ones measure up.

Travel and shopping protections can be some of the most underrated perks offered by credit card companies. You hope you won’t need to use them, but they can save the day when things go wrong.

One of Chase’s most notable benefits is primary rental car coverage, available on many popular products like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. When you charge a rental car to an eligible card, you’re covered for theft, loss or damage to the vehicle, without needing to invoke your personal insurance. 

Related: Best credit cards with travel insurance

One of the most notable features of Chase cards is their pairability, thus maximizing the reward potential for your wallet. It is worth considering adding multiple Chase cards to your wallet to get the best return on your spending.

There are multiple strategies for pairing Chase cards, but one of the most popular is commonly known as the Chase Trifecta — the Chase Sapphire Reserve®, Ink Business Preferred® Credit Card and Chase Freedom Unlimited®. However, the best combination of cards should be tailored to your spending and specific reward needs.

That being said, you’ll almost certainly want to feature the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred in your strategy to ensure you’re earning fully transferable Ultimate Rewards points. Then, select the cash-back Chase cards that best match your spending habits.

Related: How (and why) to combine your Chase Ultimate Rewards points into a single account

Redeeming your Chase Ultimate Rewards

Chase Ultimate Rewards points are among the most valuable transferable rewards currencies out there. TPG values Ultimate Rewards points at 2 cents each, but you have the potential to redeem them at a higher rate for the right travel redemption. 

In many cases, the best way to use your Chase Ultimate Rewards points is by transferring them to Chase’s travel partners . Popular programs that can unlock luxury travel experiences include World of Hyatt, Air Canada Aeroplan and United MileagePlus. However, if you don’t want to mess with another loyalty program, using your Ultimate Rewards points directly with Chase Travel can still offer a solid value .

For an in-depth look at how to maximize your Chase Ultimate Rewards points, check out our complete guide . 

• 1 Sign-up bonus Choose a card that aligns with your financial goals — if you’re saving for a big vacation, applying for a card with a generous sign-up bonus may help cover some of the travel costs for that trip.
• 2 Annual fee Whether your preference is a card with no annual fee or a premium card with a high annual fee, choose the one that best fits your lifestyle.
• 3 Bonus categories Choose the card that earns rewards in your most frequently used bonus categories like groceries, gas and streaming subscriptions.

What's your favorite Chase card — and why?

• Using Chase credit cards responsibly can help you build your credit score.
• Chase credit cards can earn points, miles or cash back on every dollar you spend.
• Some Chase credit cards provide purchase, theft and fraud protection.
• Select Chase credit cards provide perks like travel insurance, lounge access and more.
• Chase credit cards can encourage overspending.
• Carrying a balance and using your Chase card irresponsibly can damage your credit score.
• The cost of borrowing on Chase credit cards is higher than traditional loans.
• Having too many card applications can negatively affect your credit score.
• Chase has some of the most stringent application restrictions of any issuer.

There’s no single Chase credit card that’s best for everyone. Instead, it will depend on your spending habits and what rewards you are looking for. Luckily, Chase cards are easy to pair and maximize, so you can consider adding multiple cards to your wallet.

To apply for any Chase card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen instructions to complete (and submit) your application.

Chase doesn’t have an official limit on the number of Chase cards one person can have. In fact, many TPG staffers have had several Chase credit cards at the same time. However, Chase does limit the amount of total credit it will extend to you. It also has the 5/24 rule (more on that below). Finally, as a general rule of thumb, you can only be approved for one personal card and one business card within 90 days — but even that’s not a hard-and-fast rule.

There are also different application rules for specific Chase cards. You can only hold one Sapphire card at a time. You can only have a single personal Southwest credit card; however, you can hold both a Southwest business card and personal card, which is a great way to earn the Southwest Companion Pass.

For more details on Chase’s application rules, read our guide to credit card application restrictions .

That being said, having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

To cancel a Chase credit card, you’ll need to call the number on the back of your card. A phone agent can help you complete the cancellation process. However, be sure to use (or transfer) all of your rewards first, since you may forfeit them after canceling (or shortly thereafter). Pay off any outstanding balances, and be sure to update your account with any merchants that automatically bill the card you’re closing.

Just note that canceling a credit card should not be taken lightly, as it can affect your credit score. You can check out our guide to how to cancel a credit card to help you determine if you should go this route.

Chase does not publish an official score for approval, but our data suggests that a score of at least 670 will increase your chances of getting approved. In addition, rewards credit cards generally require a higher credit score for approval, typically 720-plus.

Having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

Related: How to check your credit score for absolutely free

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Does My Chase Credit Card Have Travel Insurance?

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Table of Contents

Chase credit cards with travel insurance

How it works, terms and conditions, how to make a claim with chase, when to consider adding additional insurance to your trip, if you want to use chase credit card travel insurance.

Chase is a major issuer within the U.S. credit card market — and with good reason. Whether you're looking for a card co-branded with a preferred hotel or airline or one that earns Ultimate Rewards® , Chase has various options. However, if you already have one of these cards, you may be wondering: "Does my Chase credit card have travel insurance?"

The happy answer is yes. Most Chase cards do offer some form of travel insurance . However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

Nearly all of Chase's credit cards offer some form of travel insurance. For example, some provide rental car insurance, while others offer a span of travel insurance benefits, sometimes with multiple protections like those we detailed above.

Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance:

Aer Lingus Visa Signature® Card .

Aeroplan® Credit Card .

Prime Visa .

British Airways Visa Signature® Card .

Chase Freedom Flex℠ .

Chase Freedom Unlimited® .

Chase Freedom® Student credit card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Chase Slate Edge℠ .

Iberia Visa Signature® Card .

IHG One Rewards Premier Credit Card .

IHG One Rewards Premier Business Credit Card .

IHG One Rewards Traveler Credit Card .

Ink Business Cash® Credit Card .

Ink Business Plus® Credit Card.

Ink Business Preferred® Credit Card .

Ink Business Unlimited® Credit Card .

Marriott Bonvoy Bold® Credit Card .

Marriott Bonvoy Boundless® Credit Card .

Southwest® Rapid Rewards® Performance Business Credit Card .

Southwest Rapid Rewards® Plus Credit Card .

Southwest® Rapid Rewards® Premier Business Credit Card .

Southwest Rapid Rewards® Premier Credit Card .

Southwest Rapid Rewards® Priority Credit Card .

Starbucks® Rewards Visa® Card .

World of Hyatt Credit Card .

World of Hyatt Business Credit Card .

United Club℠ Business Card .

United Club℠ Infinite Card .

United℠ Business Card .

United℠ Explorer Card .

United Gateway℠ Card .

United Quest℠ Card .

» Learn more: The best travel credit cards right now

Chase's credit card travel insurance applies to any trips booked with your eligible card. There are several different types of travel insurance that Chase offers:

Trip delay insurance .

Trip cancellation insurance .

Trip interruption insurance .

Baggage insurance .

Rental car insurance .

Travel accident insurance.

Emergency medical and dental.

Emergency evacuation and transportation .

If you're already feeling overwhelmed by this new jargon, take a peek at our Beginner's Guide to Travel Insurance .

This credit card-provided insurance may either be secondary to your existing insurance — which means it will only kick in after any insurance policy you already have is exhausted — or primary, which you can claim before relying on other policies. But, again, the type of insurance you receive and the level of coverage will depend on your particular Chase card.

Chase's secondary credit card travel insurance will become primary if you don't have a separate travel insurance policy (beyond booking travel with your card).

» Learn more: Best credit cards for travel insurance benefits

Your total coverage amount will vary based on your card; more premium cards, such as the Chase Sapphire Reserve® , will provide superior coverage compared to others.

» Learn more: The NerdWallet guide to the Chase Sapphire Reserve® 's travel insurance benefits

To be able to claim any travel insurance, you'll need to have paid using your eligible Chase card. In addition, your specific event will also need to be covered — you'll find the full details of what is covered within the benefits guide for your card.

If you're booking award travel, the taxes and fees you pay with your card will still qualify you for travel insurance.

For example, in order to receive a reimbursement using trip delay insurance on your Chase Sapphire Preferred® Card , your trip must have been delayed by one of these causes: Equipment failure, inclement weather , strike or hijacking/skyjacking.

If you need to use your travel insurance, you'll need to file a claim with Chase. You can do so by using Chase's online Eclaim center or by emailing [email protected] . You can also call, but the contact number for claims varies by card — check out your guide to card benefits for details.

The documentation you'll need will depend on the type of claim and can similarly be found within your guide to card benefits. Moreover, the time you have to file a claim varies by the type of claim you're making but can typically be around 90 days. Therefore, the sooner you start the process, the better to ensure you're within the time frame.

For example, here's the paperwork you'll need to turn in when filing for reimbursement for reasonable expenses incurred during a covered trip delay:

All payment methods used to purchase the airfare (if you've also used points, vouchers, etc.).

Charge receipt showing the airfare transaction was made on your account.

Receipts for your claimed delay expenses.

Copy of the settlement from the carrier and any other reimbursements made to you.

Your original itinerary.

A statement from the carrier indicating why you were delayed.

Although Chase provides pretty decent travel insurance for trips overall, in some cases, you may want to consider adding additional travel insurance by purchasing a separate plan . This is particularly relevant in the current travel climate and may be required depending on your destination.

For instance, although the Chase Sapphire Reserve® will cover losses due to trip cancellation in the event that you have a physician-ordered quarantine, its medical coverage overall is relatively low.

The emergency medical benefit offered by this card caps out at just $2,500 while traveling — and will only cover recovery in a hotel if you've been released from the hospital and your attending physician determines that it's necessary. Nonetheless, you'll only be reimbursed up to $75 per day for five days. After that, you're on your own.

In this case, adding additional insurance for medical expenses , including hospital treatment and extensive quarantine , would be a good idea.

» Learn more: Airline travel insurance vs. independent travel insurance

Nearly all of Chase's credit cards offer varying levels of travel insurance, including its no-fee options. However, you'll want to be aware of limitations before relying on these for your trip.

In many cases, Chase's travel insurance will be a frontline answer to your issues — just make sure to double-check your coverage before travel. And under certain circumstances, you may want to consider adding additional insurance before you set out on your trip for peace of mind.

The information related to the Ink Business Plus® credit card and United Club℠ Business Card (annual fee: $450 ) has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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Do i need to notify a credit card company when traveling.

If you have planned travel coming up, alerting your credit card issuers about your vacation plans can help to ensure that your charges aren't declined when you arrive. Here's how you can prepare yourself and your credit card for your next trip.

What is a credit card travel notice?

A travel notice is an alert to your credit card issuer that you'll be going on a trip to a different location. By giving this notice in advance, you're letting your credit card company know that you may be making charges from a different state or country.

Why should you notify your credit card company  of travel?

Credit card companies check cardholders' accounts for any unusual or suspicious activity when a transaction occurs. If your company sees a charge from a location away from home, your issuer may think this is suspicious activity and decline the charge. If you're visiting a country or location where fraudulent charges occur more often, the chances of your credit card getting declined are higher when you don't alert your credit card issuer about your travel.

Do you need to notify your credit card  company?

You're not required to notify your credit card company when you're going away on vacation, but it is highly recommended. By letting your credit card company know where you're going and for how long, your company will know that any card transactions from that location were likely authorized by you. Check with your credit card issuer to see if they have travel notification capabilities.

Traveling outside your city

If you're traveling to an area not far from home, it's unlikely that any credit card charges will be declined, so setting a travel notification may not be a necessity.

Traveling outside your state

As you travel further from home, the chance of charges being declined is higher. If you're visiting another state, you can notify your credit card company that you're going away to avoid any hassles as you travel.

Traveling outside your country

You should definitely consider filing a travel notice for every trip outside your country. If you don't file a travel alert with your card issuer, your credit card may get declined and you might need to contact your credit card company to approve your transactions. If you're in a different country you may have trouble with making an international call, an inconvenience that can prevent you from authorizing your charge and enjoying your trip.

Which credit cards require a travel notice?

Not all credit card companies recommend that you set a travel notice before you go away, including those with EMV chips that may provide added security when you travel. If your credit card doesn't have an EMV chip, you should contact your bank before you leave to make sure your trip goes smoothly.

Multiple credit cards

If you own multiple credit cards, you should set travel notifications for each of the cards you plan to use on vacation. Even if you plan to use one of the cards only in case of emergency, set a travel alert for it just in case.

Risks of not filing a credit card travel notice

If you don't give your credit card issuer a travel notice, the company won't know that you'll be making purchases in a new location. If the company starts to see charges on your credit card from a different state or country, it may flag these transactions as fraud. The credit card issuer may then put your account on hold and prevent you from making any purchases until you can authorize the charges.

Once a credit card is declined, the cardholder has to call the issuer or provide an app verification in order to prove that the purchase made was authorized. You may have difficulties contacting your bank for various reasons, such as if your vacation spot has bad cell service or if you didn't set up international calling for your phone plan. Notifying your credit card company before you leave on vacation will help you avoid this hassle.

How to notify your credit card company of travel

You can notify your credit card issuer about your vacation over the phone, online, through a mobile app or in person. You can also contact your credit card issuer to get a better understanding of how to set a travel notice.

Setting your travel notice online or through a mobile app

Setting your travel notification online or through an app can be easier than speaking with customer service, depending on your preferences. Log into your account on your credit card company's website or app and search for “travel notice" options. If you're unable to find where to set your travel notice, get in contact with your credit card issuer.

Setting your travel notice over the phone or in-person

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system. If you have any questions or concerns about your travel notice, calling your credit card company is a good method to set the notification.

If you want to set your travel notice in person, go to your nearest branch to meet with a representative. Meeting face-to-face gives you the chance to ask any questions you might have.

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Visa Credit Cards

Choose the best Visa credit card for you whether you're looking for travel rewards, a card for your small business or are a student building credit. Compare card benefits and offers to get the information you need to apply for a Visa credit card now.

Slate Edge ® credit card . Links to product page.

Slate Edge ® credit card card reviews Opens overlay

New cardmember offer.

Save on interest with a low intro APR for 18 months Enjoy a low intro APR on purchases and balance transfers for 18 months from account opening. † Opens pricing and terms in new window

AT A GLANCE

Lower your interest rate by 2% each year. Get an automatic review for a higher credit limit when you pay on time and spend $500 in your first six months.

0% intro APR for 18 months from account opening on purchases and balance transfers. † Opens pricing and terms in new window After the intro period, a variable APR of 20.49 Min. of (8.50+11.99) and 29.99 %– 29.24 Min. of (8.50+20.74) and 29.99 %. † Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.

$0. † Opens pricing and terms in new window

Chase Freedom Unlimited ® credit card . Links to product page.

Chase Freedom Unlimited ® credit card card reviews (10,034 cardmember reviews) Opens overlay

Earn a $200 bonus Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Earn cash back for every purchase. Earn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase Travel SM .

0% intro APR for 15 months from account opening on purchases and balance transfers. † Opens pricing and terms in new window --> † Opens pricing and terms in new window --> After the intro period, a variable APR of 20.49 Min. of (8.50+11.99) and 29.99 %– 29.24 Min. of (8.50+20.74) and 29.99 %. † Opens pricing and terms in new window --> † Opens pricing and terms in new window --> Balance transfer fee applies, see pricing and terms for more details. † Opens pricing and terms in new window --> † Opens pricing and terms in new window -->

$0 † Opens pricing and terms in new window --> † Opens pricing and terms in new window -->

Chase Freedom Rise SM Credit Card . Links to product page.

Chase Freedom Rise SM Credit Card card reviews Opens overlay

Cardmember rewards.

Start building credit while earning 1.5% cash back on all purchases.

Best for: New to Credit and Students Increase your chances of getting approved for Chase Freedom Rise SM by having at least $250 in any Chase checking or savings account before applying.

26.99 Min. of (8.50+18.49) and 29.99 % variable APR. † Opens pricing and terms in new window

$0 † Opens pricing and terms in new window

Chase Sapphire Preferred ® credit card . Links to product page.

Chase Sapphire Preferred ® credit card card reviews (7,829 cardmember reviews) Opens overlay

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Travel SM .

Premium dining & travel rewards Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. Earn 3x points on dining at restaurants including eligible delivery services, takeout and dining out. Earn 2x on other travel purchases.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

Chase Sapphire Reserve ® Credit Card . Links to product page.

Chase Sapphire Reserve ® Credit Card card reviews (4,642 cardmember reviews) Opens overlay

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel SM .

Earn 5x total points on flights and 10x total points on hotels (excluding The Edit℠) and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.

22.49 Min. of (8.50+13.99) and 29.99 %– 29.49 Min. of (8.50+20.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$550 annual fee † Opens pricing and terms in new window ; $75 for each authorized user † Opens pricing and terms in new window

Southwest Rapid Rewards ® Priority Credit Card . Links to product page.

Southwest Rapid Rewards ® Priority Credit Card card reviews Opens overlay

Earn 50,000 points after qualifying purchases.

Receive a $75 annual Southwest ® travel credit and 7,500 anniversary points each year. Plus, earn 3X points on Southwest purchases.

$149 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Plus Credit Card . Links to product page.

Southwest Rapid Rewards ® Plus Credit Card card reviews (2,559 cardmember reviews) Opens overlay

3,000 anniversary points each year. Plus, earn 2X points on Southwest ® purchases and 1X points on all other purchases.

$69 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Premier Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Credit Card card reviews (3,823 cardmember reviews) Opens overlay

6,000 anniversary points each year. Plus, earn 3X points on Southwest ® purchases and 1X points on all other purchases.

$99 applied to first billing statement. † Opens pricing and terms in new window

United Club SM Infinite Card . Links to product page.

United Club SM Infinite Card card reviews Opens overlay

Earn 80,000 bonus miles after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 4x miles on United purchases, and 2x miles on dining and all other travel. Terms apply.

21.99 Min. of (8.50+13.49) and 29.99 %– 28.99 Min. of (8.50+20.49) and 29.99 % variable APR. † Opens pricing and terms in new window

$525 † Opens pricing and terms in new window

United Gateway SM Credit Card . Links to product page.

United Gateway SM Credit Card card reviews Opens overlay

Earn 20,000 bonus miles after qualifying purchases.

Start your adventure with 2x miles on United purchases, at gas stations and on local transit and commuting. Plus, 25% back on United inflight and Club premium drink purchases, and no foreign transaction fees. † Opens pricing and terms in new window

0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After the intro period, a variable APR of 21.99 Min. of (8.50+13.49) and 29.99 %– 28.99 Min. of (8.50+20.49) and 29.99 %, † Opens pricing and terms in new window see pricing and terms for more details. † Opens pricing and terms in new window

United Quest SM Card . Links to product page.

United Quest SM Card card reviews Opens overlay

Earn 60,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying purchases.

Pursue your quest SM . Enjoy a $125 annual United purchase credit, two free checked bags, priority boarding and other premium travel benefits. Plus, earn 3x miles on United purchases and 2x miles on all other travel. Terms apply.

$250 † Opens pricing and terms in new window

United SM Explorer Card . Links to product page.

United SM Explorer Card card reviews Opens overlay

Earn 50,000 bonus miles after qualifying purchases.

Join Us with 2x miles on United purchases, dining, and hotel stays. Plus, enjoy a free first checked bag, priority boarding and other great United travel benefits. Terms apply.

$0 intro annual fee for the first year, then $95. † Opens pricing and terms in new window

British Airways Visa Signature ® card . Links to product page.

British Airways Visa Signature ® card card reviews Opens overlay

Earn 75,000 Bonus Avios Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening or up to $10k. These category purchases normally earn 1 Avios. Earn 3 Avios for every $1 spent on British Airways, Aer Lingus and Iberia purchases, and earn 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel.

Aer Lingus Visa Signature ® card . Links to product page.

Aer Lingus Visa Signature ® card card reviews Opens overlay

Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening or up to $10k. Normally, these category purchases earn 1 Avios. Earn 3 Avios for every $1 spent on Aer Lingus, British Airways, and Iberia purchases, and 2 Avios for every $1 spent on hotel accommodations.

Iberia Visa Signature ® card . Links to product page.

Iberia Visa Signature ® card card reviews Opens overlay

Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening or up to $10k. These category purchases normally earn 1 Avios. Earn 3 Avios for every $1 spent on Iberia, Aer Lingus, and British Airways purchases, and 2 Avios for every $1 spent on hotel accommodations.

Marriott Bonvoy Boundless ® credit card . Links to product page.

Marriott Bonvoy Boundless ® credit card card reviews Opens overlay

3 Free Night Awards Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 17X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

$95. † Opens pricing and terms in new window

Marriott Bonvoy Bountiful ™ credit card . Links to product page.

Marriott Bonvoy Bountiful ™ credit card card reviews Opens overlay

85,000 Bonus Points Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 18.5X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

Marriott Bonvoy Bold ® credit card . Links to product page.

Marriott Bonvoy Bold ® credit card card reviews Opens overlay

Earn 1 Free Night Award (valued up to 50,000 points) after you spend $1,000 on purchases in your first 3 months from account opening. Certain hotels have resort fees.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

World of Hyatt Credit Card . Links to product page.

World of Hyatt Credit Card card reviews Opens overlay

Earn up to 60,000 Bonus Points after qualifying purchases.

Turn your purchases into more free nights at Hyatt with 9X total points per $1 spent at Hyatt hotels & resorts. Plus, get 1 free night and 5 tier qualifying night credits toward status each year.

Disney ® Premier Visa ® Card . Links to product page.

Disney ® Premier Visa ® Card card reviews Opens overlay

Disney Card Designs

$300 $400 not $300 $400 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.

Dream bigger with the Disney Premier Visa Card from Chase. Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% on select card purchases and 1% on all other card purchases. Redeem toward most anything Disney at most Disney U.S. locations and for a statement credit toward airline purchases. Enjoy special Disney vacation financing and Disney shopping savings. Terms apply.

19.24 Min. of (8.50+10.74) and 29.99 %‐ 28.24 Min. of (8.50+19.74) and 29.99 % variable APR. † Opens pricing and terms in new window 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24 Min. of (8.50+10.74) and 29.99 %‐ 28.24 Min. of (8.50+19.74) and 29.99 %. † Opens pricing and terms in new window

$49 † Opens pricing and terms in new window

Disney ® Visa ® Card . Links to product page.

Disney ® Visa ® Card card reviews Opens overlay

$150 $250 not $150 $250 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.

Reward yourself with the Disney Visa Card from Chase. Earn 1% in Disney Rewards Dollars on all card purchases. Redeem toward most anything Disney at most Disney locations in the U.S. Enjoy special Disney vacation financing and Disney shopping savings. Terms apply.

19.24 Min. of (8.50+10.74) and 29.99 %– 28.24 Min. of (8.50+19.74) and 29.99 % variable APR. † Opens pricing and terms in new window 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24 Min. of (8.50+10.74) and 29.99 %– 28.24 Min. of (8.50+19.74) and 29.99 %. † Opens pricing and terms in new window

Prime Visa . Links to product page.

Prime Visa card reviews Opens overlay

$100 Amazon Gift Card Prime members, get a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.

Rewards everywhere you shop with no annual credit card fee † Opens pricing and terms in new window Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases.

19.49 Min. of (8.50+10.99) and 29.99 %– 27.49 Min. of (8.50+18.99) and 29.99 % variable APR † Opens pricing and terms in new window

Amazon Visa . Links to product page.

Amazon Visa card reviews Opens overlay

$50 Amazon Gift Card Get a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.

Rewards everywhere you shop with no annual credit card fee † Opens pricing and terms in new window Earn unlimited 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases.

Ink Business Premier ® Credit Card . Links to product page.

Ink Business Premier ® Credit Card card reviews Opens overlay

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Pay in Full Card with Unlimited Earn Potential Earn 2.5% cash back on every purchase of $5,000 or more and 2% cash back on all other business purchases.

Flex for Business variable APR: 19.49 Min. of (8.50+10.99) and 29.99 %– 27.49 Min. of (8.50+18.99) and 29.99 %. † Opens pricing and terms in new window

$195 † Opens pricing and terms in new window

Ink Business Unlimited ® Credit Card . Links to product page.

Ink Business Unlimited ® Credit Card card reviews Opens overlay

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

Unlimited 1.5% cash back rewards on every purchase made for your business – with this no annual fee credit card.

0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After that, 18.49 Min. of (8.50+9.99) and 29.99 %– 24.49 Min. of (8.50+15.99) and 29.99 % variable APR. † Opens pricing and terms in new window

Ink Business Cash ® Credit Card . Links to product page.

Ink Business Cash ® Credit Card card reviews Opens overlay

Earn up to $750 bonus cash back Earn $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening. Earn a 10% Business Relationship Bonus

Earn 5% cash back in select business categories plus earn rewards on every purchase made for your business – with this no annual fee credit card

Ink Business Preferred ® Credit Card . Links to product page.

Ink Business Preferred ® Credit Card card reviews Opens overlay

100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Travel SM .

Reward your business with flexible and rich rewards. Earn 3X points on shipping and other select business categories.

21.24 Min. of (8.50+12.74) and 29.99 %– 26.24 Min. of (8.50+17.74) and 29.99 % variable APR. † Opens pricing and terms in new window

United Club SM Business Card . Links to product page.

United Club SM Business Card card reviews Opens overlay

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 2x miles on United purchases and 1.5x miles on all other purchases. Terms apply.

$450 † Opens pricing and terms in new window

United SM Business Card . Links to product page.

United SM Business Card card reviews Opens overlay

Earn 75,000 bonus miles after qualifying purchases.

Earn 2x miles on United purchases, dining, at gas stations, office supply stores and on local transit and commuting. Plus, enjoy a free first checked bag, priority boarding and other great United travel benefits. Terms apply.

$0 intro annual fee for the first year, then $99. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Performance Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Performance Business Credit Card card reviews Opens overlay

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 4X points on Southwest ® purchases and 2X points on purchases for your business in select categories. Plus, 9,000 anniversary bonus points each year.

$199 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Premier Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Business Credit Card card reviews Opens overlay

Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 3X points on Southwest ® purchases, 2X points on local transit and commuting, and 1X points on all other purchases. Plus, 6,000 anniversary points each year.

World of Hyatt Business Credit Card . Links to product page.

World of Hyatt Business Credit Card card reviews Opens overlay

Earn 60,000 Bonus Points after qualifying purchases.

Make the most of your small business spending with accelerated earning wherever you spend the most. Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.

$199 † Opens pricing and terms in new window

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• Credit Cards

Do You Need To Set Up a Travel Notice for Your Chase Credit Cards?

Katie Seemann

Senior Content Contributor and News Editor

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Director of Operations & Compliance

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Why Would You Want To Notify Chase of Your Travels?

Personal chase credit cards with no foreign transaction fees, business chase credit cards with no foreign transaction fees, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you aren’t a frequent traveler, you might be wondering about everything you need to do to prepare for a trip abroad. Of course, you’re considering what to pack and whether or not you should buy travel insurance , but what about your bank?

One of the things you might want to think about is adding a travel alert notification to your credit cards. While this isn’t required, it has historically been helpful to avoid the unnecessary hassle of credit card problems while traveling.

In this post, we’ll talk about setting up a travel notification on your Chase account , whether or not it’s even necessary, and how to avoid foreign transaction fees when using your Chase credit cards abroad.

So, why would you even want to add a travel notification to your accounts in the first place?

Previously, charges from outside the U.S. could trigger a fraud alert, which would temporarily shut down your credit card even if you were traveling abroad. That’s not a great way to start a vacation.

An easy way to avoid that risk was to place a simple travel notification on your Chase account. This allowed your Chase credit cards to be used outside the U.S. without problems.

Thankfully, it’s no longer necessary to set up a travel alert notification with Chase when you’re planning to travel outside the U.S.

Previously, you’d set up a travel alert on your Chase account online or through the Chase mobile app.

You would do this by going to your account, clicking on Profile & settings , navigating to Account Settings , and then clicking Travel .

Now, when you follow those same steps, you get a message from Chase saying that it’s not necessary to set up a travel alert notification anymore .

Setting up a travel alert notification on your Chase account is no longer necessary when you’re planning to travel outside the country.

How To Avoid Foreign Transaction Fees

While you no longer need to set up a travel alert for your Chase credit cards, choosing the right credit card is important to avoid foreign transaction fees.

Certain cards carry a 3% foreign transaction fee anytime you use them outside the U.S. The good news is plenty of cards waive this fee — just be sure to know which cards have no-additional fee and try to use only those on your trip.

Multiple Chase credit cards waive the standard 3% foreign transaction fee. Be sure to carry at least 1 of these while traveling abroad.

The following Chase credit cards do not have any foreign transaction fees :

• Aer Lingus Visa Signature ® Card
• Aeroplan ® Credit Card
• Amazon Rewards Visa Signature Card
• British Airways Visa Signature ®  Card
• Chase Sapphire Preferred ® Card
• Chase Sapphire Reserve ®
• Iberia Visa Signature ®  Card
• IHG One Rewards Premier Credit Card
• Instacart Mastercard ®
• Marriott Bonvoy Bold ® Credit Card
• Marriott Bonvoy Boundless ® Credit Card
• Marriott Bonvoy Bountiful™ Credit Card
• Prime Visa card
• Southwest Rapid Rewards ® Priority Credit Card
• Southwest Rapid Rewards ® Premier Credit Card
• The World of Hyatt Credit Card
• United Club℠ Infinite Card
• United℠ Explorer Card
• United Gateway℠ Card
• United Quest℠ Card
• IHG One Rewards Premier Business Credit Card
• Ink Business Preferred ® Credit Card
• Ink Business Premier ® Credit Card
• Southwest Rapid Rewards ® Performance Business Credit Card
• United℠ Business Card
• United Club℠ Business Card
• World of Hyatt Business Credit Card

Adding an alert to your Chase account before you travel internationally is no longer needed. While this used to be a way to let Chase know you would be out of the country so international activity on your card wouldn’t trigger a fraud alert, today’s more sophisticated technology makes this step unnecessary.

The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

How do i set up a travel alert with chase.

You don’t. Setting up a travel alert with Chase is no longer necessary.

Do I have to let Chase know that I am traveling?

No, letting Chase know when you travel internationally is no longer required. It used to be common practice to set up a travel alert so international charges didn’t trigger a fraud alert on your credit cards, but today’s more sophisticated systems have made this step unnecessary.

Does Chase no longer require travel notice?

That’s correct. Chase doesn’t require a travel notice at all anymore. The ability to set up a travel notice on Chase’s website has been removed.

Do I need to notify Chase of International travel?

No, it’s no longer necessary to notify Chase of any upcoming travel, including international travel. The ability to add a travel alert notification has even been removed from Chase’s website.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Here are the 3 best chase balance transfer credit cards of 2024, save money with these chase credit cards that offer 0% introductory aprs on balance transfers..

Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month . However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.

Chase is known for issuing some top travel credit cards , but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).

Best Chase balance transfer credit cards

• Best for long intro APR: Chase Slate Edge℠
• Best for cash back: Chase Freedom Unlimited®
• Best for rotating bonus categories: Chase Freedom Flex℠

Best for long intro APR

Chase slate edge℠, welcome offer.

Get an automatic review for a credit limit increase when you pay on time and spend $500 in your first six months.

0% for 18 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply. Information about the Chase Slate Edge℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• No annual fee
• Lower your interest rate by 2% each year: Automatically be considered for an APR reduction when you pay on time, and spend at least $1,000 on your card by your next account anniversary
• 3% foreign transaction fee
• No rewards program

Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.

Balance transfer offer : New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 20.49% to 29.24% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

[ Jump to more details ]

Best for cash back

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

[ Return to card summary ]

The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best Chase balance transfer credit cards.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

• How Quicken Simplifi can help you get a grip on your spending Elizabeth Gravier
• IRA vs CD — what's the difference and which one should you pick? Andreina Rodriguez
• AIG Travel Guard insurance review: What you need to know Ana Staples

U.S. Bank Altitude® Connect Visa Signature® Card 2024 Review

U.s. bank altitude® connect visa signature® card.

One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Connect Visa Signature Card and eligible Net Purchases totaling $2,000 or more are made to your Account within 120 days after Account opening.

For commuters and road trippers, the U.S. Bank Altitude Connect Visa Signature Card puts the pedal down on earnings at a rate of 4X points on gas station and electric vehicle (EV) charging station purchases.

Expert Take: If gas is one of your biggest expenses each month, you’ll want to take a serious look at the U.S. Bank Altitude Connect Visa Signature, which offers 4X points at gas stations and electric vehicle (EV) charging stations. There are a number of other valuable benefits, such as complimentary 12-month Priority Pass Select membership, up to a $100 Global Entry or PreCheck credit and a $30 streaming service credit each year after 11 months of streaming purchases. When you add in the first-year welcome bonus—50,000 bonus points after spending $2,000 in the first 120 days—the U.S. Bank Altitude Connect is easily worth its $95 annual fee.

• High rewards rates on gas, EV charging stations and prepaid hotels and car rentals booked through the Altitude Rewards Center
• Complimentary 12-month Priority Priority Pass Select membership
• Up to a $100 TSA PreCheck or Global Entry credit
• $30 annual streaming service credit
• Redemption value is limited to 1 cent per point
• No travel transfer partners
• No intro APR offer

Vault’s Viewpoint on the U.S. Bank Altitude Connect Visa Signature Card

The U.S. Bank Altitude Connect Visa Signature is a solid card with excellent earnings at gas stations and electric vehicle charging stations—4X points on those purchases is among the best offered by any credit card on the market. As such, the U.S. Bank Altitude Connect Visa Signature Card is best for people who spend a lot at the gas station or EV charging stations or are looking to fill that rewards niche—as well as those who wouldn’t mind earning 2X points on a few other everyday categories.

The U.S. Bank Altitude Connect Visa Signature Card packs a few extra perks that quickly heighten the card’s overall value. For a credit card with a $95 annual fee, it features some premium travel perks, such as complimentary Priority Priority Pass Select membership for a year (including four free visits) and up to $100 in credits toward Global Entry or PreCheck membership.

The card’s rewards program is simple, with the ability to redeem for travel, cash back, gift cards, statement credits and more at 1 cent per point. Note, though, the card doesn’t offer airline or hotel transfer partners, which may be a hindrance for more serious travelers looking to increase their rewards’ value.

U.S. Bank Altitude Connect Visa Signature Card Highlights

Annual fee: $0 the first year; $95 each year thereafter

Welcome bonus: 50,000 bonus points after spending $2,000 in the first 120 days of account opening

Earning Rewards With the U.S. Bank Altitude Connect Visa Signature Card

With the U.S. Bank Altitude Connect Visa Signature, you’ll earn points on gas and EV charging purchases as well as points on a few everyday categories. U.S. Bank Altitude Connect rewards rates include:

• 4X points on travel, at gas stations and EV charging stations
• 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 2X points at grocery stores, on grocery delivery, dining and streaming services
• 1X points on everything else

Redeeming Rewards

Redemptions for U.S. Bank Altitude Connect rewards are made through the Altitude Rewards Center on the mobile app or online.

• Step 1. Find the “go to rewards and benefits” tab
• Step 2. Choose “redeem rewards”
• Step 3. Browse categories and offers for redemptions
• Step 4. Follow prompts to complete redemptions

Redeeming rewards on a card without a travel rewards program can be a double-edged sword. The simplicity of redeeming points for 1 cent each can make them more useful; however, if you’re a travel rewards enthusiast, the lack of transfer partners and the inability to get more value out of each redemption might feel disappointing.

Rates and Fees

The U.S Bank Altitude Connect’s annual fee is waived for the first year ($95 each year after), making it a standout benefit of the card. Other rates and fees include:

• Annual fee: $0 intro annual fee; $95 thereafter
• Intro APR: None
• Variable APR: 21.24% to 29.24%
• Balance transfer fee: 3% ($5 minimum)
• Foreign transaction fee: None
• Late payment fee: Up to $41
• Penalty APR: None
• Cash advance fee: 5% ($10 minimum)
• Cash advance APR: 29.99% variable

U.S. Bank Altitude Connect Benefits

The U.S. Bank Altitude Connect benefits are surprisingly robust for a mid-tier travel rewards card. From lounge access to cellphone protection, there’s a lot included with the Altitude Connect credit card. Although some of these benefits are going away in September, this card will still provide plenty of value for its price point.

Travel Benefits

• Lounge access: With complimentary Priority Pass Select membership, cardholders receive four free lounge passes each year to 1,300 lounges worldwide.
• Global Entry or TSA PreCheck credit: Enjoy up to a $100 credit for TSA PreCheck or Global Entry membership once every four years.
• Lounge access for delayed flights: With SmartDelay, you can get a lounge access voucher if your flight is delayed. You’ll need to register your flight at least two hours before it’s scheduled to depart.
• Travel insurance: Cardholders receive comprehensive travel insurance benefits, such as trip cancellation and interruption coverage, trip delay reimbursement, travel emergency assistance services like emergency ticket replacement and a travel accident benefit.
• GigSky Global Mobile Data: Get a complimentary 5 GB/30-Day global mobile data plan from GigSky, which gives you internet access on compatible eSIM devices in 125 countries. You can redeem this benefit by visiting gigsky.com/visa-usb-ac and enrolling in the complimentary data plan by August 31, 2024.

Visa Signature Benefits

• 24/7 concierge service: Get complimentary concierge assistance with travel, dining, entertainment and more. Cardholders are responsible for paying for any goods or services procured through the concierge service.
• Visa Signature Luxury Hotel Collection: When you stay at a property in the Visa Signature Luxury Hotel Collection, you’ll receive special benefits like an automatic room upgrade (pending availability), complimentary continental breakfast, $25 USD for food and beverage daily and more. Book through www.visasignaturehotels.com to receive these benefits.
•  Visa Signature golf benefit by Troon: Cardmembers get automatic Silver status and 10% off when they sign up for Troon Rewards, which provides discounts at over 150 golf courses. Existing Troon members will get one status level upgrade. 
• Visa Signature Car Rental Privileges: Get discounts, complimentary upgrades (when available) and other benefits when you book a rental car with Avis or Budget.

Visa offers + perks: Access exclusive discounts and offers for Visa cardholders on the Visa website .

Additional Benefits

• NortonLifeLock: Access special discounts on NortonLifeLock products to help protect yourself from identity theft. 
• Shipt: Get three months of free Shipt membership, then 9 months of membership at 50%, when you enroll your card. Shipt gives you free same-day delivery on orders of $35+ at select retailers.

Important Card Updates

Several major changes are coming to the Altitude Connect Visa Signature Card, taking effect on Sept. 9. The main ones are:

• Annual fee: After Sept. 9, the card will have no annual fee. Currently, the card has a $95 annual fee that’s waived for the first year. 
• Rewards rate change: The 4X points at gas stations and EV charging stations will come with a quarterly cap of $1,000 in purchases and exclude wholesale clubs, discount stores/supercenters and grocery stores. The 2X points at grocery stores will remain the same, but will exclude discount stores/supercenters and wholesale clubs. The other rewards rates for the card (5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 4X points on travel, 2X points on dining, 2X points on streaming services and 1X points on all other purchases) will remain the same. 
• Rewards redemption: Points will be worth 1 cent apiece when redeemed for travel through the Altitudes Rewards Center. Points will be worth 0.8 cents apiece when redeemed for cash back, Real-Time Rewards, U.S. Bank Rewards Card, Shop with Points at Amazon.com and Pay with Rewards from PayPal. Currently, points are worth 1 cent apiece when redeemed for cash back. The minimum redemption for cash back will increase to 3,125 points (equal to $25), up from the current 2,500 Points (equal to $25).
• Charitable donation match: When you redeem points for eligible charitable donations, U.S. Bank will match your contribution at 100%.
• Discontinued benefits: The $30 annual streaming services credit and cell phone protection benefit will be discontinued. If you paid your cell phone bill with your card in August 2024 and your phone is damaged or stolen in September 2024, you’ll still be covered if you submit a claim within 60 days of the damage or theft.

All of the card’s other benefits will stay the same.

While these new changes do slash the earning potential of one rewards category and devalue the card’s rewards on some redemptions, it’s not all bad news. The card’s elimination of its annual fee essentially turns it into a no-annual-fee card with mid-tier travel card benefits like complimentary Priority Pass Select membership, a TSA PreCheck/Global Entry application fee credit and various travel protections. 

We’ll miss the cell phone insurance and streaming credit, but cell phone insurance is a common benefit found among many cards and an effective $95 annual fee discount is worth more than the $30 value of the streaming credit.

If there are no additional changes beyond what was announced, this card might be worth keeping open for the perks alone, even if you don’t plan to use it as your primary card for earning rewards.

Who Is the U.S. Bank Altitude Connect Visa Signature Card Best For?

Consumers who spend a lot of money on gas or EV charging each month are the target demographic for this card. For example, gig workers, realtors, sales reps, farmers, commuters or any other person who drives a considerable amount stands to earn significant rewards thanks to the card’s 4X rate on gas station and EV charging purchases.

Further, those who frequently rent cars for work (or leisure travel) can also take advantage of the high 5X rate on car rentals booked through the Altitude Rewards Center. Plus, the card’s premium travel benefits, like lounge access and the TSA PreCheck or Global Entry credit, can both improve your overall travel experience and more than make up for the card’s $95 annual fee.

Who Should Consider an Alternative to the U.S. Bank Altitude Connect Visa Signature Card?

Since the U.S. Bank Altitude Connect is limited when it comes to scoring heightened rewards value via redemptions, savvy travel rewards enthusiasts should probably consider other cards. Plus, this card is more focused on gas and prepaid hotels and car rentals booked through the U.S. Bank’s Altitude Rewards Center—it doesn’t earn rewards on flights or directly booked hotels and car rentals.

Cardholders who don’t already own a general travel card with transfer partner options and who want to earn points on flights or a wider variety of travel should look elsewhere.

How Does the U.S. Bank Altitude Connect Visa Signature Card Stack Up to Its Competitors?

When stacked up against its competitors, the U.S. Bank Altitude Connect’s main drawback is its lack of travel transfer partners. Other cards in the same annual fee range, such as the Chase Sapphire Preferred® Card, Capital One Venture Rewards Credit Card and Citi Premier® Card, have travel rewards programs that offer the potential for outsized value through transfer partners, travel portal bookings or both.

U.S. Bank Altitude Connect Visa Signature vs. Citi Premier® Card

For the same $95 annual fee, the Citi Premier Card offers a slightly lower 3X points on gas station purchases, plus 3X points on a variety of travel and everyday categories—restaurants, supermarkets, air travel and hotels. If you have an electric vehicle, though, you’ll miss out on rewards at EV charging stations if you choose the Premier over the Altitude Connect.

The Citi Premier Card is more well-rounded when it comes to travel rewards, though, and it offers access to airline and hotel transfer partners through the ThankYou Rewards program—including JetBlue TrueBlue, Flying Blue, Choice Privileges and Wyndham Rewards.

What the Altitude Connect offers that Citi Premier does not is a TSA PreCheck and Global Entry credit and lounge access, though the Premier does feature an annual $100 hotel savings benefit for single hotel stays of $500 or more (excluding taxes and fees) booked through thankyou.com.

U.S. Bank Altitude Connect Visa Signature vs. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred is a top travel rewards card that offers higher rewards on travel purchases, online groceries, dining and streaming services compared to the Altitude Connect, though the Sapphire Preferred doesn’t offer bonus rewards on gas or EV charging.

With the Sapphire Preferred, you’ll earn 5X points on travel purchased through Chase Travel; 3X points on dining (including eligible delivery services, takeout and dining out), online groceries (excluding Target, Walmart and wholesale clubs) and select streaming services; 2X points on all other travel purchases; and 1X points on everything else. This makes it a better option for those looking to earn heightened rewards on a variety of travel through Chase’s travel portal or simply on general travel purchases.

Plus, the Sapphire Preferred can easily get you more value for your points when it comes time to redeem. You’ll enjoy a boost of 25% more points value for travel booked through Chase Travel and can take advantage of Chase transfer partners like JetBlue TrueBlue, Southwest Airlines Rapid Rewards, United Airlines MileagePlus, Marriott Bonvoy and more. However, transferring rewards does require a thorough knowledge of these programs to make the most optimal redemptions.

Lastly, the Sapphire Preferred doesn’t feature lounge access or a Global Entry or TSA PreCheck credit. It does, though, offer some incredible travel protections for a $95 annual fee, including trip cancellation and interruption insurance, primary auto rental collision damage waiver insurance, baggage delay insurance, trip delay insurance and more.

U.S. Bank Altitude Connect Visa Signature vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a solid option for earning simple, flat-rate rewards on your travel purchases while still getting access to travel transfer partners. For a $95 annual fee, you’ll earn 2X miles on all purchases, plus 5X miles on hotels and car rentals booked through Capital One Travel—and it features the same Global Entry or TSA PreCheck credit opportunity every four years.

When it comes to rewards redemptions, the Venture card has a lot of options. Miles can be redeemed to cover past travel purchases, book travel through Capital One Travel, turned into gift cards, cash back and more. Plus, you can transfer to partner airline and hotel programs like Air Canada Aeroplan, Choice Privileges and Wyndham Rewards—though Capital One features fewer domestic transfer partner programs compared to Chase.

Overall, cardholders looking for maximum value from their travel rewards program will likely find the Venture offers more in this category. Those more focused on earning heightened rewards on gas and EV charging purchases, though, may prefer the Altitude Connect.

Is the U.S. Bank Altitude Connect Visa Signature Card Worth It?

Making the U.S. Bank Altitude Connect worth it depends on whether you can use the benefits or earn enough rewards to cover the $95 annual fee. Cardholders who value high rewards on gas and EV charging purchases, plus lounge access, the Global Entry or TSA PreCheck credit and $30 streaming credit, may find the card to be worth it.

While you can earn substantial rewards on gas and EV charging purchases, travelers who are savvy with their points may want a more comprehensive travel rewards program. The fixed-rate redemptions and lack of travel transfer partners may be disappointing to cardholders looking for outsized value.

Related Articles

• How To Choose a Credit Card
• How Many Credit Cards Should I Have?
• Best Travel Credit Cards

Frequently Asked Questions

What is the difference between the u.s. bank altitude reserve and the u.s. bank altitude connect.

There are a few differences between the U.S. Bank Altitude® Reserve Visa Infinite® Card and the U.S. Bank Altitude Connect Visa Signature, most notably the annual fee and rewards rates. The Altitude Reserve Visa Infinite charges a hefty $400 annual fee and earns rewards on general travel and mobile wallet purchases, while the Altitude Connect Visa Signature charges a $95 annual fee and earns rewards at gas stations and EV charging stations, grocery store purchases, grocery delivery, dining and streaming services. Both cards offer complimentary airport lounge access and a Global Entry or TSA PreCheck credit.

How Much Is the U.S. Bank Altitude Connect Fee?

The annual fee for the U.S. Bank Altitude Connect is $0 for the first year, then $95 each year thereafter.

Is Chase Sapphire the Same As the U.S. Bank Altitude Connect?

A key difference between the Chase Sapphire credit cards and the U.S. Bank Altitude Connect is how rewards can be redeemed. Chase has a strong rewards program with transfer partners and the potential for more valuable redemptions, while U.S. Bank has a simpler, straightforward redemption program limited to 1 cent per point.

Newsweek writer Raina He contributed to this post.

The post U.S. Bank Altitude® Connect Visa Signature® Card 2024 Review first appeared on Newsweek Vault .

Wells Fargo Autograph Journey Card review 2024: rewards, benefits, and more

The Wells Fargo Autograph Journey Card offers generous travel rewards for a reasonable annual fee, making it an excellent choice for frequent travelers who prioritize earning points on hotels, airlines, and dining expenses.

Marc Guberti

Marc Guberti is a Certified Personal Finance Counselor (CPFC) and Bankrate contributor. He also writes articles on finance and investing for US News & World Report, InvestorPlace, Benzinga, and other publications.

Hanna Horvath

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.

Updated April 24, 2024, 2:34 PM EDT

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Advertiser disclosure: Content provided by Bankrate.com. Fox and its content partners earn compensation from the affiliate companies below. This content doesn’t include all available offers, and compensation may impact how and where links appear in the content.

The new Wells Fargo Autograph Journey℠ Visa® Card is a great travel card with a reasonable annual fee. This card is best for frequent travelers thanks to its unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel, and 1X points on all other purchases.

In this review, we'll dive into the features, benefits, and potential drawbacks of the Wells Fargo Autograph Journey card, helping you determine if it's the right fit for your wallet.

Key takeaway

The Wells Fargo Autograph Journey Card offers great rewards on hotels, airlines, and dining expenses alongside travel protection benefits, making it a valuable tool for those who spend heavily in these categories and want to maximize their travel rewards.

Wells Fargo Autograph Journey℠ Visa® Card

• 5X points back on hotels and other great travel rewards
• Generous welcome bonus
• Annual statement credit for airfare purchases
• No portal that restricts which travel purchases qualify for bonus points
• No foreign transaction fees
• Travel protection benefits
• Rewards primarily focused on travel and dining categories
• No introductory APR period
• $95 annual fee

Key features

• Unlimited 5x points on hotels, 4x points on airlines, 3x  points on other travel and dining, 1x on other purchases
• $50 annual airfare statement credit 

Travel protection benefits 

Benefits and rewards.

The Wells Fargo Autograph Journey Card comes with a generous welcome bonus of 60,000 reward points after spending $4,000 within the first three months. This bonus can be redeemed for travel, gift cards, or statement credits, giving you a head start on earning points. 

One of the most attractive aspects of this card is its unlimited reward structure. Cardholders earn 5X points on hotel bookings, making it an excellent choice for those who frequently stay at hotels. 

The card also offers 4X points on airline purchases, helping you accumulate points quickly when booking flights. For other travel expenses and dining, you'll earn 3X points, while all other purchases earn 1X points.

The Wells Fargo Autograph Journey card costs $95 per year, on par or lower than many other comparable travel credit cards. 

You’ll also get a $50 annual statement credit for any airline booking (with a $50 minimum airline purchase), effectively reducing the annual fee to just $45. This credit can offset the cost of flights, making your travel even more affordable.

Redeeming rewards

The Wells Fargo Autograph Journey card is a flexible travel card, which means you can transfer points to hotel or airline partners.

Co-branded cards often offer 2X-5X points on travel and may restrict which airlines or hotel chains you can use points with. For example, an American Airlines credit card often requires you to board an American Airlines plane to get the maximum points back. 

Unlike other travel cards, you don’t have to use Wells Fargo’s travel portal to earn bonus points when booking travel. For example, you can earn 5X points on travel purchases with the Chase Sapphire Preferred® Card , but you must make those purchases within the Chase Travel℠ portal to earn the bonus points.  

The Wells Fargo Autograph Journey card doesn’t have this type of restriction. Also, unlike many other cards, there’s no cap on the rewards you can earn, says David Shipper, Strategic Advisor at Datos Insights. 

This card offers trip cancellation, reimbursing you up to $15,000 for non-refundable expenses such as lodging, flights, and activities if your trip is canceled for a covered reason. This benefit provides peace of mind when booking travel, knowing you're protected against unforeseen circumstances. 

The Autograph Journey card also offers other travel protections, such as trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waiver. These benefits can save you money and hassle in travel disruptions or mishaps.

Considerations and downsides

While the Wells Fargo Autograph Journey Card offers impressive rewards, there are a few potential downsides.

The card comes with an annual fee of $95, which may be a deterrent for some (especially when there are plenty of solid no annual fee cards on the market). But, the $50 annual statement credit for airfare effectively reduces the annual fee to $45, making it more manageable. 

“The card comes with a $95 fee, which many consumers will not want to pay. However, that fee is in line with other travel-related credit cards (if not a bit lower) and will more than offset by the card's many bonus features,” Shipper says. 

Another drawback is that the card's rewards are focused primarily on travel and dining. If you don't spend heavily in these categories, you may be unable to maximize the card's rewards. 

Additionally, the redemption options for reward points may be limited compared to other travel cards . While Wells Fargo does have a list of travel partners you can transfer points to at a 1:1 rate, the network is not as diverse or large as other competitors.  

This card also doesn’t have a 0% introductory APR offer, making it not the best choice for those who may carry a balance.

Who is the Wells Fargo Autograph Journey card best for?

The Wells Fargo Autograph Journey Card is an excellent choice for frequent travelers who spend heavily on hotels, airlines, and dining. The lack of limits on your bonus points makes this card especially worthwhile.

But if you spend regularly outside of these categories, this may not be the best card for you. 

You’ll get 1X points back on non-travel and non-dining purchases, but that’s the minimum across the industry. You’re better off using another card for groceries, electronics, gas, and everyday purchases.

Alternatives

The Wells Fargo Autograph Journey card offers many perks for people who like to travel often. However, you should compare credit cards before choosing the right travel card for your finances. Here are some alternatives.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card also offers 60,000 bonus points if you spend $4,000 on purchases within the first three months of opening your account.

The card offers 5X points on travel purchased through Chase’s Travel portal, 2X on other travel purchases, 3X on dining and grocery purchases (excluding Walmart, Target, and wholesale clubs), 3X points on select streaming services, and 1X on all other purchases.

The Sapphire Preferred card has a greater range of spending categories that exceed 1X points back. You’ll also get 25% more value when you redeem your points through the Chase Travel℠ portal. For example, 60,000 points can be valued at up to $750 for qualifying travel expenses. The card has a $95 annual fee.  

Capital One Venture Rewards Card

The Capital One Venture Rewards card offers a straightforward unlimited 2X miles for every dollar you spend. You’ll also earn 5X miles on hotels and rental cars booked through Capital One Travel, all for a $95 annual fee.

The new cardholder offer is 75,000 bonus miles if you spend $4,000 on purchases within the first three months of opening your card. The card comes with travel accident insurance.

The ability to earn unlimited 2X miles on every purchase is a good perk for non-travel spending categories. However, you must use Capital One Travel to book your flights and hotels to receive the maximum bonus miles.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card is a good starter card for those who want to earn travel rewards but don’t want to pay an annual fee.

You can receive unlimited 3X points at restaurants, travel, gas and electric vehicle charging stations, transit, popular streaming services, and phone plans. All other purchases are eligible for 1X points. You can redeem points for travel, gift cards, and cash.

The card doesn’t have as many travel benefits but has some notable perks. You’ll get up to $600 of cell phone protection against theft or damage, 24/7 roadside dispatch, and an auto rental collision damage waiver.

You can earn 20,000 bonus points if you spend $1,000 within the first three months of opening your account, which is worth up to $200 in cash back. 

Citi Premier® Card 

The Citi Premier card has a 60,000 bonus point welcome offer if you spend $4,000 after the first three months of opening your account. This card has a $95 annual fee. You can earn a $100 annual hotel credit if you spend $500 or more, helping you offset the annual cost.

The card offers 3X points back on restaurants, supermarkets, gas stations, air travel, and hotels. You will receive 1X points back on all other purchases. Points do not expire, and there is no limit to how many bonus points you can earn.

For a limited time, you can earn up to 10X points on hotels, car rentals, and attractions (excluding flights) booked through Citi’s travel portal. This promotional offer lasts until June 30, 2024. 

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards card is a straightforward card with no annual or foreign transaction fees. You’ll earn a flat 1.5X points on every purchase. You can also receive 25,000 bonus points if you spend $1,000 within the first 90 days of opening your account.

Unlike the Wells Fargo Autograph Journey card, this card has a 0% introductory APR offer. You’ll get 0% APR for the first 15 billing cycles for purchase. The intro balance transfer fee is 3% for the first 60 days, and this balance transfer fee goes up to 4% after the initial promotion.

Bank of America Preferred Rewards members can earn 25%-75% additional points on every purchase. Your membership level depends on your two-month combined average daily balance across your Bank of America bank accounts.

Outside of that, the card doesn’t have as many perks. It’s good for beginners who want to get started earning travel rewards. However, you may earn more rewards and access additional benefits if you use a card with an annual fee.   

The bottom line

The Wells Fargo Autograph Journey card is a great, flexible choice for travelers with a moderate annual fee. The card also has a generous welcome bonus similar to what you will find with other travel cards.

But it’s important to consider your spending habits and travel preferences when deciding if this card is right for you. If travel and dining aren’t your primary spending categories, you may find more value in alternative cards with different rewards. Its rewards, benefits, and travel protections make this card a solid choice for travelers. 

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.