Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on Akaash's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛍️ 3x on Drugstore (worth 3.75%)
♾️ 1.5x on Everything Else
Percentages based on Akaash's valuation of 1.25¢ per Ultimate Rewards point
Rates
19.99% - 28.74% Purchase APR
19.99% - 28.74% Transfer APR
29.74% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_FreedomUnlimited-36" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56029.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>