Best Credit Cards of January 2026

Welcome Offer

• Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.

Rewards

• 4% Cashback on DoorDash and Caviar orders.
• 3% Cashback on Dining when purchased directly from a restaurant.
• 2% Cashback on Grocery Stores online or in-store.
• 1% Cashback on All Other Purchases.

Partner Benefits

• DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
• Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

• Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.

Fees and APR

• Annual Fee: $0.
• Regular APR: 18.24% - 27.74% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

• World Elite Concierge: Complimentary 24/7 concierge service to help with dining reservations, finding hard-to-get items, travel planning, and more.
• Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• 24/7 Customer Service Access: Get round-the-clock access to dedicated customer service specialists from anywhere in the world.
• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 175,000 bonus points after spending $8,000 in the first six months.

Rewards

• 5x Points on Flights: Earn 5x points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 in purchases per calendar year.
• 5x Points on Prepaid Hotels booked on American Express Travel®.
• 1x Points on All Other Purchases.

Partner Benefits

• Up to $200 Uber Cash: Add your card to your Uber account and use it for rides or Uber Eats orders in the U.S. to receive $15 in Uber Cash each month, plus a $20 bonus in December.
• Up to $120 Uber One Credit: Receive up to $120 in statement credits per calendar year after purchasing an auto-renewing Uber One membership.
• Up to $300 Lululemon Credit: Receive up to $75 in statement credits each quarter for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.
• Up to $155 Walmart+ Credit: Receive statement credits for an auto-renewing Walmart+ monthly membership, up to $12.95 per month plus applicable taxes.
• Up to $100 Shop Saks Fifth Avenue Credit: Receive up to $50 in statement credits twice per year for eligible purchases made at Saks Fifth Avenue or saks.com. Enrollment required.
• $200 Oura Ring Credit: Receive up to $200 in statement credits each calendar year when you use your Platinum Card® to purchase an Oura Ring at ouraring.com. Enrollment required.
• $300 Equinox Credit: Receive up to $300 in statement credits each year when you use your Platinum Card® to pay for an Equinox+ digital subscription or an auto-renewing Equinox club membership. Enrollment required.

Lounge Access

• The Global Lounge Collection ($850+ in Value): Enjoy over $850 in annual value through access to Centurion® Lounges, 10 complimentary Delta Sky Club® visits when flying on eligible Delta flights, a Priority Pass Select™ membership (enrollment required), and access to other select partner lounges worldwide.

Elite Hotel Status

• Marriott Bonvoy® Gold Elite Status: Enjoy perks like room upgrades when available, late checkout, and enhanced in-stay benefits at participating Marriott Bonvoy properties when booked at a qualifying rate.
• Hilton Honors™ Gold Status: Enjoy valuable perks like space-available room upgrades, daily food and beverage credits at select hotels, and bonus points on stays at participating Hilton Honors properties.
• Leaders Club Sterling Status: Enjoy Leaders Club Sterling Status with The Leading Hotels of the World®, including benefits like room upgrades when available, complimentary breakfast, early check-in and late checkout (when available), and exclusive member-only offers at participating luxury properties worldwide.

Redemption Options

• Redeem your rewards for gift cards, travel, purchases at Amazon.com, Grubhub, and BestBuy.com®, and more.
• 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.

Fees and APR

• Annual Fee: $895.
• Regular APR: 19.49% - 28.49% Variable APR.
• Foreign Transaction Fee: None.

Travel Benefits

• Up to $600 Hotel Credit: Receive up to $300 in statement credits twice per year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through Amex Travel. A two-night minimum stay is required for The Hotel Collection.
• $200 Airline Fee Credit: Select one qualifying airline and receive up to $200 in statement credits each calendar year for eligible incidental fees charged to your Platinum Card®. Covered expenses may include checked bags, in-flight refreshments, flight-change fees, overweight or oversized baggage fees, airport lounge day passes, pet kennel fees, and phone reservation fees.
• Fine Hotels + Resorts®: Book stays at 1,800+ luxury Hotels + Resorts® properties through American Express Travel® and enjoy a complimentary suite of benefits worth an average of $550 per stay. Perks typically include room upgrades when available, daily breakfast for two, 4pm late checkout, and a property credit.
• Global Entry/TSA PreCheck® Fee Credit: Get up to $120 every four years for the application fee.
• CLEAR® Plus Credit: Receive up to $209 in statement credits per calendar year for an auto-renewing CLEAR Plus® membership, excluding taxes and fees.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
• Trip Delay Reimbursement: If your trip is delayed by more than 6 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging, maximum 2 claims per eligible card per 12 consecutive month period.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $10,000 per trip and up to $20,000 per card in 12-month period for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• The Hotel Collection: Discover 1,000+ upscale hotels worldwide with The Hotel Collection and receive a $100 credit toward eligible charges on stays of two nights or more when you book through American Express Travel.
• Platinum Travel Service: Get personalized trip planning with Platinum Travel Consultants who create custom itineraries and tailored recommendations to help you make the most of every journey.
• Car Rental Privileges: Enjoy special benefits with Avis, Hertz, and National Car Rental, including discounts, faster service, and elite status perks at participating locations.
• Premium Global Assist® Hotline: Get 24/7 access to assistance while traveling more than 100 miles from home, including help with medical, legal, and travel emergencies, coordination of services, and emergency support when you need it most.

Purchase Protections

• Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim and $50,000 per year.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of five years or less.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $300 per item and $1,000 per year.
• Cell Phone Protection: Get up to $800 per claim in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.

Exclusive Offers

• Global Dining Access by Resy: Get access to exclusive tables, priority reservations, and special dining experiences at top restaurants around the world.
• Up to $400 Resy Credit: Receive up to $100 in statement credits each quarter when you make eligible purchases at U.S. Resy restaurants. Enrollment required.
• Platinum Nights by Resy: Enjoy exclusive dining events and special experiences at top restaurants, reserved for Platinum Card® members.
• Up to $300 Digital Entertainment Credit: Earn up to $25 in statement credits each month on eligible purchases with participating digital entertainment partners. Enrollment required.
• Premium Events Collection™: RSVP to specially curated, once-in-a-lifetime experiences exclusively for Platinum Card® Members. From sporting and fashion events to fine dining, art, and live performances, these tailored experiences are designed to elevate your access through American Express.
• Events With Amex™: Enjoy presale and special ticket access to select must-see events. Your eligible card unlocks exclusive card member benefits at concerts, sports, theater, and other live events, helping take your experience to the next level.
• Amex Offers: Amex offers helps card members earn extra rewards on purchases they already love. Browse and add available offers to your eligible card, then earn additional rewards or statement credits when you make qualifying purchases at select brands with American Express.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 90,000 AAdvantage® bonus miles after spending $5,000 in the first four months.

Rewards

• 3x Miles on Eligible American Airlines Purchases.
• 6x Miles on Eligible AAdvantage Hotels™ bookings.
• 2x Miles Categories:
  • 2x Miles at Restaurants, including takeout and delivery.
  • 2x Miles on Eligible Rides and Rails™ Purchases, including taxis, rideshares and public transit.
• 1x Mile on All Other Purchases.

Partner Benefits

• Up to $240 Back on Turo: Earn up to $30 in statement credits for each eligible Turo trip, for a total of up to $240 per year. To qualify, link your card to your Turo account at Turo.com/Globe and pay for the trip with your card.

Lounge Access

• Admirals Club® Globe™ Passes: Each calendar year, receive four Admirals Club® Globe™ Passes (over $300 value), giving you access to nearly 50 Admirals Club® lounges. Enjoy complimentary snacks and drinks, free Wi-Fi, and a comfortable place to relax before your flight. Simply present your digital lounge pass from your AAdvantage® wallet for entry.

Redemption Options

• Redeem AAdvantage® miles for flights, seat upgrades, car rentals, hotels, vacations, and more.

Fees and APR

• Annual Fee: $350.
• Regular APR: 19.49% - 29.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Up to $100 Back on Inflight Purchases: Each calendar year, earn up to $100 in statement credits on eligible inflight purchases when you use your card on American Airlines flights.
• Up to $100 Annual Splurge Credit℠: Earn up to $100 in statement credits each calendar year when you choose up to two eligible brands, including 1stDibs, AAdvantage Hotels™, Future Personal Training, and Live Nation (exclusions apply).
• Global Entry/TSA PreCheck® Fee Credit: Get up to $120 every four years for the application fee.
• Free Checked Bags: The primary Cardmember and up to 8 companions get their first checked bag free on domestic American Airlines flights.
• Preferred Boarding: The Primary Cardmember and up to 8 companions can board American Airlines-operated flights before general boarding.
• Loyalty Points: Earn 1 Loyalty Point for every eligible AAdvantage® mile earned on purchases.
• Flight Streak™ Bonus: Earn 5,000 Loyalty Points after every four qualifying American Airlines flights, for up to 15,000 additional Loyalty Points per status qualification year.
• American Airlines Companion Certificate: Starting in your second cardmembership year, earn an American Airlines Companion Certificate when your card is renewed. The certificate is valid for one qualifying round-trip domestic main cabin flight. Redeem it for a $99 ticketing fee, plus applicable taxes and fees based on the itinerary.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
• MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.
• Trip Delay: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.

Purchase Protections

• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.
• Purchase Assurance Plus: Covers eligible new purchases against damage or theft.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
• Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Additional Features

• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Citi® Quick Lock: Instantly block new purchases while allowing recurring transactions to continue without disruption.
• 24/7 Fraud Protection: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 30,000 bonus miles after spending $1,000 in the first three months.
• Earn 10,000 bonus miles after adding an authorized user to your account in the first three months.

Rewards

• Up to 7x Miles on United Purchases:
  • 7x Miles on United Flights: Earn 5x miles as a MileagePlus member and 2x miles with the United Gateway Card.
  • 2x Miles on All Other Eligible United Purchases.
• 2x Miles Categories:
  • 2x Miles at Gas Stations.
  • 2x Miles on Local Transit and Commuting.
• 1x Mile on All Other Purchases.

Redemption Options

• Redeem miles for gift cards, travel, experiences, or apply as a statement credit, and more.
• MileagePlus miles do not expire.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 12 months from account opening.
• Regular APR: After the introductory period, a variable APR of 19.74% - 28.24% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• 25% Savings on Inflight Purchases: Receive 25% back on United inflight and Club premium drink purchases.
• Checked Bag Benefit: Earn two free checked bags after you spend $10,000 in a calendar year.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
• Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

• Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
• Visa Signature® Concierge: Enjoy 24/7 complimentary concierge service to help with booking flights, hotels, transportation, event tickets, dining reservations, golf tee times, and more.

Additional Features

• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 80,000 bonus points after spending $2,000 in the first three months.

Rewards

• Up to 17x Points at IHG® Hotels and Resorts: 5x points for every $1 spent with the IHG One Rewards Traveler card + up to 10x points for being an IHG One Rewards member + up to 2x points with Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember.
• 3x Points Categories:
  • 3x Points on Dining.
  • 3x Points at Gas Stations.
  • 3x Points on Utilities.
  • 3x Points on Internet, Cable, and Phone Services.
  • 3x Points on Select Streaming Services.
• 2x Points on All Other Purchases.
• Annual Bonus: Earn 10,000 bonus points after spending $10,000 in purchases each calendar year.
• Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

Elite Hotel Status

• Automatic Silver Elite Status with IHG One Rewards: Enjoy automatic Silver Elite Status with benefits like Late Checkout (where available) and 20% more points on stays at participating IHG Hotels & Resorts. Status renews every account anniversary year.
• Gold Elite Status: Spend $20,000 or more in a calendar year and, as the primary cardmember, you’ll earn Gold Elite Status through December 31 of the following year.

Redemption Options

• Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
• Points will not expire as long as there is IHG One Rewards program activity for 12 consecutive months.

Fees and APR

• Annual Fee: $0.
• Regular APR: 19.24% - 27.74% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $5,000 per person and $10,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

Exclusive Offers

• Early Access to IHG Reward Night Sales: IHG One Rewards Cardmembers enjoy exclusive early access to Reward Night sales each year.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Earn 30,000 bonus points after spending $1,000 in the first three months.

Rewards

• Up to 14x Points on Marriott Stays: 3x points for every $1 spent with the Marriott Bonvoy Bold® Card + up to 10x points as a Marriott Bonvoy® member + 1x point with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember.
• 2x Points Categories:
  • 2x Points on Grocery Stores.
  • 2x Points on Rideshare and Select Food Delivery.
  • 2x Points on Select Streaming Services.
  • 2x Points on Internet, Cable, and Phone Services.
• 1x Points on All Other Purchases.

Partner Benefits

• DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
• Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.

Elite Hotel Status

• Automatic Silver Elite Status with Marriott Bonvoy®: Enjoy automatic Silver Elite Status with benefits like priority late checkout (where available) and 10% more points on stays at participating Marriott Bonvoy® hotels. Status renews every account anniversary year.
• Elite Night Credits: Receive 5 elite night credits every calendar year, helping you work toward higher status tiers.

Redemption Options

• Redeem points for free nights at Marriott hotels, flights, experiences and more.
• Pay Yourself Back®: Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at participating Marriott Bonvoy hotels, up to $750 per year.

Fees and APR

• Annual Fee: $0.
• Regular APR: 19.24% - 27.74% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 5 days for essential purchases if your baggage is delayed more than 6 hours.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Trip Delay Reimbursement: If your trip is delayed by more than 12 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

Exclusive Offers

• Visa Signature® Concierge: Enjoy 24/7 complimentary concierge service to help with booking flights, hotels, transportation, event tickets, dining reservations, golf tee times, and more.

Additional Features

• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 200,000 bonus points after spending $30,000 in the first six months.

Rewards

• 8x Points on All Chase Travel Purchases, including The Edit℠.
• 5x Points on Lyft Rides through 9/30/27.
• 4x Points Travel Categories:
  • 4x Points on Flights booked directly with the airline.
  • 4x Points on Hotels booked directly with the hotel.
• 3x Points on Social Media and Search Engine Advertising.
• 1x Points on All Other Purchases.
• Note: Purchases that qualify for the $300 Annual Travel Credit or the $500 Edit Hotel Credit do not earn points.

Partner Benefits

• $10 Monthly Lyft Credit: Earn $10 in Lyft credits each month (up to $120 annually) when you add your Sapphire Reserve card to the app. Offer valid through September 30, 2027.
• DoorDash: Enjoy complimentary DashPass membership for DoorDash and Caviar. Activate by December 31, 2027 to receive at least one year of benefits, including $0 delivery fees and lower service fees on eligible orders.
• Monthly DoorDash Credits: Available to DashPass members who activate the benefit through December 31, 2027:
  • $5 off one restaurant order per month (subtotal only; does not apply to taxes, fees, or tip).
  • Two $10 discounts on non-restaurant orders per month (like groceries or convenience items).
• $100 Curated Gift Card Credit: Earn up to $100 per year in statement credits when you purchase gift cards from the curated collection at giftcards.com/reservebusiness — up to $50 from January through June and up to $50 from July through December.

Lounge Access

• Chase Sapphire Lounge® by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere.
• Priority Pass™ Select Membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
• Please note: Sapphire Lounge® and Priority Pass™ Select benefits are not available for employee cardmembers. However, employees may access the lounges as guests of the Primary Cardmember.

Elite Hotel Status

• IHG One Rewards Platinum Elite Status: Enjoy automatic Platinum Elite status in IHG One Rewards through December 31, 2027. Please note: This benefit is not available for employee cardmembers.

Redemption Options

• Redeem your rewards for cash, gift cards, travel, products, services, and more.
• 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.
• Points Boost: Get up to 2x on select airline flights and hotels when you redeem through Chase Travel.

Fees and APR

• Annual Fee: $795.
• Regular APR: 17.74% - 25.74% Variable APR.
• Foreign Transaction Fee: None.

Business Perks

• $200 Google Workspace Credit: Earn up to $200 in annual statement credits on purchases made directly with Google Workspace. Access powerful business tools like Google AI in Gmail, Calendar, Drive, Meet, and NotebookLM to help your team work smarter and grow faster.
• $400 ZipRecruiter Credit: Earn up to $400 in annual statement credits on purchases made directly with ZipRecruiter — up to $200 from January through June and up to $000 from July through December. Post jobs and connect with qualified candidates quickly to help grow your business.
• Build Your Business Credit: As your business grows, having a business credit card helps build your company’s own credit history, making it easier to access more capital over time.
• Employee Travel: Get better visibility into employee travel spending and earn accelerated rewards when employees book through Chase Travel.
• Account Alerts: Customize alerts to help keep your account secure and stay informed about activity, with notifications delivered the way you prefer.
• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.
• Get Insights Into Your Business: The Chase Sapphire Reserve® for Business gives you 24/7 access to account details, quarterly reports, and up to 24 months of statement history, helping you track spending and manage your business more effectively.
• Manage Your Cash Flow: Use your business credit card to make payments and keep your cash on hand longer.
• Separate Business and Personal Expenses: Easily track business spending and keep clean records for tax reporting and other business needs. You can also integrate your card with bookkeeping software to simplify accounting.
• 24/7 Customer Service Access: Get round-the-clock access to dedicated customer service specialists from anywhere in the world.

Travel Benefits

• $300 Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
• $500 Credit for Stays with The Edit℠: Get up to $500 in statement credits each year for purchases with The Edit℠, up to $250 from January through June, and up to $250 from July through December.
• The Edit℠: Book through The Edit℠ to access a curated collection of premium hotels with exclusive benefits, like daily breakfast for two, a $100 property credit, room upgrades (when available), and more. Please note: This benefit is not available for employee cardmembers, and a two-night minimum is required.
• Global Entry/TSA PreCheck®/NEXUS Fee Credit: Get up to $120 every four years for the application fee.
• Car Rental Benefits: Use your Chase Visa Infinite® card to unlock special car rental perks with major rental companies worldwide.
  • Avis: Get up to 30% off base rates on qualifying rentals at over 5,000 locations worldwide. Enjoy automatic Preferred Plus enrollment, free weekend rentals, and up to 10% off Select Series vehicles.
  • Hertz: Cardholders enrolled in Hertz Gold Plus Rewards® receive special savings, faster service, bonus points, and extra return hours on U.S. rentals.
  • National Car Rental: Save up to 25% on qualifying rentals at participating locations in the U.S., Canada, Latin America, and the Caribbean. Get complimentary Emerald Club Executive status, plus a free weekend day and a one-class upgrade when available.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $75,000.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• Trip Delay Reimbursement: If your trip is delayed by more than 6 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Travel Accident Insurance: Receive up to $1,000,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 5 days for essential purchases if your baggage is delayed more than 6 hours.
• Emergency Evacuation & Transportation: If you or a covered traveler are injured or become ill 100+ miles from home, you may be covered for emergency medical services and transportation, up to $100,000.
• Roadside Assistance: Get help with towing, battery jumps, flat tires, lockouts, or fuel delivery, up to $50 per incident, up to 4 times per year.
• Emergency Medical & Dental Coverage: If you or an immediate family member get sick or injured 100+ miles from home while traveling, you may be reimbursed up to $2,500 for medical expenses (subject to a $50 deductible).

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Cell Phone Protection: Get up to $1,000 of protection against damage or theft (three claims per year, $100 deductible) when you pay your monthly cell phone bill with your eligible card.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

• Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

• Pay-in-Full Card with Built-In Flexibility: Get the buying power you need to cover large purchases, unexpected expenses, and business growth. The Sapphire Reserve® for Business offers two ways to use your credit line: Pay in Full and Flex for Business. Pay-in-Full balances must be paid each month, while Flex for Business balances can be carried over time with interest. Purchases are automatically applied to Flex for Business until its limit is reached, after which additional purchases go to your Pay-in-Full balance.

$120,000 Spend Benefits

As the primary cardmember, you’ll unlock the exclusive benefits below after spending $120,000 on your eligible Sapphire card within a calendar year:

• IHG One Rewards Diamond Elite Status: Automatically receive Diamond Elite status with IHG One Rewards for the remainder of the year you qualify and through the following calendar year.
• $500 Credit for The Shops at Chase:: Earn up to $500 in statement credits for purchases at The Shops at Chase. Credits apply automatically through the end of the year you qualify and the following calendar year.
• $500 Southwest Airlines Chase Travel Credit: Get up to $500 in statement credits for Southwest Airlines purchases made through Chase Travel. Valid for the remainder of the year you qualify and the following calendar year.
• Southwest Airlines Rapid Rewards A-List Status: Enjoy A-List status with Southwest Airlines for the rest of the calendar year you qualify and through the end of the following year.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Earn 20,000 bonus points after spending $1,000 in the first three months.

Rewards

• 5x Points on Prepaid Travel: Earn 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center with your card.
• 4x Points Categories:
  • 4x Points on Travel.
  • 4x Points at Gas Stations and EV Charging Stations: Earn 4x points on the first $1,000 in combined purchases each quarter at gas stations and EV charging stations.
• 2x Points Categories:
  • 2x Points on Dining.
  • 2x Points on Select Streaming Services.
  • 2x Points on Grocery Stores.
• 1x Points on All Other Purchases.

Lounge Access

• Priority Pass™ Select Membership: Enjoy complimentary membership with 4 free visits per year to 1,700+ airport lounges and experiences worldwide.
• SmartDelay Airport Lounge Access: If your flight is delayed by more than two hours, enjoy complimentary access to 1,500+ airport lounges across 500 airports in 100+ countries.

Redemption Options

• Flexible Redemption Options: Redeem points for travel, gift cards, merchandise, statement credits, or deposits to an eligible U.S. Bank account. You can also donate to charity with a 100% match. Maximum point value applies to travel and U.S. Bank account deposit redemptions.
• Real-Time Rewards: Instantly redeem your rewards at the point of purchase, turning everyday spending into immediate savings.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Exclusive Offers

• Shopping Deals: Earn extra cashback when you shop online at 1,100+ stores through the Rewards Center using your U.S. Bank Cash+® Visa Signature credit card.
• Visa Infinite® Golf Benefit by Troon®: Play at 20+ private Troon Privé clubs for $99 per player with up to 3 guests. Enjoy complimentary Platinum Troon Rewards® status and save 20% or more on golf fees, merchandise, and lessons.
• Sofar Sounds Access: Enjoy 7-day Visa Exclusive Presale access to select Sofar Sounds shows, plus get one free ticket with the purchase of at least one ticket during the presale window.
• Universal Studios Hollywood Offers: Get special benefits when you use your eligible Visa® card at Universal Studios Hollywood, Visa is the preferred way to pay. Offers are subject to availability and terms and conditions.
• Universal Orlando Resort Offers: Use your eligible Visa® card, the preferred way to pay at Universal Orlando, to unlock special benefits during your visit. Offers are subject to availability and terms and conditions.
• Discounted Gift Cards: Receive 5% off a select assortment of name-brand gift cards when you shop at The Gift Card Shop using your U.S. Bank card.

Travel Benefits

• Global Entry/TSA PreCheck® Fee Reimbursement: Get up to $100 every four years for the application fee.
• GigSky Global Mobile Data: Stay connected while traveling with a complimentary 5GB/15 day global mobile data plan via the GigSky app, available in 125+ countries. One plan can be activated at a time, and the benefit must be redeemed by November 11, 2025.
• Visa Signature® Car Rental Privileges: Get up to 25% off base rates at Avis and Budget when you book with your Visa Signature® card. Enjoy perks like complimentary upgrades (when available), waived additional driver fees, and 10% off XM Satellite Radio during your rental.
• Visa Signature® Luxury Hotel Collection: Enjoy premium benefits when booking through the Visa Signature Luxury Hotel Collection with your Premium Rewards® card.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Trip Delay Reimbursement: Get reimbursed up to $300 per ticket if your air travel is delayed more than 12 hours or requires an overnight stay. Coverage applies to delays caused by weather, mechanical issues, and more, even if the airline provides vouchers.
• Visa Signature® Concierge: Enjoy 24/7 complimentary concierge service to help with booking flights, hotels, transportation, event tickets, dining reservations, golf tee times, and more.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.

Additional Features

• U.S. Bank ExtendPay® Plan: Split eligible purchases into predictable monthly payments with no interest, just a small fixed monthly fee.
• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Paze℠: Simplify online checkout by keeping all your eligible cards in one secure place. Your card number is replaced with a unique identifier for added protection, no new passwords or enrollment required.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Free Credit Score Access: View your credit score for free, updated monthly in your Mobile Banking app or Online Banking.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Prime Membership Required for highest rewards: You need an active Amazon Prime membership to apply for the Prime Visa and earn its highest reward rates.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.

Rewards

• 5% Cashback Categories (with an eligible Prime membership):
  • 5% Cashback at Amazon.com and Amazon Fresh.
  • 5% Cashback at Whole Foods Market.
  • 5% Cashback at Audible.com.
  • 5% Cashback on Chase Travel purchases.
• 2% Cashback Categories:
  • 2% Cashback at Restaurants.
  • 2% Cashback at Gas Stations.
  • 2% Cashback on Local Transit and Commuting.
• 1% Cashback on All Other Purchases.

Redemption Options

• Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
• Points post and can be redeemed as soon as the next day.

Fees and APR

• Annual Fee: $0.
• Regular APR: 18.74% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

• Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
• Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

• Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Don’t have Amazon Prime?

• The Amazon Visa card is a good option for occasional Amazon shoppers who prefer not to pay for full Prime membership. For frequent Amazon or Whole Foods purchases, the Prime Visa generally provides better overall value. 👉 Check Amazon Visa card details.

Improve Your Approval Chances: If you’ve never had a credit card, keeping at least $250 in a Chase checking or savings account before you apply can help you get approved for the Chase Freedom Rise® card.

Welcome Offer

• $25 for Enrolling in Autopay: Get a $25 statement credit when you enroll in automatic payments in the first three months.

Rewards

• Earn 1.5% unlimited cashback on all purchases.

Partner Benefits

• DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
• Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
• 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Redemption Options

• Redeem rewards for cash, travel, gift cards, purchases at Amazon.com, and more.

Fees and APR

• Annual Fee: $0.
• Regular APR: 25.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

• Turn Good Habits Into an Upgrade: If you use your Freedom Rise® card responsibly, you’ll be automatically checked each year for an upgrade to the Chase Freedom Unlimited® card. Just keep your account open, make at least one purchase, and pay all your bills on time for 12 months.
• Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• Credit Limit Increase: After 6 months, Chase will see if you qualify for a higher spending limit on your Freedom Rise® card. Your credit limit is the most you’re allowed to spend on the card.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Lock or Unlock Your Card: Use the Chase Mobile® app or Chase.com to quickly lock your card and stop new purchases if it’s lost or stolen. You won’t be responsible for unauthorized charges, and your automatic payments will still go through.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.

Terms and Conditions

Click Apply Now to see the terms and conditions.