Credit Cards for Dining

Help Fight Breast Cancer: For each new Susan G. Komen Customized Cash Rewards credit card from Bank of America used to make a transaction within and remain open the first 90 days of account opening, Komen receives $3 and 0.08% of all retail purchases made with the card. Komen also receives $3 for each renewal of a card in good standing during the 12 months and does not have a zero balance at the time of renewal.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
• First-Year Earning Boost: Earn 6% cashback in the category of your choice for the first year.

Rewards

• 3% Cashback in One Category of Your Choice:
  • Gas and EV Charging Stations.
  • Online Shopping, including cable, internet, phone plans and streaming.
  • Dining.
  • Travel.
  • Drug Stores and Pharmacies.
  • Home Improvement/Furnishings.
  • Note: You can change the choice category once every calendar month.
• 2% Cashback Categories:
  • 2% Cashback at Grocery Stores.
  • 2% Cashback at Wholesale Clubs.
• Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on All Other Purchases.

Redemption Options

• Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit to eligible Bank of America® or Merrill® accounts, or use it at Amazon.com and PayPal checkout.

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 the balance transfer offer, transfers must be completed 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.
• Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Bank Relationship Benefits:

• Boosted Rewards for Preferred Rewards Members: If you’re enrolled in Bank of America Preferred Rewards, you can earn 25% to 75% more points.
  • Up to 5.25% Cashback on the Choice Category.
  • Up to 3.50% Cashback on Grocery and Wholesale Clubs.
  • Up to 1.75% Cashback on All Other Purchases.
  • Note: Preferred Rewards bonuses do not apply to the 3% first-year bonus.

Additional Features

• Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay
• Account alerts available
• Paperless statements available
• Online & mobile banking access
• Free credit score access

Terms and Conditions

Click Apply Now to see the terms and conditions.

Related Card Options

• Customized Cash Rewards: Offers the same customizable cashback structure without the charity affiliation, making it a better fit if you prefer a standard rewards card without cause-based branding.
• Customized Cash Rewards for Students: A better fit for students or first-time cardholders who want customizable cashback with easier approval and no annual fee.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
• First-Year Earning Boost: Earn 6% cashback in the category of your choice for the first year.

Rewards

• 3% Cashback in One Category of Your Choice:
  • Gas and EV Charging Stations.
  • Online Shopping, including cable, internet, phone plans and streaming.
  • Dining.
  • Travel.
  • Drug Stores and Pharmacies.
  • Home Improvement/Furnishings.
  • Note: You can change the choice category once every calendar month.
• 2% Cashback Categories:
  • 2% Cashback at Grocery Stores.
  • 2% Cashback at Wholesale Clubs.
• Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on All Other Purchases.

Redemption Options

• Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit to eligible Bank of America® or Merrill® accounts, or use it at Amazon.com and PayPal checkout.

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 the balance transfer offer, transfers must be completed 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.
• Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Bank Relationship Benefits:

• Boosted Rewards for Preferred Rewards Members: If you’re enrolled in Bank of America Preferred Rewards, you can earn 25% to 75% more points.
  • Up to 5.25% Cashback on the Choice Category.
  • Up to 3.50% Cashback on Grocery and Wholesale Clubs.
  • Up to 1.75% Cashback on All Other Purchases.
  • Note: Preferred Rewards bonuses do not apply to the 3% first-year bonus.

Additional Features

• Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay
• Account alerts available
• Paperless statements available
• Online & mobile banking access

Terms and Conditions

Click Apply Now to see the terms and conditions.

Related Card Options

• Susan G. Komen® Customized Cash Rewards: A good option if you want the same customizable cashback structure while supporting a charitable cause, without changing how the card works.
• Customized Cash Rewards for Students: A better fit for students or first-time cardholders who want customizable cashback with easier approval and no annual fee.

Welcome Offer

• Earn 140,000 bonus points after spending $4,000 in the first 3 months. That’s up to 4 nights at IHG Hotels & Resorts.

Rewards

• Up to 26x Points at IHG® Hotels and Resorts: 10x points for every $1 spent with the IHG One Rewards Premier Card + up to 10x points as an IHG One Rewards member + up to 6x point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
• 5x Points Categories: 
  • 5x Points at Gas Stations.
  • 5x Points on Dining.
  • 5x Points on Travel.
  • 5x Points on Select Business Purchases.
• 3x Points on All Other Purchases.
• Annual Bonus: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 in purchases each calendar year.
• Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Premier credit card.

Elite Hotel Status

• Platinum Elite Status in IHG One Rewards: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.

Fees and APR

• Annual Fee: $99.
• 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.

Redemption Options

• Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
• 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.

Travel Benefits

• Free Night Award Every Year: Enjoy a Free Night Award (valued up to 40,000 points) each calendar year. Certain hotels have resort fees.
• 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.
• Global Entry/TSA PreCheck®/NEXUS Fee Credit: Get up to $120 every four years for the application fee.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim.

Additional Features

• 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.

Related Cards

• Looking for a personal option? The IHG One Rewards Premier Credit Card offers similar IHG benefits without business features.

Welcome offer

• Earn 140,000 bonus points after spending $3,000 in the first three months. That’s up to 4 nights at IHC hotels and resorts.

Rewards

• Up to 26x Points at IHG® Hotels and Resorts: 10x points for every $1 spent with the IHG One Rewards Premier Card + up to 10x points as an IHG One Rewards member + up to 6x point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
• 5x Points Categories: 
  • 5x Points at Gas Stations.
  • 5x Points on Dining.
  • 5x Points on Travel.
• 3x Points on All Other Purchases.
• Annual Bonus: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 in purchases each calendar year.
• Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Premier credit card.

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

• Platinum Elite Status in IHG One Rewards: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.
• Diamond Elite Status: Spend $40,000 or more in a calendar year and, as the primary cardmember, you’ll earn Diamond Elite Status through December 31 of the following year.

Fees and APR

• Annual Fee: $99.
• 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.

Redemption Options

• Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
• 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.

Travel Benefits

• Free Night Award Every Year: Enjoy a Free Night Award (valued up to 40,000 points) each calendar year. Certain hotels have resort fees.
• 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.
• Global Entry/TSA PreCheck®/NEXUS Fee Credit: Get up to $120 every four years for the application fee.
• Up to $50 United® TravelBank Cash: Receive up to $50 in United® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your United Airlines MileagePlus® account.

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.

Additional Features

• 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.

Related Cards

• Business owners: If you’re looking to earn IHG rewards on business expenses, consider the IHG One Rewards Premier Business Credit Card, which offers similar hotel perks plus business-friendly features.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,500 in the first six months.

Rewards

• 5% Cashback on Top Eligible Category: Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. The eligible categories are Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
• 4% Cashback on Select Citi Travel®: Earn 4% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
• 1% Cashback on All Other Purchases.

Redemption Options

• Redeem points for cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or mailed check. You can also use them for gift cards and travel, or shop with points at Amazon.com, and more. Redemption rates may vary. Cash rewards do not expire.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
• 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: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 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.
• 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.
• 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.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• 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.
• 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.
• Citi® Quick Lock: Instantly block new purchases while allowing recurring transactions to continue without disruption.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Authorized Users: Add authorized users at no cost to maximize your earning potential.

Terms and Conditions

Click Apply Now to see the terms and conditions.

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 a $200 bonus after spending $500 in the first 3 months.

Rewards

• 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
• 5% Cashback on Chase Travel purchases.
• 3% Cashback Categories:
  • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 3% Cashback on Drugstore purchases.
• 1x Cashback on All Other 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.
• Cashback rewards never expire while your account remains open and in good standing.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening.
• Regular APR: After the introductory period, a variable APR of 18.24% - 27.74% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
• Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

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.
• 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.)

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.
• Cell Phone Protection: Get up to $800 per claim and $1,000 per year 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.

Additional Features

• Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• 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.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• 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.
• 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 a $200 bonus after spending $500 in the first 3 months.

Rewards

• 3% Cashback Categories:
  • 3% Cashback on Grocery Stores.
  • 3% Cashback on Dining.
  • 3% Cashback on Entertainment.
  • 3% Cashback on Select Streaming Services.
• 8% Cashback on Capital One Entertainment purchases.
• 5% Cashback on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
• 1% Cashback on All Other Purchases.

Redemption Options

• Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: For 12 months from account opening.
• Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: $3% of each transferred amount that posts to your account within the first 12 months of account opening.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: None.

Exclusive Offers

• Capital One Travel: Get access to great prices on thousands of travel options, even after you book.
• Capital One Entertainment: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
• Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
• Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
• 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
• Eno, Your Capital One Assistant: Eno monitors your account 24/7, sends alerts if something looks off, and can answer questions about your account instantly.
• Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.
• Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.
• Hertz Five Star® Status: Enjoy complimentary Hertz Five Star® status just for being cardholder. Skip the rental counter at selected locations, get access to a wider range of vehicle, and enjoy faster service and special upgrades when available.

Travel Benefits

• Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
• Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.
• Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.

Purchase Protections

• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

• Emergency card replacement and a cash advance.
• Instant Purchase Notifications: Stay on top of your spending with a push notification every time a purchase is approved on your account.
• Security Alerts: Get notified by text, email, or phone if Capital One detects potential suspicious activity on your account.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• CreditWise: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
• Recurring Transactions: Easily view a list of merchants that charge your card each month, such as subscriptions and recurring bills.
• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• 24/7 Customer Service.
• Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
• Automatic Credit Line Reviews: Be automatically considered for a higher credit line in as little as six months.
• 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.
• Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Related Card Options

• The Savor Rewards for Students card offers similar elevated cashback on dining, entertainment, and grocery purchases, with student-friendly approval requirements. It is designed for students who want straightforward rewards without an annual fee. 👉 View Savor Rewards for Students card details

Update - November 28, 2025: Bilt and Wells Fargo are ending their partnership. Beginning February 6, 2026, all existing Wells Fargo Bilt Mastercard® accounts will be converted to the Wells Fargo Autograph Visa. Cardholders will also have an option to transition to the new Bilt 2.0 Card, issued by Bilt’s new banking partner, or to close their account at any time.

Rewards

• Note: Use the card at least five times in each statement period to earn points and keep your rewards active.
• 1x Points on Rent: Earn points on your rent payments with no transaction fee, up to 100,000 points per year. If your rent is less than $250, you’ll still get 250 points for that payment. You can make rent payments to one rental property each month.
• 2x Points on Travel.
• 5x+ Points on Bilt Neighborhood Dining Partners.
• 3x Points on on Other Dining.
• 1x Points on All Other Purchases.
• Double Points: Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on other purchases (except rent), up to 1,000 points per month.

Partner Benefits

• Lyft Credits: Receive a $5 Lyft credit after paying for 3 Lyft rides in a calendar month with your card.
• 5x Points on Lift Rideshare.
• 2x+ Points on Walgreens spend.

Bilt Elite Status

• Bilt Rewards Status: Points earned with the Bilt Mastercard will count towards your Bilt Rewards status.

Redemption Options

• Redeem Bilt points to cover your next month rent payment or save your points and put them towards a down payment. You also can redeem your points for travel and fitness, or shop at the Bilt Collection and Amazon.com, and more. Redemption rates may vary.
• 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.

Fees and APR

• Annual Fee: $0.
• Regular APR: 20.24% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Trip Cancellation & Interruption Insurance: Get reimbursed up to $5,000 per trip for the nonrefundable cost of your ticket if your trip is canceled or cut short for a covered reason.
• Trip Delay Reimbursement: If your trip is delayed by more than six hours, you can get reimbursed for eligible expenses like meals or lodging, up to $200 per day per traveler, with a maximum of $1,800 for all covered travelers.
• 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 $50,000.
• Concierge Service: Get a personal assistant available 24/7 to help with travel, dining, gifts, and special plans. From reservations to trip prep, experts take care of the details so you can save time and enjoy more.
• Other Travel Benefits: : Includes Mastercard Global Service™, Mastercard Travel and Lifestyle Services, and Mastercard Golf.

Purchase Protections

• Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim and $50,000 per calendar year per account.
• Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

Exclusive Offers

• The Bilt Collection: Get exclusive access to a hand-curated catalog of art, decor, and apparel, all inspired by each month’s featured artist.

Additional Features

• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• BiltProtect: Pay rent without using your credit limit by pulling the payment directly from your linked bank account. You’ll still earn 1X points on rent, up to 100,000 points per year. Just use your card five times per statement period to earn points. Terms apply.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 125,000 bonus points after spending $6,000 in the first three months.

Rewards

• 8x Points on All Chase Travel Purchases, including The Edit℠.
• 4x Points on Flights booked directly with the airline.
• 4x Points on Hotels booked directly with the hotel.
• 3x Points on Dining.
• 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.
• Lyft: Earn 5x Points on Lyft rides through September 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).
• $120 Annual Peloton Membership Credit: Get up to $10 per month in statement credits for Peloton Membership purchases, up to $120 per calendar year through December 31, 2027.
• Peloton: Earn 10x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 50,000 points. Offer valid through December 31, 2027.
• $300 Annual StubHub Credit: Get up to $300 back each year for purchases with StubHub and viagogo, up to $150 from January through June, and up to $150 from July through December. Credits are automatically applied through December 31, 2027.
• Complimentary Apple TV+: Enjoy one free Apple TV+ subscription through June 22, 2027.
• Complimentary Apple Music: Enjoy a free Apple Music individual subscription through June 22, 2027.

Lounge Access

• $469 Priority Pass™ Select Membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
• Chase Sapphire Lounge by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere. To access these lounges, Sapphire Reserve cardmembers should enroll in their complimentary Priority Pass™ Select membership.
• Air Canada Lounges: Sapphire Reserve cardmembers enjoy access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe. Simply present your Sapphire Reserve card and a same-day boarding pass for a Star Alliance flight. Exclusions apply.

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. For example, 1,000 Chase Ultimate Rewards points equals 1,000 partner miles/points.
• Points Boost: Get up to 2x more value on thousands of top-booked hotels (including The Edit) and select airline flights when you redeem through Chase Travel℠.

Fees and APR

• Annual Fee: $795, with an additional $195 per year for each authorized user.
• Regular APR: 19.49% - 27.99% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• $300 Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
• IHG One Rewards Platinum Elite Status: Enjoy automatic Platinum Elite status in IHG One Rewards through December 31, 2027.
• $500 Credit for Stays with The Edit: Get up to $500 in statement credits each year for purchases with The Edit by Chase Travel, 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.
• Reserve Travel Designer Benefit: Get personalized, expert help from a Chase Travel advisor to plan and book unforgettable trips tailored to your style and preferences.
• Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
• 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.
• 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

• Reserved by Sapphire℠: Enjoy VIP access to exclusive sports, festivals, dining, and entertainment experiences, including exclusive lounges, early ticket sales, premium seating, and more.
• Sapphire Reserve® Exclusive Tables: Enjoy access to highly sought-after dining experiences at top restaurants in major U.S. cities. This includes held reservations at over 275 premier spots through the Visa Dining Collection on OpenTable, curated by The Infatuation.
• The Infatuation Partnership: Get curated restaurant guides from The Infatuation and enjoy exclusive access to EEEEEATSCON, a unique food festival experience available only to Chase customers.

Additional Features

• $300 Annual Dining Credit: Get up to $300 in dining credits each year, up to $150 from January through June, and up to $150 from July through December. Statement credits apply automatically at select restaurants.
• 24/7 Customer Service.

$75,000 Spend Benefits

As the primary cardmember, you’ll unlock the exclusive benefits below after spending $75,000 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.
• $250 Credit for The Shops at Chase:: Earn up to $250 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.