Best Chase Credit Cards

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Chase Sapphire Preferred® Card

ChaseChase Ultimate Rewards

Annual fee: $95
Our valuation: $1,538Milesopedia first-year estimate First-year valueWelcome bonus$1,538Total$1,538Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,538Total$1,538Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 75,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
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.
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

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Rewards: Rate
Restaurants: 3x
Streaming: 3x
Gas & EV: 3x
Travel: 2x

Benefits
NEXUS: $120

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $500 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (primary): $60,000 · 31 days

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Pros

Welcome bonus of 75,000 points
3x at restaurants

Cons

Fewer premium perks

Unlock Travel Rewards with the Chase Sapphire Preferred^® Credit Card

75,000 bonus points after spending $5,000 in the first 3 months
5X points on travel booked through Chase Travel℠
3X points on dining, select streaming services and online grocery purchases
2X points on all other travel
1X point on all other purchases
$50 annual hotel credit through Chase Travel℠
10% anniversary points boost on prior year’s spend
No foreign transaction fees
$95 annual fee

Make every trip count with flexible redemption options—transfer points 1:1 to top airline and hotel partners or boost their value when booking through Chase. Enjoy built‑in travel protections like trip cancellation/interruption insurance, primary rental car coverage and lost luggage reimbursement, plus seamless account management via the Chase mobile app. Whether you’re a frequent flyer or planning your next getaway, the Chase Sapphire Preferred^® delivers premium perks at an approachable price.

Terms apply. Bonus offer requires minimum spend. Annual fee applies. See Chase for full details.

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Ink Business Unlimited® Credit Card

BusinessChaseCash Back

Annual fee: $0
Our valuation: $1,000Milesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: $1,000

Features
Issuer: Chase
Network
Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 3 %

Issuer terms

Earn $1,000 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
No Annual Fee
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.
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.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

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Travel insurance: Coverage
Delayed Baggage: $300
Lost Baggage: $3,000
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

No annual fee
Welcome bonus of $1,000

Cons

Fewer premium perks

Power Your Business with the Chase Ink Business Unlimited℠ Credit Card

$1,000 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening
1.5% unlimited cash back on every purchase, with no caps or category tracking
0% intro APR on purchases for 12 months to finance big expenses interest‑free
No annual fee and free employee cards with customizable spending limits
3% foreign transaction fee on purchases made abroad

Whether you’re stocking inventory, paying vendors or covering travel costs, earn a flat 1.5% back on every dollar without the hassle of bonus categories. Enjoy a generous welcome offer, a long 0% APR period to smooth out cash flow, and seamless account management in the Chase Mobile^® app. Combine your cash back with other Chase business cards to boost your rewards earning even further.

Terms apply. Bonus cash back awarded after meeting the spend requirement. Regular APR applies after intro period. See issuer’s site for full details.

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Ink Business Premier® Credit Card

BusinessChaseCash Back

Annual fee: $195
Our valuation: $1,000Milesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: $1,000

Features
Issuer: Chase
Network
Program: Cash Back

Fees and terms
Annual Fee: $195/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 3 %

Issuer terms

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Unlimited 5% total cash back on travel purchased through Chase TravelSM.
No Foreign Transaction Fees & includes Trip Cancellation/Trip Interruption Insurance.
Only business credit card with 2.5% cash back on every purchase of $5,000+.
Pay In Full each month but Flex for Business feature lets qualifying purchases be paid over time with interest.
Fraud Protection, Zero Liability, Purchase Protection, Cell Phone Protection, Extended Warranty Protection.
Employee cards at no additional cost (monitor spend with digital tools).
Member FDIC

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Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of $1,000
2x on groceries
2x at restaurants

Cons

High annual fee ($195)

Maximize Big‑Ticket Spend with the Chase Ink Business Premier^® Card

$1,000 bonus cash back when you spend $10,000 on purchases in your first 3 months
2.5% cash back on every purchase of $5,000 or more
2% cash back on all other business purchases
5% cash back on travel booked through Chase Travel℠
$195 annual fee
No foreign transaction fees
Flex for Business^® lets you pay qualified purchases of $500+ over time
Built‑in protections: trip cancellation/interruption, baggage delay, purchase, cell phone and fraud protection
Employee cards at no additional cost with spend controls & real‑time alerts

Ideal for businesses with large recurring expenses, this card delivers enhanced cash back on big purchases and valuable travel rewards—easily offsetting its annual fee. Manage everything in one intuitive dashboard, enjoy flexible payment options for qualifying charges and protect your purchases with comprehensive coverage.

Terms apply. Approval subject to creditworthiness. See issuer for full details.

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Sapphire Reserve for Business℠

BusinessChaseChase Ultimate Rewards

Annual fee: $795
Our valuation: $4,400Milesopedia first-year estimate First-year valueWelcome bonus$4,100Annual credit$300Total$4,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$4,100Annual credit$300Total$4,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 200,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

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Rewards: Rate
Travel: 4x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $75,000 · 31 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($795)

Elevate Your Business Travel with the Chase Sapphire Reserve for Business℠

200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening
8x points on Chase Travel℠ for airline tickets, hotels including The Edit℠, car rentals, cruises, activities and tours
5x total points on Lyft rides through 9/30/27
4x points on flights & hotels booked direct
3x points on social media & search engine advertising
1x point on all other purchases
Up to $300 in statement credits each anniversary year on travel purchases
Chase Sapphire Lounge® by The Club and Priority Pass™ Select — two guests may accompany the Primary Cardmember free of charge
$795 annual fee

Access more than $7,000 in total business and travel value in your first year: 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.

Terms apply. See issuer for complete details and eligibility.

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IHG® One Rewards Premier Credit Card

ChaseIHG Rewards

Annual fee: $99
Our valuation: $840Milesopedia first-year estimate First-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer! Earn 140,000 Bonus Points
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Credit Card

Limited Time Offer: Earn 140,000 Bonus Points with the IHG One Rewards Premier Credit Card after spending $3,000 on purchases in your first 3 months from account opening!

The IHG One Rewards Premier Credit Card delivers exceptional value that extends well beyond its annual fee. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years

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IHG® One Rewards Premier Business Credit Card

BusinessChaseIHG Rewards

Annual fee: $99
Our valuation: $840Milesopedia first-year estimate First-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer: Earn up to 200,000 Bonus Points. Earn 140,000 points after spending $4,000 on purchases in the first 3 months from account opening, and earn an additional 60,000 points after spending a total of $9,000 in the first 6 months as a cardholder.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

Read full review

Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Business Credit Card

Welcome Offer: Earn up to 200,000 Bonus Points with the IHG One Rewards Premier Business Credit Card after meeting spending requirements.

The IHG One Rewards Premier Business Credit Card delivers exceptional value for business owners. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Business Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years

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The New United℠ Business Card

BusinessChase United MileagePlus

Annual fee: $150
Our valuation: $1,320Milesopedia first-year estimate First-year valueWelcome bonus$1,320Total$1,320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,320Total$1,320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 110,000 miles

Features
Issuer: Chase
Network
Program: United MileagePlus

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
$150 Annual Fee.
NEW! 8x total miles on eligible United flights.
2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag – a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
NEW! Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC

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Rewards: Rate
Gas & EV: 2x
Restaurants: 2x
Transit: 2x
Office: 2x
United flights: 2x

Benefits
Airport lounges: 2 visits/yr
Annual credit: $125/yr
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

Read full review

Pros

Welcome bonus of 110,000 miles
2x at restaurants

Cons

Fewer premium perks

Optimize Your United Flying with The New United℠ Business Card

Up to 110,000 bonus miles + 2,000 Premier Qualifying Points after $5,000 in purchases within 3 months
2X miles on United flights, dining (incl. delivery), gas stations, office supplies and local transit
1X mile on all other purchases
Free first checked bag for you and a companion on United flights
Two United Club one-time passes each year
Priority boarding for you and your traveling party
$125 United travel credit after five $100 United flight purchases per calendar year
Employee cards at no additional cost, with miles pooled into your account
No foreign transaction fees
$150 annual fee

Perfect for small‑business owners who fly United often, this card combines generous bonus miles, valuable travel perks and seamless account management via the Chase app. Elevate every trip with complimentary credits, lounge access and priority services tailored to your needs.

Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.

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Ink Business Preferred® Credit Card

BusinessChaseChase Ultimate Rewards

Annual fee: $95
Our valuation: $2,050Milesopedia first-year estimate First-year valueWelcome bonus$2,050Total$2,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$2,050Total$2,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 100,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
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
Earn 5x total points on Lyft rides through 9/30/27.
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
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

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Rewards: Rate
Travel: 3x

Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 100,000 points

Cons

Fewer premium perks

Maximize Business Travel Rewards with the Chase Ink Business Preferred^® Credit Card

100,000 bonus points after spending $8,000 in the first 3 months
3X points per $1 on the first $150,000 spent on travel and select business categories annually
1X point per $1 on all other purchases
1:1 transfers to leading airline and hotel loyalty programs
Primary rental car coverage and trip cancellation/interruption protection
$95 annual fee
No foreign transaction fees

Reward everyday business spend—from shipping and advertising to telecom and travel—with elevated earning rates and seamless redemptions. Combine points across your Chase portfolio, redeem them for 1.25¢ each toward travel booked through Chase Travel℠, or transfer them to more than a dozen top loyalty partners. Stay in control with an intuitive dashboard, real‑time alerts and powerful digital tools built for busy entrepreneurs.

Terms apply. Bonus points require $8,000 spend in 3 months. Rewards cap at 150,000 bonus-category points per anniversary year. See issuer for full details.

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Chase Sapphire Reserve®

ChaseChase Ultimate Rewards

Annual fee: $795
Our valuation: $2,350Milesopedia first-year estimate First-year valueWelcome bonus$2,050Annual credit$300Total$2,350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$2,050Annual credit$300Total$2,350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 100,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Additional card: $195
Min. annual income: —

Issuer terms

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years.
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC

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Rewards: Rate
Travel: 4x
Restaurants: 3x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (primary): $75,000 · 31 days

Read full review

Pros

Welcome bonus of 100,000 points
3x at restaurants

Cons

High annual fee ($795)

Experience Luxury Travel with the Chase Sapphire Reserve^® Credit Card

125,000 bonus points after $6,000 in purchases in the first 3 months
8X points on travel booked through Chase Travel℠; 4X points on direct airline and hotel bookings
3X points on dining and eligible delivery services; 1X point on all other purchases
$300 annual travel credit automatically applied to travel purchases
Complimentary lounge access with Priority Pass^™ Select and Chase Sapphire Lounges for you +2 guests
Up to $300 in annual credits for dining at Exclusive Tables and stays with The Edit
$120 Global Entry/TSA PreCheck^® credit every four years
No foreign transaction fees
$795 annual fee

From premium lounge retreats to robust trip protections—cancellation, interruption, auto rental and baggage insurance—this card lets you travel with confidence. Manage your account seamlessly in the Chase app, tap to pay with contactless security, and let automatic credits offset the annual fee for high‑value perks all year long.

Terms apply. See issuer for complete details and eligibility.

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IHG® One Rewards Traveler Credit Card

ChaseIHG Rewards

Annual fee: $0
Our valuation: $480Milesopedia first-year estimate First-year valueWelcome bonus$480Total$480Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$480Total$480Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 80,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 80,000 Bonus Points after spending $2,000 in the first 3 months from account opening.
No Annual Fee
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
Member FDIC

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Rewards: Rate
Gas & EV: 3x
Restaurants: 3x
Bills & recurring payments: 3x

Read full review

Pros

No annual fee
Welcome bonus of 80,000 points
2x on groceries
3x at restaurants

Cons

Fewer premium perks

Maximize Your Stays with the IHG One Rewards Traveler Credit Card

80,000 bonus points after spending $2,000 within the first 3 months
Up to 17x points per $1 on IHG hotel stays
3x points on monthly bills, gas and restaurants
2x points on all other purchases
No annual fee and no foreign transaction fees
4th night free on award stays of 4 or more consecutive nights

Whether you’re planning a weekend escape or a cross‑country journey, this card delivers plentiful points on every stay and everyday spend. Use your bonus points for multi‑night stays at top IHG brands—InterContinental, Crowne Plaza, Kimpton, Holiday Inn and more—while enjoying the freedom of zero fees. Manage your rewards seamlessly in the Chase app, and enjoy automatic IHG One Rewards enrollment, intuitive digital tools and 24/7 customer support.

Terms apply. Welcome bonus requires minimum spend. Points values and earning rates vary by hotel brand. See full terms for details.

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Complete Guide

Compare all Chase credit cards — Sapphire, Freedom, Ink, and more.

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

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