Terms shown here may not reflect the issuer's current offer - always confirm details on their site before applying.
Annual fee$95/year
Foreign transaction feeNone
Typical approval oddsGood to excellent credit
Where it earns the most
Dining3x points
Travel via portal5x points
Streaming3x points
Online groceries3x points
Everything else1x points
Gas3x points
Signup bonus
75,000 points after spending $5,000 in the first 3 months.
Issuer rules that affect approval
VELOCITY LIMIT
5/24 rule
Redemption notes
Points worth 25% more via Chase travel portal; transferable 1:1 to most airline/hotel partners, but World of Hyatt transfers were devalued to 4:3 in 2026.