Highlights
- Earn 3x on the first USD 150,000 in combined purchases in selected business categories each account anniversary year.
- No foreign transaction fee; employee Cards have no additional fee and can have individual spending limits.
- Chase Ultimate Rewards® points can be redeemed for cash, gift cards and travel, or transferred to participating frequent-travel programmes.
- Includes cell-phone, trip cancellation/interruption and rental-car protection, along with several travel and purchase benefits.
Issuer: Chase
Network: Visa
Card type: Credit card
Annual fee: USD 95 for the Basic Card; no additional fee for employee Cards
Foreign transaction fee: None
The Card earns Chase Ultimate Rewards® points. Cash, gift-card and Chase Travel redemptions are valued at 100 points = USD 1; points can also be transferred to participating frequent-travel programmes under the current rules, while other redemption values vary.
Welcome offer
[Updated August 26, 2026] Record-high 100,000 Ultimate Rewards points:
- Spend USD 8,000 during the first three months. Chase says to allow six to eight weeks after qualifying for the points to post; the account must remain open and not in default when the bonus is issued.
- Balance transfers, cash advances, cash-like transactions including travellers cheques, foreign currency, money orders, wires and cryptocurrency, gambling, person-to-person or account-funding transactions, cheques accessing the account, interest, fees and unauthorized or fraudulent transactions do not count. Returns and refunds reduce qualifying purchases.
- Someone who has held this Card before may not be eligible for the welcome bonus. Chase may also consider other business-related factors. The offer can vary by application channel, including online and branch applications; rely on the terms shown on the application page.
Eligibility: The business must be headquartered in the 50 U.S. states or Washington, D.C. Beneficial owners and employee Cardmembers must have an eligible U.S. residential or military address.
Apply through the referral link 🔗
Past welcome offers
[Updated December 11, 2025] A relatively strong 100,000-point offer:
- Spend USD 8,000 during the first three months
The Card has also offered 90,000 points and, at one point, a record-high 120,000 points.
Everyday earning
5x: Eligible Lyft products and services. Purchases through the Lyft mobile app earn 5x through September 30, 2027. Chase describes 2x of this as promotional points added to the travel-category earn. Gift cards, car rentals, vehicle service centres, miscellaneous fees and certain other Lyft products are excluded.
3x: Shipping, social-media and search-engine advertising, travel, and internet/cable/phone services. The first USD 150,000 in combined purchases in an account anniversary year earns 3x; purchases after the cap return to 1x. Travel includes flights, hotels, car rentals, train tickets and taxis, but the merchant category is determined by Chase.
1x: Other eligible purchases. There is no cap. Purchases in the listed 3x categories also return to 1x after the combined USD 150,000 limit is reached.
All points are calculated on eligible purchases net of returns and refunds. Cash advances, cash-like transactions, gambling, cheques, interest and fees do not earn points.
Benefits and insurance
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DashPass and monthly DoorDash discount
Until December 31, 2027, the primary Cardmember and employee Cardmembers can activate at least 12 months of DashPass on DoorDash or Caviar with a U.S. address and set this Card as the default payment method. Eligible orders must still be paid with the Card at checkout. After activation, each calendar month you can receive up to USD 10 off one qualifying non-restaurant DoorDash order. The discount applies only to the subtotal, excludes taxes and tips, does not roll over and is for U.S. use only.
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Employee Cards
Employee Cards have no additional fee, can have individual spending limits and can earn points for the account. The authorizing officer and business remain responsible for all purchases and repayment by the officer, employees and other authorized users.
Travel insurance
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Auto Rental Coverage
Pay the full rental with this Card or eligible rewards and decline the rental company’s CDW/LDW. Worldwide theft and collision coverage is up to USD 60,000. Business rentals in the U.S. are primary; personal U.S. rentals are generally secondary unless no other insurance exists; outside the U.S., coverage is primary where available. Rentals may last no more than 31 consecutive days. Vehicles with an MSRP above USD 125,000, exotic cars, motorcycles, rentals with a driver, some vans and large passenger vehicles are among the exclusions. Report an accident or theft within 100 days and submit documents within 365 days.
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Baggage Delay Insurance
After paying all or part of the common-carrier fare with the Card or rewards, checked baggage delayed or misdirected for more than six hours can qualify for essential items. Coverage is up to USD 100 per day for five days and is secondary. Report the problem to the carrier before leaving the airport or station, submit a claim within 20 days and provide documents within 90 days.
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Lost Luggage Reimbursement
After paying all or part of the common-carrier fare with the Card or rewards, secondary reimbursement can cover the gap after the carrier’s payment. The limit is USD 3,000 per covered traveller per trip, with USD 500 sublimits for jewellery/watches and cameras/other electronics. Report the loss, damage or theft within the carrier’s deadline; claims are due within 20 days and documents within 90 days.
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Travel Accident Insurance
After paying all or part of the common-carrier fare with the Card or rewards, accidental death or qualifying loss of limb, sight, hearing or speech can be covered. Common-carrier travel accident coverage is up to USD 500,000 per person and 24-hour travel accident coverage is up to USD 100,000; only the larger applicable amount is paid for one accident. Trips are generally covered for up to 30 days. Claim within 20 days and submit documents within 90 days.
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Travel and Emergency Assistance
Travellers can access 24/7 medical, legal, emergency-message, emergency-transport, lost-ticket or baggage, translation, prescription and pre-trip referral assistance. This is an assistance service, not reimbursement insurance; the traveller pays for actual medical, legal, transportation, cash-advance, medication and other goods or services.
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Trip Cancellation and Interruption Insurance
After paying all or part of prepaid trip costs with the Card or rewards, non-refundable expenses may be covered when a listed reason occurs, including death, illness or accidental injury of a covered traveller or companion, certain severe weather or named-storm warnings, military orders, jury duty or subpoena and qualifying home damage. The limit is the lowest of the amount paid or redeemed, USD 5,000 per covered traveller, USD 10,000 per trip or USD 20,000 per account in 12 months. The maximum trip length is 60 days. Voluntary changes, defined pre-existing conditions, pandemic or border-closure cancellations, supplier insolvency and events occurring before booking are excluded. Report within 20 days and submit documents within 90 days.
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Trip Delay Reimbursement
After paying all or part of the common-carrier fare with the Card or rewards, a delay of more than 12 hours or requiring an overnight stay because of equipment failure, bad weather, a strike or hijacking can qualify for reasonable meals, accommodation, toiletries and medication. The limit is USD 500 per covered traveller per trip and coverage is secondary. Report within 60 days and submit documents within 100 days.
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Roadside Assistance
In the U.S. and Canada, arrange roadside assistance 24/7 without membership or pre-enrolment. This is a pay-per-use service, not free insurance. The provider discloses the fee before dispatch; standard towing is up to five miles, with possible tyre changes, battery assistance, fuel delivery, lockout help and standard winching. The traveller pays for mileage or services beyond the limits.
Purchase insurance
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Cell Phone Protection
Pay the entire monthly cellular-service bill with the Card. An eligible phone listed on that bill can be covered for damage, theft or involuntary accidental loss. The benefit is the lower of repair cost or current replacement value, less a USD 100 deductible, up to USD 1,000 per claim. Up to three claims can be paid in 12 months, and coverage is secondary. Claim within 60 days and submit documents within 90 days; criminal theft requires a police report within 48 hours. Mechanical or battery failure, unexplained loss, cosmetic damage, damage that does not affect function, rented or prepaid-plan phones and accessories are excluded.
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Purchase Protection
An eligible new item paid partly or fully with the Card or rewards is covered for theft, damage or involuntary accidental parting for 120 days after purchase, or 90 days for New York residents. The limit is USD 10,000 per item and USD 50,000 per account. Coverage is secondary, so other insurance or recovery sources must be used first. Used or resale items, software, motor vehicles and accessories, plants and animals, antiques and collectibles, cash and tickets, items in a common carrier’s care during shipment, normal wear, inherent defects and mysterious disappearance are excluded. Report within 90 days and submit documents within 120 days.
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Extended Warranty Protection
When an eligible item is paid partly or fully with the Card or rewards and has a valid U.S. manufacturer’s repair warranty, a manufacturer warranty or combined manufacturer, store and purchased-service coverage of three years or less can be extended by one year, up to four years total. The limit is USD 10,000 per item and USD 50,000 per calendar year, based on the lower of repair cost, replacement cost or the amount charged or redeemed. Cars, boats, aircraft and other motor vehicles and accessories, resale or rental goods, software, medical equipment and used goods are excluded. Report within 90 days and submit documents within 120 days.
