Terms checked 2026-10-19
The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.
100,000 pts bonus (≈$2,050)AF: $795Rating: 9.2/10
Chase
The biggest card issuer in the US and home of Ultimate Rewards, the most beginner-friendly transferable currency thanks to Hyatt, United and Southwest.
Application Rules
- ▸5/24 rule: 5+ new personal cards across all banks in 24 months = automatic denial on most Chase cards
- ▸Sapphire bonuses: one bonus per Sapphire card per 48 months
- ▸Business cards don't count toward your 5/24 total
- ▸1-2 Chase applications per 30 days is the safe velocity
Tracked Chase Cards
Terms checked 2026-10-26
The best first travel card in the game. Full transfer partner access for $95.
75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Terms checked 2026-11-02
1.5x on everything, and a points multiplier when paired with a Sapphire.
20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
Chase Freedom FlexChase
Terms checked 2026-10-26
5% rotating categories that turn into 5x transferable points in the right setup.
20,000 pts bonus (≈$200)AF: $0Rating: 8.2/10
Terms checked 2026-11-02
A six-figure welcome offer plus 3x on core travel and business spending.
100,000 pts bonus (≈$2,050)AF: $95Rating: 9.1/10
Terms checked 2026-11-02
A flat-rate no-fee business card with a record-high $1,000 public offer.
100,000 pts bonus (≈$1,000)AF: $0Rating: 8.7/10
Terms checked 2026-11-02
5x at office supply stores, and gift card racks live at office supply stores.
100,000 pts bonus (≈$1,000)AF: $0Rating: 8.5/10
Terms checked 2026-10-26
The only hotel card whose free night reliably beats the annual fee.
60,000 pts bonus (≈$1,020)AF: $95Rating: 8.8/10
United Explorer CardChase
Terms checked 2026-10-26
Free bags, expanded award space, and two lounge passes a year.
60,000 pts bonus (≈$720)AF: $150Rating: 8.0/10
Terms checked 2026-10-12
An annual 35k free night certificate for a $95 fee, and three 50k free nights to start.
150,000 pts bonus (≈$1,200)AF: $95Rating: 7.9/10
United Quest CardChase
Terms checked 2026-10-12
The middle child of the United lineup, with enough credits to cover the fee for regular flyers.
90,000 pts bonus (≈$1,080)AF: $350Rating: 8.3/10
United Club CardChase
Terms checked 2026-10-12
A United Club membership with a card attached. The 2025 refresh raised the fee and stacked on credits.
100,000 pts bonus (≈$1,200)AF: $695Rating: 8.1/10
Terms checked 2026-10-19
The top personal Southwest card, rebuilt around free bags and assigned-seat upgrades.
60,000 pts bonus (≈$810)AF: $229Rating: 7.8/10
Terms checked 2026-10-12
The cheapest door into Southwest points and the Companion Pass.
50,000 pts bonus (≈$675)AF: $99Rating: 7.8/10
Terms checked 2026-10-12
A big launch bonus, a 50k anniversary night, and the fourth award night free.
180,000 pts bonus (≈$1,080)AF: $150Rating: 8.2/10
Aeroplan Credit CardChase
Terms checked 2026-10-26
The only US card that earns one of the best Star Alliance currencies directly.
60,000 pts bonus (≈$840)AF: $95Rating: 8.0/10
Prime VisaChase
Terms checked 2026-10-19
5% back on Amazon and Whole Foods, no annual fee beyond your Prime membership.
$150 bonus (≈$150)AF: $0Rating: 8.1/10
Chase Freedom RiseChase
Terms checked 2026-10-12
Chase's front door for first-time cardholders. 1.5% on everything while you build history.
2,500 pts bonus (≈$25)AF: $0Rating: 7.5/10
Terms checked 2026-10-19
A palladium-faced Sapphire Reserve for J.P. Morgan Private Bank clients. Same benefits, heavier metal.
Special bonusAF: $795Rating: 7.0/10
Full ReviewInvite Only
United Gateway CardChase
Terms checked 2026-10-12
United miles with no annual fee and no FTF.
40,000 pts bonus (≈$480)AF: $0Rating: 6.9/10
Terms checked 2026-11-09
The middle child of the Southwest lineup, now with a free checked bag and a $149 fee.
55,000 pts bonus (≈$743)AF: $149Rating: 7.8/10
Terms checked 2026-11-09
The biggest Southwest bonuses live on the business side.
80,000 pts bonus (≈$1,080)AF: $299Rating: 8.1/10
Terms checked 2026-10-26
A legacy luxury card closed to direct applications, with unusually durable Marriott perks.
Special bonusAF: $450Rating: 8.5/10
Full ReviewInvite Only
Terms checked 2026-10-23
A $795 business travel card with a large spending requirement, selective credits and dated reward changes
200,000 pts bonus (≈$4,100)AF: $795Rating: 8.6/10
Terms checked 2026-10-23
2.5% cash back on individual purchases of $5,000 or more, with a $195 annual fee
100,000 pts bonus (≈$1,000)AF: $195Rating: 7.4/10
United Business CardChase
Terms checked 2026-10-12
The Explorer's business sibling, refreshed in 2025 with a deeper credit stack.
100,000 pts bonus (≈$1,200)AF: $150Rating: 8.2/10
Terms checked 2026-10-12
A full United Club membership on the business side, with a fee that tripled to match.
100,000 pts bonus (≈$1,200)AF: $695Rating: 7.9/10
Terms checked 2026-10-12
The lighter Southwest business card, and a clean second bonus toward the Companion Pass.
80,000 pts bonus (≈$1,080)AF: $149Rating: 7.7/10
Marriott Bonvoy BoldChase
Terms checked 2026-10-12
The free way to keep Marriott points alive and bank elite nights.
45,000 pts bonus (≈$360)AF: $0Rating: 6.8/10
Terms checked 2026-10-12
Gold status and big earn rates, but no annual free night to anchor the fee.
85,000 pts bonus (≈$680)AF: $250Rating: 7.0/10
Terms checked 2026-10-12
More Hyatt points for the best hotel currency, with flexible quarterly bonus categories.
70,000 pts bonus (≈$1,190)AF: $199Rating: 7.8/10
Terms checked 2026-10-12
Six-figure point bonuses and a fourth night free, on a card that costs nothing.
125,000 pts bonus (≈$750)AF: $0Rating: 7.6/10
Terms checked 2026-10-12
Platinum status, a 50k anniversary night and a second one at $60k of spend, on the business side.
190,000 pts bonus (≈$1,140)AF: $200Rating: 7.9/10
Chase Slate EdgeChase
Terms checked 2026-10-12
Chase's no-fee credit-building card for fair credit, open again under the Slate Edge name.
Special bonusAF: $0Rating: 6.0/10
Amazon VisaChase
Terms checked 2026-10-12
The Prime Visa without the Prime: 3% at Amazon, no membership required.
$50 bonus (≈$50)AF: $0Rating: 7.0/10
Instacart MastercardChase
Terms checked 2026-10-12
5% back on grocery delivery for households that live on Instacart.
$50 bonus (≈$50)AF: $0Rating: 6.5/10
Terms checked 2026-10-12
4% on delivery and 3% on dining, built for people who outsource dinner.
Special bonusAF: $0Rating: 7.0/10
Terms checked 2026-10-12
Avios for short-haul sweet spots, plus the famous Travel Together companion ticket.
75,000 pts bonus (≈$1,050)AF: $95Rating: 7.5/10
Terms checked 2026-10-12
The Ireland specialist of the Avios trio, with cheap transatlantic award math.
75,000 pts bonus (≈$1,050)AF: $95Rating: 6.9/10
Terms checked 2026-10-12
Avios with a Spanish accent and a $1,000 flight discount for big spenders.
75,000 pts bonus (≈$1,050)AF: $95Rating: 6.9/10
Disney Visa CardChase
Terms checked 2026-10-12
Park perks and character meet-and-greets, with rewards as an afterthought.
15,000 pts bonus (≈$150)AF: $0Rating: 6.5/10
Terms checked 2026-10-12
The Disney card with actual earn rates, for households funding an annual pilgrimage.
30,000 pts bonus (≈$300)AF: $49Rating: 6.8/10
Historical card
Historical card record. See the dated review and offer history.
Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application
VisaSapphire
Personal · No AF
Editorial illustration
Historical card
Historical card record. See the dated review and offer history.
Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application
Historical card
Historical card record. See the dated review and offer history.
Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application
Historical card
Historical card record. See the dated review and offer history.
Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application
Chase SlateChase
Terms checked 2026-10-12
The Slate name returns with 21 months of 0% APR and nothing else.
Special bonusAF: $0Rating: 6.8/10