Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2025.9 Replace: The $900 supply comes again. HT: DoC.

2024.3 Replace: The $900 supply is expired. The present supply is $750.

2023.9 Replace: There’s a $900 supply hyperlink now, act quick earlier than it dies! HT: DoC. [Update] The official supply is now additionally $900.

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Advantages

1. 90k supply: earn 90,000 Final Rewards (UR) factors after spending $6,000 throughout the first 3 months of card membership. That is one of the best supply on this card.
2. Though this card is marketed as a money again card, it really earns UR factors. We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see under for a quick introduction. So the 75k sign-up bonus may very well be price about $1,200.
3. Earn 5x UR per $1 spent on the primary $25,000 spent in mixed purchases at workplace provide shops and on mobile phone, landline, web and cable TV companies every account anniversary yr. You probably have a enterprise that may max out these classes, that’s 125,000 UR per yr!
4. Earn 2x UR on gasoline and restaurant on the primary $25,000 spent every year. Earn limitless 1x UR per $1 spent on all different purchases.
5. Buy Safety – Covers your new purchases for as much as 120 days towards harm or theft as much as $10,000 per declare and $50,000 per account.
6. Main automobile rental insurance coverage. HOWEVER, except you’ll be able to show that you’re touring on enterprise (which you may be required to do within the case of a declare), you may be higher utilizing the first automobile rental insurance coverage on the Chase Sapphire Most popular or the Chase Sapphire Reserve.
7. Refer a buddy: You possibly can earn 10,000 bonus UR factors for each authorised account you refer, as much as a most of 5 authorised referrals (50,000 UR factors) per calendar yr.
8. No annual charge.

Disadvantages

1. It has overseas transaction charge, so it isn’t a good selection exterior the US.

Introduction to UR Factors

• You possibly can earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), and so on.
• You possibly can transfer your UR factors from one UR card to a different at any time.
• UR factors by no means expire. You’ll lose the UR factors on one card for those who shut the account, however you’ll be able to forestall dropping your UR factors by shifting the factors to a different UR card beforehand.
• You probably have Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors may be transferred to some lodge factors. Among the finest method to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors will also be transferred to some airline miles. Probably the most frequent and greatest method to make use of UR factors is to 1:1 switch them to United Airways (UA) miles (Star Alliance), and mix them with the UA miles earned from the UA card. Different good choices are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), and so on. If you happen to use UR factors on this method, the worth is about 1.6 cents/level.
• You probably have Chase Sapphire Reserve (CSR), you’ll be able to redeem your UR factors for as much as 2.0 cents/level in the direction of air tickets or motels on Chase Journey with the “Factors Enhance” function; if in case you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), the worth is as much as 1.5 cpp (or 1.75 cpp for premium cabin).
• You probably have any of the UR playing cards, you’ll be able to redeem your UR factors at a hard and fast fee 1 cent/level in the direction of money.
• In abstract, we estimate that UR factors are price about 1.6 cents/level.
• For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: Find out how to Earn and Introduction to UR: Find out how to Use (very detailed).

Advisable Software Time

1. [5/24 Rule] You probably have 5 or extra new accounts opened previously 24 months, Chase won’t approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this publish for particulars about the way to probably bypass this rule.
2. You aren’t eligible for this sign-up bonus for those who obtained a sign-up bonus on this card inside 24 months. Observe that what this 24-month clock begins from while you final obtained the sign-up bonus, not the time you open the account or shut the account. [Correction] There isn’t any such rule for Chase Ink collection!
3. Don’t apply for greater than 1 Chase enterprise bank cards inside 30 days, it’s extremely possible that you’re going to get rejected.
4. We advocate that you just apply for this card after you have got had a credit score historical past for greater than a yr.

Abstract

The sign-up bonus is very nice contemplating it’s only a no charge card. Additionally it’s a good card to earn 5x UR.

Associated Credit score Playing cards

After Making use of

• Name 800-453-9719 to test Chase enterprise playing cards software standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain determination in 2 weeks means your software might be authorised; Obtain determination in 7-10 days means your software might be rejected; Obtain determination in 30 days merely means your software requires additional overview and there’s nothing to inform you for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. It’s fairly exhausting to recon Chase enterprise playing cards. Be ready to be requested about a whole lot of particulars of how your small business operates.

Historic Provides Chart

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