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.

2025.11 Replace: The brand new supply is 100k. BTW, there’s a brand new bonus restriction on this card: “The brand new cardmember bonus will not be obtainable to you in case you have ever had this card.”

2024.9 Replace: The 120k supply is expired. The present supply is 90k.

2024.7 Replace: The brand new supply is 120k. That is one of the best supply on this card.

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Advantages

1. 100k supply: earn 100,000 Final Rewards (UR) factors after spending $8,000 inside the first 3 months. The current greatest supply is 120k.
2. We estimate that Final Rewards (UR) factors are value about 1.6 cents/level, see beneath for a short introduction. So the 120k highest sign-up bonus could possibly be value about $1,920!
3. You probably have this card, you possibly can switch your UR factors to accomplice airways miles and resort factors, just like CSP.
4. Earn 3x UR per $1 spent on the primary $150,000 spent in mixed purchases on journey, delivery purchases, web, cable and telephone companies, and on promoting purchases made with social media websites and engines like google every account anniversary yr.
5. Earn limitless 1x UR per $1 spent on all different purchases.
6. [New] “Factors Increase”: you possibly can redeem your UR factors on Chase Journey, with worth as much as 1.5 cents/level for some flights and motels (as much as 1.75 cpp for premium cabin). (The default worth is 1.0 cent/level.) This characteristic changed the previous 1.25 cents/level fastened worth redemption characteristic. Nonetheless, with CSR, the redemption fee is as much as 2.0 cents/level, due to this fact it’s extra beneficial to make use of CSR to redeem UR factors on this approach.
7. Buy Safety – Covers your new purchases for as much as 120 days towards injury or theft as much as $10,000 per declare and $50,000 per account.
8. Main automobile rental insurance coverage, however for enterprise goal solely. Word that, until you possibly can show that you’re touring on enterprise (which you’ll be required to do within the case of a declare), you’ll be higher utilizing the first automobile rental insurance coverage on the Chase Sapphire Most well-liked or the Chase Sapphire Reserve.
9. Cellphone safety: stand up to $600 per declare in cellphone safety towards coated theft or injury for you and your staff listed in your month-to-month cellphone invoice while you pay it together with your Chase Ink Enterprise Most well-liked bank card. Deductible $100.
10. Refer a buddy: You possibly can earn 20,000 bonus UR factors for each permitted account you refer, as much as a most of 100,000 UR factors per calendar yr.
11. No overseas transaction charge.

Disadvantages

1. Annual charge of $95. The charge is not waived should you apply in-branch.

Introduction to UR Factors

• You possibly can earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most well-liked (Enterprise), and many others.
• 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 should you shut the account, however you possibly can stop dropping your UR factors by transferring the factors to a different UR card beforehand.
• You probably have Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most well-liked (Enterprise), UR factors will be transferred to some resort factors. Among the best approach to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors may also be transferred to some airline miles. Some of the widespread and greatest approach 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 many others. If you happen to use UR factors on this approach, the worth is about 1.6 cents/level.
• You probably have Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors for as much as 2.0 cents/level in direction of air tickets or motels on Chase Journey with the “Factors Increase” characteristic; in case you have Chase Sapphire Most well-liked (CSP) or Chase Ink Most well-liked (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 possibly can redeem your UR factors at a hard and fast fee 1 cent/level in direction of money.
• In abstract, we estimate that UR factors are value about 1.6 cents/level.
• For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: The right way to Earn and Introduction to UR: The right way to Use (very detailed).

Beneficial Software Time

1. [5/24 Rule] You probably have 5 or extra new accounts opened previously 24 months, Chase is not going to approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this submit for particulars about find out how to presumably bypass this rule.
2. You aren’t eligible for this sign-up bonus should you obtained a sign-up bonus on this card inside 24 months. Word that what this 24-month clock begins from while you final bought 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 sequence!
3. [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus will not be obtainable to you in case you have ever had this card.
4. Don’t apply for greater than 1 Chase enterprise bank cards inside 30 days, it’s extremely probably that you’re going to get rejected.
5. 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 may be very beneficiant, so it’s positively value making use of if below 5/24. You probably have a enterprise that is ready to max out the 3x UR incomes classes to earn an additional 450,000 UR per yr, this card is a no brainer. If you happen to discover it laborious to justify the annual charge, you can too product change this card to a no-annual charge card (Ink Money or Ink Limitless).

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Beneficial Downgrade Choices

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 choice in 2 weeks means your software might be permitted; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional evaluation and there’s nothing to let you know for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. It’s fairly laborious to recon Chase enterprise playing cards. Be ready to be requested about numerous particulars of how your enterprise operates.

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