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How this card earns

  1. 5 percent cash back:
    TravelChase Travel
    Travel booked through Chase Travel using the card; excludes FROSCH bookings.
    Limited-time boost

    LyftLyft app rideshare, bike and scooter rides, subscriptions and memberships; excludes gift cards and rentals.Through Sep 30, 2027.

  2. 2.5 percent cash back:
    Purchases of $5,000 or more
    Each individual purchase must bill and post at $5,000 or more.
  3. 2 percent cash back:

    Everything else

Protections and other benefits

15 benefits
  • Auto Rental CoveragePrimary coverage for eligible business rentals, up to $60,000 for theft or collision. Pay the rental and decline CDW.
  • Travel and Emergency AssistanceLegal and medical referrals while traveling; the cardholder pays goods and services costs.
  • Roadside AssistanceRoadside dispatch assistance; service fees are charged to the card.
  • Purchase ProtectionEligible theft or damage coverage for 120 days, or 90 days in New York, up to $10,000 per item.
  • Extended Warranty ProtectionAdds one year to eligible U.S. warranties of three years or less, up to four years from purchase.
  • Cell Phone ProtectionPay the monthly bill for covered phones: up to $1,000 per claim, three claims per 12 months, with a $100 deductible.
  • Employee CardsNo additional fee for employee cards; set individual spending limits and earn rewards on purchases.
  • Premier Points Transfer RestrictionsRedeem cash without a minimum. Premier points cannot move to another Chase card or transfer to airline or hotel partners.
  • Flex for BusinessFinance purchases within the assigned Flex for Business limit with interest; the issuer may change or restrict the limit.
  • Bookkeeping Software IntegrationTrack expenses and integrate the card with bookkeeping software.
  • Baggage Delay InsuranceReimburses essential items after a baggage delay over six hours, up to $100 daily for five days.
  • Lost Luggage ReimbursementEligible lost, stolen or damaged luggage coverage, up to $3,000 per traveler.
  • Travel Accident InsuranceEligible travel accident coverage, with common-carrier benefits up to $500,000.
  • Trip Cancellation and Interruption InsuranceCovered cancellations or interruptions: up to $5,000 per traveler, $10,000 per trip and $20,000 per account over 12 months.
  • Trip Delay ReimbursementCovered delays over 12 hours or requiring an overnight stay: up to $500 per traveler per trip for reasonable expenses.

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The cards that do have credits get lined up by the day they end.

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Last checked
October 8, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced