The honest take
The single best card for someone who wants to learn points-and-miles without committing to a $550 annual fee. Ultimate Rewards points transfer to Hyatt, United, Southwest, and a dozen other partners at 1:1.
Rewards, by the numbers
5x on Chase Travel, 3x dining, 2x all other travel, plus $50 annual hotel credit via Chase Travel
The specs
Welcome bonus
Welcome offer varies
Welcome spend requirement
check current offer
Credit tier needed
Excellent
Is this card for you?
→ Good fit if
- Frequent travelers with excellent credit
- People who eat out frequently
- Travel spenders who want points that transfer to airline and hotel partners
→ Skip it if
- People who rarely travel
- People whose spending can't justify the $95 annual fee
- Anyone with fair or building credit
Think this one's a fit?
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