The 10 Best Chase Credit Cards for Military Members [2024]

Serving in the armed forces isn’t easy. Whether it’s early-morning PT, after-work formations, or never-ending deployments, being a service member means you’re always on call. It’s a lot to sacrifice — but fortunately for those who’ve chosen to join, you’re also entitled to quite a few benefits. 

Yes, you probably already know about those discounted Disney tickets, and you hopefully flash your ID at the Home Depot to get your 10% off. You may have even read our article about American Express cards being the best for military members. But did you know that Chase is also an excellent option?

With a slew (and ever-increasing number) of high-end credit cards, service members can gain some pretty sweet perks while enjoying waived annual fees. Do you know what this means? Free stuff. What kind of free stuff? Hundreds of dollars in travel credits (including TSA PreCheck), free hotel nights, elite status, airline lounge memberships, and more.

Let’s take a look. 

Which Credit Cards Waive Annual Fees for Military Members?

Fortunately for service members, most large banks will waive the annual fee for their credit cards. Not all of them will waive those fees for cards you acquired prior to joining, but they will for cards you open while on active duty. 

American Express, Chase, Citi, and Capital One will not charge the annual fees for credit cards if you’re on active duty. 

Unfortunately for veterans and reservists, these benefits only apply to those who are actively serving. This means that when your enlistment or commission ends, these banks will begin charging you for your cards, so keep that in mind when opening your accounts. 

Chase and Citi will both waive fees for all consumer cards. All in all, Chase offer some of the best military credit card options.

How Many Chase Credit Cards Can You Have?

Unlike some other banks, Chase doesn’t have a hard limit on how many credit cards you can hold — some of us at Upgraded Points even have 7 Chase cards! This is good news for all you future credit-card aficionados since you’ll be able to get and hold quite a few cards. 

How To Get a Chase Credit Card

Most of Chase’s premium credit cards also require an excellent credit score and an established credit history. Generally speaking, you’ll want to have a credit score of at least 720, as well as history on your credit report.

What does this mean? Well, a lot of younger folks will check their credit score and see that they’ve got a high score, say somewhere in the mid-700s. But if their credit score is a result of not having any credit at all, that 700+ isn’t going to get you anywhere. You’ve got to establish history, whether through a starter credit card, auto loan, or being added as an authorized user to someone else’s card before your high credit score has any meaning behind it. 

Even without a perfect score or a lot of history, you have options. Chase’s mid-tier cards have less stringent requirements, which means you can still see some benefits even if you’re not yet qualified for the most premium credit cards.

Just because Chase hasn’t established a specific limit on how many cards you can have doesn’t mean you’ll be able to have unlimited cards. Anecdotally, Chase will limit your cards based on your total credit line. This means that it will extend a certain amount of credit to you, and once you’ve hit that limit it will no longer approve credit cards. 

Hot Tip: Chase has instituted some very specific once-per-lifetime rules on some of its cards, including the Chase Sapphire line. Be sure to read the fine print to find out if you’re eligible for a welcome offer when you apply. 

If you’ve been denied for a card due to maxing out your total credit line, it’s possible to get approved by calling the reconsideration line at 888-270-2127 and asking them to move existing credit to your new card. This isn’t guaranteed but can work out in your favor and get you approved. 

Beware, however, that Chase also uses the 5/24 rule to weed out applicants who’ve acquired too many credit cards too recently.

What Is the Chase 5/24 Rule?

The bane of many an award traveler’s existence, the Chase 5/24 rule is this: Chase will not allow you to open a new credit card if you’ve opened 5 or more credit cards within the last 24 months. This applies across a broad spectrum of cards, not just Chase, and includes pesky things like store cards and being added as an authorized user to someone else’s credit card (though that can be clarified via the reconsideration line).

So if you’re new to the points and miles community and would like to get a Chase credit card, be aware that Chase will count and track how many cards you’ve opened in the last 2 years. There is no getting around this.

When Should You Get Each Chase Credit Card?

Every bank does something different when it comes to acquiring credit cards. These rules are in response to credit card churning, which is the practice of opening credit cards for their welcome offer, then closing them once you’ve earned the welcome offer. This practice is highly discouraged by banks — hence Chase’s 5/24 rule, which is among one of the stricter rules.

This is something really important to consider, especially if you’ve decided you really want to start investing in points and miles. The order in which you open your credit cards is important. If your credit is just OK and you won’t qualify for any premium cards just yet but you want them later, you’ll need to make sure you leave room for them based on 5/24.

Let’s look at this from 2 different scenarios:

Scenario 1: You Already Have Great Credit

In scenario 1, you’ve got established credit and an excellent credit score. You’re really interested in having the best perks possible and aren’t afraid of high annual fees if or when you choose to leave the military (though depending on how long you stay in, you could be getting thousands of dollars worth of free credits in the meantime).

In this case, you’d probably want to aim for Chase’s premium credit cards immediately in order to receive as many benefits as possible for as long as possible. Once you’ve got those cards, you can pick what you’d like from among the mid-tier cards left available based on 5/24. You’ll do all this before attempting to acquire any other card from any other bank. 

Scenario 2: You Have Good Credit But Want To Improve

In scenario 2, you have good credit but probably won’t qualify for Chase’s more expensive cards. In this case, you’ll get 1, maybe 2, of Chase’s mid-tier credit cards. The Chase Sapphire Preferred^® Card is a good option as a starter card (though again, be excruciatingly aware of the once-per-lifetime language, especially with the Sapphire cards). Otherwise, one of the co-branded hotel or airline cards is a decent option, especially if you’re looking to use those free hotel certificates.

Once you’ve got a few months of charges and on-time payments under your belt, you’ll want to consider getting one of the premium Chase cards. The idea here is to build your credit and your goodwill with Chase simultaneously. You will — again — not get any other credit cards from other banks in the meantime. Chase is super strict about 5/24 and 2 entire years is a long time to wait before getting a new Chase credit card.

Whether you’ve got great or good credit, once you’ve gotten all the Chase cards you’d like to have, you can go hog-wild picking up all the other travel cards you desire — as long as you’re abiding by the other banks’ rules.

Bottom Line: How and when you apply for a Chase credit card matters. Do your research on the situation for the best chances of success. 

The Best Chase Credit Cards for Military: Premium Cards

Like we’ve already said, Chase is going to waive all annual fees for its consumer credit cards as long as you’re an active-duty service member. This means that it’s premium cards, like the Chase Sapphire Reserve^®, are going to cost you nothing out of pocket while still giving you hundreds of dollars in perks each year.

These cards are going to give you the most bang for your (non-existent) buck or are going to be the most worthy slots in your 5/24 wallet.

Chase Sapphire Reserve Card

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

21.49% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
• Member FDIC

Financial Snapshot

• APR: 21.49% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

One of the kings of the travel credit card world, the Chase Sapphire Reserve card’s $550 annual fee is waived for military members.

So what comes with that hefty annual fee? Tons! The card is chock-full of high-end benefits to up your travel game.

Additional Chase Sapphire Reserve Card Benefits

• Elite status with Avis and National and primary car rental insurance coverage
• DoorDash DashPass subscription (must activate by December 31, 2027)
• $5 monthly DoorDash credit
• Trip and luggage insurance
• No foreign transaction fees
• 10x points per $1 on Lyft rides (through March 31, 2025)
• 5x or 10x points on Peloton equipment and accessory purchases over $150 (through March 31, 2025)

So, to recap here, you’ll pay $0. In return, you’ll get a $300 travel credit, Priority Pass airport lounge access (upon enrollment), free food delivery, bonus points on purchases, and no foreign transaction fees, so that when you swipe your card at the Green Beans downrange, it won’t cost you anything extra.

United Club℠ Infinite Card

LIMITED TIME OFFER

United Club℠ Infinite Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Apply Now(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome Offer

Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

90,000 miles

UP's Bonus Valuation*:

$1,080

Annual Fee

$525

APR

20.99% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros & Cons

Pros

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership (up to $650 value per year)

Cons

• $525 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Limited-time Offer: Earn 90,000 bonus miles
• 4x miles on United^® purchases
• 2x miles on all other travel and dining
• 1x mile on all other purchases
• United Club℠ membership - up to $650 value per year
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access^® travel services
• Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Financial Snapshot

• APR: 20.99% - 27.99% Variable
• Foreign Transaction Fees: None

Are you a United flyer? If not, become one, because this credit card is going to give you major perks when flying with United — and you won’t even have to be in uniform.

The best thing about the United Club Infinite card is that it’s going to give you a United Club membership, which means whenever you fly you’ll be able to enter the United Club lounge. The card normally costs $525 per year, but that fee will be waived for service members.

Additional United Club Infinite Card Benefits

• United Club membership that allows you to bring in 2 companions
• 2 free checked bags for you and a companion
• Gives you eligibility for space-available complimentary upgrades on award flights
• Platinum elite status with IHG One Rewards
• Complimentary upgrades on award tickets for companions

In case you’re wondering why exactly you should want an airport lounge membership when you’ve already got the USO, just know that United Club lounges tend to offer better food — and they include alcohol.

The free checked bags are also nice. Although many airlines will give you free checked luggage even if you aren’t traveling on orders, it’s always a possibility that they won’t, and they definitely don’t extend that courtesy to a companion. This guarantees the baggage for both of you will be checked for free.

United Quest℠ Card

LIMITED TIME OFFER

United Quest℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Apply Now(at Chase's secure site)

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Welcome Offer

Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

70,000 miles

UP's Bonus Valuation*:

$840

Annual Fee

$250

APR

20.99% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros & Cons

Pros

• 3x miles per $1 on United purchases
• 2x miles per $1 spent on travel, dining, and select streaming services
• $125 annual United credit

Cons

• Does not earn transferable rewards
• Does not offer airport lounge access

Read Full Review

Card Highlights

• Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
• 3x miles on United^® purchases
• 2x miles on all other travel, dining, and select streaming services
• 1x mile on all other purchases
• Up to a $125 United^® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
• Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Financial Snapshot

• APR: 20.99% - 27.99% Variable
• Foreign Transaction Fees: None

United’s newest credit card, the United Quest card, offers some pretty decent perks for its $250 annual fee — which, of course, will be waived for you. These include things like an annual United credit usable for airfare, inflight purchases, and more.

Additional United Quest Card Benefits

• 2 free checked bags for you and a companion
• A TSA PreCheck, Nexus, or Global Entry credit
• Travel and purchase protection
• 25% back on United inflight purchases (includes Wi-Fi, food, and beverages)
• Eligibility for space-available complimentary upgrades on award flights

Southwest Rapid Rewards^® Priority Credit Card

Southwest Rapid Rewards^® Priority Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.

Apply Now(at Chase's secure site)

Southwest Rapid Rewards^® Priority Credit Card

This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.

Welcome Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

50,000 points

UP's Bonus Valuation*:

$650

Annual Fee

$149

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Southwest Rapid Rewards^® Priority Credit Card is the most premium personal Southwest card offering from Chase. When you peel back the curtain, it is easy to see why.

Not only does the card offer multiple bonus categories to help you earn more Southwest Rapid Rewards points, but it is also loaded with benefits that are sure to offer quite a bit of value to Southwest flyers.

Here is a full overview of the card to help you decide if it is a good fit for your wallet.

Pros & Cons

Pros

• 3x points per $1 on Southwest purchases
• 2x points per $1 on local transit and commuting, including rideshare purchases
• 2x points per $1 on internet, cable, phone services, and select streaming purchases

Cons

• $149 annual fee
• Does not earn transferable points

Read Full Review

Card Highlights

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest^® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest^® travel credit each year.
• No foreign transaction fees.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

Southwest is already an extremely generous airline, with 2 free checked bags for everyone and no fees for seat selection (active-duty military passengers board between groups A and B). That said, its most premium credit card, the Southwest Priority Card, is going to give you a free travel credit and free reward points each year on what would otherwise be a $149 annual fee card.

Additional Southwest Priority Card Benefits

• 4 upgraded boardings per year, with reimbursement for A1-15 paid boarding when purchased at the counter
• Earn 1,500 tier qualifying points (TQPs) towards elite status for every $5,000 in spending
• 25% back on inflight purchases, including food and Wi-Fi

The Best Chase Credit Cards for Military: Mid-Tier Cards

Although Chase only has a few really high-end credit cards, it excels at mid-tier cards. These don’t feature the same premium benefits as the other Chase cards but still punch way above their weight class when it comes to perks. This includes things like free hotel nights, elite status, and flight discounts.

These cards may also be a better option for you if you’re younger and don’t have a ton of credit history or if you otherwise don’t have the excellent credit required for Chase’s more expensive cards.

Chase Sapphire Preferred Card

BEST BEGINNER CARD

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The younger brother of the Chase Sapphire Reserve card, the Chase Sapphire Preferred card is an excellent starter card for those just entering the points and miles world. It doesn’t feature tons of benefits, but it does earn Ultimate Rewards points that can be used for valuable airline and hotel redemptions.

Additional Chase Sapphire Preferred Card Benefits

• Travel insurance and primary rental car insurance
• No foreign transaction fees
• Up to $50 in hotel statement credits for booking through Chase Travel

Hot Tip: You can quickly earn lots of Ultimate Rewards points once you have been approved for the Chase Sapphire Preferred card — check out our guide to how to get maximum value out of those points.

Southwest Rapid Rewards^® Premier Credit Card

Southwest Rapid Rewards^® Premier Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Southwest points on every purchase, plus anniversary points, Tier Qualifying Points, and points toward the Companion Pass!

Apply Now(at Chase's secure site)

Southwest Rapid Rewards^® Premier Credit Card

Earn Southwest points on every purchase, plus anniversary points, Tier Qualifying Points, and points toward the Companion Pass!

Welcome Offer

Earn 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening.

50,000 points

UP's Bonus Valuation*:

$650

Annual Fee

$99

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Another week, another flight. Flying weekly can get tiring, but you know that every flight gets you closer to taking some great vacations with your significant other or your favorite travel buddy.

To save money on the flights, you like to use Southwest Airlines.

So why not get the Southwest Rapid Rewards^® Premier Credit Card to help you earn extra Rapid Rewards points?

Pros & Cons

Pros

• 3x points per $1 on Southwest purchases
• 2x points per $1 on Rapid Rewards hotel and car rental partners
• 2x points per $1 on local transit and commuting, including rideshares

Cons

• $99 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 6,000 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• No foreign transaction fees.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: $0

Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

Another Southwest card, the Southwest Premier card really only has 1 main perk: a 6,000 point bonus on your cardmember anniversary. We value Southwest points at 1.4 cents each, making this bonus worth $84 per year. You’ll earn 3x points per dollar on all Southwest purchases, and all points earned count towards Southwest’s coveted Companion Pass.

Hot Tip: Don’t forget to check out the additional hotel and flight discounts you may be eligible for as a member of the military.

British Airways Visa Signature^® Card

British Airways Visa Signature^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.

Apply Now(at Chase's secure site)

British Airways Visa Signature^® Card

This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.

Welcome Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

75,000 Avios

UP's Bonus Valuation*:

$938

Annual Fee

$95

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The British Airways Visa Signature^® Card is a stellar option for travelers who regularly travel with the airline. From all of the Avios the card helps you earn, to a 10% discount off cash tickets, and the award flight statement credits, you can get tons of value out of the card each year.

Pros & Cons

Pros

• 3x Avios per $1 on British Airways, Aer Lingus, Iberia, and LEVEL purchases
• 2x Avios per $1 on hotel accommodations purchased directly through hotels
• 1x Avios per $1 on all other purchases

Cons

• $95 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
• Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
• 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
• Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
• Pay no foreign transaction fees when you travel abroad.
• Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

British Airways Executive Club

Unlike other airline credit cards, the British Airways Visa card doesn’t offer free checked bags or priority boarding. Instead, it offers unique perks that help offset the actual cost of any flights you’ll be taking.

Additional British Airways Visa Card Benefits

• Receive an award ticket statement credit for taxes and fees on award tickets to London — $100 for economy and premium economy or $200 for business and first class — up to 3x per year
•  No foreign transaction fees

Marriott Bonvoy Boundless^® Credit Card

Marriott Bonvoy Boundless^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Apply Now(at Chase's secure site)

Marriott Bonvoy Boundless^® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Welcome Offer

Earn 125,000 bonus points after spending $5,000 on purchases in your first 3 months from your account opening.

125,000 points

UP's Bonus Valuation*:

$875

Annual Fee

$95

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless^® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons

Pros

• Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
• Earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status

Cons

• $95 annual fee
• Marriott Silver Elite Status is the lowest status tier

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Card Highlights

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

While American Express has most of Marriott Bonvoy’s credit cards (including its most premium option), Chase maintains the Marriott Boundless card for its members, which includes elite status and an annual free hotel night, which means you can reap hundreds of dollars in benefits from this single card.

The World of Hyatt Credit Card

The World of Hyatt Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Apply Now(at Chase's secure site)

The World of Hyatt Credit Card

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Welcome Offer

Earn up to 65,000 Bonus Points. Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent

Up to 65,000 points

UP's Bonus Valuation*:

$975

Annual Fee

$95

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons

Pros

• Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
• 1x point per $1 on all other purchases

Cons

• $95 annual fee

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Card Highlights

• Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

Similar to the Marriott Boundless card, the World of Hyatt card gives its holders elite status and a free hotel night each year.

Additional World of Hyatt Card Benefits

• No foreign transaction fees

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Apply Now(at Chase's secure site)

IHG One Rewards Premier Credit Card

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Welcome Offer

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

140,000 points

UP's Bonus Valuation*:

$700

Annual Fee

$99

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.

The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.

Pros & Cons

Pros

• Up to 26x points per $1 on IHG stays
• 5x points per $1 spent on purchases on travel, at gas stations, and restaurants
• 3x points per $1 on all other purchases

Cons

• $99 annual fee
• Does not earn transferable points

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Card Highlights

• Earn 140,000 Bonus Points
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

The IHG Premier card offers the most generous hotel elite status you’re going to find with a Chase card by giving its cardholders automatic IHG One Rewards Platinum Elite status. While this status isn’t as bountiful as others, it’s still nice to have and can score you some excellent upgrades at IHG hotels.

Additional IHG Premier Card Benefits