How to redeem Chase Ultimate Rewards points for maximum value

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There are a few facts of life — never wake a sleeping baby, always say yes to homemade cake, you can never have too much cash in the bank and you can never, ever have too many Chase Ultimate Rewards points.

This transferable points currency gives you access to some of the best hotel and airline transfer partners in the business, as well as an easy-to-use portal that allows you to cover a wide variety of different travel costs, including car rentals, hotels, flights, tours and activities, as well as some everyday expenses.

Despite increasing competition from American Express Membership Rewards, Citi ThankYou and Capital One miles, Chase Ultimate Rewards maintains its place as one of the most valuable points on the planet. Plus, thanks to the Chase Sapphire Preferred Card’s current welcome bonus of 60,000 points after you spend $4,000 on purchases in the first three months from account opening, it’s extremely easy to earn a hefty stash of these points right now.

If you’re ready to get serious about traveling more for less, here’s how to earn and maximize Chase Ultimate Rewards points.

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In This Post

How to redeem Chase Ultimate Rewards points

As you can see, there are many ways to earn Chase points at rates of anywhere from 1 – 10x points per dollar at a time, but how you use them is critical to their actual value toward your travel. TPG values Ultimate Rewards points at two cents each, but your value can be lower or higher, depending on how you redeem your points.

You have three basic options for redeeming Ultimate Rewards:

Transfer to travel partners

This is, in our opinion, the best way to redeem your hard-earned points. It’s certainly your best shot for getting maximum value. You can transfer Ultimate Rewards points to 11 airline programs (British AirwaysFlying Blue, JetBlue, Emirates, Singapore Airlines, Air Canada, SouthwestUnitedVirgin AtlanticAer Lingus and Iberia) and three hotel programs (HyattIHG, and Marriott).

All transfer ratios are 1:1, and you must transfer in 1,000-point increments. Note that Chase has only ever had a handful of transfer bonuses — a 30% bonus on transfers to British Airways Avios in 2019, a 60% transfer bonus to IHG Rewards Club in August 2020 and a 30% transfer bonus to Avios at the end of 2020.

Related: Current transfer bonuses

If you want to learn some tips about redeeming them, you can check out our guide on Chase Ultimate Rewards sweet spots.

We’ll break down how to maximize transfers to travel partners below.

Book travel via Chase

You can book travel through the Chase Ultimate Rewards Travel Portal and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point. If you only hold a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all points are worth one cent each.

As a holder of the Chase Sapphire Preferred or the Chase Ink Business Preferred Credit Card, each point is worth 1.25 cents (so a $100 hotel room would only cost 8,000 points).

If you have the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel redemptions through the portal.

If you hold multiple cards that earn Ultimate Rewards points, you can combine your points in the account of whichever card makes points the most valuable. For example, all of your points earned with the Chase Freedom can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece. It’s probably worth getting into the habit of combining your points every month or so, just in case Chase decides to change this policy in the future.

Chase travel portal
(Photo courtesy of Chase)

Book inexpensive fares with points

If you can find inexpensive fares in the Ultimate Rewards travel portal, it can make sense to use your points for these flights if you don’t want to spend cash. In the eyes of the airline, the tickets are the same as a paid fare. This means you’ll earn elite and redeemable miles. Be careful to avoid basic economy tickets, unless you are OK with those restrictions.

In this case, spending 3,220 Ultimate Rewards points from a Sapphire Reserve (points worth 1.5 cents each) to fly from Houston to Las Vegas isn’t too shabby.

Chase ultimate rewards
(Photo courtesy of Chase)

You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left since Chase lets you redeem points to cover the trip cost partially and then you can cover the remaining balance with cash.

Finally, it’s a decent option for car rentals, non-branded lodging or when cash rates make spending points through transfer partners a bad value. The hotel options presented are quite varied.

Cash back or gift cards

Theoretically, you can earn credit on your statement or even have the points deposited into your bank account at a flat rate of 1 cent per point if that’s your goal. With Chase Pay Yourself Back, you can redeem points for cash back at a rate of 1.25-1.5 cents each, depending on the card you have on select categories.(until March 31, 2022).

You can also redeem points for gift cards at a rate of 1 cent per point. You can do better, assuming you like to travel. However, we know that needs can change, so these non-travel redemptions remain fall-back options when needed.

Related: Not traveling for now? How to maximize your rewards points on other redemptions

Top Ultimate Rewards transfer partners

We’ve mentioned that transferring your Chase points to a travel partner is often your best bet if you want to get the most value out of your points, but now we’re going to show you why that’s true in many situations.

Here are some of the best ways to redeem Ultimate Rewards with airline and hotel transfer partners:

United MileagePlus

United no longer publishes an award chart for its own operated flights, which can be good or bad news, depending on your situation. Thankfully, awards on partners still follow an award chart and United does not pass along fuel surcharges. You can book domestic one-way United awards starting at 5,000 miles each way, business-class awards to Europe start at 60,000 – 70,000 miles each way and award flights to Australia and New Zealand start at 80,000 – 90,000 miles each way.

If you are booking a trip that transits different zones (like North America to Europe), you can also build in a free flight (known as the Excursionist Perk) when redeeming United miles. A round-trip economy itinerary from Newark (EWR) to London (LHR) in this example is 60,000 miles plus taxes:

United award
(Screenshot courtesy of United)

Adding in a flight from London to Brussels and spending another week in Belgium cost the same number of miles (with fewer taxes) thanks to the Excursionist Perk:

United multi-city
(Screenshot courtesy of United)

Transfers to United MileagePlus are popular among those savvy with Chase Ultimate Rewards.

Related: How to get maximum value from the United MileagePlus program

Southwest Airlines Rapid Rewards

TPG values Southwest Rapid Rewards points at 1.5 cents each, so in some ways transferring to Southwest isn’t a great way to use your Chase Ultimate Rewards points. You can also use your Chase points to book a “paid” Southwest flight by calling Chase Travel and booking over the phone, as the flights are not listed on the Chase Travel site. However, there are a couple of scenarios where we transfer our points to a friendly carrier with no change or baggage fees.

First, for inexpensive fares ~$100 or less, Rapid Reward points can be worth as much as 1.7 cents per point, which beats the value you get when booking through the portal. Second, if you have a Southwest Airlines Companion Pass and are really getting two flights for the price of one award, then your points become worth as much as 3.4 cents per point for inexpensive fares.

Related: Booking Southwest flights with Chase points

Southwest makes it easy to island-hop in Hawaii. (Photo by Summer Hull/The Points Guy)
(Photo by Summer Hull/The Points Guy)

Singapore Airlines KrisFlyer

Singapore has a few things going for it as a potential airline transfer destination for your Ultimate Rewards. First, Singapore is one of the best airlines in the sky, with tremendous service and luxurious onboard products and experiences. Second, there is fantastic value in Singapore’s KrisFlyer program, with reasonable award charts, low fuel surcharges, routing rules that allow stopovers and the ability to combine multiple partners in one award.

Finally, transfers from Chase to Singapore are instant and the online award booking is intuitive and easy to use.

Here are some of our favorite KrisFlyer redemptions when using Chase Ultimate Rewards:

17,500 miles each way from the U.S. to Hawaii in economy

Singapore Airlines United award
(Screenshot courtesy of Singapore Airlines)

55,000 miles round-trip from the U.S. to Europe in economy on Star Alliance partners

Singapore Airlines United award
(Screenshot courtesy of Singapore Airlines)

72,000 miles Houston to Manchester one-way in business on Singapore’s own fifth-freedom route

Singapore Airlines award
(Screenshot courtesy of Singapore Airlines)

85,000 miles Sydney to Singapore one-way in the new A380 Suites

Singapore Airlines award
(Screenshot courtesy of Singapore Airlines)

95,000 miles Los Angeles to Singapore one-way in business for 17 hours on the new A350

(Screenshot courtesy of Singapore Airlines)

Iberia Plus

Spain’s national carrier remains a mystery to many Chase cardholders, despite the significant value Iberia Plus can offer U.S.-based flyers. The carrier offers cheap economy and transatlantic flights on its own metal and routinely has promos making Iberia Plus practically irresistible for a quick hop across the Atlantic.

Without promos, transatlantic business is priced based on a distanced-based award chart. One-way flights from Miami to Madrid cost 35,000 Avios in economy and 62,500 Avios in business class. There can be less than $100 in surcharges, depending on the class of service you book:

Iberia award
(Screenshot courtesy of Iberia)

Prices get even more attractive, however, for shorter routes (based on distance in miles). For example, Boston to Madrid is only 17,000 Avios in economy and 34,000 Avios in business one-way:

Iberia JFK-MAD Award
(Screenshot courtesy of Iberia)

The magic continues when looking to book domestic American Airlines itineraries. Although these awards were recently devalued, you can still book short-haul domestic flights for as low as 6,000 miles each way — often less than what American charges through its own program.

Iberia AA award chart
(Screenshot courtesy of Iberia)

Virgin Atlantic Flying Club

There are multiple ways to use Virgin Atlantic’s loyalty program to unlock incredible value. You can redeem miles to fly Delta domestic itineraries here in the U.S. for 7,500-15,000 miles per segment, potentially saving you thousands of miles compared to what Delta is asking for the same flight.

Delta One flights to Europe (excluding the U.K.) are a flat 50,000 miles for nonstop itineraries.

Related: How to save thousands of miles on Delta One awards to Europe

Other partners, like ANA, have award charts so attractive they almost seem like a mistake. You can use 110,000 Flying Club miles to fly ANA First class round-trip from the West Coast to Japan and 120,000 miles round-trip from the central and eastern U.S. to Japan. Here is Flying Club’s award chart for ANA-operated flights:

Other partners such as South African, Air China, Singapore and Hawaiian offer niche routes that provide a great use of your miles. Overall, Flying Club presents a lot of different options to yield significant value from your Ultimate Rewards.

British Airways Executive Club

If you need a short-haul nonstop flight on a Oneworld partner, British Airways Avios can give you tremendous savings. Short-haul flights outside of North America less than 650 miles in length will cost you only 6,000 Avios. This is great for exploring Japan on partner Japan Airlines, where last-minute domestic ticket prices can be rather hefty. Using this chart, Tokyo to Osaka costs only 6,000 miles and $4.96:

In North America, short-haul flights start at 7,500 Avios for American Airlines-operated itineraries and can give you significant mileage savings over booking the same flight through American AAdvantage. Atlanta to Dallas costs only 9,000 Avios on a day when American may charge between 12,500 and 20,000 miles in its new dynamic pricing model:

There are itineraries you don’t want to book with Avios, like long-haul British Airways flights or partner-operated flights that incur significant fuel surcharges of hundreds of dollars. Stick to short hops on partner airlines or fifth-freedom routes in the Caribbean (such as Antigua to St. Kitts) and you’ll get great use of your Chase Ultimate Rewards points with British Airways.

Related: The ultimate guide to British Airways Avios

(Photo by Zach Griff/The Points Guy)
(Photo by Zach Griff/The Points Guy)

World of Hyatt

One of the best ways to use Ultimate Rewards points is to transfer them to World of Hyatt for low or high-category properties. Generally speaking, Hyatt points are worth more than Marriott Bonvoy and IHG points, so Hyatt is often your best hotel transfer partner within Chase Ultimate Rewards.

The hotel program offers an extremely reasonable award chart for free nights, with standard award nights ranging from 5,000 – 40,000 points. Meanwhile, the World of Hyatt elite status perks are considered the best of any hotel loyalty program.

Grand Hyatt Kauai (Photo by Summer Hull / The Points Guy)
Grand Hyatt Kauai. (Photo by Summer Hull/The Points Guy)

If you’re looking at standard award nights, the program has value across the spectrum of properties. Category 1-5 properties, in particular, can offer some fantastic awards.

Examples include the Grand Hyatt Kauai (25,000 points per night), Hyatt Regency Maui (25,000 points per night), Hyatt Grand Cypress Orlando (12,000 points per night), Grand Hyatt Washington D.C. (15,000 points per night) and Hyatt Regency Aruba (25,000 points per night).

Even several Category 1 properties sell for over $100 a night (excluding taxes), so redeeming 5,000 points for these is usually a good decision. An example is the Hyatt Regency Albuquerque in New Mexico, which is bookable for just 5,000 Hyatt points per night — the same as 5,000 transferred Chase points into Hyatt.

Even the higher tiers of the program have substantial value. For example, redeeming 30,000 points at the ski-out Park Hyatt Beaver Creek, Park Hyatt Sydney or even the Park Hyatt Maldives can make a ton of sense since rooms at these luxury properties routinely sell for over $1,000 a night.

Park Hyatt Maldives.

You also now have hundreds of additional properties at which you can redeem your Hyatt points through the Small Luxury Hotels of the World partnership and the addition of the Thompson, Alila and JdV by Hyatt brands. This opens up more redemption options in the Caribbean, Europe and beyond.

Related: Getting elite-like perks at Small Luxury Hotels of the World

Image courtesy of Sailrock Resort in Turks and Caicos
(Photo courtesy of Sailrock Resort in Turks and Caicos)

If you want to use your Chase Ultimate Rewards points and protect your cash, you can book all-inclusive resorts with Hyatt points in Mexico, the Dominican Republic and Jamaica. These resorts start at 20,000 – 25,000 points per night for double occupancy. Using points in this manner gets you a room and food, beverages, and some on-site entertainment (including kids clubs at the family-friendly resorts).

Here’s TPG’s guide to making the most of your Hyatt awards.

Less-desirable Ultimate Rewards partners

While there are no “bad” redemptions if your points allow you to go where you want to go while keeping your cash safely tucked in your wallet, some ways of using Chase points aren’t as mathematically rewarding as others.

The following transfer partners would require a unique circumstance for us to transfer Ultimate Rewards, such as needing to top off an existing account balance or a one-off example of where the program provides value. There are typically much better ways to earn the points or miles in these programs instead of transferring Ultimate Rewards. Here is a quick synopsis of each:

Air France-KLM Flying Blue

The current version of the program has become too illogical to ever plan on using it consistently. You can certainly get lucky and find a good redemption — for example, TPG Editor Nick Ewen recently snagged three one-way, business-class awards from Miami (MIA) to Venice (VCE) for 53,000 miles and ~$235 in taxes and fees. However, it’s generally just too variable. If I did need Flying Blue miles — perhaps to take advantage of the program’s monthly, discounted Promo Rewards — I would probably transfer American Express points. Make sure before you transfer that you do not fall victim to phantom award space the Flying Blue website often shows; call and confirm with a phone agent first.

Related: Transferring Ultimate Rewards points to Flying Blue

Aer Lingus AerClub

There’s another version of an Avios program here, but nothing really enticing that’s worthy of an Ultimate Rewards transfer.

JetBlue TrueBlue

TrueBlue points are redeemed for JetBlue flights at pretty much a fixed rate of 1.3 to 1.4 cents per point. With that fixed redemption rate, there are just too many other valuable destinations for your Ultimate Rewards points. So unless you are topping off an award, this might not be your best transfer option. You can also book JetBlue flights through the Ultimate Rewards travel portal and get a guaranteed 1.5 cents per point if you have the Sapphire Reserve in your wallet.

Related: Transferring Ultimate Rewards points to JetBlue

IHG Rewards

Top-tier properties have typically required 70,000 points per night, but we’re starting to see examples of even higher pricing. It simply costs too much to book award nights in this program using Ultimate Rewards points. We generally believe that any other transfer partner is a better destination for your Ultimate Rewards than IHG, especially since IHG sometimes sells points for just 1/2 a cent each.

Marriott Bonvoy

On a case-by-case basis, it could make sense to transfer Ultimate Rewards to Marriott to redeem for an award night. However, these awards can be quite pricey. With many different Marriott cobranded cards, it’s too easy to earn the Marriott points you need without transferring them in from Chase Ultimate Rewards.

How TPG readers use their Ultimate Rewards points

There are numerous ways to redeem your points, but we compiled some of TPG readers’ own best favorite Ultimate Rewards redemptions below.

Singapore business class

“Just cashed in 118,000 points for [a flight from] Bali to Singapore in business and Singapore to LAX in Singapore Airlines first class. It would have cost about $8,500 but was a great deal with points. Plus, I can’t wait to try Singapore Airlines! Thanks, TPG, for all the insightful tips!” — Anthony M.

Hawaii on points

“We just planned a trip to Hawaii and used all our points. Tickets from L.A. to HNL [Honolulu] were about $700 nonstop or about 48,000 UR points. We needed four tickets, and a friend reminded me that TPG wrote about transferring points to B.A. to book award flights on AA. We did exactly that and scored four nonstop flights to HNL for just 100,000 UR points! On the hotel side, we transferred points to Hyatt and booked for 12,000 UR points a night.” — Cindy C.

Upgrade to a Hyatt suite

“Currently, my favorite is to buy a (relatively) cheap standard room at a Park Hyatt, upgrade to a premium suite for 9k points.” — George S.

Tokyo in style with ANA business suite

“EVA 80k one way from NYC – TPE, but transferring to Virgin for a 95k round-trip to Tokyo in the new ANA biz suite is going to take the cake in October.” Wallace C.

Lufthansa to Europe via United

“Transfer to United for tickets on Lufthansa for a better product than United, no fuel surcharge using United points and can use the Excursionist Perk.” Esther H.

Photo by Gino ZH / The Points Guy
Photo by Gino ZH / The Points Guy

Best cards for earning Chase Ultimate Rewards:

How to earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points with several Chase credit cards. Stick with us for a second, as this next part is a little confusing at first if you are new to these Chase cards.

The first three cards we will mention below earn fully transferable Ultimate Rewards points all by themselves, while the remaining four are technically billed as cash-back credit cards.

However, if you have an Ultimate Reward-earning card, you can convert your Chase cash-back reward to full Ultimate Rewards points. For this reason, it can make sense to have more than one Chase card in the family to maximize your earning and redeeming potential. For complete details on how this can work, check out TPG’s guide to transferring Chase points between accounts.

With that out of the way, here are the seven cards that allow you to earn Chase Ultimate Rewards points:

Chase Sapphire Preferred Card

(Photo by John Gribben for The Points Guy)

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

Why you want it: This is a fantastic all-around travel credit card. It offers 5x total points on all travel purchased through Chase Ultimate Rewards, 3x points on dining, including eligible delivery services, takeout and dining out, 3x points on select streaming services, 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2x points on all other travel, 1x point on all other purchases. The Sapphire Preferred has no foreign transaction fees and conveys many travel perks, including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance (find out how that can save you from a surprise last-minute $1,000 hotel bill.) To top it all off, Chase generally offers excellent customer service and reaching an agent is easy when you call the number on the back of the card.

Annual Fee: $95

Read the full card review.

Chase Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome bonus: 50,000 points after you spend $4,000 on purchases in the first three months from account opening

Why you want it: It earns 10x points on Lyft, 3x points on travel and dining purchases and 1x points on all other purchases. Other perks include an easy-to-use $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck (up to $100) and Priority Pass Select lounge access. This includes the ability to use your Priority Pass membership for free meals in airport restaurants. Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections.

Annual fee: $550

Read the full card review.

Ink Business Preferred Credit Card

Welcome bonus: 100,000 points after you spend $15,000 on purchases in the first three months from account opening

Why you want it: This is one of the best credit cards for small-business owners, earning 3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar on all other purchases, and points don’t expire as long as your account is open. Points earned on the Ink Preferred can be transferred to multiple airline and hotel partners.

Annual Fee: $95

Read the full card review.

Ink Business Cash Credit Card

Welcome bonus: $750 cash back after you spend $7,500 on purchases in the first three months from account opening. This can be the same as 75,000 points if you have another Ultimate Rewards-earning credit card.

Why you want it: Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. You can convert these earnings to Ultimate Rewards points if you have one of the three cards above.

Annual Fee: $0

Read the full card review.

Ink Business Unlimited Credit Card

Welcome bonus: $750 cash back after you spend $7,500 on purchases in the first three months from account opening

Benefits: Earn unlimited 1.5% cash-back rewards on every purchase. These cash back earnings can be converted to Ultimate Rewards points if you have one of the three top cards listed above, which means your small business can essentially earn 1.5 points per dollar on all charges made with this card.

Annual Fee: $0

Read the full card review.

Chase Freedom Flex

(Photo by John Gribben for The Points Guy)

Welcome bonus: $200 (20,000 Ultimate Rewards points) after you spend $500 in the first three months of account opening.

Benefits: The card earns 5% back/5x points on select bonus categories, which rotate every quarter, up to $1,500 per quarter (activation required). Common past bonus categories include gas stations, supermarkets, restaurants, warehouse stores and department stores. You can convert these rewards to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases. Earn 1% on all other purchases.

Annual Fee: $0

Read the full card review.

Chase Freedom Unlimited

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

Benefits: The card earns 1.5% cash back (1.5x Ultimate Rewards points) on purchases. These earnings can be converted to valuable Ultimate Rewards points if you have one of the top three cards listed above. The card also offers 120-day purchase protection and extended warranty protection.

Annual Fee: $0

Read the full card review.

Bottom line

The above strategies are just a sampling of the many redemptions available through the Ultimate Rewards program. If you have the Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card, booking through the travel portal at a rate of 1.25 – 1.5 cents per point will be a solid baseline redemption for many travelers. However, to really get maximum value, look to transfer your points to the program’s litany of travel partners and book the flights and hotel rooms that otherwise would be outside of your means.

In any case, the Ultimate Rewards program provides a wide range of options to maximize your points and save you money — you just have to decide which redemptions are the most worthwhile to you.

If you’re new to the points and miles game, check out our Beginner’s Guide to learn more.

Additional reporting by Benji Stawski and Victoria Walker.

Featured photo by Benji Stawski/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 Bonus Miles after you spend $3,000 in purchases on your new card in your first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 90,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA PreCheck®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.99%-24.99% Variable
Annual Fee
Balance Transfer Fee
Recommended Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.