Are You Maximizing All Of The Benefits Your Cards Give You? A Look At The Published And Unpublished Perks Of 11 Chase Credit Cards

Related:
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-Do You Maximize Your Credit Card Spending? Here’s Where Should You Be Using Each Of Your Credit Cards.
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People are always asking me what the best credit card is. If only it were that easy.

Different cards have different things they excel at. But if you know what the benefits are for each card then you’ll be able to maximize what’s in your wallet.

Here are the top benefits of cards from Chase.

Airline cards:

-Chase United Explorer
Signup Bonus:
30K miles for spending $1,000 in 3 months plus 5K miles for adding a free additional user.
Spend benefits:
1. 2 miles per dollar on United flights and United award taxes.
2. 10K annual mileage bonus for spending $25K on the card. An effective 40% bonus everywhere if you can spend $25K in a calendar year.
3. No foreign exchange/transaction fees.
Travel benefits:
1. Added benefits for non-elite travelers: Free checked bag, expanded coach saver award availability, expanded Plan B business saver award availability, last seat coach and business standard award availability, priority boarding.
2. Added benefits for elite travelers: Upgrades on award tickets, waived PQD spend requirement on flights if you spend $25K on United cards annually.
3. 2 annual United Club passes
4. Primary rental car insurance worldwide.
5. Miles will never expire as long you remain a cardholder.
Annual fee:
$95, waived for the first year.
Learn more about:
-Expanded award space
United Plan B
-United expert mode.
-Primary rental car insurance.
-Benefits of the card.

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-Chase British Airways Visa
Signup Bonus:
50K Avios for spending $2,000 in 3 months. Good for more than 11 free award flights.
Spend benefits:
1. 1.25 Avios per dollar spend everywhere and 2.5 Avios on per dollar spent on BA flights and Avios awards.
2. Spend $30K in a calendar year and get a free companion pass for use on award travel on BA flights in any class of service.
3. No foreign exchange/transaction fees.
Travel benefits:
10% off paid BA flights.
Annual fee:
$95, waived for the first year for a limited time only.
Learn more about the card’s benefits here.

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-Chase Southwest Premier
Signup Bonus:
For a limited time only, 50K points for spending $2,000 in 3 months. Points are good for up to $960 of Southwest flights or $500 in gift cards to dozens of stores.
Spend benefits:
1. 2 points per dollar on Southwest flights and on Southwest award taxes.
2. No foreign exchange/transaction fees.
3. 1,500 Tier Qualifying Points for every $10,000 in purchases up to 15K points per year.
Travel benefits:
1. Earn 110,000 points in a calendar year from signup bonuses and spending on the Southwest card and get an unlimited use companion pass good on paid and award flights for the remainder of the calendar year and for the following calendar year.
2. As always, 2 free bags, free changes, free cancellations of all award travel, and free refunds of points if cost of award travel goes down.
Annual fee:
$99.
Learn more about the card’s benefits here.

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Chase United Club (Click on Club option on the right side of the page)
Signup Bonus:
$100 after first purchase.
Spend benefits:
1. 1.5 miles per dollar everywhere plus 2 miles per dollar on United flights.
2. No foreign exchange/transaction fees.
Travel benefits:
1. Full United Club membership valid at United lounges and hundreds of partners lounges worldwide. Access is free for you and your spouse and kids or you and 2 companions even when not flying.
2. TSA security passes for gate access even when you aren’t flying at airports with a United Club.
3. 2 free checked bags.
4. Waived award expedite/close-in fees.
5. Priority check-in, priority baggage handling (your bags will arrive ahead of the general public), priority security line access, and priority boarding with elites ahead of Explorer cardholders.
6. Hyatt Platinum status
7. Hertz President’s Circle status
8. Added benefits for non-elite travelers: Expanded coach saver award availability, expanded Plan B business saver award availability, last seat coach and business standard award availability.
9. Added benefits for elite travelers: Upgrades on award tickets, waived PQD spend requirement on flights if you spend $25K on United cards annually.
10. Primary rental car insurance worldwide.
11. Miles will never expire as long you remain a cardholder.
Annual fee:
$395.
Learn more about the card’s benefits here.

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Ultimate Rewards cards with transferable point currencies:

-Chase Ink Plus
Signup Bonus:
50K points for spending $5,000 in 3 months.
Spend benefits:
1. 5 points per dollar on landline, cellular, cable, and internet provider spending.
2. 5 points per dollar on office supply spending, including gift cards for hundreds of other stores sold by office supply stores.
3. 2 points per dollar on hotels and gas.
4. No foreign exchange/transaction fees.
5. Spending won’t hurt your credit score.
Travel benefits:
1. Free Lounge Club membership with 2 free lounge entries annually for primary and secondary cardholders.
2. Points transfer instantly to airlines, hotels, and Amtrak and allows the transfer of points from cards like Freedom and Ink Cash into miles as well.
Annual fee:
$95, waived for the first year.
Learn more about the card’s benefits here.

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-Chase Sapphire Preferred
Signup Bonus:
40K points for spending $4,000 in 3 months plus 5,000 points for adding a free additional user.
Spend benefits:
1. 2 points per dollar on all travel including airfare, hotel stays, car rentals, restaurants, catering, fast food, coffee shops, bars, lounges, cafes, taxis, Uber, parking, limos, buses, trains, EZPass, bridges, ferries, timeshares, etc.
2. 3 points per dollar on the first Friday of every month at restaurants, fast food, coffee shops, catering, bars, lounges, and more.
3. Price protection, return protection, purchase protection, and warranty protection
Travel benefits:
1. Trip cancellation insurance, lost luggage protection, trip delay protection, baggage delay protection, and travel accident insurance
2. Points transfer instantly to airlines, hotels, and Amtrak and allows the transfer of points from cards like Freedom and Ink Cash into miles as well.
3. Primary rental car insurance worldwide.
Annual fee:
$95, waived for the first year.
Learn more about the card’s benefits here.

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-Chase Freedom
Signup Bonus:
10K points (marketed as $100, but comes in the form of points) for spending $500 in 3 months plus 2,500 points for adding a free additional user.
Spend benefits:
1. 5 points per dollar in rotating categories such as grocery, gas, restaurants, and Amazon.com
2. 10% bonus points on top of all points earned in 2015 if you have a Chase checking account.
3. 0% purchase and balance transfer APR for 15 months.
Annual fee:
None.
Learn more about the card’s benefits here.

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-Chase Ink Cash
Signup Bonus:
20K points for spending $3,000 in 3 months.
Spend benefits:
1. 5 points per dollar on landline, cellular, cable, and internet provider spending.
2. 5 points per dollar on office supply spending, including gift cards for hundreds of other stores sold by office supply stores.
3. 2 points per dollar on dining and gas.
4. Spending won’t hurt your credit score.
5. 0% purchase and balance transfer APR for 12 months.
Travel benefits:
1. Free Lounge Club membership with 2 free lounge entries annually for primary and secondary cardholders.
Annual fee:
None.
Learn more about the card’s benefits here.

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$0 and 0% BT fees:

-Chase Slate
Spend benefits:
1. 0% purchase and balance transfer APR for 15 months.
2. No balance transfer fees.
Annual fee:
None.

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Hotel cards:

-Chase Marriott Premier
Signup Bonus:
1 free night at Category 1-4 hotels upon approval and another 50K points for spending $1,000 within 3 months.
Spend benefits:
1. 5 points per dollar spent at Marriott
2. 2 points per dollar spent on airfare, car rentals, and dining.
3. 1 Elite credit for every $3,000 spent
4. No foreign exchange/transaction fees.
Travel benefits:
1. Receive 1 free night at Category 1-5 hotels every account anniversary.
2. 15 credits toward elite status every account anniversary.
Annual fee:
$85, waived for the first year.

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-Chase Hyatt
Signup Bonus:
2 free nights for spending $1,000 within 3 months. Nights must be booked and used within 12 months or they will expire.
Spend benefits:
1. 3 points per dollar spent at Hyatt.
2. 2 points per dollar spent on airfare, car rentals, and dining.
3. No foreign exchange/transaction fees.
Travel benefits:
1. Receive 1 free night at Category 1-4 hotels every account anniversary.
2. Platinum status, though it doesn’t do much now that the bed type guarantee has been eliminated and internet is free for all guests. You do get a 15% point bonus on paid stays.
Annual fee:
$75, waived for the first year.

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49 Responses to “Are You Maximizing All Of The Benefits Your Cards Give You? A Look At The Published And Unpublished Perks Of 11 Chase Credit Cards”

  1. D. Says:
    1

    “2. TSA security passes for gate access even when you aren’t flying at airports with a United Club.”

    How?

    Why?

    ReplyReply
  2. Dan Says:
    2

    @D.:
    When you have a full United Club membership you can go to the checkin counter and get a gate pass for you and your guests to visit the Club.

    Click on “learn more” links to read more about that.

    ReplyReply
  3. Betteroffer Says:
    3

    You can get 70k points and the free night for Marriott instead if that link with 50k.(some reported getting 80k!)

    I’m not sure why the chase IHG card was left out. You can get 80k points + $50 for signing up. The points can always be bought for .7 cents each but that’s still a $610 sign up bonus after only $1,000 spend. It’s a terrible card for spending but it’s a keeper card because every year you pay the $49 annual fee, you get a free night at ANY IHG property!

    Also the ritz Carlton 140k points + $300 + marriott gold status+ Loungeclub is a great card left out of this post.

    ReplyReply
  4. riva Says:
    4

    Looking for a cc that gives free rooms. Is that better than the chase freedom and cash out? I would like to get free rooms for the summer…

    ReplyReply
  5. Jacob Says:
    5

    If I don’t have my own auto insurance policy, is the car rental coverage on the Freedom the same as on the United/Sapphire Preferred cards? What about amex cards?

    I’m asking strictly from a coverage point of view, not rewards.

    Thank you very much!

    ReplyReply
  6. Dave Says:
    6

    @Dan, With United Explorer, if you add an add’l user a few weeks after you sign up for the card, will you still get the extra 5000 points? Thanks

    ReplyReply
  7. levi Says:
    7

    any hertz status with the united explorer card?

    ReplyReply
  8. @dave Says:
    8

    @dave you have also 90 days to add additional user and spend on it to get the bonus, You should be fine

    ReplyReply
  9. Betteroffer Says:
    9

    If you want free rooms look where you want to vacation. Are there SPG hotels for 4,000 points a night? Marriott for less than 15,000?
    IHG for less than 15,000?
    Do you want luxury rooms on points or are you looking for hotel rooms that are normally $80-$120?

    ReplyReply
  10. Alexander Says:
    10

    I have the United Presidential Plus card. Any reason to change it to United Club or are they both the same?

    ReplyReply
  11. Dan Says:
    11

    @Betteroffer:
    I don’t see a Marriott 70K link.

    IHG card isn’t bad, but their points are just worth very little and most of their hotels aren’t exciting or are hard to book due to capacity controls.

    IF you’re holding a card for long you’re missing out as well.

    @riva:
    Is what better?

    @Jacob:
    Yes.
    As for AMEX, they exclude many countries such as Israel.

    @Dave:
    Yes.

    @levi:
    No.

    @Alexander:
    United PP gives 1 RDM (redeemable miles) and 0.2 PQMs (elite status miles) per dollar spent.
    United Club gives 1.5 RDM per dollar spent.

    ReplyReply
  12. Noach Says:
    12

    The BA card will take off 10% from a BA flight if I pay with that card? This will show up on the purchase price or as a refund?

    ReplyReply
  13. Dan Says:
    13

    @Noach:
    There’s a code to use. Click on the “learn more” link under the BA section.

    ReplyReply
  14. Alexander Says:
    14

    Does United Plus give PQM?

    ReplyReply
  15. Dan Says:
    15

    @Alexander:
    Like I said,

    United Presidential Plus gives 1 RDM (redeemable miles) and 0.2 PQMs (elite status miles) per dollar spent.

    United Club gives 1.5 RDM per dollar spent and no PQMs.

    ReplyReply
  16. Michael Says:
    16

    Dan:
    I have an old BA Chase Visa Signature account, which I never use.
    However, I am not charged any annual fees.
    Is there any way to avoid cancelling this card in order to take advantage of the current 50,000 Avios sign-up bonus?
    Thanks.

    ReplyReply
  17. cc Says:
    17

    Thanks Dan for breaking everything down.
    I recently got a chase freedom.
    I’m looking for a business card that i can transfer a 3,000 balance from my bank of america business cc so that I can pay it up over the year. would that be chase cash?
    Thanks!

    ReplyReply
  18. Larry Says:
    18

    The “Primary rental car insurance worldwide” is pretty much non-existent. You must rent the car with no discounts or coupons. I used discount coupons, hit a curb, dented the fender, and they refused to cover any of it because I had a discounted rate.

    ReplyReply
  19. shlomo Says:
    19

    Have 2 book to israel under delta..

    Whic CC should I use?
    Amex business 3x points?

    ReplyReply
  20. Anonymous Says:
    20

    @CC unless you choose a card with no balance transfer fee, never do a balance transfer. Instead manufacture spend on the new card and use the $ to pay the old one.
    There are plenty of ways. Easiest is the target redcard.

    ReplyReply
  21. cc Says:
    21

    @Anonymous: Thanks!

    ReplyReply
  22. reuvenhunt Says:
    22

    For the UA Explorer card:

    If I spend 25k in one calendar year, when will my 10k bonus post? I opened the card in August and would like to close it before the annual fee posts.

    ReplyReply
  23. Q Says:
    23

    How soon after closed SW can re apply w SB?

    ReplyReply
  24. CW Says:
    24

    I just signed up for the ink plus this summer for the 70000 points and was charged $95 annual fee right away! Was that a mistake?? Should I call chase?

    ReplyReply
  25. riva Says:
    25

    @dan was wondering if spg card is better than using a regular card and either cashing out at 1% (and use that money for the hotel) or try to sell but unlikely at a higher rate.
    @betteroffer looking for a suite since there are 6ppl and that is too many for one room. Hope to go West. CA, but not the LA area.

    ReplyReply
  26. Matt Says:
    26

    @CW: it’s not a mistake!! The annual fee is waived only if you got 50k UR not 70k

    ReplyReply
  27. Matt Says:
    27

    Great post Dan thank you
    Can you do the same for Amex? Please

    ReplyReply
  28. @Yehuda Says:
    28

    Nice roundup. Thanks.

    ReplyReply
  29. lakewooder Says:
    29

    correction just got a slate in the terms it say that either or either 0 apr on balance transfer OR on new purchases

    ReplyReply
  30. Dan Says:
    30

    @Larry:
    Not true in my experience.

    As long as you don’t use a free day coupon it’s fine.

    Either way, if you do get into an accident, just ask that any coupons used be removed.

    @shlomo:
    Sure.

    @reuvenhunt:
    Should post on the statement after meeting the threshold.

    @CW:
    Not a mistake, that was a different offer.

    @riva:
    1% is awful.

    @Matt:
    Sure.

    @@Yehuda:
    Thanks.

    @lakewooder:
    False.

    ReplyReply
  31. Kalboz Says:
    31

    Great thanks for the extensive list!

    Do you have another one for the AMEX cards?

    ReplyReply
  32. Liam Knuj Says:
    32

    Looking for a card for my son to use in Israel to withdraw money (i.e. no or minimal transaction fees). A “traditional” credit card is not an option. Looking for a debit, prepaid, secure, etc., card.

    ReplyReply
  33. jack Says:
    33

    does the 10% off on ba flights using the chase Ba cc apply only on the ba website or 3rd party websites too?

    ReplyReply
  34. Ari Says:
    34

    Dan, thanks for another great round up.
    DO citi cards have anything worthwhile to offer. 2 percent cash back on everything seems like a decent deal on some purchases?

    ReplyReply
  35. Anonymous Says:
    35

    @Dan: did you try it it clearly stated in the terms?

    ReplyReply
  36. Anonymous Says:
    36

    @Liam Knuj: Investors Bank does not charge anything to withdraw money in Israel when using their debut card.

    ReplyReply
  37. boruch Says:
    37

    1) Does the Chase Hyatt CC still give you 2 free suite nights when you are a Hyatt platinum member at the time of application?

    2) If yes to above, is it worth it to get the United Club CC for the Hyatt platinum status, in order to get two free suite nights?

    3) Does the Chase 24 month policy go in effect from opening a cc or closing a cc? I just canceled my Chase Haytt cc, but I opened it about 30 months ago.

    TYIA

    ReplyReply
  38. Dan Says:
    38

    @Kalboz:
    I’ll make one.

    @Liam Knuj:
    TD?

    @jack:
    BA.com with the code.

    @Ari:
    You can do better than 2%.

    @Anonymous:
    No idea what you’re referring to.

    @boruch:
    1. No.
    3. Opening.

    ReplyReply
  39. yitzyB Says:
    39

    Club card looks awesome. Would u recommend that over plat?

    Also if u canced the club, will u get to keep ur hertz status? What about Status M?

    ReplyReply
  40. K Says:
    40

    Thanks Dan. So the United Explorer card has benefits that the United Club card does not have?

    ReplyReply
  41. Danfan Says:
    41

    What do tier points do for you with Southwest and how long do they last?

    ReplyReply
  42. JG Says:
    42

    If I need to cancel a trip that I paid for with my Sapphire Preferred..do I need to give them a note proving why I need to cancel the trip or do I just call them?

    ReplyReply
  43. Shmuel Says:
    43

    ” Price protection, return protection, purchase protection, and warranty protection” – isn’t this benefit comes with all chase cards?

    ReplyReply
  44. Yossi Says:
    44

    @DAN I signed up for amex offer and was not rewarded signup bonus. Rep told me it’s because I had this offer previously. Is there any way for me to get it honored?

    ReplyReply
  45. Deal guy Says:
    45

    @yossi

    You can only get one Amex signup bonus for life on each card.

    ReplyReply
  46. Anonymous Says:
    46

    @Anonymous:

    Would withdrawal fee of $0 apply still be the case if it was Spain/France/Italy/Germany? If not, what’s the best bank to use?
    Thanks!

    ReplyReply
  47. Username Says:
    47

    Links still appear to be working.

    ReplyReply
  48. Link Says:
    48

    Links still working and it’s past 5pm

    ReplyReply
  49. MBA Says:
    49

    Dan,

    I am considering paying off some student loans using one of my many credit cards I have accumulated through following your blog. I currently hold (AA Advantage, Delta Skymiles, British Avios, Marriott Visa and several others that are not as relevant for this post). My question is which one of these has the most benefit for a sizeable charge in one calendar year? In other words, I know some cards give a complimentary companion pass and platinum status and other perks….etc if you spend above a certain threshold >25k in a calendar year in addition to regular miles earned. Where can I get the biggest bang for the buck among these cards or is there another card I should open up to take advantage? Thanks.

    ReplyReply

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