Annual Fee
$0
Foreign Txn Fee
3%
Credit Needed
Good (670+)
APR
18.24%–27.74% variable
Rewards Categories
5x Travel via Chase Travel
3x Dining (incl. takeout/delivery)
3x Drugstore purchases
1.5x All other purchases
Benefits
No annual fee
Cash back never expires while account is open, no minimum to redeem
6 months complimentary DashPass membership
Purchase protection (120 days, up to $500/item)
Extended warranty protection
Trip cancellation/interruption insurance
Chase Credit Journey free credit monitoring
Welcome Bonus
$200 bonus after spending $500 in first 3 months
Pros & Cons
Pros
Solid 1.5% baseline with no annual fee, plus 3-5x in common categories
Long 15-month 0% intro APR window
Can combine points with a Chase Sapphire card to unlock travel transfer value
Cons
3% foreign transaction fee makes it a poor travel card
1.5x base rate is below several flat 2% competitors
Cash back/points are worth less without a Sapphire card to pair with
Best For / Worst For
Best For
A simple everyday no-fee card, especially when paired with a Sapphire card for point transfers
Worst For
International travelers or anyone wanting a flat 2%+ baseline
Reward Valuation
1.5% cash back equivalent on most spending; if combined with a Chase Sapphire card, points can instead be transferred at 1.7–2.0 cents value.
Travel Protections
Trip Cancellation/Interruption
Reimbursement for prepaid, non-refundable travel expenses
Insurance Benefits
Purchase Protection
120 days, up to $500 per item
Extended Warranty
Extends eligible U.S. manufacturer warranties
Approval Odds
Subject to Chase's 5/24 rule. Generally approved with good credit (670+).
Historical Welcome Offers
June 2026
$200 bonus after $500 spend in 3 months
User Reviews
March 2026
Great Sapphire companion card
I pair this with my Sapphire Preferred and pool the points for travel transfers. Excellent no-fee combo.
— N.F.
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Last verified June 2026