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Chase Travel Rewards Credit Cards: A Complete Guide

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About JPMorgan Chase & Co.

JPMorgan Chase & Co. is a very large and reputable banking institution. Founded in 1799, the modern day Chase Bank is the result of over 1,000 amalgamated companies over 200 years and now serves almost half of all American households.

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Chase Travel Credit Cards

Chase Travel Credit Cards

Chase Bank stocks 22 credit cards in its arsenal, 16 of which are cards with travel awards. Which have the best travel perks? Best rewards for YOUR kind of get-aways? Find all of those answers and more here.

Chase Bank Credit Cards

  • Chase Sapphire Preferred
  • Chase Sapphire Reserve

Chase Co-Branded Airline Rewards Credit Cards

  • Southwest Rapid Rewards Plus
  • United MileagePlus Explorer
  • United MileagePlus Club
  • British Airways Visa Signature

Chase Co-Branded Hotel Rewards Credit Cards

  • Marriott Rewards Premier
  • IHG Rewards Club Select
  • The Hyatt Card
  • The Ritz-Carlton Rewards
  • Disney Premier Visa
  • Disney Visa

Chase Business Travel Credit Cards

  • Ink Business Preferred
  • Southwest Rapid Rewards Premier Business
  • Marriott Rewards Premier Business

Chase Bank Credit Cards with Travel Rewards

Chase offers two of its own credit cards that have exclusive travel rewards: The Chase Sapphire Preferred credit card and the Chase Sapphire Reserve credit card.

Both cards have an introductory offer of 50,000 bonus points after you spend $4,000 on purchases in the first three months, and Sapphire Preferred cardholders also have their annual fee waived for the first year.

Offering an extended array of benefits for the hefty annual fee of $450, the Sapphire Reserve card is geared more to frequent, luxury and business travellers while the Sapphire Preferred card is best used by those who like to collect vacation points.

Chase Ultimate Rewards

Chase Ultimate Awards

Chase Ultimate Rewards points work much like all other rewards programs, essentially you earn points when you make purchases using your credit card and then can later redeem them for cash, gift cards and travel.

When Sapphire Preferred cardholders redeem their points for travel, they earn 25% more and Sapphire Reserve cardholders earn 50% more. The points will not expire as long as the cardholder keeps their account open.

By the 16th century, the banks of Europe were owned by a few dynastic families whose primary service was to lend money to the monarch.

Chase offers 2 points for every $1 you spend in the "travel" category.

This includes airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

You earn 1 point for every $1 spent on anything else.

Read detailed review of Chase Sapphire Reserve credit card.

Chase Sapphire Preferred Chase Sapphire Reserve
Lowest Credit Score Needed Low to mid-700s Low to mid-700s
Introductory Offer - 50,000 bonus points if you spend $4,000 in the first 3 months
- 5,000 bonus points after adding an authorized user in the first 3 months
50,000 bonus points if you spend $4,000 in the first 3 months
Annual Fee $0 for 1st year, $95 after $450 ($75 for each additional card)
Foreign Transaction Fee None None
Earning Points: Travel & Dining 2 per $1 spent 3 per $1 spent
Bonuses - $300 Annual Travel Credit
- Global Entry or TSA Pre ✓ Application Fee Statement Credit: When your card is used to pay the application fee for either Global Entry or TSA Pre ✓, you will receive either $100 or $85 statement credit per account every four years
Perks - No blackout dates
- No travel restrictions
- Complimentary Priority Pass Select Membership: provides access to 1,000+ VIP lounges in over 500 cities
- Car rental upgrades
- Luxury Hotel & Resort Collection (LHRC) program benefits & Guest Privileges
Redeeming Points: Cash & Gift Cards 1 point = 1 cent 1 point = 1 cent
Redeeming Points: Travel Rewards flights: 100 points = $1.25 Reward flights: 100 points = $1.50
Points expire if ... You close your account You close your account
Travel Coverage - Trip Cancellation/Trip Interruption: up to $10,000 reimbursed
- Travel & Emergency Assistance Services: Referral service only, does not cover any costs
- Auto Rental Collision Damage Waiver: Reimbursed up to the cash value of rental car in U.S. and abroad
- Trip Cancellation/Trip Interruption: up to $10,000 reimbursed Trip Delay Reimbursement: up to $500 per ticket
- Luggage Reimbursement: up to $3,000 per passenger
- Travel & Emergency Assistance Services: Referral service only, does not cover any costs
- Auto Rental Collision Damage Waiver: Reimbursed up to $75,000 in U.S. and abroad

1-to-1 Chase Sapphire Credit Cards Transfer

Chase Sapphire Credit Cards Transfer

Here is the real deal of having one of these cards: your Chase Ultimate Awards points can be transferred for free to other travel rewards cards!! Meaning, if you want to use a different card for an exceptional offer, you can easily use your accrued Chase Ultimate Awards points to get it!! You can also transfer unused points to friends.

Chase Ultimate Awards points can be transferred to any of these partners' rewards programs:

Airline Travel Partners

  • British Airways Executive Club
  • Flying Blue AIR FRANCE KLM
  • Korean Air SKYPASS
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus®
  • Virgin Atlantic Flying Club

Hotel Travel Partners

  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards
  • World of Hyatt
  • Chase Co-Branded Airline Credit Cards customer opinions

    What Do Customers Say?

There are not many complaints about the Chase Sapphire Preferred and Reserve credit cards. The introductory offer is great and the flexibility of transferring points has garnered raves from cardholders. Those who are happiest with the card are those who do not carry a balance as the APR is high.

Like most bank credit cards with travel rewards, the main complaint is the high cost of tickets when you book travel through the rewards program.

Online travel writers and points reviewers love these cards. They have developed unique ways to increase their points using the free points transfer option and have some really great stories about the trips they have made using Chase Ultimate Awards.

Chase Co-branded Hotel Rewards Credit Cards

Chase Co-branded Hotel Rewards Credit Cards

Chase also has a slew of co-branded hotel credit cards that offer rewards and discounts on your favorite places to stay. They range from luxury (Ritz-Carlton) to family-oriented (Disney) and provide a variety of perks for cardholders.

Luxury travellers will enjoy the perks of the Ritz-Carlton Rewards credit card. They include $100 hotel credit toward dining, spa or recreational activities when you stay two or more nights and upgrade to the opulent Club Level three times per year for up to seven nights.

The Club Level includes concierge services, complimentary culinary presentations and elegant spaces to work or lounge.

The Marriott Rewards Premier, IHG Rewards Club Select and Hyatt credit cards are designed for frequent travellers who want to save money on their hotel stays and can really benefit from the points they earn towards further travel.

Read a detailed review of Marriott Rewards Premier credit card.

The two Disney cards issued by Chase are all about saving money for family travel and entertainment at Disney's theme parks, resorts and stores.

As the only co-branded hotel card on the list that charges a foreign transaction fee, it is safe to assume that most cardholders will be travelling within the U.S.

Marriott Rewards Premier IHG Rewards Club Select The Hyatt The Ritz-Carlton Rewards Disney Premier Visa Disney Visa
Lowest Credit Score Needed High 600s to low 700s High 600s to low 700s Low to mid-700s Low to mid-700s High 600s to low 700s High 600s to low 700s
Introductory Offer - 80,000 bonus points if you spend $3,000 in the first 3 months
- 7,500 bonus points if you add an authorized user in the first 3 months
- 30,000 bonus points after 1st purchase that can be redeemed for 4 free nights at a Category 1 hotel
- 80,000 bonus pointsif you spend $1,000 in the first 3 months
- 5,000 bonus points if you add an authorized user in the first 3 months
- 40,000 bonus points if you spend $2,000 in first 3 months
- 5,000 bonus points if you add an authorized user in the first 3 months
- 2 nights stay at Tier 1-4 Ritz-Carlton hotel if you spend $4,000 in the first 3 months
- 10,000 bonus points if you add an authorized user in the first 3 months
$200 Disney Gift Card after you spend $500 in the first 3 months $50 Disney Gift Card after 1st purchase
Annual Fee $85 $0 first year, $49 after $75 $450 $49 $0
Foreign Transaction Fee None None None None 3% 3%
Hotel Stay Points & Bonuses 5 points per $1 at Marriott & SPG hotels 5 points per $1 at IHG hotels - 3 points per $1 at Hyatt hotels & resorts
- Automatic Platinum status for 1st year
5 points per $1 at Ritz-Carlton & SPG hotels 2% at Disney locations 2% Disney locations
Travel Points & Bonuses - 2 points per $1 on airline tickets & car rentals
- VISA Concierge
- None - 2 points per $1 on airline tickets & car rentals
- Priority Pass Select membership: access to VIP airport lounges
- $100 statement credit for Global Entry application fee
- VISA Concierge
- 2 points per $1 on airline tickets & car rentals
- $100 savings on 2-5 round-trip, domestic coach airline tickets on the same itinerary
- Car rental upgrades
- J.P. Morgan Premier Concierge
- 0% APR for six months on select Disney vacation packages
- Statement credit toward airline travel
0% APR for six months on select Disney vacation packages
Dining Points & Bonuses 2 points per $1 2 points per $1 spent (also valid for buying gas & groceries) 2 points per $1 2 points per $1 - 2% in Rewards Dollars (also valid for buying gas & at most Disney locations)
- 10% off dining at theme parks & resorts
10% off dining at theme parks & resorts
Points earned on all other purchases 1 point per $1 1 point per $1 1 point per $1 1 point per $1 1% in Rewards Dollars 1% in Rewards Dollars
Anniversary Bonus - Free night stay
- 15 Elite Night credits toward an Elite membership level
- Free night stay
- 10% rebate point redemptions
Free night stay - $300 travel credit for baggage fees, seat upgrades, airport lounge, etc
- 10% points premium
None None
Other Bonuses 1 Elite Night credit for each $3,000 spent None Hyatt Discoverist status can earn 10% more points - $100 Hotel Credit toward dining, spa or recreational activities on two or more nights stays
- Upgrade to Club level 3x per year on up to seven nights stay
- Automatic Gold Elite status for 1st year
- 10% off on purchases of $50 or more at theme parks, resorts and Disney Stores
- 15% off guided tours
- Exclusive photos with Disney or Star Wars characters at theme parks
- 10% off on purchases of $50 or more at theme parks, resorts and Disney Stores
- 15% off guided tours
- Exclusive photos with Disney or Star Wars characters at theme parks
Exclusive Events No No No No Yes Yes
Point will expire ... If card is not used in 24 months If card is not used in 12 months If card is not used in 24 months If card is not used in 24 months 5 years from the date posted to account 5 years from the date posted to account
Redeem Points Free hotel stays start at 25,000 points Free hotel stays start at 10,000 Free hotel stays start at 5,000 points Free hotel stays start at 30,000 Rewards Dollars are redeemed for gift cards that can be used like cash at all Disney theme park tickets, resort stays, shopping, dining, movies, etc. Rewards Dollars are redeemed for gift cards that can be used like cash at all Disney theme park tickets, resort stays, shopping, dining, movies, etc.
Status Upgrades Yes Yes Yes Yes No No
Travel Coverage - Trip Cancellation/Trip Interruption: Up to $5,000
- Trip Delay Reimbursement: Up to $500 per ticket
- Baggage Delay: Up to $100 a day for 5 days
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Baggage Delay: Up to $100 a day for 5 days
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Trip Cancellation/Trip Interruption: Up to $5,000
- Baggage Delay: Up to $100 a day for 5 days
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Trip Cancellation/Trip Interruption: Up to $10,000
- Trip Delay Reimbursement: Up to $500 per ticket
- Baggage Delay: Up to $100 a day for 5 days
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Auto Rental Collision Damage Waiver: Up to the cash value of rental car in U.S. and abroad
Baggage Delay: Up to $100 a day for 5 days Baggage Delay: Up to $100 a day for 5 days
  • Chase Co-Branded Airline Credit Cards customer opinions

    What Do Customers Say?

In general, Marriott Rewards Premier credit cardholders are satisfied with the benefits offered, especially the annual free night at the hotel's most elite properties and finest rooms – the cost of that alone is far greater than the card's annual fee.

Customers are also thrilled at the bonus points that can be redeemed for a 4-night stay after their first purchase, especially because it is for a luxurious Category 1 property.

IHG Rewards Club Select credit card has a few complaints about using it overseas. It seems many cardholders have had their cards declined in other countries cancelling out the whole reason to have the card in the first place.

Many people have this card as a supplement to their Chase Sapphire credit card and use the two together to get the most out of the rewards.

The Hyatt credit cardholders like the low annual fee and the perks offered by the automatic Platinum status for the first year, but what they really love is the ability to upgrade their rooms using their points.

The Ritz-Carlton Rewards credit cardholders enjoy the luxury offered by the Ritz-Carlton properties and like that they can upgrade to Club Level three times every year and the $100 hotel credit per stay. There was lots of chatter online about scoring great hotel stays with the two-night stay introductory offer.

Those who own Disney credit cards really like the savings and perks they get at theme parks, and especially cruises, but those who have had to keep a balance every month are certainly feeling the pain of the high interest rate.

The 1st national bank was the Bank of Sweden, established in 1668, followed by the Bank of England in 1694.

Chase Co-Branded Airline Credit Cards

Chase Co-Branded Airline Credit Cards

Chase also offers four co-branded Airline travel rewards credit cards: Southwest Rapid Rewards Plus Credit Card, United MileagePlus Explorer card, United MileagePlus Club card, and the British Airways Visa Signature card.

If most of your travel is within the U.S., the British Airways Visa Signature card is not for you.

It doesn't have many domestic carrier partners, but does have plenty in Europe and if you use your card often enough, you can receive a Travel Together Ticket that allows you to bring a friend along for free when you book a ticket using your Avios for two years.

Southwest Rapid Rewards Plus credit cards have the lowest annual fee, but are also the only card Chase offers to charge a foreign transaction fee. That can hurt if you plan to use your credit card while travelling internationally.

However, if you are a frequent domestic flyer to cities serviced by Southwest Airlines, collecting enough points for a Companion Pass is pretty sweet.

Read detailed review of Southwest Rapid Rewards credit cards.

The best two Chase airline cards for rewards are by far the United MileagePlus credit cards.

The United MileagePlus Club credit card is expensive with an annual fee of $450, but if you need to travel often, the rewards are worth it. You get 50% more miles on every dollar you spend and get perks like access to exclusive airport lounges, Premier Access travel services that can allow you to bypass long line-ups and airport wait times and all sorts of upgrades, including a World of Hyatt Discoverist status.

Also, the miles earned using United MileagePlus credit cards can be used to book flights on Star Alliance – a partnership of 28 airlines around the world to choose from.

Plus, the United MileagePlus credit cards have the most extensive travel insurance coverage, including trip cancellation reimbursement and insurance on rental cars in the U.S. and abroad.

Southwest Rapid Rewards Plus United MileagePlus Explorer United MileagePlus Club British Airways Visa Signature
Lowest Credit Score Needed High 600s to low 700s Low to mid-700s Low to mid-700s Mid-700s or above
Introductory Offer 40,000 bonus points after you spend $1,000 on purchases in the 1st three months - 40,000 bonus miles after you spend $2,000 on purchases in the 1st three months
- 5,000 miles after you add 1st authorized user and make 1st purchase in the 1st three months
$100 statement credit after 1st purchase - Earn 50,000 bonus Avios after you spend $3,000 in the 1st three months
- Additional 25,000 Avios after you spend $10,000 or 50,000 bonus Avios after you spend $20,000 within 1st year
Annual Fee $69 $95 $450 $95
Foreign Transaction Fee 3% None None None
Rewards - 1 point on every $1 spent
- 2 points on every $1 spent on Southwest purchases
- 1 mile on every $1 spent
- 2 miles on every $1 spent on United tickets
- 1.5 miles on every $1 spent
- 2 miles on every $1 spent on United tickets
- 1 Avios on every $1 spent
- 3 Avios on every $1 spent on British Airways purchases
Redeem Rewards - Rewards flights: start at 1.5 cents per point
- Can also use points for hotels, car rentals, gifts cards, exclusive events & merchandise
- Tickets cannot be purchased using points & cash
- Reward flights on United or Star Alliance: start at 30,000 miles one-way
- Can also use miles for upgrades, inflight Wi-Fi, hotel stays & car rentals
- Reward flights on United or Star Alliance: start at 30,000 miles one-way
- Can also use miles for upgrades, inflight Wi-Fi, hotel stays & car rentals
- Rewards flights: use Avios to pay for ticket, but you have to pay for taxes, fees & carrier charges
- Rewards flight costs are based on distance, date & class, but they start at 4,500 Avios
- Tickets can be purchased using Avios & cash
- Can also use Avios for upgrades, hotels & car rentals
Friends Fly for Free Rewards Fly 100 one-way flights or earn 110,000 qualifying points in a year & earn a Companion Pass good for one year No No Spend $30,000 in a year & earn a Travel Together Ticket good for two years
Points expire ... No expiry with open account If card is not used in 18 months If card is not used in 18 months No Avios activity in 36 months
Yearly Bonus 3,000 points - 2 United Club Passes
- 10,000 bonus miles after you spend $25,000 each year
none none
Perks - 2 bags checked free
- No blackout dates
- 1 bag checked free
- Priority boarding
- Luxury Hotel & Resort Collection (LHRC) program benefits & Guest Privileges
- 2 bags checked free
- No blackout dates
- Close-in booking fee waiver
- Premier Access travel services: priority check-in, security screening, boarding & baggage handling privileges
- World of Hyatt: Discoverist Status
- Luxury Hotel & Resort Collection (LHRC) program benefits & Guest Privileges
- VISA Concierge
Exclusive Events Yes Yes Yes No
Club Privileges No No United Club Executive Club
Upgrades Yes Yes Yes No
Travel Coverage - Lost Luggage Reimbursement: up to $3,000 per passenger
- Baggage Delay: up to $100 a day for 3 days
- Trip Cancellation/Trip Interruption: Up to $10,000
- Trip Delay Reimbursement: Up to $500 per ticket
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Baggage Delay: Up to $100 a day for 3 days
- Auto Rental Collision Damage Waiver: Up to the cash value of rental car in U.S. and abroad
- Trip Cancellation/Trip Interruption: Up to $10,000
- Trip Delay Reimbursement: Up to $500 per ticket
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Baggage Delay: Up to $100 a day for 3 days
- Auto Rental Collision Damage Waiver: Up to the cash value of rental car in U.S. and abroad
- Lost Luggage Reimbursement: up to $3,000 per passenger
- Baggage Delay: up to $100 a day for 3 days
- Auto Rental Collision Damage Waiver: Coverage is secondary to personal insurance in the U.S., but covers in both U.S. and abroad
  • Chase Co-Branded Airline Credit Cards customer opinions

    What Do Customers Say?

All-in-all, Southwest Rapid Rewards Plus cardholders are happy with their cards, however, some feel like they should be offered more incentives to stay loyal customers. They could be right, as Southwest's rewards look a little stingy next to those offered by United MileagePlus cards.

The United MileagePlus Explorer and Club credit cards are also a big hit with customers who are generally pleased with their travel experiences and savings. They enjoy the generous introductory offer and balance bonuses. Those who use the United MileagePlus Explorer Business card are also pleased with the free cards for employees.

Those who own British Airways Visa Signature credit cards find the annual fee a little high and the only real winners are those who frequently fly British Airways. That said, customers do like the low amount they are required to spend on the card (only $3,000) in the introductory offer to get 50,000 bonus Avios. The downside of this card, according to many, is the high cost of taxes, fees & carrier charges that you have to pay on Rewards flights.

The first American national bank was founded by Alexander Hamilton after the Revolutionary War.

Chase Co-branded Business Travel Credit Cards

Chase Co-branded Business Travel Credit Cards

Chase Bank also offers its own business travel credit card with the benefits of Chase Ultimate Rewards, as well as three co-branded business travel rewards credit cards: Southwest Rapid Rewards Premier Business, United MileagePlus Explorer Business and Marriott Rewards Premier Business credit cards.

The advantage to having a business card with travel rewards is the points you can earn on business supplies and services, and not necessarily using the card to travel.

Most do offer travel perks and higher point collection when you use the card for travel, but great point collection doesn't need to include frequent travel.

Chase Ink Business Preferred credit card is great for businesses that need internet services and advertise – both of which can earn points – and need the flexibility of the Chase Ultimate Awards.

Southwest Rapid Rewards Premier Business credit cards also offer great rewards for those who fly Southwest frequently, but because Southwest doesn't fly into as many cities as some other domestic carriers, the card only makes sense if you and your business are located in areas serviced by Southwest .

United MileagePlus Explorer Business credit card is, again, the best rewards credit card on the list if you really only want to collect United miles, but the card does not provide the same flexibility as the Chase Ink Business Preferred card.

Chase Ink Business Preferred Southwest Rapid Rewards Premier Business United MileagePlus Explorer Business Marriott Rewards Premier Business
Lowest Credit Score Needed Low to mid-700s Low to mid-700s Low to mid-700s Low to mid-700s
Introductory Offer 80,000 bonus points if you spend $5,000 on in the first 3 months - 60,000 bonus points if you spend $3,000 in the first 3 months
- 1 point per $1 of the first $15,000 of balance transfers made during the first 90 days
50,000 bonus miles if you spend $3,000 in the first 3 months 80,000 bonus points if you spend $3,000 in the first 3 months
Annual Fee $95 $99 $0 1st year, $95 after $99
Foreign Transaction Fee None None None None
Rewards earned on Business Purchases 3 points per $1 on the first $150,000 spent combined on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines 2 miles per $1 2 points per $1 spent at office supply stores, internet, cable and phone services
Travel Points & Bonuses See above - 2 points per $1 spent on Southwest flights, hotels & car rentals
- Earn 110,000 Tier Qualifying Points or take 100 one-way flights in a year & earn a Companion Pass good for one year
2 miles per $1 spent on United flights - 5 points per $1 spent at Marriott Rewards & SPG hotels
- 2 points per $1 spent on airline tickets & car rentals
All other purchases 1 point per $1 1 point per $1 1 mile per $1 1 point per $1
Yearly Bonuses None 6,000 bonus points - 2 United Club passes to airport lounges
- Reach $25,000 & receive 10,000 bonus miles, once per year
- Free night stay
- 15 Elite Night credits
Perks None - Unlimited reward seats
- No blackout dates
- 2 free checked bags
- No change fees
- Free employee cards
- VISA Concierge
- 2 bags checked free
- No blackout dates
- Close-in booking fee waiver
- Premier Access travel services: priority check-in, security screening, boarding & baggage handling privileges
- World of Hyatt: Discoverist Status
- Luxury Hotel & Resort Collection (LHRC) program benefits & Guest Privileges
- VISA Concierge
1 Elite night credit for each $3,000 spent
Redeem Rewards - Rewards flights: 100 points = $1.25
- Can also use points for cash, gift cards, Amazon.com orders & other travel: 100 points = $1
- Rewards flights: start at 1.5 cents per point
- Can also use points on hotels, merchandise, gift cards & events
- Reward flights on United or Star Alliance: start at 30,000 miles one-way
- Can also use points on hotels, merchandise, gift cards & events
- Free night stay start at 25,000 points
- Flights & car rentals
Points will expire ... If you close your account If card is not used in 24 months If card is not used in 24 months If card is not used in 24 months
Upgrades No Yes Yes Yes
Travel Coverage - Trip Cancellation/Trip Interruption: Up to $5,000
- Roadside Dispatch: Assistance provided and charged to card
- Auto Rental Collision Damage Waiver: Up to the cash value of rental car in U.S. and abroad
- Trip Cancellation/Trip Interruption: Up to the cash value of rental car in U.S. and abroad
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Baggage Delay: Up to $100 a day for 3 days
- Lost Luggage Reimbursement: Up to $3,000 per passenger
- Baggage Delay: Up to $100 a day for 3 days
- Trip Delay Reimbursement: Up to $500 per ticket
- Auto Rental Collision Damage Waiver: Up to the cash value of rental car in U.S. and abroad
- Trip Cancellation/Trip Interruption: Up to $5,000 - Trip Delay Reimbursement: Up to $500 per ticket - Lost Luggage Reimbursement: Up to $3,000 per passenger - Baggage Delay: Up to $100 a day for 3 days
  • Chase Co-Branded Airline Credit Cards customer opinions

    What Do Customers Say?

Chase Ink Business Preferred and United MileagePlus Explorer Business credit card customers and online reviewers all really think these cards are great. Everyone loves the introductory offer and find the cards really useful for business while racking up serious points and miles.

Similarly, customers of Southwest Rapid Rewards Premier Business credit card also had lots of positive things to say. Most find they are able to accumulate points quickly and enjoy lots of free flights. Criticisms were mainly centered around the high APR.

Cardholders really seem to like the benefits of the Marriott Rewards Premier Business credit card, however a few have mentioned that there is not many more perks than the personal Marriott Rewards card and the annual fee is higher.

Chase Bank founder J.P. Morgan was the man behind the U.S. railroads

Chase Sapphire Preferred VS United MileagePlus Explorer

Chase Sapphire Preferred VS United MileagePlus Explorer

Here is the real question: Is a Chase Bank co-branded airline card better than the travel rewards available on a Chase Sapphire credit card? Let's take a look.

Introductory Offers

Both cards have similar introductory offers, but United provides you the most points for the lowest amount you need to spend within the first three months of having the card.

  • Chase Sapphire Preferred: 50,000 bonus points if you spend $4,000 in the first 3 months
  • United MileagePlus Explorer:40,000 bonus miles if you spend $2,000 on purchases in the first 3 months

Annual Fees

The annual fee for each card is the same ($95), but Chase Sapphire Preferred give you the first year free.

Foreign Transaction Fees

Neither card charges them.

Earning Points

Each card offer the same point value for travel purchases (2 points or miles per $1), however United MileagePlus Explorer only gives you 2 points on tickets purchased through United Airlines for their tickets or tickets on one of their partner airlines in

Star Alliance. Chase Sapphire Preferred travel points can be earned through a host of travel partners, including transferring points to your United MileagePlus account.

Redeeming Points for Travel

Chase Sapphire Preferred cardholders who redeem their points towards travel get 25% more value. One point is worth 11/4 points when used on travel, meaning 100 points equals $1.25 or 50,000 points equals $625 you can use to travel.

United MileagePlus Explorer cardholders will need about 12,500 miles for a one-way Saver Award within North America. With the introductory offer, that is over three free flights.

Also, Chase Sapphire Preferred points can be redeemed for cash (1 point = 1 cent) and United miles cannot.

Points Expiration

Your Chase Sapphire Preferred points will not expire as long as you keep your account open, but United MileagePlus Explorer points will expire if you do not use your card for 18 months.

Travel Coverage

Both Chase Sapphire Preferred and United MileagePlus Explorer credit card offer the most important coverage you need when travelling – trip cancellation reimbursement and car rental insurance – but the insurance United MileagePlus offers is more extensive and includes coverage for lost or delayed baggage, as well as reimbursement for delayed trips.

Travel Perks & Bonuses

United MileagePlus Explorer offers more travel perks and bonuses than the Chase Sapphire Preferred including two United Club Passes yearly, 10,000 bonus miles if you spend $25,000 per year, one bag checked free, priority boarding and the Luxury Hotel & Resort Collection (LHRC) program benefits & Guest Privileges

Verdict

Verdict

If your motive for collecting travel rewards is to get cheap vacations fast, the Chase Sapphire Preferred credit card is for you.

It provides 25% more value when you redeem your points for travel, and the travel partners include the co-branded airline credit cards.

The flexibility of transferring points for free makes it the best Chase travel card for collecting and redeeming travel points.


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