Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
5x
Gas
2x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
5X on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each year.
2X on the first $25K spent in combined purchases at gas stations and restaurants each year.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elsePhone Bill5×
- Everything elseLyft5×
- Gas2×
- Everything elseAll Purchases1×
Welcome offer
750 points
- Spend $6,000 in 90 days
- Est. value: $8 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles.
- Travel and Emergency Assistance
Provides legal and medical referrals and access to other travel and emergency assistance services when you run into a problem while traveling away from home.
- Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
- Employee cards at no additional cost
Set individual spending limits and help earn rewards faster.
- Refer Business Owners
Earn 40,000 bonus points for each business that gets approved for any Chase for Business® credit card.
- Chase Pay Over Time®
Lets eligible Chase business card customers break up credit card expenses of $100 or more into manageable monthly payments with a fixed monthly fee.
- Complimentary Instacart+ membership
Enroll in your complimentary three-month lnstacart+ membership. Auto renews at $99/year after complimentary period. Benefit ends 12/31/27.
- Monthly Instacart credit$20/yr
Once activated, lnstacart+ members get a $20 Instacart credit each month automatically loaded into their lnstacart Business Account. Benefit ends 12/31/27.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.
