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
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
1.5X on all purchases
5X on Lyft till March 2025
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseLyft5×
- Everything elseAll Purchases1.5×
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.
- 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.
- Travel and Emergency Assistance
Provides legal and medical referrals and access to other travel and emergency assistance services. You will be responsible for the cost of any goods or services obtained.
- Roadside Assistance
If you have a roadside emergency, call for dispatch. Service fees will be billed to your card.
- Complimentary Instacart+ membership
Enroll to get a complimentary three-month lnstacart+ membership. Plus, once activated, lnstacart+ members get a $20 Instacart credit each month. Enrollment Required. Benefits end 12/31/27.
- Employee cards at no additional cost
Set individual spending limits and earn rewards faster with employee cards.
- Chase Pay Over Time®
Break up eligible credit card purchases of $100 or more into manageable monthly payments with a fixed monthly fee.
- Business Management Tools
Manage cash flow, build business credit, get insights with quarterly reports, and separate business and personal expenses.
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.
