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
Travel
20%
Dining
6%
Groceries
2%
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
10X on Chase dining, hotel and car rentals through Chase Travel Portal
10X on Lyft until March 2025
5X on airline travel booked through the Chase Travel Portal
3X on all other dining and all other travel
Rewards post to ultimate rewards.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- TravelHotels20%
- TravelFlights10%
- Dining6%
- Travel6%
- Groceries2%
- GasGas & Transit2%
- EntertainmentStreaming2%
- Everything elseShopping2%
- Everything elseOther2%
Welcome offer
60,000 Ultimate Rewards points
- Spend $6,000 in 90 days
- Est. value: $2,100 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual Travel Credit$300/yr
Automatic statement credit on first $300 in travel purchases each year
- DoorDash Credit$60/yr
$5/mo DoorDash credit
Benefits
- Lounge Access$469/yr
Unlimited Priority Pass Select lounge access worldwide.
- Global Entry / TSA PreCheck$100/yr
Statement credit for Global Entry ($100) or TSA PreCheck ($85).
- DoorDash DashPass$120/yr
Complimentary DoorDash DashPass membership — free delivery and reduced service fees.
Transfer partners
Where this card's points can go, and at what ratio. 12 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
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?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert ultimate rewards points to dollar value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Model transfer ratios to airline and hotel partners.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
Compare Sapphire Reserve
Head-to-head guides for cards shoppers often cross-shop.
FAQ's
We flag 720+ as a typical starting point — issuer approval depends on your full profile.
See the annual fee analysis above, or open the full calculator to model credits and perks against $795 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.