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
4x
Dining
1x
Groceries
1x
Where it wins:
Stated credits ($1,920/yr) cover the $795 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
8x through Chase Travel, 4x flights & hotels booked direct, 3x social media & search advertising, 5x Lyft through 9/30/27, 1x else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- TravelFlights4×
- TravelHotels4×
- Dining1×
- Travel1×
- Groceries1×
- GasGas & Transit1×
- EntertainmentStreaming1×
- Everything elseShopping1×
- Everything elseOther1×
Welcome offer
200,000 points
- Spend $30,000 in 180 days
- Est. value: $4,200 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual Travel Credit$300/yr
Up to $300 in statement credits each anniversary year; purchases it covers earn no points
- The Edit Credit$500/yr
Up to $500 a year for stays booked with The Edit, $250 at most per booking, two-night minimum
- Google Workspace Credit$200/yr
Up to $200 a year on purchases made directly with Google Workspace
- ZipRecruiter Credit$400/yr
Up to $200 January to June and $200 July to December
- Lyft Credit$120/yr
$10 a month in Lyft credit through 9/30/27
- DoorDash Promos$300/yr
Up to $25 a month for DashPass members through 12/31/27
- Gift Card Credit$100/yr
Up to $50 January to June and $50 July to December
Benefits
- Lounge Access
Chase Sapphire Lounge by The Club and 1,300+ Priority Pass lounges, with up to two guests. Not for employee cards.
- Global Entry / TSA PreCheck
One statement credit of up to $120 every four years for Global Entry, TSA PreCheck or NEXUS.
- IHG Platinum Elite
IHG One Rewards Platinum Elite status through 12/31/27. Not for employee cards.
- DoorDash DashPass
Complimentary DashPass for 12 months when activated by 12/31/27.
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 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.
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.