Best Categories for This Card
Dining & Restaurants
Gas Stations
Airfare
Car Rentals
Groceries
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 5x | Ongoing | — | 2.50% |
| Gas Stations | 5x | Ongoing | — | 2.50% |
| Airfare | 5x | Ongoing | — | 2.50% |
| Car Rentals | 5x | Ongoing | — | 2.50% |
| Groceries | 5x | Ongoing | — | 2.50% |
Everywhere else | 3x | Ongoing | — | 1.50% |
Card details
- Network
- Mastercard
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
- Last verified
- Oct 15, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Downgrade options: IHG One Rewards Credit Card — a product change keeps your account history if this card stops earning its fee.
Recent changes
- Oct 11, 2026Now earns 5x on Groceries, Gas Stations, Dining & Restaurants, Airfare and Car Rentals · source: creditcards.chase.com
- Oct 11, 2026Base earn rate 1x → 3x · source: creditcards.chase.com
- Oct 11, 2026Annual fee $99 → $150 · source: creditcards.chase.com
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Chase’s official page for the most up-to-date terms straight from the issuer.
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