Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +Two free checked bags saves up to $200+ per round trip
• +Elite Gold status with just one purchase in 90 days
• +$0 annual fee first year, then only $99
• +3X miles at restaurants
• +No foreign transaction fees

Cons

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −$99 annual fee after first year
• −Elite Gold status requires $3,000 spend to maintain
• −Free bags only for cardholder, not companions
• −Only 1X on most purchases
• −Frontier Miles have limited redemption options

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +Two free checked bags saves up to $200+ per round trip
• +Elite Gold status with just one purchase in 90 days
• +$0 annual fee first year, then only $99
• +3X miles at restaurants
• +No foreign transaction fees

Cons

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −$99 annual fee after first year
• −Elite Gold status requires $3,000 spend to maintain
• −Free bags only for cardholder, not companions
• −Only 1X on most purchases
• −Frontier Miles have limited redemption options

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +Two free checked bags saves up to $200+ per round trip
• +Elite Gold status with just one purchase in 90 days
• +$0 annual fee first year, then only $99
• +3X miles at restaurants
• +No foreign transaction fees

Cons

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −$99 annual fee after first year
• −Elite Gold status requires $3,000 spend to maintain
• −Free bags only for cardholder, not companions
• −Only 1X on most purchases
• −Frontier Miles have limited redemption options