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

• +$0 intro annual fee first year, then $150—reasonable for the benefits
• +Free first checked bag for cardholder and companion saves up to $160 roundtrip
• +2x miles on United, dining, and hotels—solid everyday earning
• +Up to $530+ in annual credits (United travel, hotels, rideshare, Instacart, JSX)
• +2 United Club one-time passes per year worth $100+

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

• −Only 1x miles on non-category spend limits earning potential
• −Best credits require hitting $10K-$20K spend thresholds
• −No United Club membership—just 2 single-use passes
• −Priority boarding is Group 2, not as early as premium cards
• −Miles locked to United MileagePlus with limited transfer flexibility

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

• +$0 intro annual fee first year, then $150—reasonable for the benefits
• +Free first checked bag for cardholder and companion saves up to $160 roundtrip
• +2x miles on United, dining, and hotels—solid everyday earning
• +Up to $530+ in annual credits (United travel, hotels, rideshare, Instacart, JSX)
• +2 United Club one-time passes per year worth $100+

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

• −Only 1x miles on non-category spend limits earning potential
• −Best credits require hitting $10K-$20K spend thresholds
• −No United Club membership—just 2 single-use passes
• −Priority boarding is Group 2, not as early as premium cards
• −Miles locked to United MileagePlus with limited transfer flexibility

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

• +$0 intro annual fee first year, then $150—reasonable for the benefits
• +Free first checked bag for cardholder and companion saves up to $160 roundtrip
• +2x miles on United, dining, and hotels—solid everyday earning
• +Up to $530+ in annual credits (United travel, hotels, rideshare, Instacart, JSX)
• +2 United Club one-time passes per year worth $100+

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

• −Only 1x miles on non-category spend limits earning potential
• −Best credits require hitting $10K-$20K spend thresholds
• −No United Club membership—just 2 single-use passes
• −Priority boarding is Group 2, not as early as premium cards
• −Miles locked to United MileagePlus with limited transfer flexibility