Quick verdict
Best for small business owners with shipping or advertising expenses. Skip if you don't have legitimate business expenses to put on the card. the 3x categories only reward business-type spending. if you're a pure salaried employee with no side income, a personal card like chase sapphire preferred is a better fit.
🎁 Welcome bonus
100,000 points (worth $1,250 in travel) after $8,000 spend in 3 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Travel | 3x | points |
| Shipping | 3x | points |
| Internet, cable & phone services | 3x | points |
| Advertising (social media & search) | 3x | points |
| Everything else | 1x | points |
Points/miles valued at 1.25¢ each (CreditStud.io estimate based on typical travel redemption).
✨ Perks
- 0% intro APR on purchases for 12 months
- Cell phone protection (up to $1,000/claim, $3,000/year)
- Primary auto rental collision damage waiver
- Trip cancellation/interruption insurance (up to $5,000)
- Purchase protection (120 days, up to $10,000/claim)
- Extended warranty (1 additional year)
- No foreign transaction fees
- Employee cards at no additional cost
- DoorDash DashPass membership (3 months free, then 50% off)
🎯 Who should consider this card
✅ Best for
- Small business owners with shipping or advertising expenses
- Freelancers and solopreneurs with internet/phone bills
- Businesses that spend on travel
- Anyone who wants to earn Chase Ultimate Rewards transferable points
❌ Skip if
You don't have legitimate business expenses to put on the card. The 3x categories only reward business-type spending. If you're a pure salaried employee with no side income, a personal card like Chase Sapphire Preferred is a better fit.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.