4.5 Review
$200 after you spend $500 in the first 3 months
Bonus Est. Value Category Annual Fee
$200 Cash $0

Points OR cash: This card is marketed as a cash back card, but it actually earns Chase Ultimate Reward points. On the next page, you will see a cash signup bonus, but you would actually earn points. Once the points are earned, you have several ways to use the points. One of the options is to convert points to cash.

"This is a no annual fee card that is a great choice for those who also carry a Sapphire Reserve, Sapphire Preferred, Ink Plus, or Ink Business Preferred. This card is marketed as a cash back card, but you can elect to get points instead of cash back. So the 1.5% cash back per dollar can be or 1.5 points per $1 for all spending. Note that this card does charge foreign transaction fees, so use your premium cards when traveling internationally." - Zac

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