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Chase sapphire reserve tsa pre check credit

chase sapphire reserve tsa pre check credit

Global Entry/TSA PreCheck credit. My Ritz-Carlton credit card has me covered here too and because I also hold the Platinum Card® from. Capital One Venture Rewards Credit Card; Chase Sapphire Reserve®; Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. On top of that, the Chase Sapphire Reserve comes with a $100 credit for the TSA PreCheck/Global Entry application fee.

Chase sapphire reserve tsa pre check credit -

12 Credit Cards That Can Get You TSA PreCheck and Global Entry for Free

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As the holidays approach, so do the year’s busiest travel days. Airports grow ever more crowded, and those dreaded lines for security, immigration, and customs grow, well, ever more dreadful. This year the long lines feel extra worrisome: the “new normal” at airports already skews crowded and chaotic. You’re not alone if you’ve gasped at recent media images or personal sights of endless airport security lines extending deep into check-in areas, crammed with passengers panicked about missing flights. 

The good news is that you can avoid becoming one of those flustered, freaked-out travelers. With TSA PreCheck, it’s possible to breeze through U.S. airport security checkpoints—in October 2021, 95 percent of TSA Precheck-enrolled travelers waited less than five minutes to get through security. For an equally seamless journey through immigration and customs, Global Entry speeds up the immigration and customs process after returning to the U.S. from an international destination.

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This may sound too good to be true, but it’s not—and it gets even better. How so? First, Global Entry automatically includes TSA PreCheck (but not vice versa), so it’s possible to access all the fast-track lanes with just one application. Second, numerous travel credit cards offer a Global Entry or TSA PreCheck credit as a benefit to cardholders. They’ll refund your application fee as a statement credit and do so every four years (when your membership is up for renewal). 

Here’s how your travel credit card can pick up the tab for Global Entry and/or TSA PreCheck to get you on your way to a less stressful airport experience.  

Determine if your credit card covers Global Entry and TSA PreCheck

Travel credit cards feature a variety of benefits to help offset annual fees. One of the most popular is a $100 statement credit every four years for Global Entry or an $85 TSA PreCheck credit every four years. These credits cover program application fees in their entirety. (Terms apply.) 

Among the cards with high annual fees offering this benefit are:

A number of midrange annual fee cards also provide a Global Entry or TSA PreCheck credit:

Even a few cards with low annual fees grant cardholders the perk:

  • IHG® Rewards Club Premier Credit Card (Annual Fee: $0 for the first year, $89 thereafter)
  • United℠ Explorer Card (Annual Fee: $0 intro for the first year, then $95)

Apply online and use your travel credit card

Your applications for Global Entry or TSA PreCheck begin online. (First, understand how these trusted traveler programs differ to decide which is right for you.) 

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Typically, when applying for Global Entry online, you’ll be prompted to pay a nonrefundable $100 fee during the application process. Use a credit card that offers a Global Entry credit, and a statement credit will appear days to weeks after the fee clears, offsetting the charge. 

The charge for TSA PreCheck works a bit differently. You’ll complete your TSA PreCheck application online and then schedule an in-person appointment at an Enrollment Center to finalize the process. During your in-person appointment, you will pay the nonrefundable $85 program fee, which will later be reversed as a statement credit.

Note that you cannot receive separate credits for Global Entry and TSA PreCheck within a four-year period—it’s one or the other. If you apply for TSA PreCheck now and decide to upgrade to Global Entry within four years, you won’t get the second fee reimbursed. However, if you apply for Global Entry, TSA PreCheck is automatically included with it, so no need to do the separate PreCheck application. The $100 fee ends up covering both programs. 

Two cards extend statement credits to each additional cardholder

With almost every credit card, the Global Entry/TSA PreCheck statement credit is reserved to one per account, regardless of additional cardholders or authorized users. There are two exceptions, however:

These two cards extend statement credits to every additional cardholder. For example, someone who has an Amex Platinum and three additional users on their account can get a total of four credits (up to $100 each), one per card. 


Abate the stress of airport travel by getting Global Entry or TSA PreCheck and breeze through security, immigration, and customs at U.S. airports. Charge your program fee to the right travel credit card, and enjoy the benefits of these programs for free. 

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Avoid lines at the airport and learn how to get Global Entry or TSA Precheck for free. We’ll show you how!

Waiting in line is the worst. It is excruciating. In fact, it’s got to be one of my top five most hated things ever.

I hate standing in line at the grocery store. I hate standing in line at an amusement park. And, I most definitely hate standing in the security line at the airport. Seriously, I’d rather jam a spoon into my eye than wait 45 minutes to walk through a body scanner – even if there is a possibility of being frisked afterward. #wasthatawkwardenoughforyou

Luckily, there is a way around all this airport waiting. It’s called TSA Precheck and Global Entry.

If you’ve ever been stuck waiting in an airport security or immigration line, you’ve probably been envious of the fancy business people skipping those long lines and heading straight through. Thankfully, you don’t have to beat them; you can join them when you purchase TSA Precheck and Global Entry!

Now, you might think it costs a fortune to get into these programs. You’d be wrong.

If you pay for it, TSA Precheck is only $85 while Global Entry costs just $100. Both memberships last for 5 years. Here’s the best part though: You can actually get Global Entry or TSA Precheck for FREE. (Yes, I said free.) All you have to do is find a good travel rewards credit card that offers a reimbursement!

So, where do you find these unicorn cards that can help you breeze through those brutally long airport lines? Don’t worry, I got them right here. Here’s a list of my top 7 rewards cards that can help you get Global Entry and TSA Precheck for free!

7 Credit Cards to Get Global Entry and TSA Precheck Free

As you probably know by now, credit card rewards have helped us travel for free all around the world. While the points and miles are obviously the main draw, many of these cards offer some excellent side benefits – like trip cancellation insurance and statement credits that make Global Entry and TSA Precheck free.

Since card benefits are constantly changing, it’s almost impossible to keep up to date with every benefit on every card. Although this list isn’t all-inclusive, these cards can definitely help you get Global Entry or TSA Precheck for free!

Capital One Venture Rewards Credit Card

image of capital one venture card

When it comes to my favorite rewards cards, the Capital One Venture Rewards Card earns a respectable spot in the top five. In terms of getting Global Entry or TSA Precheck for free, however, it’s number one in my book!

Let’s start with the biggest draw – the welcome offer. Currently, you can earn 60,000 miles (valued at $600 in statement credits) when you spend $3,000 in the first 3 months. And, because this is a completely flexible rewards card, there are never any blackout dates for hotels or flights.

Like most other good travel cards, there are no foreign transaction fees. You’ll also earn 5x miles on hotels and rental cars booked through the Capital One portal and 2x miles on all other purchases.

As you might expect, the card also offers a credit of up to $100 toward application fees for either TSA Precheck or Global Entry. This is more than enough to cover the $85 TSA Precheck fee, and it also covers the entire $100 fee to apply for Global Entry.

The annual fee on this card is just $95, which is more than covered by the benefits – especially if you earn the welcome bonus!  Honestly, this is a really great travel card. With benefits this awesome, it’s hard to go wrong.

Learn How to Apply

Why I'm Still Paying $550 a Year for Chase Sapphire Reserve's® Travel Perks Despite Being Stuck at Home

Before COVID, when I was traveling two or three times a month for both business and pleasure, I loved having my Chase Sapphire Reserve®, which many consider to be the gold-standard in travel rewards credit cards. I earned and spent a lot of travel rewards and enjoyed perks such as having access to plenty of airport lounges.

But since the COVID crisis, I've been largely grounded, and I've even been tempted to cancel this card to spare myself its hefty, $550 annual fee. In fact, many would think I'm crazy to spend that much to keep a card with benefits that I hardly ever use.

However, I looked at the actual value of what card is offering, including some new non-travel perks, I decided that it was still worth keeping the card this year instead of downgrading to the more affordable Sapphire Preferred version of this card, with its $95 annual fee.

What the Sapphire Reserve Offers over the Sapphire Preferred:

The Chase Sapphire Reserve is a premium rewards card that comes with dozens of features and benefits. I looked at the value of the seven of the card's most valuable benefits that I would have to give up if I downgraded the card to the Sapphire Preferred, or canceled it altogether.

Read the Review

Chase Sapphire Reserve Card

Chase Sapphire Reserve Card

Want to know how to get Global Entry and TSA Precheck free? Look no further than the Chase Sapphire Reserve.

Quite frankly, I think the Chase Sapphire Reserve Card is the best card on the market for frequent travelers. For starters, it comes with an impressive 50,000 point signup bonus after you spend at least $4,000 in the first 3 months. That’s good for $750 worth of travel when redeemed through the Chase portal. Better yet, since these are Chase Ultimate Rewards points, you can transfer your points to more than a dozen partner loyalty programs and redeem them for even more value.

If you’ve ever had an airport layover lasting a few hours, you know how uncomfortable it can be to wait in those chairs by the gate. Well, this card also provides access to over 1,300 Priority Pass airport lounges across the world. Trust me, this is a MUCH more comfortable way to pass the time.

There is also a $300 travel credit included with the card, allowing you to claim a statement credit on travel expenses like baggage fees, rental cars, and more. After the first $300 you spend on travel, the card earns 10x points on hotels and rental cars and 5x points on air travel booked through the Chase travel portal. You’ll also earn 3x points on dining and other travel purchases while earning 1 point per dollar on everything else.

Oh yeah, and for our purposes, you’ll also get a $100 credit for application fees associated with TSA Precheck or Global Entry. Again, this is enough to cover the fee for either program.

Now, here’s the (kinda) bad news: This card has a hefty annual fee of $550. With that said, while you can’t use the travel credit to pay your annual fee, the $300 travel credit essentially makes the fee $225. Plus, if you travel a lot, the benefits (including the new one-year Lyft Pink membership and free delivery on DoorDash orders of $12+) are more than worth it.

Honestly, this is the one card that you’ll always find at the top of my wallet. If you travel frequently, I highly recommend it for you as well.

Learn How to Apply Read the Review

Capital One Venture X Rewards Credit Card

Image of Capital One Venture X Rewards Card

The new Capital One Venture X Rewards Credit Card is one of the best premium travel cards available. It also allows you to get Global Entry or TSA Precheck for free.

Like the other cards on our list, the Capital One Venture X includes up to $100 in statement credits toward TSA Precheck or Global Entry fees. That covers the cost of either program, so you can pick which one better suits your needs.

The Venture X Card also comes with a 100,000 mile welcome bonus, which is worth $1,000 in statement credits toward travel expenses. You have to spend $10,000 on the card in the first 6 months to earn the bonus, but the longer minimum spending period makes it achievable for most people.

Additionally, cardmembers receive $300 in annual statement credits toward travel purchased through the Capital One Travel portal. Members also receive 10,000 bonus miles every year on their account anniversary. Those miles are worth $100 when redeemed as a statement credit, which means the card effectively provides up to $400 in annual travel credits.

To top it off, the card earns up to 10x miles on travel purchases. It also comes with access to all Capital One Lounges and over 1,300 Priority Pass airport lounges around the world. With an annual fee of only $395, this is definitely a premium travel rewards card that frequent travelers should consider.

Learn How to Apply

chase sapphire reserve tsa pre check credit
Read the Review

IHG Rewards Club Premier Card

IHG Rewards Club Premier credit card

If you’re a fan of IHG properties – think brands like Holiday Inn, Intercontinental, Staybridge Suites, and more – the IHG Rewards Club Premier Card may be for you.

First, you can earn a 125,000-point welcome bonus when you meet the minimum spending requirement of $3,000 in the first 3 months. You’ll also receive a credit of up to $100 as reimbursement toward TSA Precheck or Global Entry fees. Like several cards offering similar credits, this is available once every four years.

With the IHG Rewards Club Premier Card, every year on your account anniversary, you’ll earn a free night’s stay at eligible IHG properties around the globe. Additionally, when you redeem your points for a stay of 4 nights or longer, you’ll get an extra night for free. The card also entitles you to Platinum Elite status for as long as you hold the card.

The annual fee on this card is $89 a year, so it isn’t too bad. The fee is also waived for the first year, so you can try it out without any worries.

Keep in mind, though, that not all IHG hotels are eligible for the free night benefit. For me, that’s kind of a bummer. While I don’t think it’s the best card on the list, it may be a good fit for the right situation.

Learn How to Apply

United Explorer Card

image of the united explorer credit card

Last, but not least, is the United Explorer Card. This co-branded airline card may be a good fit for United Airlines customers looking to get free TSA Precheck or Global Entry.

The card offers a welcome bonus of 60,000 miles for spending $3,000 within the first 3 months you have the card. Like the other cards on the list, you’ll also get a $100 credit toward fees for either TSA Precheck or Global Entry.

Additionally, you’ll get a number of different discounts and privileges through United second round of stimulus check update including priority boarding, 25% back on in-flight purchases, one free bag when you purchase your ticket with the card, and more. There is an annual fee of $95, but it’s waived for the first year.

In most cases, I prefer a more flexible rewards card to a co-branded card like this. However, this card may make sense if you fly with United on a regular basis.

Learn How to Apply

Why Get TSA Precheck or Global Entry?

So, why would you want to get TSA Precheck for free? Simple. It saves you time.

That is great, but what is the difference between Global Entry and TSA Precheck? Which is the right program for you?

Both TSA Precheck and Global Entry are trusted traveler programs that can help you avoid long waits in airport security or customs lines. TSA Precheck is available through the Transportation Security Administration (TSA) while Global Entry is offered through the U.S. Customs and Border Protection department.

TSA Cbk wall decor can be found at over 200 airports across the United States. According to the TSA, in August of 2018, 94% of those with TSA Precheck waited less than 5 minutes. So yeah, having TSA Precheck usually means you move through security pretty fast.

You also don’t have to remove your shoes, belts, light jackets, liquids, or computers from your bag. Children under 13 without TSA Precheck may even accompany an adult through the line who has it. As somebody who travels a lot with their kids, I find this all to be freakin’ awesome.

Again, the regular cost of the program is $85, but you can also get TSA Precheck for free by enrolling in one of the cards mentioned above. Your enrollment is good for 5 years.

Global Entry is a bit different. This program is designed to make the immigration and customs process go smoother and quicker. Since we travel internationally several times a year, I also love this program.

With Global Entry, you’ll enjoy an expedited immigration and customs experience. It costs $100 for a 5-year enrollment, and TSA Precheck is also included. Like TSA Precheck, you can get Global Entry for free using any of the credit cards mentioned above. Unlike TSA Precheck, however, children without Global Entry may not proceed through the Global Entry line with you. They must be enrolled in the program.

Free TSA Precheck and Global Entry: Final Thoughts

As somebody who travels a ton, I absolutely love these programs. They have saved me countless hours of waiting in line at the airport. That alone has been worth enrolling.

The application process is relatively easy, especially if you’re just doing Precheck. And, since you can get both Global Entry and TSA Precheck for free with a credit card, there’s no reason not to apply.

Again, the list of cards above is not all-inclusive, but it is definitely enough to get you started. If you’d like to see more options, you can compare the best travel rewards cards here.

Stop wasting time in airport lines! Learn how to get Global Entry and TSA Precheck for free with these seven spectacular rewards credit cards.

Thanks for reading and happy traveling!

To see rates and fees for the American Express cards featured, use the following links: American Express Platinum Card: See Rates and Fees.

airport security

This next month is shaping up to be a busy time for holiday travel. AAA is predicting an 80% increase in air travel from last Thanksgiving, when most travelers stayed home due to the COVID-19 pandemic, according to The Washington Post. If you're planning on traveling during the holidays this year, there are ways to avoid standing in a long security line at the airport. 

TSA PreCheck, Global Entry and Clear are programs that allow you to breeze through airport security. But before you plunk down money on these program fees -- and after you digested the security and privacy concerns of enrolling in such a program -- you may want to look at the many credit cards that cover the costs. Similarly, you can redeem loyalty points or frequent-flyer miles to get a free TSA PreCheck, Global Entry or Clear membership.

To save you from digging through the details of your next credit card statement or rewards program FAQ page, I've assembled in one convenient spot the credit cards and loyalty programs that cover all or some of the cost of TSA PreCheck, Global Entry or Clear. Check out the lists and links below.

Related: Best travel credit cards for 2021

What do these programs do?

TSA PreCheck and Global Entry are run by the US government, while a private company operates Clear. 

  • TSA PreCheck is run by the US Transportation Security Administration and expedites the airport security screening process. This gets you access to a faster PreCheck line (where available) and you won't have to remove your shoes, belt, jacket or laptop during the security screening. 
  • Global Entry, run by the US Customs and Border Protection, includes all of the advantages of TSA PreCheck and adds an express line through customs and immigration for international travelers returning to the US. 
  • Clear is privately operated and lets you bypass the main security line or the TSA PreCheck line at the airport. After checking in at a kiosk, you'll be escorted to the front of the security line, where you won't be required to show your ID. Then you'll go through a security screening as usual -- unless you chase sapphire reserve tsa pre check credit have PreCheck. Clear also offers a free version of its service called Clear Sports that provides expedited entry into a handful of stadiums around the country.

Read:TSA PreCheck vs. Global Entry vs. Clear compared

How much do these programs usually cost?

TSA PreCheck costs $85 for five years. Global Entry costs $100 for five years. Clear is considerably more expensive at $179 per year. The ideal combination is Global Entry and How to pay my sprint bill online, letting chase sapphire reserve tsa pre check credit breeze through the security line, then going through screening without reorganizing your entire wardrobe. But that's expensive, so, read on.

How to get TSA PreCheck or Global Entry for free

In most cases, if a credit card features a TSA PreCheck or Global Entry benefit, it gives you the choice of a $100 credit to cover the cost of Global Entry or an $85 credit to cover the cost of TSA PreCheck. I don't know why you chase sapphire reserve tsa pre check credit opt for the latter if both are free. Remember, Global Entry includes all of the benefits of TSA PreCheck and adds a speedier way through US customs and immigration. Some cards, however, offer only an $85 credit, which would leave you with a $15 balance to cover the cost of Global Entry.

The following credit cards include up to a $100 credit at least every five years to cover a five-year membership to TSA PreCheck or Global Entry:

In addition to credit cards, there are a handful of traveler loyalty programs that let you trade points or miles for a free membership to TSA PreCheck.

How to get Clear for free

There are fewer ways to get a free or discounted Clear membership, but they do exist. Delta and United frequent flyers as well as Hertz members can get a deal on Clear.

For Delta flyers, Clear is free for Diamond Medallion members, $109 a year for Platinum, Gold and Silver Medallion members, and $119 a year for General SkyMiles members. 

On United, Clear free for Premier 1K members, $109 a year for United credit cardmembers in the US and Platinum, Gold and Silver Premier members. And it's $119 a year for MileagePlus members.

Hertz Gold Plus Rewards members can get Clear for a discounted rate of $129 a year -- a savings of $50.

Disclaimer: The information included in this article, including program features, program fees, and credits available through credit cards to apply to such programs, may change from time-to-time and are presented without warranty. When evaluating offers, please check the credit card provider's website and review its terms and conditions for the most current offers and information. 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Read the Review

The Platinum Card® from American Express

Amex Platinum Card

The Platinum Card® from American Express is another premium travel card that deserves your consideration.

With this card, you’re eligible to receive a reimbursement for TSA Precheck or Global Entry fees once every four years. The Platinum Card also comes with a 100,000 point welcome bonus after you spend $6,000 in the first 6 months. These points come in the form of Amex Membership Rewards. While I prefer the Chase rewards program slightly more, Membership Rewards are also some extremely valuable points to have.

In addition, you’ll earn 5x points on flights booked directly through airlines or through Amex Travel (up to $500,000 in purchases per calendar year). You’ll also earn 5x points on hotels booked through the Amex travel portal. During the first 6 months you have the card, you’ll also earn a whopping 10x points on the first $25,000 of combined spending at restaurants worldwide and when you “Shop Small” in the United States.

There are also a bunch of different credits that come with the card – including a $200 annual statement credit toward airline fees, an annual credit of up to $100 at Saks Fifth Avenue stores (enrollment required), and an annual credit of up to $200 toward Uber rides. The card also includes free access to the Amex collection of airport lounges around the world.

Again, this card comes with a pretty stiff annual fee of $695 per year. (See Rates and Fees.) However, if you actually use the included benefits, the card could definitely be worth it. I carried it for years and loved it.

Terms apply.

Learn How to Apply

4 things to do once you get your Chase Sapphire Reserve

Editor’s note: This post has been updated with new information. 

The Chase Sapphire Reserve has consistently been one of the best travel rewards credit cards on the market. In fact, it’s been named the Best Premium Travel Credit Card at the 2020 TPG awards. Although it comes with a $550 annual fee, you’ll enjoy stellar perks such as a $300 annual travel credit, 50% point redemption boost when booking travel through the Ultimate Rewards travel portal,Priority Pass airport lounge access and so much more.

Related: Chase Sapphire Reserve credit card review

And now, you can apply for the Reserve with a bonus of 50,000 bonus points after you spend $4,000 on purchases in the first three months of account opening. Based on TPG’s valuation of 2 cents per Chase Ultimate Rewards point, this offer is worth a whopping $1,000 — covering more than twice the card’s annual fee.

If you’ve just applied and gotten approved for the Sapphire Reserve (congrats!), here are four “to-do” items that you’ll want to make a priority within the first few days of being a cardholder.

New to The Points Guy? Want to learn more about credit card points and miles? Sign up for our daily newsletter.

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Add your Sapphire Reserve to all your travel, rideshare and food delivery accounts

With both a $300 annual travel credit and the ability to earn 3x points in a broad travel category (after using your $300 travel credit) and a solid dining category, the Chase Sapphire Reserve should be your top card for booking travel. Have it handy not only when on a hotel or airline website, but also when you are booking via online travel agencies such as Expedia and Orbitz, since these purchases count in the travel category. Homesharing services, such as Airbnb or VRBO, also earn sometimes code as travel and earn 3x points.

Then you may also want to set up the Reserve as your default card on ridesharing apps such as Uber and Lyft, since these also count as travel. Online compass geometry make the deal even sweeter, Chase has partnered with Lyft to offer Reserve cardholders a year of free Lyft Pink membership to help save even more on rides. You can also earn 10x Ultimate Rewards points per dollar on Lyft charges with your Sapphire Reserve until March 2022.

And if you have a monthly bill for a commuter train pass or parking at work, you might as well earn 3x for those expenses, too. Be sure to make the Reserve your default card for these regular travel charges as well.

ANKARA, TURKEY - AUGUST 31: Uber and Lyft application logos arae seen on a screen in Ankara, Turkey on August 31, 2018. (Photo by Ali <a href=Call of duty ghosts price best buy Agency/Getty Images)" width="1024" height="708">

Although the 3x dining definitions are more straightforward than the eligible travel items, don’t forget to add your card to your account at your favorite restaurant delivery services. In most cases, you’ll earn 3x points for these purchases.

Additionally, Reserve cardholders get one year of free DashPass membership with DoorDash, offering free delivery at eligible restaurants and discounted service fees on orders more than $12. Make sure to activate your offer online or through your DoorDash app, adding in your Reserve card as your default payment method. You’ll also get a $60 annual DoorDash credit to use whenever you want throughout 2021.

Related: How to earn 10x on select dining reservations and takeout with Chase Sapphire

Activate Priority Pass and rental car benefits

The Priority Pass lounge in Punta Cana (Summer Hull/The Points Guy)

You don’t need to wait until your card arrives to activate these perks, but you definitely shouldn’t wait any longer than that.

To get started with these particular Reserve benefits — Priority Pass airport lounge access and Avis, National and Silvercar discounts — you’ll need to log into your Chase account, select Ultimate Rewards, choose the account associated with your Reserve card, then select Card Benefits under the “Use Points” dropdown menu. From there, you’ll register for each of the benefits you wish to receive.

Related: How valuable is a Priority Pass lounge membership?

Sign up for Global Entry/TSA PreCheck (or, gift it to a friend)

Getting through U.S. Customs or airport security is one of the most dreaded parts of modern-day air travel, so use your Chase Sapphire Reserve to apply for either Global Entry or TSA PreCheck and make your trek a little easier. You’ll get the application fee waived up to $100 when using the Reserve to pay for either program.

Global Entry members insert their passports, have their photograph taken and the fingerprints scanned as part of the entry process. (Photo by Katherine Frey / The Washington Post / Getty Images)

What if you’ve already got Global Entry or PreCheck? You can let a friend or family member benefit from your Chase Sapphire Reserve. Use your card to pay for their application, and the fee will be offset via a statement credit by Chase so long as you haven’t already used it on yourself or someone else in the last TK years.

Related: Global Entry vs TSA PreCheck: Which is better?

Set your earning and redemption goals

Now that you’ve got the Sapphire Reserve basics down, it’s time for a little long-term planning.

Where do you want to go with your Ultimate Rewards points? How do you want to fly there — in a first- or business-class cabin? Or would a great Hyatt property such as the Park Hyatt St. Kitts be an exciting use of points for you? Do you think you’ll need to find award availability and transfer points, or can you book the airfare or hotel directly through the Ultimate Rewards travel portal and stick with getting 1.5 cents per point in value?

Related: How I used Chase Ultimate Rewards to book my trip to Croatia

Once you’ve figured out your goals, you can formulate your plan for earning points. Is the Reserve going to be the primary card in your wallet, or should you use it exclusively for the 3x bonus categories and put your general spend on a different card? Planning ahead will allow you to make better choices so your points balances will be adequate when you’re ready to start booking.

You can also start considering ramping up your Ultimate Rewards earnings even more by getting a supporting card, such as the Chase Freedom Flex℠ that awards up to 5x points per dollar. After you have the basics of using the Sapphire Reserve down, it can be worth your time to explore what we call the Chase Trifecta.

Bottom line

The Chase Sapphire Reserve is considered one of the best travel credit cards out there — and with good reason. Although the annual fee is $550, the benefits you get out of the card makes it well worth it for frequent travelers. Just make sure you’re checking off the items on this to-do list to maximize your Reserve benefits and earning structure.

And if you decide that you aren’t quite ready for the $550 annual fee with the Reserve, it can be worth your time to instead consider it’s sister, the Chase Sapphire Preferred Card with just a $95 annual fee and welcome bonus of 60,000 points with $4,000 in spending in the first three months of account opening.

Apply link: Chase Sapphire Reserve Card available for a 50,000 bonus points.

Additional reporting by Stella Shon

Featured photo by Wyatt Smith/The Point Guy

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Madison Blancaflor is a travel editor for TPG covering theme parks and general travel news and features. She previously covered credit cards as one of TPG's experts, and her work also appears on Bankrate and

What You Need to Know About the Chase Sapphire Reserve

The Chase Sapphire Reserve launched back in the fall of 2016 to compete with higher-end credit cards like the Amex Platinum and the Citi Prestige.

Over the years, it’s become a points and miles favorite because of its earning potential, redemption possibilities, and perks. As of January 12, 2020, Chase is adding a couple of benefits to the card and increasing the annual fee to $550. 

This guide covers all the card perks, including the changes, so you can decide whether or not the card makes sense for your travel wallet.

What You Need to Know About the Chase Sapphire Reserve

Chase Sapphire Reserve

The Chase Sapphire Reserve is a souped-up version of the Chase Sapphire Preferred. Since its debut, the card has stirred up a lot of excitement with miles and points enthusiasts. Here’s what you need to know about the card and its most prominent benefits.
  • Chase offers a generous welcome bonus of Ultimate Rewards points after meeting the required minimum spend. These travel rewards points are one of the most valued flexible points currencies available.
  • You’ll get a $300 annual travel credit to use for travel-related expenses. Chase’s definition of travel is quite broad and not limited to just checked bag or lounge fees. You can use the annual credit for things like airfare, hotels, train tickets, and car rentals, even parking, public transportation, and tolls, too.


  • You’ll earn 3x the points on travel and dining worldwide. Be sure to register the card with your preferred dining rewards program to earn even more miles when you dine out at participating restaurants. In this way, the Chase Sapphire Reserve sets itself apart from competitors like the Amex Platinum.

Restaurant stock

  • For Lyft rides, Sapphire Reserve earns 10x and includes a Lyft Pink Membership. This gives cardholders 15% off all rides, priority airport pickups, 3 free cancellations per month, 3 free bike or scooter rides in select locations, no lost and found fees, and other surprise offers.ProTip: Sapphire Reserve cardholders can also stack these earnings with the Hilton or Delta and Lyft partnerships to earn even more points chase sapphire reserve tsa pre check credit miles.
  • Cardholders will get a $60 DoorDash credit for 2020 and then again for 2021, plus a complimentary DashPass subscription for no delivery fees on qualifying food purchases.
  • The Chase Sapphire Reserve comes with a complimentary membership to Priority Pass Select. You’ll have access to 900+ airport lounges around the globe. Authorized card users are also eligible for free enrollment. While traveling, your membership allows you to bring up to 2 guests into the airport lounge, as well.
  • You’ll get a $100 application fee credit for Global Entry or TSA PreCheck when you pay with your Chase Sapphire Reserve. Whether you travel often or a couple of times a year, everyone likes to skip long lines and breeze through border control.


  • The Chase Sapphire Reserve has no foreign transaction fees. Take it with you when you travel and don’t worry about surprise fees when you return! You’ll also want to pay for hotels and other travel-related expenses with your card to earn 3x the points.
  • The points you earn with the Chase Sapphire Reserve are worth 50% more when you use them in the Chase Travel Portal. I’ve always found a better value using Chase’s travel transfer partners for flights, especially.However, it’s worth investigating if you’re looking to book a boutique hotel or a super cheap flight. And if you earn Ultimate Rewards points with other Chase cards like a Freedom or Ink, you’ll want to combine them with your Sapphire Reserve points to increase their value.
  • Your Ultimate Rewards points transfer at a 1:1 ratio to all of Chase’s 13 travel partners, including United, British Airways, KLM, and Hyatt! 

Chase Ultimate Rewards Chart

  • There are no blackout dates. You can redeem your Ultimate Rewards points for travel anytime. Check availability with your chosen airline and hotel partner first because transferred points cannot be transferred back.
  • In addition, the Sapphire Reserve comes with additional hotel and car rental perks like free upgrades, early check-in/late check-out, and primary car rental insurance.
  • The card is increasing its annual fee from $450 to $550beginning January 12, 2020. The annual fee isn’t waived the first year. Current cardholders will pay the $450 until April 1, 2020.

 The annual fee is too high! Why would I pay for that?

Annual Fees

For those questioning the annual fee, consider the $300 travel credit on things like airfare, hotels, cruises, and more. If you already plan to spend $300 on these travel expenses in a year, this quickly brings the annual fee down to $250.
If you’re not a frequent traveler, remember this credit also applies to car parking fees, tolls, trains, and ferries among others.
If you use just a couple more primary perks like the $100 credit for Global Entry, get free food, drinks, and wifi with the Priority Pass Select Lounge membership or redeem with a 50% added value in the Chase Travel Portal often enough the annual fee reduces further and could even pay for itself.
While I would have loved to see some increased or new bonus categories with the January 2020 changes, I get outsized value from the card for now and will be keeping it.
As always, though, the perks must outweigh what you’re paying in an annual fee to justify the cost.

Will I be approved?

Chase has tightened its rules for credit card approvals. If you’ve opened more than 5 credit cards from any bank over the last 24 months, you could get denied regardless of your credit score.
For this reason, anyone new to collecting miles and points should begin with credit cards from within the Chase Ultimate Rewards family (Sapphire Reserve, Sapphire Preferred, Freedom, Freedom Unlimted, and InkPreferred). All of which can help you book award travel around the globe.
Learn more about the first 5 Chase cards you should start with in order to maximize your points and miles earnings.

Chase also added a “Family Rule” to the Sapphire cards and extended the amount of time before you’re eligible for another Sapphire welcome bonus.

You can only have 1 card in the Sapphire “family” at a time. And, it must be at least 48 months since you’ve last received a Sapphire welcome bonus.

What if I already have the Chase Sapphire Preferred?

chase sapphire preferred

If you think the perks of the Chase Sapphire Reserve are better suited to your spending and travel needs and it’s been less than 48 months since getting that welcome offer, you could call Chase and product change to a Sapphire Reserve.

You wouldn’t be eligible for the Reserve’s welcome offer but you’d be able to access the higher earning rates and travel perks, like Priority Pass Membership, 50% bonus in the Travel Portal, Lyft and DoorDash perks and the $300 travel credit.

If it’s been more than 48 months since you received the welcome bonus on your Sapphire Preferred, you could downgrade that card to a Freedom or Freedom Unlimited, before applying for the Sapphire Reserve. 

Just a few things to keep in mind if you plan to downgrade. Make sure you have another credit card like the Ink Preferred or a spouse with an Ink or chase sapphire reserve tsa pre check credit Sapphire to ensure you still have access to Chase’s airline and hotel transfer partners.

If you don’t, it’s not a good idea to downgrade. Any Ultimate Rewards points in your account would devalue to a fixed 1 cent per point value and only be usable for the Chase travel portal and cashback rewards.

So, what do you think of the Chase Sapphire Reserve?
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Filed Under: Miles and PointsTagged With: credit cards, miles, points, travel hacking


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Got a getaway on the brain? As vaccination rates climb and international borders open, some of us are looking to safely get out there. And you might want to do it with one of the best travel credit cards in hand, too.

Whether you’re looking for airline miles, a Global Entry or TSA PreCheck credit or a flexible rewards program that doesn’t box you in, there’s something for every type of traveler. Even the ones who only cash in on their vacation days every once in a blue moon.

Reviewed’s experts poured through dozens of credit card terms to find the best travel rewards credit cards. Start packing your bags.

Things to know about travel credit cards

  • Big-time rewards can mean big-time annual fees. If you’re paying to keep a card in your wallet, its benefits should outweigh the cost. With travel rewards credit cards, the annual fees are often wiped out by annual travel credits—as an example, see the Chase Sapphire Preferred Card—but take a look to make sure you find them relevant.
  • Credit cards often carry foreign transaction fees. They’re usually around 3% and can add a significant cost to international trips. All but one of the cards on this list—our pick for infrequent travelers—skip this charge to save you money.
  • Travel cards are marketed to those with good-to-excellent credit scores because of the high rewards potential. We put together these recommendations with that in mind. Banks have final say on who they accept for a credit card and APR rates and credit limits vary based on your creditworthiness.
  • As with any credit card, we recommend paying your balance on time and in full each month. This avoids interest charges and late payment fees and maintains a healthy credit history. As always, read a card card’s full terms and conditions before applying.

How we evaluated

We looked at dozens of cards’ earning potential and redemption options, prioritizing flexibility and the ability to transfer rewards to partner airlines and hotels at valuable rates.

We also considered other perks that make sense while you’re traveling, from travel accident insurance to coverage for delayed, damaged or lost baggage. Dining benefits also scored big in our book, for those who enjoy exploring the restaurant scene when away from home.

Lastly, we looked into foreign transaction fees, as they can add 3% to purchases made abroad.

Best overall: Chase Sapphire Preferred Card

The Chase Sapphire Preferred has been a favorite travel credit card for its top-notch benefits and flexible points since it was introduced more than a decade ago. And today it’s still the No. 1 credit card for many types of travelers.

Cardholders earn Chase Ultimate Rewards points that can be redeemed for nearly any type of excursion: flights, hotel stays, car rentals, cruises and more. It can meet your travel whims for a reasonable $95 annual fee. Plus, Chase currently offers a sign-up bonus that’s worth up to $750 in its travel portal.

Points: The Sapphire Preferred Card earns 2 points per dollar spent on travel, and that category has a broad definition. Think airfare, hotels, motels, car rentals, cruises, camping excursions and help from travel agents. It also covers transportation such as trains, buses, taxis and even tolls and parking. And if you book your getaway in the Chase portal, these purchases earn 5 points per dollar.

Dining racks up 3 points per stark county real estate search extends to fast food joints, fine restaurants, coffee shops, takeout and eligible delivery home remedies for burning in vagina. Chase also introduced perks for groceries: Online orders earn 3 points per dollar (except at Target, Walmart and wholesale clubs, which is typical among the best chase sapphire reserve tsa pre check credit cards for groceries). For everything between, purchases earn 1 point per dollar.

If you want to transfer points to another loyalty program, you have that option, too. And the good news is that points have the same value at a wide range of Ultimate Rewards partners such as JetBlue, Southwest and United, and hotels include popular chains like Hyatt, IHG and Marriott.

Perks: At the moment Chase offers a sweet sign-up bonus for new cardholders: Spend $4,000 within the first three months of account opening, and you'll earn 60,000 points. That's $750 if you book travel through the issuer's portal.

Year-round, there’s a laundry list of perks, including travel accident insurance and trip cancellation/interruption insurance. You can be reimbursed for toiletries, clothing and other essentials if your baggage is delayed more than six hours. And if your suitcase arrives damaged or is lost, there’s coverage for that, too.

The Sapphire Preferred also offers primary car rental insurance coverage so you can avoid paying extra for insurance with the rental company. If something happens to your rental car, you won’t have to first make a claim with your own insurance policy.

Last but not least, it lacks foreign transaction fees, which is key to saving up to 3% when traveling internationally.

Learn more about the Chase Sapphire Preferred

Capital One VentureOne

The VentureOne has an uncomplicated program that rewards you with miles for every purchase, and there’s even an introductory bonus that can offer a windfall for your next trip. Best of all, it’s one of the few no-annual-fee cards that doesn’t charge foreign transaction fees.

Depending on your credit score, you’ll qualify for a Visa Platinum or Visa Signature card (which comes with a handful of additional benefits like travel accident insurance and lost luggage reimbursement).

Points: Cardholders earn 1.25 miles per dollar spent across the board and 5 miles per dollar on hotels and car rentals through Capital One’s portal.

There’s three ways to redeem rewards:

  • Within 90 days of making travel reservations, you amazon chase credit card apply Capital One’s Purchase Eraser to receive an account credit for airfare, hotel nights, train tickets, cruises, travel agents and more.
  • You can arrange for flights, hotels and car rentals through Capital One’s Rewards Center.
  • Transfer your miles to more than a dozen loyalty programs such as Air Canada and British Airways. Capital One recently introduced new 1:1 partners, including Wyndham Rewards.

Perks: There’s 0% introductory APR for 15 months on new purchases and balance transfers—after which a variable rate (14.99% to 24.99%) applies—and you can also rack up 20,000 miles if you spend $500 on purchases within the first three months.

If you like what you’re reading, you may also want to consider the Capital One Venture. It does carry a $95 annual fee, but it comes with a higher rewards rate and even credit for Global Entry or TSA PreCheck applications.

Learn more about the Capital One VentureOne

American Express Gold Card

Are you willing to pay a little more than the $95 per year but don’t want to go all in on a card with a $500 annual fee? Enter the AmEx Gold. It comes with a $250 price tag, but you can virtually knock out the annual fee if you take advantage of various credits. Plus, you’ll have access to sweet travel perks, including professionals who can help square away hotel reservations and transportation. See rates and fees.

Points: The AmEx Gold earns 4X points on restaurants anywhere in the world and 4X points at U.S. supermarkets—a great rate any day of the year, whether you’re at home or stocking a vacation rental’s fridge. (Be mindful of the spending cap, but it’s fairly high at $25,000 per year. You can spend nearly $500 on the weekly errand and fit under it.)

You’ll also earn 3X points on travel booked directly with an airline as well as airfare purchased through the issuer’s rewards portal. For everything between, you’re looking at 1X points.

When it comes to redemption options, travelers can transfer to airline or hotel partners such as Aer Lingus, Etihad Guest and Hawaiian Airlines or as a statement credit or gift card. There’s always the option to book through AmEx Travel, too.

Perks: If you run into any trouble, there’s coverage for lost or damaged baggage, credits for meals and lodging if your trip is delayed more than 12 hours and car rental damage insurance. Plus, when you’re more than 100 miles away from home, the Global Assist hotline is a phone call away to help with replacing passports and medical or legal emergencies.

There are no foreign transaction fees, though of course, American Express cards are not accepted everywhere overseas. See rates and fees.

Learn more about the American Express Gold Card

Chase Sapphire Reserve

The Chase Sapphire Reserve is a premium travel credit card with incredibly valuable benefits. No surprise: It has a steep $550 annual fee. But its excellent returns quickly make it worthwhile for those who like to travel in style.

Points: The Sapphire Reserve offers 3 Chase Ultimate Rewards points per $1 spent on travel after you spend $300 in the category (which is reimbursed with an annual credit). It also earns 3 Ultimate Rewards points on dining (restaurants, casual eateries and coffee shops) and 1 point per $1 spent on all other purchases.

Ultimate Rewards points can be used to book hotels, cruises, car rentals, vacation rentals and tourist activities directly through Chase’s travel portal where they’re worth 1.5 cents each ($0.015).

So, a cross country flight that would cost $500 on an airline’s website could equal 37,500 points (worth $375 if redeemed for cash) if you bought it through Chase’s travel portal. For additional flexibility, you can combine points with frequent flyer miles at certain programs, including Emirates, Singapore Airlines and JetBlue. There’s three hotel partners: Hyatt, IHG and Marriott.

For a rewards boost, cardholders can book excursions through the Chase travel portal to rack up 10 points per dollar on dining, hotel stays and car rentals, and 5 points per dollar on airfare.

Perks: The Sapphire Reserve offers a $300 travel credit each year, where the first $300 in travel purchases (from taxi fares to hotels and flights) made on your card will be refunded via a statement credit, effectively reducing the annual fee to $250.

You’ll benefit from trip delay coverage, trip cancellation coverage and lost and damaged baggage coverage. In other words, you get away without purchasing additional travel insurance, including when renting a car. Primary car rental insurance covers up to $75,000 in physical damages or theft, meaning you don’t have to make a claim to your own insurance policy first.

You’ll also receive credit for a Global Entry or TSA PreCheck application every four years and a Priority Pass Select Membership that gives you access to more than 1,200 airport lounges across the world. These travel benefits can save you time and hassle, and maybe keep you a little saner, when you're dealing with the madness of an airport.

Finally, the Chase Sapphire Reserve doesn’t charge foreign transaction fees for purchases made abroad, an absolute must if you plan to travel internationally.

Learn more about the Chase Sapphire Reserve

Capital One Venture

Is your head spinning from calculating points, tracking categories and doing the math chase sapphire reserve tsa pre check credit transfer values? The Capital One Venture is a straightforward travel rewards credit card, and it should serve you well whether you’re on the go or stuck at home.

We’re especially encouraged by recent developments, as the issuer has announced new hotel and airline partners, introduced a 1:1 transfer tier, and it’s slated to open its own airport lounges in Dallas Fort Worth and Dulles.

Points: You’ll earn an unlimited 2X miles for every purchase you make—or 5X miles on hotels and rental cars booked through Capital One's portal. Those miles can be redeemed on airfare, hotel stays or transferred to more than a dozen loyalty programs. Some partners are at a lower rate, but others carry the same value.

Perks: You can take this card overseas with no foreign transaction fees and rest easy with travel accident insurance. Plus, every four years you can be reimbursed for up to $100 on Global Entry or TSA PreCheck fees to breeze through the airport. Renting a car? There’s an auto damage waiver that covers collision and theft. Lastly, Capital One is offering 60,000 bonus miles if you spend $3,000 within the first three months. 

Learn more about the Capital One Venture

The Platinum Card from American Express

The Platinum Card plugs you into AmEx’s excellent travel concierge service, which is like having a personal travel agent a phone call away, no matter where you are in the world. Likewise, this card is a good option for frequent flyers who'd like to make use of American Express’s best-in-class Centurion Lounges, with a dozen U.S. locations and more opening across the globe.

The high-end perks unsurprisingly come with a high price tag: a $550 annual fee. You’ll definitely want to use it often to make what is the best online trading platform worthwhile. Luckily, there are plenty of credits that can help soften the blow.

American Express cards aren’t widely accepted outside of the U.S.—typically only at international locations of U.S.-based hotel and restaurant chains and sometimes high-end stores. That said, wherever you can use it, the Platinum avoids foreign transaction fees. See rates and fees as terms apply.

Points: The Platinum Card offers 5 Membership Rewards points per dollar on airfare purchased directly from airlines or through AmEx Travel. (There’s a $500,000 spending cap for this category.) Cardholders also earn 5 points per dollar when booking prepaid hotel stays through, and 1 point per dollar spent on all other purchases.

Additionally, during the first six months of a new account, the Platinum Card offers 10 points per dollar on up to chase sapphire reserve tsa pre check credit spent at U.S. supermarkets and U.S. gas stations.

These points can be redeemed houston police department credit union AmEx Travel with a value of 1 cent each ($0.01) or they can be transferred to American Express partners like British Airways, Virgin Atlantic and Marriott Bonvoy.

Perks: As you'd expect, a Global Entry or TSA PreCheck application fee is covered when it's paid for with the card and you can enroll in a Priority Pass Select membership to gain entry to more than 1,300 airport lounges worldwide. You'll also have access to American Express’ Centurion Lounges (currently 12 within the U.S., plus several international lounges, with more opening every year) and Delta’s lounges when you fly with the airline.

Travel concierges can assist Platinum cardholders with restaurant reservations, concert tickets and more anywhere in the world. And with the Fine Hotels + Resorts programs, cardholders receive an average of $550 worth of complimentary perks such as late check-out and room upgrades. The Amex Platinum also offers $200 annually in Uber credits ($15 per month, $20 in December) but only for use in the U.S.

Learn more about the Platinum Card from American Express

IHG Rewards Club Premier

If you hop from hotel to hotel, there are plenty of cards that will accommodate your needs. IHG loyalists have their pick of more than 5,000 properties at a range of price points. The brand includes chains like the luxe Kimpton and InterContinental hotels and more budget-friendly options like Holiday Inns.

If these are your go-to hotels, the IHG Rewards Club Premier credit card stands out for its perks. It has an $89 annual fee, though one benefit alone—the free night certificate—can easily cover the cost. Not to mention, it includes a Global Entry or TSA PreCheck reimbursement.

Points: You’ll get up to 25 points per dollar spent at IHG hotels and 2 points at gas stations, grocery stores and restaurants. All other purchases earn 1 point per dollar.

When you redeem your IHG points for a stay that’s four consecutive nights or longer, you’ll get your fourth night free (in effect, a 25% discount). This can be applied to an unlimited number of trips in one year.

Perks: This Chase card automatically gives you high-level Platinum Elite status with InterContinental Hotels Group. That means you get benefits like late checkout, 50% more points when chase sapphire reserve tsa pre check credit stay at IHG hotels and room upgrades. While this isn’t the chain’s highest tier, we’re not ones to complain about a few more hours to lounge in a hotel bed.

The IHG Premier Card also offers a TSA PreCheck–Global Entry fee credit of up to $100 every four years. Simply charge your application fee to your card and you’ll be reimbursed with a statement credit. And you don’t need to worry about chase sapphire reserve tsa pre check credit transaction fees either.

Finally, every year you’ll be given an anniversary credit for a free night. It can be used for rooms that cost up to 40,000 points, which can easily be worth $200 per night. Just by using this certificate each year, this card could pay for itself.

Learn more about the IHG Rewards Club Premier

Citi Premier

Experts and consumers regularly mention the Citi Premier as a worthy travel credit card, but it also is valuable when you’re filling up at the pump. Plus, it earns flexible rewards that can be redeemed for cash back, used to book travel directly through Citi or transferred to Citi’s airline partners, including JetBlue and Virgin Atlantic. All this is yours for a $95 annual fee.

Points: The Citi Premier earns 3 ThankYou points per dollar spent on airline travel, hotel stays and at gas stations. You'll get that top rate at restaurants and supermarkets, too, and 1 ThankYou point per dollar spent on all other purchases.

If you redeem your ThankYou points for cash back, they are worth one cent each ($0.01). Transfer your points to Citi’s partners and the value can be significantly more or less, depending on the current dollar cost of the flight. The mile cost for flights booked with travel partners is generally static, so if the dollar cost is up, you could save with transferred miles.

Perks: For one, you’ll never be charged foreign transaction fees when you travel abroad. And once a year, you can receive $100 off an eligible hotel stay that's booked through Citi. Cardholders can also earn 60,000 bonus points after spending $4,000 within three months of opening their account.

Learn more about the Citi Premier

Chase Freedom Unlimited

Perhaps now that you’ve dug deeper into the world of travel credit cards, you’ve realized you don’t spend enough on airfare or hotel nights to rack up rewards. In that case, we think the Freedom Flex is a worthy option.

It pays to use for everyday shopping and adds a boost when booking travel through Chase. And because there’s no annual fee, you won’t have to pay for adding it to your wallet—as long as you pay your bill on time and in full, that is.

Points: When cardholders book travel through Chase Ultimate Rewards, they earn 5% on those flights, hotel stays, car rentals and more.

Beyond that, you earn 3% at restaurants whether you’re trying a hot spot around the corner from your hotel or headed to your local haunt. The rate also applies to takeout and eligible delivery services as well as drugstore purchases. That’s money in your pocket when you’re stocking up on TSA-compliant toiletries on the eve of a flight, buying SPF once you’ve touched down at a resort or even a weeknight run for toilet paper.

Any other purchases will earn an unlimited 1.5%.

Perks: Despite not being a travel card, the Freedom Flex does come with a few benefits for when you’re on the road. Take advantage of an auto rental collision damage waiver, trip cancellation/interruption insurance and travel emergency services for legal and medical assistance.

Keep in mind: This is the only card on the list with a foreign transaction fee. But the Freedom Unlimited is a low maintenance, straightforward option that may work for infrequent travelers who stick to exploring the U.S.

Learn more about the Chase Freedom Unlimited

Please note: The offers mentioned above are subject to change at any time and some may no longer be available.

Reviewed has partnered with CardRatings for our coverage of credit card products. Reviewed and CardRatings may receive a commission from card issuers.

See rates and fees for the American Express Gold Card. See rates and fees for The Platinum Card from American Express.

How many credit cards should you have?

  • We hate to break it to you, but there’s no one-size-fits-all answer here. The right number of credit cards for you depends on what you can responsibly manage.
  • Does having a piece of shiny plastic an arm’s length away often encourage you to spend money you don’t have? You may want to think twice before applying for more credit. Carrying a balance you chase sapphire reserve tsa pre check credit afford contributes to interest charges, and in the long run costs you more money.
  • If you’re financially responsible and stick to making purchases that you can pay off, there may be some upsides to adding another card to your arsenal. For instance, if you’re a jet-setter without a card that rewards you for hitting the road, a travel card may make sense for you.
  • There are a few other things to consider before opening a new account, like adding a different payment processing network or taking note of any annual fees.

What is a good APR for a credit card?

  • Credit card annual percentage rates range from 13% to 25%, with the national average in January 2021 around 16%. Credit cards marketed for applicants with bad credit tend to be on the higher side, as do credit cards with rewards programs.
  • Before you submit an application, you can see this range in the cardmember agreement. You won’t know the rate until you’re approved, as it’s determined by the issuer based on your creditworthiness. The higher your credit score, the lower the rate you can expect. Remember that with a variable rate, an issuer can change the interest it charges at any time—and, per your cardmember agreement, it may not have to notify you.
  • An issuer may charge a different APR for purchases, balance transfers and cash advances. It may even offer an introductory rate that includes zero interest for a period of 12 to 18 months. Lastly, a penalty APR may kick in if you’re late for a payment, exceed your credit limit or break other terms and conditions laid out by the issuer.
  • We’ll say it till we’re blue in the face: Pay off your balance each month and you won’t have to think about interest.

How does credit card interest work?

  • Despite the term “annual percentage rate,” credit card issuers calculate interest daily. The daily periodic rate is determined by dividing your APR by 365 days, which is then applied to your average daily balance. Crunch this number by adding up the total you carry each and every day of the billing cycle and then dividing that by the number of days in the billing cycle.
  • Let’s say your APR is 16% and this month you carried an average daily balance of $2,000. The issuer first calculates the daily periodic rate (0.16 divided by 365). That rate (0.00043) is applied to your average balance (0.00043 x $2,000), which brings us to 0.87. Over the course of the 30-day billing cycle (0.87 x best color printer for home, you’ll pay $26.30 in interest.
  • If crunching numbers isn’t really your thing, some issuers include tools that calculate how much interest you’ll owe based on your monthly payment. Petal, for example, shares this information in a mobile app for its two credit cards, and it’s one of the best first credit cards that we recommend.
  • Remember: You won’t be charged interest if you pay off your balance in full and on time each billing cycle. We get that life happens. So if on occasion that’s not possible, consider paying more than the minimum amount to lessen the interest you’ll pay over time, or make more than one payment during the billing cycle to lower your average balance.

The product experts at Reviewed have all your shopping needs covered. Follow Reviewed on Facebook, Twitter and Instagram for the latest, deals, product reviews and more.


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  1. Hello Zombey Ali! Yes, you can do both things you just mentioned! Remember to like the video and subscribe to the channel. Thanks for your support!

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