chase sapphire visa travel rewards

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Chase Sapphire ® Credit Cards

Explore premium dining and travel rewards with a Chase Sapphire ® credit card.

Chase Sapphire Preferred ® credit card . Links to product page.

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New cardmember offer.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Travel SM .

AT A GLANCE

Premium dining & travel rewards Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. Earn 3x points on dining at restaurants including eligible delivery services, takeout and dining out. Earn 2x on other travel purchases.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

Chase Sapphire Reserve ® Credit Card . Links to product page.

Chase Sapphire Reserve ® Credit Card card reviews (4,642 cardmember reviews) Opens overlay

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel SM .

Earn 5x total points on flights and 10x total points on hotels (excluding The Edit℠) and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.

22.49 Min. of (8.50+13.99) and 29.99 %– 29.49 Min. of (8.50+20.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$550 annual fee † Opens pricing and terms in new window ; $75 for each authorized user † Opens pricing and terms in new window

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Chase ultimate rewards®: how our program works.

Chase Ultimate Rewards ® is a credit card rewards program offered by Chase that helps turn your everyday purchases into exciting rewards. As a cardmember, you have the opportunity to earn rewards points while you shop, dine or travel.

One of the most valuable parts of the program is the built-in flexibility that allows you to earn rewards , then easily redeem or transfer them when you’re ready.

In this article, we’ll dive into how this program works, how to earn and maximize your rewards points and also how to redeem them.

How does Chase Ultimate Rewards work?

Chase Ultimate Rewards are rewards points that many Chase credit cards offer cardmembers. These rewards points are earned by using an eligible card for your everyday spending or travel purchases.

All Chase credit cards allow you to redeem those points for cash back, travel, gift cards and Amazon or Apple purchases. In some cases, you may even be able to redeem your points for special experiences or access exclusive events.

Many people enjoy using their points to help pay for travel. There are two ways to do this:

• Book your travel through the Chase Travel Portal and use your points toward the purchase.
• Transfer your Ultimate Rewards points to an airline or hotel that has a partnership with Chase.

How to earn Chase Ultimate Rewards points

To earn Chase Ultimate Rewards points, simply use an eligible Chase credit card for your everyday spending. If the card has a sign-up bonus offer, you can earn it by meeting certain spending requirements within a specified amount of time after first opening your account. In addition, you can earn points by taking advantage of categories that may offer higher points per dollar spent (such as gas stations, grocery stores, restaurants, streaming services and more).

How much are Chase Ultimate Rewards points worth?

The value of your Chase Ultimate rewards points will differ depending on the credit card that you have and the category that you’re redeeming in. In general, points are worth more when redeemed for travel or transferred to Chase’s partners.

For example, if you have a Sapphire Reserve ® card and you use your points to book travel through the Chase Ultimate Rewards portal, your points are worth 1.5 cents per point instead of 1. If you have a Sapphire Preferred ® card , you can redeem for travel at 1.25 cents per point.

If you’re interested in cash back, each point is worth 1 cent.

How much are 10,000 Chase rewards points worth?

In most cases, 10,000 Chase Ultimate Rewards points are typically worth $100 that you can then use to purchase gift cards, make purchases on Amazon or receive as cash back on your statement. However, as stated above, if you’re a Chase Sapphire Reserve cardmember (or other eligible cardmember) and choose to use your rewards points for travel, your points may be worth more. In this case, if you book your travel through Chase, your points are worth 1.5x the cash back redemption value and therefore those 10,000 points are worth $150.

How much are 100,000 Chase rewards points worth?

The math is the same as above, so 100,000 Ultimate Rewards points are typically worth at least $1,000. They could be worth more depending on the card you use and if you book through Chase’s online travel portal.

How to redeem Chase Ultimate Rewards points

There are four main ways to redeem your Ultimate Rewards points.

Book travel: Instead of booking your travel plans directly with an airline, hotel or rental car, you can use the Chase Travel Portal to book these reservations. You can use your Ultimate Rewards points to pay for all or part of the purchase. Or, if you purchase your travel using an eligible Chase credit card, you can earn 5x the rewards on airfare.

Transfer points to a partner: If you have a Sapphire Reserve or Sapphire Preferred credit card, you have the ability to transfer your rewards points (in 1,000 point increments) to Chase’s travel partners and use those points toward the purchase of travel. Simply log onto the Chase Ultimate Rewards portal and choose the “Transfer to Travel Partners” section. There, you can choose from among the list of airline and hotel travel partners.

Redeem for cash back: The Ultimate Rewards portal makes it easy to redeem your rewards points for cash back. You can choose to receive this as a statement credit or have it deposited into your bank account.

Redeem for gift cards: Similar to booking travel, you can redeem your rewards points to purchase gift cards through the Ultimate Rewards portal. The point value is 1 cent for gift cards, though sometimes Chase offers discounts on certain gift cards throughout the year, which means the value per point increases and your rewards go a bit further. You can find out which gift cards are discounted by navigating to the gift card section of the Ultimate Rewards portal.

Chase credit cards that earn Chase Ultimate Rewards

Chase offers several credit cards that are eligible to earn Ultimate Rewards points, each with their own unique features and benefits. Here are just a few to consider:

Chase Sapphire Reserve ®

• Earn a welcome bonus after you spend a minimum amount within the first three months of opening the card
• Receive an annual travel credit of up to $300 each anniversary year
• Earn 10x points on Chase Dining purchases with Ultimate Rewards
• Earn 10x points on hotels and car rentals when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
• Earn 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
• Earn 3x points on dining at restaurants, including takeout and eligible delivery services
• Earn 3x points on other travel not purchased through Chase

Chase Sapphire Preferred ®

• Earn 5x points on travel purchases through Chase Travel
• Earn 3x points on dining and eligible delivery services
• Earn 3x points on select streaming services
• Earn 2x points on other travel purchases
• Earn 1 point per dollar spent on all other purchases

Chase Freedom Unlimited ®

• Low annual fee 
• 5% cash back on travel purchases through Chase Ultimate Rewards ®
• 3% cash back on dining at restaurants, including takeout and eligible delivery services
• 3% cash back on drugstore purchases
• Earn 1.5% cash back on all other purchases
• Cash back rewards do not expire as long as your account is open

Chase Freedom Flex ®

Though similar to Freedom Unlimited, the Chase Freedom Flex credit card has one key difference – it has rotating bonus categories that you activate each quarter to earn bonus rewards. Once you activate the categories, you’ll earn 5% cash back on those specific spending categories, up to the spend cap, and they change every three months. This enables you to maximize cash back in different areas throughout the year. This list of features include:

• Low annual fee
• 5% cash back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores and select online merchants, each quarter you activate
• 5% cash back on travel purchases through Chase Travel
• 1% cash back on all other purchases

Do Chase Ultimate Rewards points expire?

Chase Ultimate Rewards points do not expire as long as your credit card account remains open and in good standing. If you choose to close your account, you may lose any unredeemed points. It’s always a good idea to read your credit card’s terms and conditions carefully.

The bottom line

Chase Ultimate Rewards stands out as a flexible and adaptable rewards system that provides numerous avenues for accruing and utilizing rewards points. It offers many options for accumulating rewards points as well as a versatile platform for redeeming them.

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Why I love my Chase Sapphire Preferred card — and will always keep it in my wallet

Being a points and miles enthusiast means I have a drawer of credit cards. Choosing which cards to carry in my wallet can be a daunting task at times. However, one card will always have a slot in my wallet: the Chase Sapphire Preferred Card .

The Sapphire Preferred was crowned the Best Travel Rewards Credit Card at the 2023 TPG Awards for the sixth year in a row. So, it's no wonder TPG staffers rank this as one of their favorite credit cards.

Here's why the Sapphire Preferred will always stay in my wallet.

Solid earning rates

The most enticing feature of the Sapphire Preferred for me is its high earnings rates in a multitude of categories:

• 5 points per dollar on hotels and car rentals booked through Chase Travel
• 5 points per dollar on eligible Lyft rides (until March 2025)
• 3 points per dollar on worldwide dining
• 2 points per dollar on travel

Dining is the biggest spending category on my cards. The American Express® Gold Card is my go-to card for dining at restaurant purchases because of its 4 points per dollar earning rate. However, as an international foodie, I often find myself at many hole-in-the-wall restaurants that don't accept Amex. That is where my Sapphire Preferred comes in handy with its 3 points per dollar earning rate on dining. The Sapphire Preferred is on the Visa network, so I never worry about acceptance.

Furthermore, I love the 2 points per dollar spent on travel. Chase defines travel very broadly, and the most common travel purchases I make — such as ride-hailing, parking and public transit — code as travel.

Lyft is my ride-hailing app of choice. I take, on average, at least 10 Lyfts per month, so earning 5 points per dollar spent on rides with no cap helps me rack up Chase Ultimate Rewards points .

Related : The best cards for international travel

Flexible points

Another major reason to carry the Sapphire Preferred is the ability to earn Ultimate Rewards points . Cardholders can redeem these points through the Chase travel portal at 1.25 cents per point or transfer them to one of 14 transfer partners . Personally, I don't redeem through the portal as the points' value is significantly better when I use transfer partners.

Last summer, I redeemed 12,000 Ultimate Rewards points by transferring them to World of Hyatt for a three-night stay at Hotel Story Riddargatan in Stockholm over a busy peak summer weekend.

Related: How much are Chase Ultimate Rewards points worth?

Valuable statement credits

The Sapphire Preferred comes with a handy annual $50 hotel credit when you book the Chase travel portal.

Now, 99.9% of the time, I will never recommend booking a hotel through an online travel agency like Chase Travel; rather, booking directly with the hotel is usually best. However, 0.01% of the time, I can recommend it when you are abroad in cities where the hotels are not part of any major loyalty program.

Last year, I was able to use the hotel credit for one night at a small boutique hotel in Andorra. This year, I used the credit for one night at the Canzi Cataratas Hotel near Brazil's Iguazu Falls. Neither of these hotels was attached to a loyalty program, so I had no problem booking through the portal. These hotels were a little more than $50 a night, so the annual credit effectively netted me a free night each time.

Related: 6 reasons why you should book directly with an airline or hotel

Stackable Chase Offers

Chase sends targeted offers to cardholders, meaning these offers vary depending on the cardholder. I often see offers such as extra points or cash back at retailers and restaurants I frequent. These targeted offers on the Sapphire Preferred are also stackable with the card's bonus earnings and with shopping portals .

Related: Earn bonus miles with these airline portal promotions

Useful benefits

The Sapphire Preferred includes many benefits that I use frequently. These include a six-month complimentary Instacart+ and DoorDash DashPash membership (both valued at $9.99 a month).

Instacart+ has been very useful to me on those lazy Sundays when I don't want to leave the house. I can get my groceries delivered to me from popular grocery stores and supermarkets with no delivery fee.

The DashPash membership is also very valuable to me as I order food at least once a month, and DashPass waives the delivery fee.

Lastly, this card has no foreign transaction fee , which is essential for me as a frequent international traveler.

Related: Instacart+ members now get a free Peacock subscription

Low annual fee

Many cards with similar benefits and earnings rates have high annual fees. The same can not be said about the Sapphire Preferred : It is just $95. The benefits, statement credits and ability to earn Ultimate Rewards points easily outweigh the annual fee.

Bottom line

The Sapphire Preferred is a credit card that will always have a place in my wallet. With its excellent earning rates and no foreign transaction fee, it's the perfect travel companion for an avid international traveler like myself.

Most importantly, the Sapphire Preferred earns a flexible rewards currency in the form of Chase Ultimate Rewards points, which allows me to leverage transfer partners to maximize my redemption value.

To learn more, read our full review of the Chase Sapphire Preferred .

Apply here: Chase Sapphire Preferred Card

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Table of Contents

Who can use Chase's travel portal?

How to use chase's travel portal, other things you can do in chase's portal, chase travel℠ contact options, chase's travel portal can be lucrative.

Chase Ultimate Rewards® points are among the most useful rewards you can earn. When it comes time to redeem them, you will be directed to Chase's travel portal. This is where you can book flights, hotels and rental cars with points, redeem them for merchandise and gift cards, or transfer points to other programs.

Should you redeem points to pay for a trip instead of using cash or transfer them to a loyalty program partner to get better value? You'll need to do a little homework to find the right answer as each situation is different.

Chase points are the currency you earn when using cards like Chase Sapphire Preferred® Card or Chase Sapphire Reserve® . They are superior in many ways to other point currencies because  you earn more than one penny in value  per point with these two cards. For example, when redeeming through Chase's travel portal, the Chase Sapphire Reserve® will net you 1.5 cents in value per point and the Chase Sapphire Preferred® Card will net you 1.25 cents in value per point. When you transfer to a partner, your per-point-value may be even greater.

With the travel portal, you can redeem points to pay for an entire trip or you can use a mix of points and cash to cover a travel booking. You can also pay all in cash, earning 5 to 10 points per $1 spent, depending on the card you have. Using points for travel is the most valuable way to extract value from Chase Ultimate Rewards® for most people.

It's an efficient website, but some irritants snag even savvy travelers. Let's dig into Chase's travel portal's good and bad. You'll find that it is mostly good, if not great.

Chase cards vary in earning and redemption benefits so you will want to pay attention to which one you use, especially if you have more than one card. The most valuable cards earn Ultimate Rewards® points, but some Chase cards, like the United℠ Explorer Card , earn miles or points in that co-branded program (in this example, United MileagePlus miles ).

Let’s review the cards that earn Chase Ultimate Rewards®, with the most rewarding cards first. Keep in mind that if you have more than one of these cards, you can move points between Chase Ultimate Rewards® accounts to redeem them from an account that delivers more cents per point in value.

These cards earn Chase Ultimate Rewards® and provide access to Chase's travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Ink Business Preferred® Credit Card .

Chase Freedom Unlimited® .

Chase Freedom Flex℠ .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

Chase Freedom Rise Credit Card.

There is an important perk to remember if you have multiple cards. Since the Chase Sapphire Reserve® card offers 1.5 cents in value per point and the Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card offer 1.25 cents in value, it is best to redeem points from these accounts rather than any other Chase card. c

If you have one of those two premium cards and another Chase card (like Chase Freedom Unlimited® , for example), you can move your Ultimate Rewards® points from the Chase Freedom Unlimited® account to a premium card’s account (like the Chase Sapphire Reserve® card).

This strategy allows you to unlock half a cent more in value in seconds. It’s one of the best benefits of Ultimate Rewards® when you have a premium card and one of its no-fee cards.

Want to earn a bunch of points quickly to make a redemption? The sign-up bonuses on these cards can rake in extra points if you meet the terms and conditions.

on Chase's website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in Chase's travel portal: 1.25 cents apiece.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Point value in Chase's travel portal: 1.5 cents apiece.

• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.

• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Point value in Chase's travel portal: 1 cent apiece.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

Here’s a primer on what you can and cannot do with Ultimate Rewards® points.

Log in to your account, then navigate to the Chase Ultimate Rewards® tab on the right of the screen. If you have more than one card that earns this currency, you can see each balance and select the account from which you want to redeem points.

Once you select the card, you’ll be taken to a homepage that shows the points you have earned and how you can redeem them. We recommend sticking to travel redemptions rather than using points for merchandise as the value diminishes significantly with the latter.

Select the "Travel" tab at the top of the screen. From here, you can decide whether to transfer points to a partner or redeem them as cash for a trip.

One of the best perks of using this travel portal to make a points redemption is that you still earn frequent flyer miles on most airline tickets since these are booked as a revenue ticket (not as an award redemption like when using airline miles to book a flight).

How to book award flights in Chase's travel portal

This is one of the more popular features of using points, but keep in mind that Expedia operates Chase's portal on the back end. It doesn't feature all airlines, which can frustrate travelers searching for a flight. Even if you find a flight on an airline's website or third-party booking site, it doesn't mean it will be available at Chase.

Enter the relevant details in the search bar to find a flight. Results can be filtered by stops, airline or price. Another benefit of this portal is that you aren't subject to award seat availability in the same way you might be when redeeming miles through an airline's program.

If there is a seat that could be bought with cash, you can usually redeem points for it. Plain and simple.

Compare how many miles you would need if booking directly with the airline with what Chase is charging.

If it would cost fewer points to book directly with the airline, you’ll want to use miles instead. For example, Delta co-branded American Express cardholders can often redeem their miles like cash on Delta’s website (at 1 cent per mile’s value). That’s just average, but if it is cheaper than what Chase is charging, consider that the better option. But don’t forget that airlines will add on taxes and fees when redeeming miles . Airfare booked with Chase Ultimate Rewards® points don't have additional costs tacked on — these are already bundled into the fare.

Another important note is that some low-cost airlines like Allegiant don't appear in search results. If you want to travel on a budget airline, then you'll need to visit those websites to compare fares.

You can pay in cash, points or a combination. Chase will display particular details about your fare, like whether assigned seats or checked bags are included. This may not take into account any elite status perks you hold.

How to book hotels in Chase's travel portal

You can also redeem points for hotel stays using Ultimate Rewards® points. This is great news, especially when staying at hotels where you may not have  elite status  or don't care about elite perks or points earned.

Keep in mind that when making a reservation outside a hotel’s official reservation channels, you won’t earn points in its program or be able to take advantage of elite status benefits. So if you have status with a hotel chain, this isn't the best value unless you are willing to forgo those benefits.

Making a reservation is straightforward. Enter the city and travel dates to see a list of hotels available for redemption. Then, you can redeem points or pay in cash for your trip.

Like with flights, compare the cost of Chase Ultimate Rewards® points with the number of points a hotel’s program is charging. A particular favorite is World of Hyatt, which still uses an award chart and, as a transfer partner of Chase Ultimate Rewards®, can often deliver more favorable deals when using Hyatt’s points rather than Chase points.

For example, it would cost about 9,000 Chase Ultimate Rewards® points to redeem a night at Hyatt Place London Heathrow Airport. But, if you transfer points to World of Hyatt, you would need 5,000 points for the same night’s stay.

One of the booking tabs also leads to the Chase Luxury Hotel & Resort Collection . This subset of high-end hotels delivers bonus perks like free breakfast, a $100 hotel credit and room upgrades, depending on the property and other things.

You can book directly through Chase or redeem points and be eligible. It’s nice to have elite status-style perks at a hotel where you may not have status or that doesn't have a loyalty program.

How to book car rentals in Chase's travel portal

This is a great place to reserve rental cars using points, and Chase rental car insurance benefits apply when using the card and paying with points. But, for that to be the case, you will want to pay for part of the rental in cash so the insurance benefits are activated. To do that, pay with a combination of cash and points, and decline the rental company's insurance first.

How to book activities in Chase's travel portal

Activities available for booking through Chase's travel portal include tours and experiences at home or when traveling and airport transfers. Price comparison plays a role here, too, since many hotel brands have their own platforms like Marriott Bonvoy Moments or FIND Experiences from World of Hyatt. These allow you to redeem points for experiences.

Check which program is cheaper before redeeming Chase points if you find similar options in either program.

How to book cruises in Chase's travel portal

Since cruise bookings can be more complex, you will need to call Chase Ultimate Rewards® at 855-234-2542 to make a reservation. There are many ways to earn multiple points when booking a cruise that may be better than using Chase, but when redeeming points for a cruise , there can be a lot of value.

Using Chase's portal to make a travel reservation is also strategic, as depending on your card, you can earn a healthy stash of points this way. Just be sure to compare the benefits you can earn with the opportunity cost of booking elsewhere.

Benefits of booking travel in Chase's portal

Let’s say you have a premium card like Chase Sapphire Reserve® . It earns 5x points per $1 when booking flights through the portal. The sweet spot is when using this card for hotel stays and rental cars booked via the portal for 10x points per dollar spent. Consider what’s in your wallet, and decide which card will net the most points.

Another benefit is that you will earn miles from flights booked through the portal, even when redeeming Chase Ultimate Rewards® points since these are viewed as a revenue ticket.

Remember, you will want to compare if it is cheaper to redeem airline miles directly through a carrier’s redemption program or if you can use fewer points by redeeming Chase points via the portal.

Sometimes it might make more sense to transfer points from Chase to an airline partner when redeeming a flight (or a hotel program when making a hotel stay). Be as vigilant with price comparison when redeeming miles and points as you would when using cash.

Does Chase's travel portal price match?

No. You cannot submit a lower fare elsewhere for a price guarantee here since this isn't a publicly available site. It is only available to those who have a Chase card.

What else you need to know

When booking through this reservation site, keep in mind that most airlines and hotels cannot assist directly with a reservation. They see this as a third-party booking through Expedia and will direct you to Chase's agents.

Many travelers report the experience can be frustrating when travel disruptions or cancellations occur. Agents are friendly but can sometimes be limited in their abilities, often reading prompts on their screens in international call centers.

It can be a hazard booking a reservation with a third party, but the trade-off in redeeming points is worth it for some travelers.

If you do need to contact a Chase portal agent for support on a reservation made through the site, whether flight, hotel, car rental or activity, you've got one option: a good, old-fashioned telephone call.

For support on flights, hotels, car rentals and activities — especially changes or cancellations — Chase lists one number: 866-331-0773.

Chase also lists different contact numbers based on the card you hold, so you may want to give one of these a try:

Chase Sapphire Reserve® : 855-234-2542.

Chase Sapphire Preferred® Card : 866-331-0773.

All other cards: 866-951-6592.

If you compare prices and consider the opportunity cost of using the portal instead of booking elsewhere, you can almost always come out ahead.

You can save money, earn bonus points and travel better with transferable loyalty points like Chase Ultimate Rewards®. They have the flexibility and versatility necessary to deliver excellent value on travel (rather than being locked into one airline or hotel loyalty program). With the right card (or suite of cards), you’ll be able to accumulate points and benefits.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

What the Wells Fargo Autograph Journey Visa Card offers

How other travel cards compare to the wells fargo autograph journey℠ visa® card, 3 key benefits cardholders get from the autograph journey , move over, chase sapphire preferred. this new travel credit card is turning heads.

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

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The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

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After writing about hundreds of credit cards, these two are still my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

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Best Card to Pair with the Chase Sapphire Reserve: Boost Your Rewards with the Right Credit Card Combo

Vault’s viewpoint.

• The Chase Sapphire Reserve® is a travel rewards credit card that can provide value to frequent travelers.
• Pairing the Chase Sapphire Reserve® with another credit card can allow you to maximize your credit card rewards.
• If you have the Chase Sapphire Reserve®, the Chase Freedom Unlimited® can make an excellent addition to your wallet.

The Chase Sapphire Reserve and the Chase Freedom Unlimited®

Having the Sapphire Reserve and the Chase Freedom Unlimited® can allow you to potentially earn more rewards. Here are some reasons why you may want to pair these two Chase cards together.

Earn More Rewards for Everyday Purchases

The Chase Sapphire Reserve® has several bonus categories that allow cardholders to earn at a higher rate. But cardholders only earn 1X points for purchases outside those categories. Meanwhile, the Chase Freedom Unlimited® earns 1.5% cash back on spending outside select bonus categories.

With both credit cards in your wallet, you can earn more rewards to get closer to your redemption goals.

Here’s how to prioritize spending with this credit card combo to maximize your rewards:

• Use the Chase Sapphire Reserve® for dining and travel purchases
• Use the Chase Freedom Unlimited® for all other purchases

The Chase Freedom Unlimited® Has No Annual Fee

The Chase Sapphire Reserve has a pricey annual fee of $550. But the Chase Freedom Unlimited has no annual fee. This credit card pairing is smart because you won’t pay additional yearly fees to earn more rewards.

Combine Your Points to Get Maximum Value

The Sapphire Reserve is a dream rewards credit card for frequent travelers. When redeeming Chase Ultimate Rewards points for travel through the Chase Travel portal, cardholders get 50% more value from their rewards.

For example, redeeming 50,000 points will get you $750 worth of travel by that figure. Meanwhile, 50,000 points are generally only worth $500 when redeemed as a statement credit. That’s why many travelers with the Chase Sapphire Reserve avoid redeeming for a statement credit.

But cardholders with other Chase credit cards earning Ultimate Rewards points can combine their points and transfer them to their Chase Sapphire Reserve® rewards account. This will give them more points to redeem when they’re ready to use them, and they can maximize the value by booking eligible travel through Chase Travel.

Without the Chase Sapphire Reserve® in your wallet, 50,000 points earned from the Chase Freedom Unlimited® would only be worth $500 in cash back rewards. So, having both of these cards is a wise strategy to boost the value of your rewards.

Chase Freedom Unlimited®

On Bankrate Credit Cards's secure site

Earn an extra 1.5% on everything you buy with your card (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Why Would You Want to Pair One Card with Another?

Choosing the right card to pair alongside your Chase Sapphire Reserve® is necessary to maximize your rewards and get the most out of your credit card perks. Here are two reasons the right credit card combo can be beneficial:

Earn More Rewards

With the right pairing, you can boost your credit card rewards. As you research other cards, consider how the Chase Sapphire Reserve® earns rewards. Doing this will allow you to choose an alternate rewards credit card that earns in other bonus spending categories or at a higher rate for purchases beyond select bonus categories. The more rewards you earn, the more you can benefit when redeeming your rewards.

Maximize the Value of Your Credit Card Rewards

The right pairing can also give you more value from your rewards. As you explore credit card options, consider the card’s rewards program. The Chase Sapphire Reserve is part of the Chase Ultimate Rewards program.

Pairing this travel credit card with another rewards credit card that earns Chase Ultimate Rewards points can be a win. Why? You can transfer your rewards from another Chase credit card to your Chase Sapphire Reserve credit card account to maximize your rewards.

One way to do this is to redeem your rewards for travel through the Chase Travel Portal to get a 50% rewards boost. You can use your points to redeem hotels, flights and rental cars. This redemption strategy could make an upcoming vacation more affordable.

Other Cards to Consider

Not the ideal credit card combo for you? Here are some alternative best credit cards to pair with the Chase Sapphire Reserve®.

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is another card that pairs nicely with the Chase Sapphire Reserve. It has no annual fee and earns a flat-rate 2% cash rewards on all purchases with no spending caps. Since the Chase Sapphire Reserve only earns 1X points on purchases outside the card’s bonus categories, this is an ideal card to swipe for non-travel or dining spending.

This flat rate cash back card also includes cell phone protection insurance, which protects against covered cell phone theft or damage. Cardholders qualify for up to $600 per claim and can make up to two claims per 12-month period. A $25 deductible applies to each claim. You must pay your monthly mobile phone service bill with your credit card to use this perk.

U.S. Bank Cash+® Visa Signature® Card

The U.S. Bank Cash+® Visa Signature® Card is another pairing option for the Chase Sapphire Reserve. This rewards card has no annual fee and offers up to 5% cash back rewards. The best part is it provides customizable rewards. Here’s how this card earns rewards:

• 5% cash back on your first $2,000 in combined eligible purchases every quarter on two spending categories of your choosing (home utilities, electronic stores, fast food, cell phones, department stores, select clothing stores, furniture stores, ground transportation, sporting goods stores, movie theaters, gyms and fitness centers or TV, internet and streaming)
• 2% cash back on one everyday spending category of your choice (grocery stores and grocery delivery, restaurants or gas stations and EV charging stations)
• 1% cash back on other purchases

Using this cash back credit card for your top everyday spending categories outside of dining and travel can allow you to maximize the rewards you earn. The 2% rewards have no spending cap, so this would be a solid card to swipe for gas or grocery spending.

Chase Freedom Flex℠

The Chase Freedom Flex℠ has no annual fee and earns rewards in the following categories:

• 5% cash back on rotating quarterly bonus categories with activation (on up to $1,500 in spending per quarter)
• 5% cash back on travel purchased through the Chase Travel portal
• 3% cash back on dining and drugstore purchases

The 5% cash back rewards apply to up to $1,500 in spending per quarter for a maximum of $75 cash back rewards per quarter. Since these bonus categories rotate, stay alert to these categories so you don’t miss out on the chance to activate and earn more rewards.

Frequently Asked Questions

Is amex gold or chase sapphire reserve better.

The American Express® Gold Card is another popular rewards credit card. But it differs from the Chase Sapphire Reserve. The Amex Gold Card has an annual fee of $250 ( see rates and fees ) and rewards purchases at restaurants worldwide (plus on takeout and delivery in the U.S.), U.S. supermarkets spending and on flights booked directly with airlines or on amextravel.com.

The Chase Sapphire Reserve has a higher annual fee of $550 and rewards for travel (not just flights) and dining purchases. To determine which rewards credit card is best for you, consider your rewards goals, budget, and typical spending habits.

Does Chase Sapphire Reserve Get You Into Airport Lounges?

Yes, the Chase Sapphire Reserve includes a complimentary Priority Pass Select membership. After enrolling in this benefit, primary cardholders and authorized users get complimentary access to participating Priority Pass lounges. Each cardholder and authorized user can bring a maximum of two accompanying guests for free per lounge visit. A fee of $27 per guest will apply to any additional guests per visit.

Do You Get Priority Boarding with Chase Sapphire Reserve?

No, the Chase Sapphire Reserve® is a travel rewards credit card. Since it’s not an airline credit card it doesn’t include priority boarding benefits. Travelers seeking priority boarding may want to apply for a credit card from their favorite airline or achieve elite status through a frequent flyer program to access this travel perk.

The post Best Card to Pair with the Chase Sapphire Reserve: Boost Your Rewards with the Right Credit Card Combo first appeared on Newsweek Vault .

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

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Find the best credit card for you

Here are the 3 best chase balance transfer credit cards of 2024, save money with these chase credit cards that offer 0% introductory aprs on balance transfers..

Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month . However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.

Chase is known for issuing some top travel credit cards , but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).

Best Chase balance transfer credit cards

• Best for long intro APR: Chase Slate Edge℠
• Best for cash back: Chase Freedom Unlimited®
• Best for rotating bonus categories: Chase Freedom Flex℠

Best for long intro APR

Chase slate edge℠, welcome offer.

Get an automatic review for a credit limit increase when you pay on time and spend $500 in your first six months.

0% for 18 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply. Information about the Chase Slate Edge℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• No annual fee
• Lower your interest rate by 2% each year: Automatically be considered for an APR reduction when you pay on time, and spend at least $1,000 on your card by your next account anniversary
• 3% foreign transaction fee
• No rewards program

Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.

Balance transfer offer : New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 20.49% to 29.24% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

[ Jump to more details ]

Best for cash back

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

[ Return to card summary ]

The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best Chase balance transfer credit cards.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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