Pros Points are worth 25% more when redeemed for travel via Chase Ultimate Rewards® Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt® Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement No fee charged on purchases made outside the U.S. Cons $95 annual fee No introductory 0% APR Learn More View More Who's this for?