Current Offer: Earn $200 welcome bonus after spending $500 in 3 months + 5x on groceries on up to $12k In the first 12 months 

Why I Love it:  Every quarter, Chase selects categories like grocery stores, drug stores, gas, department stores, etc for you to earn 5x points, on up to $1500, on purchases. Now, this is technically a cash-back card, but when paired with a premium Ultimate Rewards card like the Chase Sapphire Preferred or Chase Sapphire Reserve, you can transfer that cash-back into you Ultimate Rewards account. This is what I do every year, and if you max out those $1500 quarterly bonuses, you end up making 5x points on $6k of spend. Or 30k points, each and every year. In 2021, Chase added 5x on travel booked in Chase Travel, 3x on dining and pharmacies, and 1x everywhere else.

Referral Link: https://www.referyourchasecard.com/18a/USCTBDRWUH

Benefit Overview: 

  • No Annual Fee
  • 5x on Travel booked through Chase Travel
  • 3x on Dining and Pharmacies 
  • 5x rotating quarterly categories 
  • Combine cash back with ultimate rewards