The 5 Chase Cards Emily Currently Has (And Why!)

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

It’s easy to customize your cards based on your own travel goals, whether that’s more award nights at luxurious hotels, domestic award flights with the family, or fancy Business or First Class award flights around the world!

Emily finds certain Chase cards suit her travel goals AND have great ongoing benefits.  She has a few of the same Chase cards as me.  And a couple I don’t have!

The 5 Chase Cards Emily Currently Has And Why

Emily’s Had Lots of Credit Cards Over the Years. Find Out Which 5 Chase Cards She’s Kept – and Why!

And with rumors that Chase might make it tougher to be approved for their cards in April 2016, you might consider opening 1 or 2 more before then.

I’ll tell you about the 5 Chase cards Emily currently has.  And why she keeps them!

Which Chase Cards Does Emily Have?

Link:   The 4 Chase Cards I Currently Have (And Why!)

Emily likes to travel close to home with her family.  But sometimes she likes to take fun international trips with her friends.  So she keeps Chase cards that give her flexibility with travel plans.

I like that you can personalize your card choices to match your travel style.  Check out which Chase cards I currently have.

Over the years, Emily’s closed a few cards.  Because she decided others would be a better match with her travel plans.  Here are the 5 Chase cards Emily decided to keep.

Note:   There are rumors that starting April 2016, Chase will make it tougher to be approved for ANY of their cards (including airline & hotel cards) if you’ve opened ~5+ credit card accounts with any bank within the past 24 months.

1.   Chase Sapphire Preferred 

Link:   Chase Sapphire Preferred

Like me, Emily likes to earn Chase Ultimate Rewards points.  Because they’re flexible.  That gives her the option to transfer them to several excellent air and hotel partners, like Southwest, United Airlines, or Hyatt.

You’ll earn 50,000 Ultimate Rewards points after spending $4,000 on purchases within the 1st 3 months of opening your Chase Sapphire Preferred account.  The $95 annual fee is waived the 1st year.

The 5 Chase Cards Emily Currently Has And Why

Emily Loved Staying at the Luxurious Park Hyatt Milan! And You Can Stay There Too With Chase Ultimate Rewards Points Transferred to Hyatt

The Chase Sapphire Preferred is an excellent option if you have the Southwest Companion Pass, like to redeem United Airlines miles, or want award nights at fancy Hyatt hotels, including the Park Hyatt Milan where Emily and I stayed.

Rumor 100,000 Chase Ultimate Reward Point Sign Up Bonus With New Card Coming Soon

Transfer Chase Ultimate Rewards to Lots of Great Airline and Hotel Travel Partners!

Of course, you may like some of their other transfer partners, like IHG or British Airways, even better.

The Chase Sapphire Preferred card has NO foreign transaction fees.  So Emily earns 2 Chase Ultimate Rewards points per $1 spent on travel and dining anywhere in the world!

The 5 Chase Cards Emily Currently Has And Why

Earn 2X Chase Ultimate Rewards Points on Travel and Dining and Avoid Foreign Transaction Fees Worldwide. Even in Jaipur, India!

It also comes with built-in trip delay and cancellation insurance that can come in handy.

And purchase protection covers the treasures you find while shopping.  Emily loves to shop, so this a great perk for her!

2.   Chase Freedom

Link:   Chase Freedom

The Chase Freedom card has quarterly rotating 5X points (5% cash back) bonus categories.  In the past, this has included department stores and Amazon.com.  These bonus categories are an easy way to rack up even more Chase Ultimate Rewards points!

You’ll earn $150 (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the 1st 3 months of opening your account.  There’s NO annual fee on this card, so it’s a great 1 to open and keep forever (you can even improve your credit score this way!).

The 5 Chase Cards Emily Currently Has And Why

The 5X Categories on the Chase Freedom Card Have Included Department Stores, Dining, Gas, and Lots of Other Popular Purchases! Emily Likes to Boost Her Chase Ultimate Rewards Points Balance With the Chase Freedom Card

But it’s not just about shopping!  Nearly anyone will find the bonus categories useful at some point in the year.  They’ve previously awarded bonus points for dining, gas and commuter expenses, and home improvement store purchases – just make sure to activate the bonus each quarter!

If you spend the $1,500 maximum each quarter, you’ll earn an extra $300 or 30,000 Chase Ultimate Rewards points per year ($1,500 X 5% X 4 quarters).

And, if you also have the Chase Sapphire PreferredChase Ink Plus, or (no longer offered) Chase Ink Bold, you can transfer your points to Chase Ultimate Rewards travel partners.

3.   Chase British Airways

Link:   Chase British Airways

The sign-up bonus on the Chase British Airways card is a total of 100,000 British Airways Avios points when you meet the tiered spending requirements. (EXPIRED.)  To get the full bonus, you’ll have to spend:

  • $2,000 on purchases in the 1st 3 months of opening your account (earn 50,000 British Airways Avios points)
  • $10,000 (total) on purchases in the 1st 12 months of opening your account (earn an additional 25,000 British Airways Avios points)
  • $20,000 (total) on purchases in the 1st 12 months of opening your account (earn another 25,000 British Airways Avios points)

The $95 annual fee is NOT waived for the 1st year.  But it’s worth it for 100,000 British Airways Avios points!

The 5 Chase Cards Emily Currently Has And Why

Emily Likes to Use British Airways Avios Points for Short, Expensive Flights to Visit Family

British Airways Avios points are excellent for award flights on expensive routes.  You’ll pay 7,500 British Airways Avios points each way for domestic coach award flights under 1,150 miles on partners American Airlines and Alaska airlines.

And if you travel overseas, you can get award flights under 650 miles on international partners for 4,500 British Airways Avios points.  That’s a great deal!

You can also earn a Travel Together Ticket when you spend $30,000 on the Chase British Airways card in a calendar year.  A companion flies with you on a British Airways award flight for the cost of taxes and fees.

Emily and I used a Travel Together Ticket for First Class award seats on British Airways to London.  Here’s how to decide if earning a Travel Together Ticket is worth it for you.

4.   Chase United Explorer

Link:   Chase United Explorer

Emily likes the Chase United Explorer card because it’s a great way to earn extra United Airlines miles.  Plus, you (and a traveling companion on the same reservation) get a free checked bag when you use the card to pay for your ticket.

You can currently earn:

  • 30,000 United Airlines miles after spending $1,000 on purchases within 1st 3 months of opening your account
  • 5,000 additional United Airlines miles by adding authorized user who makes a purchase within the 1st 3 months
  • $50 statement credit after your 1st purchase

We don’t earn a commission on this card, but we always let readers know when there’s a better offer!

The 5 Chase Cards Emily Currently Has And Why

You’ll Get 2 United Club Lounge Passes Each Year With the Chase United Explorer Card. They’re Handy for Relaxing, Free Wi-Fi, Drinks, and Snacks Before or After United Airlines Flights!

You’ll also get 10,000 bonus miles when you spend $25,000+ on your card each year, and 2 United Club passes per year.

Another extremely useful benefit is cardholders will see more available award seats than folks who don’t have the card.

If you like to fly United Airlines and their Star Alliance partners, the Chase United Explorer card is a great for earning extra miles, relaxing before or after your flights, and getting more award seats!

5.   Chase IHG Rewards

Link:   Chase IHG Rewards

With the Chase IHG Rewards card, you get a free night certificate each year on your cardmember anniversary.  And you can use it at ANY IHG hotel in the world!

You’ll earn 70,000 IHG Rewards points after spending $2,000 on purchases within the 1st 3 months of opening your account.  (EXPIRED.) 

And an additional 5,000 IHG points when you add an authorized user and make a purchase in the same timeframe.

The 5 Chase Cards Emily Currently Has And Why

Emily Loved the Clear Water and Interesting Sea Creatures When She Stayed at the InterContinental Thalasso Bora Bora!

The Chase IHG card has a $49 annual fee which is waived the 1st year.  But when you pay it, you get a free night certificate to use at any IHG hotel in the world.  Even the InterContinental Thalasso Bora Bora where Emily and I stayed, which can cost over $1,100 a night – that’s a great trade-off!

Bottom Line

Emily chose (and kept!) her Chase cards based on how she likes to travel.  And you can pick the cards best suited to your travel plans!

The 5 Chase cards Emily’s decided to keep are:

Remember, Chase may be tightening their application rules starting April 2016.  So it’s worth it to apply for 1 or 2 more before then!

Let us know which Chase cards you’ve kept!

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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12 responses to “The 5 Chase Cards Emily Currently Has (And Why!)

  1. Not sure of benefit of British Airways card. You only get 1 Avios/dollar spent. Only bonus spending is with British Airways. Much better to use sapphire and Ink to generate 2-5X points and transfer them to British Airways. That’s why I dumped Brit Air card which especially makes sense for Emily since she uses Avios for short domestic flights. So… my cards are Sapphire, Chase Ink Cash, Freedom, and Ritz. Also, Amex Everyday Preferred. That’s all for now, used to have over 30 cards, but churning has become next to impossible so I’ve consolidated into best earning potential cards.

  2. I kept the Sapphire Preferred, Freedom, IHG, Hyatt, Ink and for now the Marriott. The Hyatt gives you a free night if you keep the card, which is worth it. Plus we stay at so many Hyatts with UR points that I like having the elite status that comes with the card. I may be cancelling the Marriott because they’ve devalued their rewards system so many times that the free annual night certificate is getting harder to use. I don’t see the point of keeping the British Airways card after getting the signup bonus. I’ve been laying off most credit card applications because of the new 5/24 rule.

  3. Good to see pictures of Emily again.

  4. I also like the British airways card for short haul flights and was thinking of cancelling cause I don’t use card for normal spending because of poor point accrual. If I cancel card do I still maintain british airways membership and points and can I transfer from ultimate rewards?

  5. All of the above plus the Hyatt and Slate which will be converted to the Freedom Unlimited later this year

  6. Why not also get a Chase Ink business card? That way you can earn 5x pts at Staples. Example, $300 in purchases yields 1500 points. A great way to accumulate points for future travel. [Edited.]

  7. I have read your blog for years, I need to tell you that this post felt weird, and it has nothing to do of your personal situation….Why do you have to tell us the story of Emily’s cards like she has no voice? What about she writes it herself in 1st person? To me, felt like giving excuses in her name, more than promoting the cards. It reads like a dad writing to the school principal about his little daughter. Just saying…

  8. I just recently started using/collecting rewards and have a dilemma. I have a Chase SWA premier personal and business, IHG, and CSP all approved since late November 2016. I also was approved for the Citi Hilton. I have a nice 50k personal offer for the United Explorer but would like to get the Freedom before it goes away because i really like the 5% categories that I can transfer to my CSP. Also Amex comes out with the 35k offer on the SPG which everybody says you should have. My credit rating took a hit after the Nov/Dec approvals but still well above 800 in all 3 reporting agencies. Your suggestions on the United/Freedom/SPG which to hold off on? Thanks in advance

  9. I kind of agree with Ricardo. Where is Emily that she can’t write the article and explain why she has those cards? I wonder if Daraius is carrying on this site alone under the guise of both parties.

  10. I cant seem to find any award night available for the entire year at the InterContinental Thalasso Bora Bora. Is there a different way for me to search?

    Thanks.

  11. Hey Emily. I may have just seen you in Austin. I have an office @ 2900 South Congress (across from St. Edwards University). Returning from lunch I saw what appeared to be you getting in a car with 3 others in our parking lot just now ~12:15 pm Friday March 5th. Felt like a celebrity sighting one week before SXSW! Continued thanks for the blog.

  12. @Steve I agree that the BA card isn’t a great day to day card, but if you can get 50k for spending 2000 or up to 100k for spending a little more then it is worthwhile to have in your churn.

    I currently have Chase Ink business, IHG, SW personal and am going for the SW business in about 10 days once my house sale closes 🙂