6 Ways To Get Approved For Your First Credit Card And Start Building Credit

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Chase

Southwest Rapid Rewards® Plus

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Southwest Rapid Rewards® Premier Business

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Chase

United℠ Business

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Chase

IHG One Rewards Premier Business

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American Express

The Platinum Card®

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Chase

Ink Business Premier℠

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Chase

Ink Business Cash®

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Chase

United Club℠ Infinite

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Chase

United Quest℠

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Chase

Chase Sapphire Reserve®

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Chase

IHG One Rewards Premier

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Chase

Southwest Rapid Rewards® Performance Business

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Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Additional Value with Chase Travel

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Free Access to your FICO® Score

View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.

Wireless Bill Discount

Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

DoorDash

Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.

5% Cash Back on Lyft Rides

Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.

Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.

Travel and Emergency Services

Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Travel and Emergency Services

Travel benefits your business needs including $1,000,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Inflight Discount

Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.

Free priority boarding

Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.

Free checked bag

Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!

Annual companion fare

Earn another Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.

Inflight Discount

Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.

Free Checked Bag

Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation.

Free Priority Boarding

You'll enjoy priority boarding when you pay for your flight with your card, so you can get to your seat quicker.

Alaska's Famous Companion Fare™

Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more in purchases within the prior anniversary year.

Travel and Emergency Services

Travel services your business needs including $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.

Travel protections

Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation.

Visa Signature® Luxury Hotel Collection

Enjoy a premium set of benefits when you use your Premium Rewards® card to book through the Visa Signature Luxury Hotel Collection.

Visa Signature® Luxury Hotel Collection

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signatureregistered® Concierge.

Travel and Emergency Services Assistance

Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.

Lost Baggage Reimbursement

Get Travel Accident Insurance protection of up to $1,000,000 when you purchase your airline or other common carrier ticket with your eligible credit card.

Emergency Cash Disbursement and Card Replacement

Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

The Luxury Hotel & Resort Collection

Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

$84 Disney Bundle Credit

Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.

Trip Cancellation/Interruption Insurance

Trip Cancellation Interruption Insurance

Travel and Emergency Assistance

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Instacart+ Benefit

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

DoorDash

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

5% Cash Back on Lyft Rides

Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.

$300 Equinox Credit

Get up to $300 in statement credits each year when you pay for an Equinox+ digital subscription with live and on-demand classes, or an Equinox club membership (subject to auto-renewal) with your Platinum Card®.

$300 Annual Travel Credit

Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card.

$250 Delta Stays Credit

Earn up to $250 per year as a statement credit after using your Delta SkyMiles® Reserve Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

$240 Resy Credit & Global Dining Access

With Global Dining Access by Resy, unlock insider access to reservations at sought-after restaurants when you add your Delta SkyMiles® Reserve Business Card to your Resy profile through the Resy app or website. You can also take advantage of your $240 Resy Credit to earn up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants after you enroll through your americanexpress.com account.

$240 Resy Credit

Discover restaurants to love on your upcoming trip. With your enrolled Delta SkyMiles Reserve American Express Card, you can earn up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants.

$120 Rideshare Credit

Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.

$120 Rideshare Credit

$120 Resy Credit

When you use your enrolled Delta SkyMiles(R) Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.

$120 Resy Credit

With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.

Zone 5 Priority Boarding

Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.

Zone 5 Priority Boarding

Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.

Zero liability protection

You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.

Zero Liability Protection

You won't be held responsible for unauthorized charges made with your card or account information.

Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.

Unlimited tier qualifying points (TQPs)

Unlimited tier qualifying points (TQPs): Earn 1,500 TQPs toward A-List status for every $10,000 you spend–there is no limit on the amount of TQPs you can earn.

Unlimited tier qualifying points (TQPs)

Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent – with no limit on the amount of TQPs you can earn.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match. So you could turn $50 cash back into $100. Or $100 into $200.

Trip Cancellation/Trip Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by covered situations like sickness or injury.

Trip Cancellation/Interruption Insurance

Trip Cancellation-Trip Interruption Insurance

Trip Cancellation-Interruption Insurance

Trip cancellation and interruption reimbursement

Offers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your passenger fare is booked with your Bilt Mastercard®.

Trip Cancellation and Interruption

If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020 and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse the non-refundable travel expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.

Trip Cancellation and Interruption

If a round-trip is paid for entirely with your eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse the non-refundable travel expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period.

Trip Cancellation and Interruption

If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption

Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your eligible Card on or after January 1, 2020, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Travel Protection Benefits

Help stay protected with travel insurances, including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage, and MasterRental Coverage (car rental insurance).

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Purchase Protection

Shop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.

Purchase Protection

When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

Global Dining Access by Resy

Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card to your Resy profile.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services, including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

Global Assist® Hotline

When it's time to travel again, rest assured that our Global Assist® Hotline is still on call for all Card Members traveling more than 100 miles from home.

Global Assist® Hotline

Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card Member can make things easier. Global Assist® Hotline‡ can help you prepare for your trip with customs information and more. And while you're traveling more than 100 miles from home, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals are a phone call away.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

DoorDash

Credit Journey

Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud.*Opens offer details overlay We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet.

Credit Close-Up

With Credit Close-Up you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complementary to Wells Fargo Online® customers and using it won’t negatively affect your score.12 For additional information, visit wellsfargo.com/ficoscore.

Concierge Services

Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small. Simply call the number on the back of your Card and say "Concierge" when prompted or send your Concierge request to PlatinumRequests@concierge.americanexpress.com from the e-mail associated with your American Express account."

Concierge service, 24/7

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.

Concierge

Whether you need help making arrangements for a special dinner, purchasing tickets to a sought-after event, or selecting the perfect gift, Delta SkyMiles Reserve Business American Express Concierge can assist. Simply call the number on the back of your Card, select or say "Concierge" when prompted."

Complimentary Upgrade List

Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.

Complimentary Upgrade List

Not a Medallion Member? Delta SkyMiles® Reserve Business Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.

Complimentary Marriott Bonvoy Gold Elite Status

Receive complimentary Marriott Bonvoy Gold Elite status with your Card, which includes priority late checkout when available and 25% bonus points on stays.

Complimentary Hilton Honors Gold Status

Enjoy even more perks as a Hilton Honors Gold member, like an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more.

Complimentary Gold Status

Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass® Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.

Complimentary Delta Sky Club® Access

With complimentary access into Delta Sky Club®, you can relax before your Delta flight or between connections. You'll also receive four Delta Sky Club One-Time Guest Passes each year.

Complimentary Delta Sky Club® Access

Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Complimentary Airport Lounge Access

Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.

Complimentary Access to the Centurion® Lounge

Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.

Complimentary Access to The Centurion Lounge and Escape Lounge

When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge–The Centurion Studio Partner.

Complimentary 4th night at Ennismore Hotel properties

Get VIP access to benefits at SLS, Mondrian, Delano, House of Originals and Hyde hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night and receive room upgrades, late checkouts, daily complimentary breakfast, a $30 food and beverage credit and much more.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Auto Rental Collision Damage Waiver

Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt Mastercard.

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Annual Companion Certificate

Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American round-trip flights each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

Annual Bonus Spend

Earn 10,000 bonus points after spending $10,000 on purchases each calendar year.

Annual Bnous Spend

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.

Annual Bnous Spend

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.

Anniversary Free Night

Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.

Anniversary Free Night

Anniversary Bonus Points

Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points.

American Express Preferred Access

With Preferred Access, you will have access to premium seats for select cultural and sporting events, based on availability.

Adobe Creative Solutions

Get the creative solutions your business needs. Enroll and get up to $150 in statement credits per year for eligible annual prepaid business plan purchases with Adobe on Creative Cloud for teams or Acrobat Pro DC with e-sign for teams on the Business Platinum Card. Annual prepaid business plans automatically renew each year on your annual subscription date until cancelled.

Additional Value with Chase Travel℠

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ points do not expire as long as the account is open.

Access to The Centurion® Lounge

Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.

Access to Complimentary Upgrades

If you don't have Medallion Status, your Card adds you to the Complimentary Upgrade list, after Medallion Members.

9000 anniversary points each year

Receive 9,000 bonus points each year after your Cardmember anniversary.

50% More in Travel Redemption

Get 50% more value when you redeem for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.

25% more in travel redemption

Points are worth 25% more when you redeem for travel through Chase Travel℠. For example, 100,000 points are worth $1,250 towards travel.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠ Infinite Card.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Quest Card.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

24/7 Concierge service

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.

20% In-Flight Savings

On your next Delta flight, enjoy 20% savings in the form of a statement credit on select in-flight purchases when you use your Card.

20% Back on In-Flight Purchases

Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in'flight purchases of food, beverages, and audio headsets.

20% Back on In-Flight Purchases

Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

20% Back on In-Flight Purchases

Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages,and audio headsets.

15 Elite Night Credits

With the Marriott Bonvoy Bevy™ American Express Card®, each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

10% Off Exclusive Offer

Take 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.

10% Discount on United Economy Saver Awards Within the Continental U.S. and Canada

The primary Cardmember will be eligible to book award flights in United Economy on United or United Express with 10% fewer miles.

10% bonus on Chase Travel℠ points transfers

Chase Aeroplan credit cardmembers, get a 10% transfer bonus after transferring 50,000 or more Chase Travel℠ points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 Aeroplan bonus points per calendar year.

10,000 Companion Pass® qualifying points boost

10,000 Companion Pass® qualifying points boost each year.

10,000 Companion Pass® qualifying points

10,000 Companion Pass® qualifying points boost each year.

7,500 points every year

7,500 points every year on your Cardmember anniversary.

6,000 anniversary points each year

Receive 6,000 bonus points each year after your Cardmember anniversary.

5% Cash Back

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

5% Cash Back

5,000-mile better-together anniversary bonus

You'll receive 5,000 bonus miles each year on your United℠ Business Card anniversary when you have both the United℠ Business Card and a personal Chase United card.

3,000 points

3,000 points every year on your Cardmember anniversary.

2x miles your first year with Discover Match®

We'll automatically match all the Miles you earn at the end of your first year. You could turn 35,000 Miles to 70,000 Miles, which is $700 all for you. No minimum spending requirement on your new card.

2 United Club℠ one-time passes each anniversary - over a $100 value

After account opening and on each anniversary - over a $100 value per year. For an updated list of United Club locations and any temporary closures, please visit

2 United Club℠ one-time passes

after account opening and on each anniversary ' over a $100 value per year. For an updated status on United Club locations and any temporary closures, please visit .

1.5x miles on every dollar of every purchase

There's no limit to how many Miles you can earn. And however you redeem, Miles have the same value.

1:1 Points Transfer

Transfer your Chase Travel℠ points to participating frequent travel programs at full 1:1 value ' that means one Chase Travel℠ point equals one partner mile/point.

1:1 Point Transfer

Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Chase Travel℠ points equal 1,000 partner miles/points.

1:1 Point Transfer

Are you a member of a frequent travel program? With Chase Sapphire Preferred®, you can transfer your points to leading frequent travel programs at 1 to 1 value.

1,500 tier qualifying points

Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent – with no limit on the amount of TQPs you can earn.

1,000 Bonus Points Per Stay

Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott Bonvoy for properties participating in Marriott Bonvoy.

$500 Fee credit for points transfers

$500 Fee credit for points transfers when you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.

$500 Fee credit for points transfers

When you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.

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6 Ways To Get Approved For Your First Credit Card And Start Building Credit

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February 10, 2025

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6 Ways To Get Approved For Your First Credit Card And Start Building Credit

"Unlocking The Door To Credit: Simple Strategies To Secure Your First Credit Card"

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Introduction

Embarking on the journey to build your credit can be daunting. The classic conundrum of needing credit to get credit, similar to needing money to make money, often leaves newcomers perplexed. This article provides practical tricks to help you get approved for your first credit card.

Strategies to Get Approved for Your First Credit Card

1. Open a Chase Bank Account

If you open a Chase checking account and deposit $250, you can get approved for the Chase Freedom Rise℠. You can apply for the card immediately after opening the account, provided the $250 is deposited within 48 hours of the application.

2. Piggybacking Credit

Being added as an authorized user on someone else's credit card can jumpstart your credit history. Ensure the credit card issuer reports to the credit bureaus and includes the complete history. Being an authorized user on a well-maintained account with a long history can reflect positively on your credit report.

3. Secured Credit Card

Secured credit cards are an excellent way for newcomers to build credit. You provide a deposit that acts as your credit limit, essentially lending you your own money. When selecting a secured card:

Avoid cards with high fees.
Ensure the card reports to all three major credit bureaus.
Research the card issuer to confirm their credibility.
Look for cards offering additional features like free FICO scores or rewards.

4. Store Cards

Store cards are typically easier to get approved for and come with various store-related benefits. However, they usually offer lower credit limits and higher APRs. Note that store cards might not influence your credit score as significantly as general-use cards.

5. Authorized User on an Amex Card

Being added as an authorized user to an Amex card can enhance your chances of approval when you apply for your own Amex card, especially if you choose cards like the Delta Gold. Amex usually pulls credit only upon approval, reducing the risk of a negative impact from the application.

6. Joint Card

As a last resort, consider a joint card with someone who has a strong credit history. This option is available with issuers like US Bank, Bank of America, and the Apple Card.

Conclusion

Building credit requires strategic steps and patience. By utilizing these tricks, you can pave your way to obtaining your first credit card and building a robust credit profile. Remember, each credit activity shapes your financial future, so choose your actions wisely.

Need Help Applying? Have Credit Questions?

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Key Takeaways

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6 Ways To Get Approved For Your First Credit Card And Start Building Credit

Introduction

Strategies to Get Approved for Your First Credit Card

1. Open a Chase Bank Account

2. Piggybacking Credit

3. Secured Credit Card

4. Store Cards

5. Authorized User on an Amex Card

6. Joint Card

Conclusion

More questions? More answers.

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