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Welcome Bonus
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Credits
Extended Warranty
Auto CDW Insurance
Cellphone Protection
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Extra Redemption Value
Free Baggage
Free Night Certificate
Global Entry or TSA PreCheck
Price Protection
Inflight Savings
Hotel Collection
Lost Luggage Insurance
Lounge Access
Luggage Delay Insurance
Priority Boarding
Purchase Protection
Return Protection
Roadside Assistance
Travel Accident Insurance
Travel Medical Insurance
Trip Cancellation Insurance
Trip Delay Insurance
Upgraded Statuses
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 $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

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.

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.

Travel and Emergency Assistance

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.)

$199 CLEAR® Plus Credit

CLEAR uses unique attributes, such as eyes or fingerprints, to help its members move faster through security available at 100+ airports, stadiums, and entertainment venues. You can cover the cost of a CLEAR membership with up to $199 in statement credits per year after you pay for CLEAR with your Business Platinum Card.

$199 CLEAR® Plus Credit

CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus membership with up to $199 in statement credits per calendar year after you pay for CLEAR Plus with your Platinum Card®.

$180 Home Chef Credit

Choose the best Home Chef meal kit for you. Get up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.

$155 Walmart+ Credit

A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart, free same-day delivery of groceries from store (where available, subject to order minimum), & more. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit for up to $12.95 (plus applicable taxes) that covers the full cost (excluding any Plus Up Benefits) each month.

$100 Annual Hotel Savings Benefit

Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

$84 Disney Bundle Credit

Get a $7 monthly statement credit after using your enrolled Blue Cash Preferred® 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.

Priority Boarding for you and any authorized users

You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.

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.

trip-cancellationtrip-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/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/Trip 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.

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 $1,500 per person and $6,000 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 sickness, severe weather and other covered situations.

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 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

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 or other covered situations.

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.

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Premier credit card.

Roadside Dispatch®

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.

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

Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date.

Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits.

Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits.

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

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 $500 per claim and $50,000 per account.

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.

Marriott Bonvoy Gold Elite Status

With Marriott Bonvoy Gold Elite status, you can receive upgrades to enhanced rooms upon check-in when available.

Marriott Bonvoy Bevy™ Free Night Award

Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resorts fees.

Marriott Bonvoy Air+Car Transfer Program

Air+Car allows members to redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners around the world.

Lyft Credits

Take 3 rides in one calendar month, get a $5 Lyft credit with your Bilt Mastercard® through 3/31/24,

Lyft

Earn 10x total points on Lyft rides. Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually.

Lyft

Earn 5x points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel.

Luxury Hotel Collection

The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.

Luxury Hotel Collection

Enjoy a premium collection of benefits at a selection of

the world’s most intriguing and prestigious properties.

​

Learn more about the Visa Signature Hotel Collection

at VisaSignatureHotels.com

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

Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as 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.

Get a 10% discount on airfare

Use your Iberia Visa Signature Card to book your flight on iberia.com/Chase10Opens Overlay, and you will receive a 10% discount.

Free Night Reward

Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year.

First checked bag free

Enjoy your first checked bag free on Delta flights.

First checked bag free

As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.

First checked bag free

You can check your first bag for free and save up to $60 on a round trip Delta flight.

First checked bag free

You can check your first bag for free and save up to $60 on a round-trip Delta flight.

Fee Credit for Global Entry or TSA PreCheck

Receive a fee credit for TSA PreCheck® or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge.

Extended warranty protection

Extends the time period of 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.

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.

Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories.

Citi Entertainment®

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.

Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more ' from virtually anywhere.

Citi Entertainment®

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to a combined maximum of $3,000 for checked and carry-on Baggage, which includes up to $2,000 for checked Baggage and up to $1,000 for any High Risk Items such as jewelry and electronics, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

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 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.

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Rapid Rescore: What Is It And How Does It Work
Advertiser Disclosure: Many of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.
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February 10, 2025
2
minute read

Rapid Rescore: What Is It And How Does It Work

"Boost Your Mortgage Approval Chances With A Rapid Rescore: A Quick Fix To Update Your Credit Fast"

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When applying for a mortgage It is very important for you to have your credit file up-to-date. That’s why most mortgage brokers and lenders offer a service called a rapid rescore. For example, if you’ve had high balances on your credit cards and already paid them up, but the bank did not update the balances yet to the credit bureaus, with a rapid rescore you can have it updated right away.

How Does a Rapid Rescore Work?

A rapid rescore works as follows. You will need a letter from your credit card issuer or bank confirming the correction that needs to be updated on your file. For example, if you paid up a balance on one of your credit cards, ask the credit card issuer for a zero balance letter. If the bank made a mistake and reported a late payment, ask the bank for a letter confirming the mistake. You can receive the letter by calling the number on the back of your card and ask them to fax it to you. Once you receive the letter, give it to your mortgage broker and ask him to send it to the credit bureau (using the same company he uses to pull your credit.)

How Long Does It Take for My Credit File to Update?

Once your mortgage broker or lender sends the letters to the credit bureaus your credit file should update within 48-72 hours.

How Much Does a Rapid Rescore Cost?

The FCRA (15 U.S.C. § 1681) forbids the credit bureaus from charging a consumer to update their credit file. The mortgage broker or lender, though, will need to pay about $100 to have all 3 bureaus updated. Unfortunately, for this reason, many lenders and mortgage brokers don’t offer this program. Some mortgage brokers will forward this charge to their clients. It is highly questionable if this is legally allowed, plus this can also be a violation of their contract with the credit vendor he/she is affiliated with. These violations can result in termination of access to credit reports and can be held liable for any actual or punitive damages.

Can I Do a Rapid Rescore Without Applying for a Mortgage?

No. The express option of a rapid rescore is reserved only for people who are applying for a loan and need everything updated express. If you’re not applying for a loan now, you’re not eligible for a rapid rescore.

Can I Do a Rapid Rescore on My Own?

Rapid rescore is a program offered only through lenders and mortgage brokers. So ask your lender or mortgage broker if they offer the program. If not, you may want to find a new lender or broker.

Getting Your Credit Report Updated Express Without a Rapid Rescore

Some credit card issuers will update your account balances to the credit bureaus upon request, even if it’s off cycle. Here’s the list:

Amex

You can call Amex at 1-800-874-2717 to get your balance updated off-cycle. The update will take up to 5 business days to be completed.

Bank Of America

You can call Bank Of America to get your balance updated off cycle. The update will take up to 48 hours to be completed. Call Bank Of America at 1-800-421-2110 and ask to talk to the credit bureau reporting department, then ask to speak to a manager/underwriter to submit your off-cycle request.

Chase

You can call Chase at 1-888-682-8361 to get your balance updated off-cycle. The update will take up to 48 hours to be completed. If you pay your balance to zero, Chase will automatically update your report within 48 hours (even without calling).

Citi

You can try to fax Citi at 1-866-713-5028 to request your balance be updated off-cycle. The update will happen when Citi decides to do it.

Capital One

Some have been successful in getting a balance update off cycle with Capital One by requesting a supervisor to submit an off-cycle request.

Discover

You can call Discover at 1-800-347-3085 to get your balance updated off-cycle. The update will take up to 48 hours to be completed.

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