ALREADY IN YOUR WALLET
More than a way to pay.
Explore the perks and protections that come with your cards.
Which card for which protection
| Rental car collision |
Costco Anywhere Visa — secondary
Prime Visa — secondary
Freedom Unlimited — secondary
Marriott Bonvoy Boundless — secondary
United Explorer — primary
Robinhood Gold — secondary
|
| Cell phone protection | none of your cards |
| Purchase protection |
Prime Visa — 120 days (90 for NY), up to $500 per item / $50,000 per account; secondary to other insurance
Freedom Unlimited — 120 days from purchase, up to $500 per item / $50,000 per account (90 days for NY residents)
Marriott Bonvoy Boundless — 120 days (90 days NY), up to $500 per item against damage or theft
United Explorer — 120 days, up to $10,000 per item (90 days for NY residents)
Robinhood Gold — Up to $10,000 per claim
|
| Extended warranty |
Costco Anywhere Visa — +2 years
Prime Visa — +1 year on U.S. manufacturer warranties of 3 years or less (max 4 years total); up to $10,000 per item / $50,000 per account
Freedom Unlimited — +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total)
Marriott Bonvoy Boundless — +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total)
United Explorer — +1 year on warranties of 3 years or less
Robinhood Gold — +1 year
|
| Return protection | none of your cards |
| Price protection | none of your cards |
| Trip cancellation / interruption |
Freedom Unlimited — Up to $1,500 per covered traveler / $6,000 per trip for pre-paid, non-refundable passenger fares
United Explorer — Up to $1,500 per traveler / $6,000 per trip
Robinhood Gold — Up to $10,000
|
| Trip delay |
Marriott Bonvoy Boundless — Up to $500 per covered traveler when a common-carrier trip is delayed 12+ hours or requires an overnight stay
United Explorer — Up to $500 per traveler after 12 hours or overnight delay
|
| Baggage delay |
Prime Visa — Up to $100/day for up to 3 days after a 6-hour checked-bag delay
Marriott Bonvoy Boundless — Up to $100/day for up to 5 days when checked baggage is delayed 6+ hours
United Explorer — Up to $100/day for 3 days after 6 hours
|
| Lost luggage |
Prime Visa — Up to $3,000 per covered traveler per trip (NY: $2,000/bag, $10,000/trip); $500 sub-limits for jewelry and electronics
Marriott Bonvoy Boundless — Up to $3,000 per covered traveler (NY residents: $2,000 per bag, $10,000 per trip)
United Explorer — Up to $3,000 per traveler ($2,000 per bag / $10,000 per trip for NY residents)
|
| Travel accident |
Costco Anywhere Visa — Up to $250,000
Prime Visa — Up to $500,000 common carrier / $100,000 24-hour accidental death & dismemberment
Marriott Bonvoy Boundless — Up to $500,000 accidental death or dismemberment (common carrier fare charged to the card)
Robinhood Gold — Up to $1,000,000
|
| Roadside assistance |
Prime Visa — Roadside dispatch, pay-per-use (24/7 US & Canada; tow up to 5 miles, jump, lockout, fuel delivery)
Marriott Bonvoy Boundless — Roadside dispatch (service fees billed to the card at time of dispatch)
|
Perks
Other · 12 cards
- Costco Anywhere Visa: Rewards paid once a year as a certificate (February) redeemable at Costco for cash or merchandise
- Prime Visa: Prime Card Bonus: 10% back or more on rotating Amazon.com items — Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com (limited-time, exclusions apply).
- Prime Visa: Amazon Day / No-Rush delivery bonus — Promotional: choose Amazon Day or No-Rush delivery at checkout on eligible items to earn an extra 1% (6% total) with Prime; boosted to 7-8% total around Prime Day / Prime Big Deal Days. Changing the shipping speed later forfeits it.
- Prime Visa: Travel and emergency assistance — Referral/coordination service (you pay for any services rendered).
- Prime Visa: Daily rewards posting — Rewards post daily (Sun-Fri) and are redeemable the same day; 100 points = $1 at Amazon.com checkout, cash back, gift cards, or Chase travel. Points do not expire while the account is open.
- Apple: Daily Cash lands in Apple Cash / savings account daily
- Apple: No fees of any kind (no late, foreign or annual fees)
- Freedom Unlimited: Chase Offers — Targeted merchant cash-back offers activated in the Chase app/website.
- Freedom Unlimited: Travel and emergency assistance services — Legal and medical referrals and other assistance while traveling (services are referral only; costs are the cardholder's).
- Marriott Bonvoy Boundless: 15 Elite Night Credits every calendar year + 1 per $5,000 spent — 15 Elite Night Credits deposited each calendar year (within 60 days of opening in year one), plus 1 additional Elite Night Credit for every $5,000 in purchases with no cap (posts within 8 weeks of month-end). Elite Night Credits post from only one Marriott personal card per year.
- United Explorer: Award flight discounts — Save 10% or more on United award flights booked with miles (Premier members save more), plus a 10,000-mile award flight discount after $20,000 in purchases in a calendar year (once per year; expires 12 months after issue).
- Robinhood Gold: Cash back deposits into Robinhood; requires Gold membership
No foreign transaction fees · 7 cards
- Costco Anywhere Visa: No foreign transaction fees
- Prime Visa: No foreign transaction fees — Foreign transaction fee: None.
- Apple: No foreign transaction fees
- AAdvantage Platinum Select: No foreign transaction fees
- Marriott Bonvoy Boundless: No foreign transaction fees
- United Explorer: No foreign transaction fees
- Robinhood Gold: No foreign transaction fees
Extended warranty · 5 cards
- Costco Anywhere Visa: Extended warranty +2 years on eligible items
- Prime Visa: Extended warranty — +1 year on eligible U.S. warranties of 3 years or less; $10,000 per item, $50,000 per account.
- Freedom Unlimited: Extended warranty protection — +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total)
- Marriott Bonvoy Boundless: Extended warranty protection — Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less (up to four years total).
- United Explorer: Extended warranty — Extends U.S. manufacturer warranties of 3 years or less by 1 additional year.
No annual fee · 5 cards
- Costco Anywhere Visa: No annual fee
- Prime Visa: No annual fee — Annual fee: None (Chase pricing & terms).
- Apple: No annual fee
- Freedom Unlimited: No annual fee
- Robinhood Gold: No annual fee
Purchase protection · 4 cards
- Prime Visa: Purchase protection — 120 days, $500 per item, $50,000 per account.
- Freedom Unlimited: Purchase protection — 120 days from purchase, up to $500 per item / $50,000 per account (90 days for NY residents)
- Marriott Bonvoy Boundless: Purchase protection — Covers eligible new purchases for 120 days (90 days for NY residents) against damage or theft, up to $500 per item.
- United Explorer: Purchase protection — 120 days, up to $10,000 per item.
Baggage delay insurance · 3 cards
- Prime Visa: Baggage delay insurance — $100/day up to 3 days after a 6-hour delay.
- Marriott Bonvoy Boundless: Baggage delay insurance — Up to $100 a day for up to 5 days for essential purchases when checked baggage is delayed more than 6 hours.
- United Explorer: Baggage delay insurance — Up to $100/day for 3 days after a 6+ hour delay.
Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.) · 3 cards
- Freedom Unlimited: 6 months complimentary DashPass — 6 months of complimentary DoorDash DashPass (also covers Caviar; $0 delivery fees on eligible orders). Activate by 2027-12-31; auto-renews at then-current rate after the promo period.
- Marriott Bonvoy Boundless: 12 months complimentary DashPass + $10 off quarterly — 12 months of DashPass (DoorDash and Caviar) when first activated with this card by 12/31/2027; auto-renews at the then-current rate unless cancelled. Also up to $10 off one non-restaurant DoorDash order each quarter through 12/31/2027 - a checkout discount, not a Chase statement credit.
- United Explorer: Instacart+ membership — 3 months of complimentary Instacart+, then 25% off the annual rate through 12/31/2027.
Lost luggage reimbursement · 3 cards
- Prime Visa: Lost luggage reimbursement — Up to $3,000 per covered traveler per trip.
- Marriott Bonvoy Boundless: Lost luggage reimbursement — Up to $3,000 per covered traveler for checked or carry-on luggage that is lost or damaged (NY residents: $2,000 per bag, $10,000 per trip).
- United Explorer: Lost luggage reimbursement — Up to $3,000 per traveler.
Secondary rental car collision coverage · 3 cards
- Prime Visa: Auto rental collision damage waiver (secondary) — Theft/collision reimbursement up to $60,000 on rentals up to 31 days; secondary in the US (primary only if you have no auto insurance), primary outside the US. Decline the rental company's CDW/LDW.
- Freedom Unlimited: Auto rental collision damage waiver (secondary) — Reimbursement for theft and collision damage on most rental vehicles when the rental company's CDW is declined and the full rental is charged to the card; secondary to personal insurance in the U.S.
- Marriott Bonvoy Boundless: Auto rental collision damage waiver (secondary in U.S.) — Reimbursement for theft and collision damage on most rental vehicles when you decline the rental company's CDW and pay with the card; secondary to personal auto insurance in the U.S.
Airline elite status boost · 2 cards
- AAdvantage Platinum Select: Loyalty Points toward AAdvantage status
- United Explorer: Earn PQP toward Premier status — 1 Premier Qualifying Point per $20 spent, up to 1,000 PQP per calendar year.
Concierge service · 2 cards
- Marriott Bonvoy Boundless: Visa Signature Concierge — 24/7 complimentary concierge for dining, tickets and travel planning; cardmember pays for any goods or services.
- United Explorer: Visa Signature Concierge — 24/7 complimentary concierge service.
DoorDash/Grubhub/Instacart credit · 2 cards
- Freedom Unlimited: $10 off quarterly non-restaurant DoorDash orders — Up to $10 off one non-restaurant (grocery, convenience, retail) DoorDash order per quarter through 2027-12-31. Applied as a DoorDash promo, not a statement credit.
- United Explorer: $120 Instacart credit — $10 per month through 12/31/2027.
Free checked bag · 2 cards
- AAdvantage Platinum Select: First checked bag free on domestic itineraries (you + 4 companions)
- United Explorer: First checked bag free — Primary cardmember and one companion on the same reservation each check a first standard bag free on United/United Express flights (up to $200 per roundtrip) when the ticket is bought with the card.
Free credit score · 2 cards
- Freedom Unlimited: Chase Credit Journey — Free credit score and monitoring via Experian.
- Marriott Bonvoy Boundless: Chase Credit Journey — Free credit score and monitoring alerts.
In-flight purchase discount · 2 cards
- AAdvantage Platinum Select: 25% back on inflight purchases
- United Explorer: 25% back on United inflight and Club premium drink purchases — Statement credit for food, beverages and Wi-Fi on United-operated flights and premium drinks in United Clubs; posts within 24 hours.
Intro 0% APR · 2 cards
- Apple: 0% Apple Card Monthly Installments on Apple products
- Freedom Unlimited: 0% intro APR for 15 months — 0% intro APR for 15 months from account opening on purchases and balance transfers, then 18.24%-29.99% variable (issuer page, 2026-09). Balance transfer fee: greater of $5 or 3% in the first 60 days, then greater of $5 or 5% (Bankrate).
Priority boarding · 2 cards
- AAdvantage Platinum Select: Preferred boarding
- United Explorer: Priority boarding — Primary cardmember and companions on the same reservation board in Group 2 on United flights.
Roadside assistance · 2 cards
- Prime Visa: Roadside dispatch (pay-per-use) — 24/7 dispatch in the US and Canada; you pay a pre-negotiated per-service fee.
- Marriott Bonvoy Boundless: Roadside dispatch (pay-per-use) — 24/7 dispatch for towing, jump starts, lockouts; service fees are billed to the card at the time of dispatch.
Transfer partners (airlines/hotels) · 2 cards
- Freedom Unlimited: Pool points to Sapphire / Ink Preferred for transfers — Earns Chase Ultimate Rewards points (marketed as cash back at 1 cent each). On their own they cannot be transferred; move them to a Sapphire Preferred/Reserve or Ink Preferred account to unlock airline/hotel transfer partners and boosted portal value.
- Marriott Bonvoy Boundless: Marriott Bonvoy airline transfers — Marriott Bonvoy points transfer to 40+ airline programs at 3:1 (Upgraded Points); a 5,000-mile bonus for every 60,000 points transferred improves the effective rate to about 2.4:1 (The Points Guy).
Travel accident insurance · 2 cards
- Prime Visa: Travel accident insurance — Up to $500,000 common-carrier AD&D when the fare is charged to the card.
- Marriott Bonvoy Boundless: Travel accident insurance — Up to $500,000 accidental death or dismemberment coverage when air, bus, train or cruise fare is charged to the card.
Trip cancellation / interruption insurance · 2 cards
- Freedom Unlimited: Trip cancellation / interruption insurance — Up to $1,500 per covered traveler / $6,000 per trip for pre-paid, non-refundable passenger fares
- United Explorer: Trip cancellation / interruption insurance — Up to $1,500 per traveler / $6,000 per trip.
Trip delay reimbursement · 2 cards
- Marriott Bonvoy Boundless: Trip delay reimbursement — Up to $500 per covered traveler for unreimbursed expenses such as meals and lodging when a common-carrier trip is delayed more than 12 hours or requires an overnight stay.
- United Explorer: Trip delay reimbursement — Up to $500 per traveler when a common carrier is delayed 12+ hours or overnight.
Airport lounge access · 1 card
- United Explorer: 2 United Club one-time passes per year — Two United Club one-time passes each anniversary year (over $100 value). Since the 2025 refresh the primary cardmember or an authorized user must be present to use them.
Annual free night certificate · 1 card
- Marriott Bonvoy Boundless: Annual Free Night Award (up to 35,000 points) — One Free Night Award each account anniversary year after the annual fee posts (allow up to 8 weeks); valid for a one-night stay in a standard room at a property with a redemption level up to 35,000 points; can be combined with up to 25,000 Bonvoy points for a higher-category hotel; expires 12 months after issuance (marriott.chase.com/boundless/benefits).
Annual travel credit · 1 card
- United Explorer: $100 United TravelBank credit after $10,000 spend
Global Entry / TSA PreCheck / NEXUS credit · 1 card
- United Explorer: Global Entry / TSA PreCheck / NEXUS credit — Up to $120 every 4 years.
Hotel elite status · 1 card
- Marriott Bonvoy Boundless: Automatic Marriott Bonvoy Silver Elite status; Gold at $35,000 spend — Silver Elite granted each calendar year: 10% Elite bonus points on stays, priority late checkout (based on availability), complimentary Wi-Fi. Gold Elite status after $35,000 in purchases in a calendar year (25% bonus points, 2 p.m. late checkout, enhanced room upgrades; posts within 8 weeks).
Hotel statement credit · 1 card
- United Explorer: $100 United Hotels credit — $50 back on each of the first two prepaid United Hotels stays per anniversary year.
Primary rental car collision coverage · 1 card
- United Explorer: Primary rental car collision coverage — Primary coverage up to $60,000 for theft and collision when you decline the rental company's CDW and pay with the card (secondary inside the U.S. for NY residents).
Uber/Lyft credit · 1 card
- United Explorer: $60 rideshare credit — $5 per month; annual enrollment required.