COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
Citi |
Chase |
Goldman Sachs
Apple
MC
Goldman Sachs |
Citi |
Chase |
Chase |
Chase |
Robinhood (Coastal Community Bank) | |
|---|---|---|---|---|---|---|---|---|
| Annual fee | $0 | $0 | $0 | $99 | $0 | $95 | $150 | $0 |
| Foreign txn fee | 0% | 0% | 0% | 0% | 3% | 0% | 0% | 0% |
| Rewards | Cash back | Amazon Rewards Points | Apple Daily Cash | American AAdvantage | Chase Ultimate Rewards | Marriott Bonvoy | United MileagePlus | Cash back |
| Credits (realistic / face) | $0 / $0 | $0 / $0 | $0 / $0 | $38 / $125 | $0 / $0 | $100 / $100 | $312 / $560 | $0 / $0 |
| Earning by category | ||||||||
| Everything else | 1% 1% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Dining & restaurants | 3% 3% | 2% 2x Amazon pts | 1% 1% | 3.3% 2x AA miles | 3% 3x Chase UR | 2.55% 3x Bonvoy | 2.7% 2x United miles | 3% 3% |
| Food delivery apps | 3% 3% | 2% 2x Amazon pts | 1% 1% | 3.3% 2x AA miles | 3% 3x Chase UR | 2.55% 3x Bonvoy | 2.7% 2x United miles | 3% 3% |
| Groceries (supermarkets) | 1% 1% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 2.55% 3x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Online grocery / delivery | 1% 1% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 2.55% 3x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Amazon.com | 1% 1% | 5% 5x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Whole Foods Market | 1% 1% | 5% 5x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 2.55% 3x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Drugstores & pharmacies | 1% 1% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 3% 3x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Gas stations | 4% 4% | 2% 2x Amazon pts | 1% 1% | 3.3% 2x AA miles | 1.5% 1.5x Chase UR | 2.55% 3x Bonvoy | 1.35% 1x United miles | 3% 3% |
| EV charging | 4% 4% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Travel (general) | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Airfare (booked direct) | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Hotels (booked direct) | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 2.7% 2x United miles | 3% 3% |
| Vacation rentals | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Rental cars | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Cruises | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Transit | 3% 3% | 2% 2x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Rideshare | 3% 3% | 2% 2x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Parking & tolls | 3% 3% | 2% 2x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Issuer travel portal | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 5% 5% |
| Online travel agencies | 3% 3% | 1% 1x Amazon pts | 1% 1% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Mobile wallet in-store | 1% 1% | 1% 1x Amazon pts | 2% 2% | 1.65% 1x AA miles | 1.5% 1.5x Chase UR | 1.7% 2x Bonvoy | 1.35% 1x United miles | 3% 3% |
| Protections | ||||||||
| rental car | secondary | secondary | — | none | secondary | secondary | primary | secondary |
| cell phone | — | — | — | — | — | — | — | — |
| purchase protection | — | 120 days (90 for NY), up to $500 per item / $50,000 per account; secondary to other insurance | — | — | 120 days from purchase, up to $500 per item / $50,000 per account (90 days for NY residents) | 120 days (90 days NY), up to $500 per item against damage or theft | 120 days, up to $10,000 per item (90 days for NY residents) | Up to $10,000 per claim |
| extended warranty | +2 years | +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 | — | — | +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total) | +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total) | +1 year on warranties of 3 years or less | +1 year |
| trip cancellation | — | — | — | — | Up to $1,500 per covered traveler / $6,000 per trip for pre-paid, non-refundable passenger fares | — | Up to $1,500 per traveler / $6,000 per trip | Up to $10,000 |
| trip delay | — | — | — | — | — | Up to $500 per covered traveler when a common-carrier trip is delayed 12+ hours or requires an overnight stay | Up to $500 per traveler after 12 hours or overnight delay | — |
| baggage delay | — | Up to $100/day for up to 3 days after a 6-hour checked-bag delay | — | — | — | Up to $100/day for up to 5 days when checked baggage is delayed 6+ hours | Up to $100/day for 3 days after 6 hours | — |
| return protection | — | — | — | — | — | — | — | — |
| Benefits | ||||||||
| No foreign transaction fees | ✓ No foreign transaction fees | ✓ No foreign transaction fees | ✓ No foreign transaction fees | ✓ No foreign transaction fees | — | ✓ No foreign transaction fees | ✓ No foreign transaction fees | ✓ No foreign transaction fees |
| Other | ✓ Rewards paid once a year as a certificate (February) redeemable at Costco for cash or merchandise | ✓ Prime Card Bonus: 10% back or more on rotating Amazon.com items | ✓ Daily Cash lands in Apple Cash / savings account daily | — | ✓ Chase Offers | ✓ 15 Elite Night Credits every calendar year + 1 per $5,000 spent | ✓ Award flight discounts | ✓ Cash back deposits into Robinhood; requires Gold membership |
| Extended warranty | ✓ Extended warranty +2 years on eligible items | ✓ Extended warranty | — | — | ✓ Extended warranty protection | ✓ Extended warranty protection | ✓ Extended warranty | — |
| No annual fee | ✓ No annual fee | ✓ No annual fee | ✓ No annual fee | — | ✓ No annual fee | — | — | ✓ No annual fee |
| Secondary rental car collision coverage | — | ✓ Auto rental collision damage waiver (secondary) | — | — | ✓ Auto rental collision damage waiver (secondary) | ✓ Auto rental collision damage waiver (secondary in U.S.) | — | — |
| Purchase protection | — | ✓ Purchase protection | — | — | ✓ Purchase protection | ✓ Purchase protection | ✓ Purchase protection | — |
| Travel accident insurance | — | ✓ Travel accident insurance | — | — | — | ✓ Travel accident insurance | — | — |
| Baggage delay insurance | — | ✓ Baggage delay insurance | — | — | — | ✓ Baggage delay insurance | ✓ Baggage delay insurance | — |
| Lost luggage reimbursement | — | ✓ Lost luggage reimbursement | — | — | — | ✓ Lost luggage reimbursement | ✓ Lost luggage reimbursement | — |
| Roadside assistance | — | ✓ Roadside dispatch (pay-per-use) | — | — | — | ✓ Roadside dispatch (pay-per-use) | — | — |
| Intro 0% APR | — | — | ✓ 0% Apple Card Monthly Installments on Apple products | — | ✓ 0% intro APR for 15 months | — | — | — |
| Free checked bag | — | — | — | ✓ First checked bag free on domestic itineraries (you + 4 companions) | — | — | ✓ First checked bag free | — |
| Priority boarding | — | — | — | ✓ Preferred boarding | — | — | ✓ Priority boarding | — |
| In-flight purchase discount | — | — | — | ✓ 25% back on inflight purchases | — | — | ✓ 25% back on United inflight and Club premium drink purchases | — |
| Airline elite status boost | — | — | — | ✓ Loyalty Points toward AAdvantage status | — | — | ✓ Earn PQP toward Premier status | — |
| Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.) | — | — | — | — | ✓ 6 months complimentary DashPass | ✓ 12 months complimentary DashPass + $10 off quarterly | ✓ Instacart+ membership | — |
| DoorDash/Grubhub/Instacart credit | — | — | — | — | ✓ $10 off quarterly non-restaurant DoorDash orders | — | ✓ $120 Instacart credit | — |
| Trip cancellation / interruption insurance | — | — | — | — | ✓ Trip cancellation / interruption insurance | — | ✓ Trip cancellation / interruption insurance | — |
| Transfer partners (airlines/hotels) | — | — | — | — | ✓ Pool points to Sapphire / Ink Preferred for transfers | ✓ Marriott Bonvoy airline transfers | — | — |
| Free credit score | — | — | — | — | ✓ Chase Credit Journey | ✓ Chase Credit Journey | — | — |
| Annual free night certificate | — | — | — | — | — | ✓ Annual Free Night Award (up to 35,000 points) | — | — |
| Hotel elite status | — | — | — | — | — | ✓ Automatic Marriott Bonvoy Silver Elite status; Gold at $35,000 spend | — | — |
| Trip delay reimbursement | — | — | — | — | — | ✓ Trip delay reimbursement | ✓ Trip delay reimbursement | — |
| Concierge service | — | — | — | — | — | ✓ Visa Signature Concierge | ✓ Visa Signature Concierge | — |
| Airport lounge access | — | — | — | — | — | — | ✓ 2 United Club one-time passes per year | — |
| Global Entry / TSA PreCheck / NEXUS credit | — | — | — | — | — | — | ✓ Global Entry / TSA PreCheck / NEXUS credit | — |
| Annual travel credit | — | — | — | — | — | — | ✓ $100 United TravelBank credit after $10,000 spend | — |
| Hotel statement credit | — | — | — | — | — | — | ✓ $100 United Hotels credit | — |
| Uber/Lyft credit | — | — | — | — | — | — | ✓ $60 rideshare credit | — |
| Primary rental car collision coverage | — | — | — | — | — | — | ✓ Primary rental car collision coverage | — |