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Chase Sapphire Offer Details:

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10,000 bonus points after first purchase

You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Existing cardmembers/accounts are not eligible for this bonus offer.

Pay yourself back

You can redeem points or rebates to apply to purchase(s) made within 60 days of the redemption date. Points redemptions start at 2,500 points for a $25 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law, and in 100-point increments for each additional $1 of credit. Rebate redemptions start at $25 in rebates for a $25 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law. Redemptions may be made in additional $1 rebate increments for each additional $1 of credit. Statement credits will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.

Earn one point for every one dollar you spend

You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.

Up to 10 bonus points when you shop the Ultimate Rewards Mall

To use the Ultimate Rewards Mall, you must log into your account at www.chase.com. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.

Travel, Protection & Security Benefits

Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

Zero Liability

U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.

No pre-set spending limit

No pre-set spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history and your experience with other creditors. Your minimum payment calculation each month will include any amount over your revolving credit access line. Please see your Cardmember Agreement for complete details. We reserve the right to decline an authorization request for any transaction at any time for any reason. We also may request additional information from you at any time to evaluate a transaction request or your use of the Account generally.

Cash at more than 1,000.000 ATMs

Daily and transaction limits apply to ATMs.

Blueprint Features

If an account is opened, visit chase.com to register your account for online access and learn more about the Blueprint features.

 

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Chase Sapphire Preferred Offer Details:

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$85 annual fee, waived the first year.

Please see Pricing & Terms for complete details about rates, fees, and other costs.

Earn 15,000 bonus points after you spend $1,000 in the first 3 months

You will receive 15,000 bonus points with this bonus offer. To qualify and receive your bonus, you must make qualifying transactions totaling $1000 or more during the first 3 months from account opening. Qualifying transactions include purchases, balance transfers, and any checks that are used to access your account, and exclude cash advances. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Existing cardmembers/accounts are not eligible for this bonus offer.

1:1 Transfer and Travel Rewards

Restrictions and limitations apply. See Rewards Program Redemption Rules which will be mailed after your account is established.

Earning points and 7% Annual Points Dividend

You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. You will receive a yearly bonus of 7% of all points you earned in the previous Year. ("Year" means, for your first year as a cardmember, the period beginning with your enrollment date through your December statement date of that same year. For each year thereafter, "Year" means the twelve month period beginning the day after your December statement date through your December statement date of the next year). Your bonus will appear on your January or February billing statement. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations for details.

Up to 10 bonus points when you shop the Ultimate Rewards Mall

To use the Ultimate Rewards Mall, you must log into your account at chase.com. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.

Travel. Protection & Security Benefits

Certain restrictions, limitations, and exclusions apply. Please see your Guide to Benefits for details.

Zero Liability

U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.

No pre-set spending limit

No pre-set spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history and your experience with other creditors. Your minimum payment calculation each month will include any amount over your revolving credit access line. Please see your Cardmember Agreement for complete details. We reserve the right to decline an authorization request for any transaction at any time for any reason. We also may request additional information from you at any time to evaluate a transaction request or your use of the Account generally.

Cash at more than 1,000,000 ATMs

Daily and transaction limits apply to ATMs.

Blueprint Features

If an account is opened, visit chase.com to register your account for online access and learn more about the Blueprint features.

 

Chase SapphireTo apply for Chase Sapphire, call 1-877-697-5422

A suite of complimentary benefits, built right in.

No annual fee + 10,000 points after your first purchase.*
Chase Sapphire
Get The Card
*OFFER DETAILS
†PRICING & TERMS

Travel Benefits*

Trip Cancellation Insurance

Offers reimbursement for travel due to covered cancellations, losses and emergencies when you purchase tickets with Chase Sapphire.

Auto Rental Collision Damage Waiver

Receive coverage for covered damage due to collision or theft up to the actual cash value of most rental vehicles. Remember to charge your entire rental transaction to your Chase Sapphire card and decline the rental company's collision damage waiver.

Travel Accident Insurance

Receive coverage for covered common carrier accidental death or dismemberment when you charge your travel fare on your Chase Sapphire credit card.

Trip Delay

When a covered trip is delayed more than 12 hours due to a covered event, expenses incurred as a result of the delay, such as meals and lodging, are reimbursed.

Lost Luggage Reimbursement

Carry-on or checked luggage may be covered if lost or stolen when you purchase your common carrier ticket with your Chase Sapphire credit card.

Baggage Delay

If your checked bags are delayed for a period of 18 hours or more by a common carrier, you will be reimbursed for the emergency purchase of covered essential items.

Travel and Emergency Services

Get help coordinating medical, legal and travel services while you're away from home.

Roadside Dispatch

Referral service for convenient towing and locksmith services in the U.S. and Canada are available 24/7.

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Chase Sapphire

Chase SapphireSM

No annual fee†, plus
unlimited points and rewards.*
 

Get Chase Sapphire

Chase Sapphire PreferredSM ††

All the benefits of Chase Sapphire, plus enhanced benefits and earning potential.**

Get Chase Sapphire Preferred
Earn one point for every $1 you spend on the card    
Points worth 25% more when used to book flights through Ultimate RewardsSM    

Ultimate RewardsSM

Redeem for travel, merchandise, gift cards, cash back or Pay Yourself Back with points.

    
Transfer points at full value (1:1) to the industry's top frequent flyer and hotel programs.    
Points never expire    
No limits on how many points you can earn    
New cardmember bonus 10,000 bonus points Earn 15,000 bonus points after you
spend $1,000 with your new card
2:1 earn on airfare booked through Ultimate Rewards    
Up to 10 bonus points per dollar when you shop online at the Ultimate Rewards Mall    
7% annual dividend on all new points earned. That means more points on all the points you earn each year. Applicable to accounts opened on or after 12/1/2009.    

BlueprintSM

Complimentary set of features to help you manage your finances—on your terms.		    
Additional cards for authorized users Complimentary Complimentary
No Annual Fee   $85 annual fee, waived the first year.
 
Get Chase Sapphire
*OFFER DETAILS
†PRICING & TERMS
Get Chase Sapphire Preferred
**OFFER DETAILS
††PRICING & TERMS
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Download Chase Sapphire Benefits Guide

PRESENTING CHASE SAPPHIRESM

ULTIMATE REWARDSSM

Chase Sapphire with Ultimate Rewards
Our premier rewards program lets you earn points every time you use your Chase Sapphire card. Redeem for virtually any reward you can think of—without expiration dates, blackout dates or limits to what you can earn.

You'll earn:

  • One point for every dollar you spend on the card*
  • Double points on airfare purchased through the Travel Booking Tool*
  • Up to 10 bonus points per dollar when you shop online at over 300 of your favorite merchants featured at the Ultimate Rewards Mall*

Gift Cards
With as few as 2,500 points, redeem for gift cards from your favorite retailers, including The Home Depot®, Macy's and many others.

Merchandise
Redeem for rewards at any point value and enjoy real-time access to millions of products, from music downloads to HDTVs.

Airfare

  • No Blackout Dates or Travel Restrictions
    Use your points for airline tickets on most major airlines, any class, anywhere. If a seat is available, it's yours.
  • Book Flights on Most Major Airlines
    for the same low price you'd find on the open market.
  • Pay With Your Chase Card, Your Points or Both—
    flights are shown with point and dollar values so you can choose how many points you want to use.
  • Earn Double Points
    when you use your card to purchase flights through the online Travel Booking Tool.
  • Trip Cancellation Insurance
    offers reimbursement for travel due to covered cancellations, losses and emergencies when you purchase tickets with Chase Sapphire.

Online Travel Booking Tool

From flights to hotels to rental cars, now you can create your entire travel itinerary 24/7 on one powerful and easy-to-use website.

More Travel Rewards

Hotels, Getaways & Car Rentals
In addition to booking flights, you can research and reserve over 60,000 hotels and resorts worldwide, plus car rentals, airport parking and thousands of travel getaways—from top cruises to adventure travel.

Gift Cards & Certificates
Redeem for airline, car rental, hotel and cruise certificates starting at only 2,500 points.

Entertainment

Soar in a hot air balloon. Play with the world's friendliest creatures at an ocean theme park. Watch a spectacular show in Las Vegas. Experience amazing entertainment.

Chase Sapphire Exclusive Experiences
Enjoy access to extraordinary travel opportunities and once-in-a-lifetime events available to Chase Sapphire cardmembers, including VIP passes to the Food & Wine Classic in Aspen and fashion week.

Dining

With Ultimate Rewards, reserving a table at a great restaurant is a piece of cake. Simply log on to the Ultimate Rewards website and search by cuisine, city, neighborhood and price.

Reviews & Reservations
You can read Zagat® ratings and reviews—and book your table at over 10,000 restaurants worldwide through OpenTable®. Your reservation is free and instantly confirmed.

Gift Cards
Pick a card and treat yourself to dinner. Rewards are available starting at $25 for 2,500 points.

Cash Back

Pay Yourself Back
With Pay Yourself Back, you can turn points into any reward, anytime. Guaranteed. For example, if you can't find the flight or hotel you want with the Ultimate Rewards travel tool—or if you find something special in a boutique that you love—simply buy it with your card. Then, within the next 60 days, use your points to Pay Yourself Back with a credit to your statement. Credits begin at 2,500 points for $25.

Cash Back
Use points to redeem for a cash-back Rewards Check. Rewards Checks start at 5,000 points for $50.

BLUEPRINTSM

Chase Sapphire comes with Blueprint, a unique set of features that lets you manage your finances—on your terms. Design your plan and see progress on every statement.*

Full Pay

Pay everyday purchases in full each month without interest. We'll separate them out on your statement so you can pay them in full each month.

Split

Pay off larger purchases over time. Set an end date or monthly payment amount. See your plan separated on your statement.

Finish It

Pay down your balance faster. Choose an end date or monthly amount. We do the math and set up the plan.

Track It

See your spending trends at a glance and track your progress against goals.

 

PERSONALIZED SERVICE

24/7 Dedicated Customer Service. Guaranteed.
For direct access to a real person, just call the number on the back of your card. You'll be connected to a Chase Sapphire customer service advisor immediately—without pressing "#." Guaranteed.

Chase Global LifeLineSM
Whether you're traveling within the U.S. or abroad, emergency service assistance—including Emergency Card Replacement and Cash Access—is available to you around-the-clock.

Concierge
Chase Sapphire comes with a complimentary concierge service. Call anytime, 24/7, and a personal concierge can give you recommendations on restaurant reservations and entertainment, and even help you select the perfect gift.

Online Account Management
Managing your Chase Sapphire account online is a convenient and secure way to take advantage of your benefits. View account activity, set up account alerts, check your rewards point balance, enroll in paperless statements and add additional cardmembers—all online.

 

TRAVEL BENEFITS*

Trip Cancellation Insurance
Offers reimbursement for travel due to covered cancellations, losses and emergencies when you purchase tickets with Chase Sapphire.

Travel and Emergency Services
Get help coordinating medical, legal and travel services while you're away from home.

Travel Accident Insurance
Receive coverage for covered common carrier accidental death or dismemberment when you charge your travel fare on your Chase Sapphire credit card.

Trip Delay
When a covered trip is delayed more than 12 hours due to a covered event, expenses incurred as a result of the delay, such as meals and lodging, are reimbursed.

Lost Luggage Reimbursement
Carry-on or checked luggage is covered if lost or stolen when you purchase your common carrier ticket with your Chase Sapphire credit card.

Baggage Delay
If your checked bags are delayed for a period of 18 hours or more by a common carrier, you will be reimbursed for the emergency purchase of covered essential items.

Roadside Dispatch
Referral service for convenient towing and locksmith services in the U.S. and Canada are available 24/7.

Auto Rental Collision Damage Waiver
Receive coverage for covered damage due to collision or theft up to the actual cash value of most rental vehicles. Remember to charge your entire rental transaction to your Chase Sapphire card and decline the rental company's collision damage waiver.

PROTECTION & SECURITY BENEFITS*

Identity Theft Protection
If you've been a victim of fraud or identity theft, Chase Sapphire provides assistance and reimbursement for the covered costs incurred in correcting your identity.

Zero Liability*
You will not be held accountable for any unauthorized purchases made with your Chase Sapphire card.

Purchase Protection
Eligible items of personal property will be replaced, repaired or reimbursed within ninety (90) days from the date of purchase due to covered reasons.

Extended Warranty Protection
Extend the length of the free repair period under the original manufacturer's U.S. warranty up to one additional year on eligible warranties of three years or less.

Price Protection
Receive a refund of the difference between the price you paid for an item on the card and a subsequent covered lower advertised price for the same item within the first 90 days of purchase.

Return Protection
If a retailer will not accept a return within the first 90 days of purchase, you can get reimbursed for the cost of an item purchased on your card.

 

FINANCIAL FLEXIBILITY*

Blueprint
Your card comes with Blueprint, a unique set of features that lets you manage your finances—on your terms. With it you can design plans to pay everyday purchases in full each month without interest, pay off larger purchases over time, pay down your balance faster and see your spending trends at a glance.*

Global Acceptance
The Chase Sapphire credit card has unsurpassed acceptance in more than 170 countries, as well as online with Internet merchants. Plus, the card lets you get cash at more than 1,000,000 ATMs* (automated teller machines) in our Global ATM Network.*

No Pre-Set Spending Limit*
With no pre-set spending limit, you have the purchasing power to get what you need, whenever you need it. Plus, if you prefer to pay off purchases over time, you may carry a balance up to your credit access line.

Year-End Summary
Your year-end summary organizes all your previous year's transactions into categories by purchase type. So you can track spending and file tax returns easily.

Add Additional Cards
Share your benefits with others and earn additional points on their spending. To request additional cards at no additional cost, log in to your online account or call the Chase Sapphire Dedicated Service Line and we'll gladly assist you.

Automatic Monthly Payment
No need to miss a payment or write out a check every month. Pay off the full balance, or make the minimum payment automatically from your bank account.

Choice of Payment Due Date
If your originally scheduled payment date is inconvenient, change it to a date that better suits you. To change your payment date, log in to your online account or call the Chase Sapphire Dedicated Service Line and we'll gladly assist you.

Get Chase Sapphire
*OFFER DETAILS
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Explore the Ultimate RewardsSM program.

Our premier program is designed to give you rewards you really want—and make getting them a reward in itself.

  • Points never expire
  • There's no limit to what you can earn
  • There are no travel restrictions or blackouts
  • Earn one point for every dollar you spend on the card*
  • Booking travel is easy with our online Travel Booking Tool

Roll over thesymbols for more information. Or click "Next" to start exploring the rewards.

Earn points for every purchase

You'll earn one point for every dollar you spend on the card and double points on airfare purchases through the Travel Booking Tool.*

Travel without limits

Find the flight you want, any class, any destination—if a seat is available, it's yours. From arifare to hotels to car rental and more, you can create the perfect trip.

Dining & entertainment

Use your points for gift cards to your favorite restaurants, tickets to a movie or a theme park your whole family will enjoy.

Earn bonus points

Earn up to 10 bonus points per dollar when you shop online at over 300 of your favorite merchants featured at the Ultimate Rewards Mall.*

Rewarding experiences

Wine-tasting tours. Access to special events and performances. An invitation to swim with dolphins. Ultimate Rewards can turn an ordinary day into something to remember.

Great shopping

No matter what you want, chances are we have it. Choose from millions of exceptional products.

Bonus spotlight

Boost your points with bonus earning opportunities and offers. Find out how to make your points add up even faster.

Manage your rewards

Check your rewards activity at your own convenience. Ultimate Rewards keeps you in control.

Check your point balance

See your balance every time you log on, and watch your points add up to things you really want.

It's easy to redeem

1. Log on
2. Check your point balance
3. Choose your reward-even book travel
*OFFER DETAILS

Gift Cards

With as few as 2,500 points, redeem for gift cards from your favorite retailers, including The Home Depot®, Macy's and many others.

$25 gift card:2,500 points
$50 gift card:5,000 points
$100 gift card:10,000 points
View more shopping partners
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  • Bath & Body Works®
  • Best Buy®
  • Borders®
  • Brooks Brothers 
  • Crate & Barrel 
  • Exxon and Mobil 
  • Gap 
  • The Home Depot®
  • iTunes 
  • Kohl's®
  • Lands' End 
  • Lowe's®
  • Macy's 
  • Nordstrom 
  • Office Depot®
  • Pottery Barn®
  • Saks Fifth Avenue 
  • Sears 
  • Shell 
  • Target®

Merchandise

Redeem for rewards at any point value and enjoy real-time access to millions of products, from MP3 players and music to DVDs and HDTVs. Roll over the items in the image below for a small sampling of the millions of rewards available through Ultimate Rewards.

Kodak®

cameras

Calphalon®

kitchenware

Cuisinart®

kitchen accessories and appliances

Le Creuset®

cast iron cookware

Philips®

electronics

HP

products and technology

Schwinn®

bicycles, fitness equipment and motorsports

Airfare

  • No blackout dates or travel restrictions—Use your points for airline tickets on most major airlines, any class, anywhere. If a seat is available, it's yours.
  • Book flights on most major airlines for the same low price you'd find on the open market.
  • Pay with your Chase card, your points or both—flights are shown with point and dollar values so you can choose how many points you want to use.
  • Earn double points when you use your card to purchase flights through the online Travel Booking Tool.
  • Trip Cancellation Insurance offers reimbursement for travel due to covered cancellations, losses and emergencies when you purchase tickets with Chase Sapphire.

The Only Travel Site You Need

From flights to hotels to rental cars, now you can create your entire travel itinerary 24/7 on one powerful and easy-to-use website.

Booking travel is as easy as...

  • Visit our online
    Travel Booking tool
  • Search by date or destination
  • Compare options and make your selection
  • Book your trip using points, your card or a combination of both

Hotels, Getaways & Car Rentals

In addition to booking flights, you can research and reserve over 60,000 hotels and resorts worldwide, plus car rentals, airport parking and thousands of travel getaways—from top cruises to adventure travel.

Gift Cards & Certificates

Redeem for airline, car rental, hotel and cruise certificates starting at only 2,500 points.

View more travel partners
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  • Avis®
  • Best Western®
  • Budget®
  • Carnival Cruise Lines®
  • Continental Airlines 
  • Fairmont Hotels & Resorts 
  • Hertz 
  • Hyatt Hotels & Resorts®
  • Marriott® Hotels & Resorts
  • The Ritz-Carlton®
  • Royal Caribbean International®

Scroll through the images below for some sample travel getaways.

Travel Reward 1 Travel Reward 2 Travel Reward 3 Travel Reward 4 Travel Reward 5
Top cruises
Set sail on a 5-night cruise to the vibrant port cities and picturesque beaches of the eastern Caribbean. Or visit some of the most unspoiled islands in the southern Caribbean on a 7-night cruise.
Family getaways
Explore Yellowstone National Park and stay in the park’s most requested lodge. Make memories that will last a lifetime with a visit to a Southern California theme park. And discover Orlando’s amazing family-friendly retreats.
Adventure travel
Push your limits on an Alaskan multi-sport adventure, which includes rafting and dogsled rides. Take an exhilarating cycling trek through Oregon’s Cascade Mountains. Or go on a ski trip to Aspen, Colorado, that skiers of all levels will enjoy.
Popular destinations
Explore the cliff-side Mayan ruins of Tulum, Mexico. Stroll the cobblestone streets of Puerto Vallarta before retreating to your all-inclusive resort. Or simply stay in and enjoy your resort’s fine dining and entertainment.
Beach vacations
Unwind on a stretch of white sand in the Bahamas. Then relax in your ocean-view suite. Bask in the glow of a glorious Caribbean sunset. Or glide past coral reefs for your up-close look at rich marine life.

Entertainment

Soar in a hot air balloon. Play with the world's friendliest creatures at an ocean theme park. Watch a spectacular show in Las Vegas. Experience amazing entertainment. Here's just a taste:

SapphireSM
Exclusive Experiences

Enjoy access to extraordinary travel opportunities and once-in-a-lifetime events available to Chase Sapphire cardmembers, including VIP passes to the Food & Wine Classic in Aspen and fashion week.

Scroll through the images below for some entertainment and experience options.

Entertainment Reward 1 Entertainment Reward 2 Entertainment Reward 3
Exciting adventures
Get so close to the action at the Daytona 500 that you can touch the track. Whatever your speed, we’ve got hundreds of once-in-a-lifetime experiences.
Parks & attractions
Play with the world’s friendliest creatures at an ocean theme park. Head into the Everglades on an airboat. Wherever you venture, we’ll give you something to write home about.
Shows & concerts
Watch spectacular live performances and musical tributes in Las Vegas. Enjoy a show at the Carolina Opry in Myrtle Beach. We’ll put you front and center at top performances.

Dining

With Ultimate RewardsSM, reserving a table at a great restaurant is a piece of cake. Simply log on to the Ultimate Rewards website and search by cuisine, city, neighborhood and price.

Gift Cards

Pick a card and treat yourself to dinner. Rewards are available starting at $25 for 2,500 points.

$25 gift card:2,500 points
$50 gift card:5,000 points
$100 gift card:10,000 points
View more dining partners
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  • Chili's Grill & Bar®
  • Panera Bread®
  • Starbucks Coffee®
  • Ruth's Chris Steak House 
  • Olive Garden®

Reviews & Reservations

Zagat.com | OpenTable.com

You can read Zagat® ratings and reviews— and book your table at over 10,000 restaurants worldwide through OpenTable®. Your reservation is free and instantly confirmed.

Any flight. Any hotel. Any reward. Guaranteed.

Book or buy anything with your card and pay for it with points. That's the Pay Yourself Back guarantee.

With Pay Yourself Back, you can turn points into any reward, anytime. Guaranteed. For example, if you can't find the flight or hotel you want with the Ultimate Rewards travel tool—or if you find something special in a boutique that you love—simply buy it with your card. Then, within the next 60 days, use your points to Pay Yourself Back with a credit to your statement. Credits begin at 2,500 points for $25.

Cash Back:

Use points to redeem for a cash-back Rewards Check. Rewards Checks start at 5,000 points for $50.

$50 cash value:5,000 points
$100 cash value:10,000 points
$500 cash value:50,000 points

Ultimate RewardsSM

Redemption Rules and Disclosures

A. ULTIMATE REWARDS REDEMPTION RULES

Redemption Options: Redemptions made online do not have a service fee. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. We reserve the right, in our sole discretion, to determine the amount of the service fee, to waive the service fee, or to change the service fee without notice. Chase is not responsible for service fees charged when you redeem directly through a merchant.

Travel Restrictions: Ticket(s) may be purchased in any name designated by you; however, tickets will be mailed or e-mailed, as applicable, to your address. Paper tickets will be issued only when electronic ticketing is not available. Passenger facility charges, international entry or departure taxes and/or all fees, including baggage fees, are at traveler's expense. Rewards may be subject to local taxes and fees, which are at traveler's expense. Additional costs, such as rush charges and/or traceable overnight delivery of rewards, are at your expense. Standard age, driver and credit rental requirements apply to car rental rewards. Minimum rental age is 25 (exceptions apply). Certain blackout dates may apply to car rental and hotel rewards. You may not upgrade travel arrangements (including airfare, hotel reservations and car rentals) obtained by redeeming your points. For example, if you redeem for Coach Class airfare using your points, you may not upgrade the Coach Class ticket to a First Class ticket at the airport.

Airline Tickets: You may redeem points both online and through our toll-free number for an available airline ticket, where permitted by law. Redemptions may be made in 1-point increments for each $0.0125 incremental ticket value. For example, 20,000 points can be redeemed for a $250 airline ticket. If you want to book a ticket with a value greater than the redemption value of your points, the additional amount must be paid for using a Chase credit card.

Checks: Points may be redeemed for a check. See current redemption levels on the redemption website.

Statement Credits: Redemptions start at 2,500 points for a $25 statement credit to apply to any purchase made with your Chase credit card within 60 days of the request for a statement credit, where permitted by law. Beginning with 2,500 points, redemptions may be made in additional 100-point increments for each $1 statement credit. Statement credit will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.

Using Points for Booking Travel: Points may be redeemed for eligible items at the rate determined by the individual merchants, and may vary by merchant; any balance that remains due on a travel booking over the amount of your redemption must be paid for using a Chase credit card.

Merchandise, Gift Cards and Select Events: Redemption levels may vary and are listed in the Program Guide and online at the redemption website. Minimum redemption amounts may be required to redeem your points and may vary by merchant. We reserve the right to change redemption items offered in the Program at any time without notice. We may also offer additional redemption promotions from time to time; redemption items offered directly through merchants may have terms and conditions controlled by those merchants. Chase is not responsible for the provision of or failure to provide the stated benefits and services in promotions offered by these merchants.

Reward Restrictions: Redeemed rewards are not refundable, replaceable, or transferable for cash, credit, or other rewards under any circumstances. Lost, stolen or mutilated gift cards/gift certificates and checks will not be replaced. Redeemed rewards earned in the Program may not be re-sold or exchanged for other goods or services except as stated on the reward. Certain rewards are available only during the time periods described in the Program communications. We may substitute rewards of equal or greater value as necessary at our discretion. Some rewards have limited availability. Gift cards/gift certificates are valid at participating merchants only, through the expiration date, if any, as permitted by law. Merchants participating in the Program are subject to change. Gift cards/gift certificates and checks must be surrendered upon redemption and no photocopies will be honored. Gift cards/gift certificates have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash unless otherwise noted on the gift cards/gift certificates. Purchases in excess of the amount of the gift card/gift certificate are at the reward holder's expense. Use of any gift card/gift certificate or check is subject to any additional restrictions listed on the gift card/gift certificate or check. It is the reward holder's responsibility to review the terms and conditions of each merchant's gift cards/gift certificates. For all merchandise, gift certificate, gift card and attraction ticket rewards, all sales/use taxes, fees, surcharges, optional items, shipping and handling charges are the responsibility of the reward holder and will apply in accordance with the merchants' policies in effect at the time of redemption.

Reward Delivery: Delivery time of rewards redeemed depends upon your chosen reward. Some rewards cannot be shipped to PO Boxes or foreign addresses. Expedited delivery may be available upon request for an additional charge. Country of item's origin may change.

Points Transfer: Points may be transferred to participating partners' programs in fixed point increments as defined in the Program catalog. A points transfer fee may be charged based on a percentage of the number of points transferred. Any transferred points become subject to the terms and conditions of the respective partner's program. Once points are transferred, they may not be refunded, and the transaction cannot, under any circumstances, be reversed. Please allow 4-6 weeks for the points to appear in your partner program account.

Purchasing of Points: Points may be purchased in 1,000-point increments for a fee of $25, up to a maximum per month of 5,000 points and a $125 fee. Once purchased, points may not be returned for a cash refund, and the transaction cannot, under any circumstances, be reversed.

Miscellaneous: Any additional travel or accommodation arrangements made in connection with any reward are your sole responsibility. Points values for all rewards are effective March 31, 2009, and are subject to change without notice. Many redemptions are final; please check the applicable merchant's terms and conditions before you redeem. Point credits will not be issued for any cancelled travel arrangements or returned rewards. The listed merchants are in no way affiliated with Chase Bank USA, N.A., nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant's gift card/certificate/website for additional terms and conditions, which are subject to change at merchant's sole discretion, if permitted by law.

Rewards are subject to availability, and may be substituted with rewards of equal or greater value as necessary. Merchants participating in the Program are subject to change.

Spanish Assistance: Rewards brochures are currently only available in English. For information or help redeeming your rewards in Spanish, please call the toll-free number on the back of your credit card.

Asistencia en español: Los folletos de recompensas actualmente sólo se encuentran disponibles en inglés. Para mayor información o ayuda para redimir sus recompensas en español, por favor llame al número sin cargo que se encuentra en el reverso de su tarjeta de crédito.

B. Ultimate Rewards Mall Disclosure

Participating merchants and offers are subject to change without notice. Bonus Reward earnings restrictions may apply. For complete details, see the Ultimate Rewards Mall Supplement to your Rewards Program Rules and Regulations, which can be found by logging on to www.chase.com/ultimaterewards. The online merchants mentioned are neither sponsors of nor affiliated with the Ultimate Rewards Mall program and are not responsible for any aspect of the program, including reward fulfillment. All marks used with permission of their respective owners.

C. Partners

Avis® Rental Certificate Avis services will be based upon the regular Avis rates in effect at the time and location where you present the rental certificate. Renter must meet Avis age, driver and credit requirements. Certificates must be surrendered at time of rental check-out. Other terms and conditions, which are listed on the certificate, may apply. Please read the certificate upon receipt. For reservations, visit www.avis.com or call 800-331-1212 in the United States. Avis Flat dollar certificates (i.e. $25, $50 or $100 Certs) are a global product available at participating locations worldwide. Contact 888-439-0632 for Avis customer service inquiries.

Bath & Body Works® Gift Card Bath & Body Works® is not a sponsor of this promotion and is not affiliated with Chase Bank USA, N.A. The Bath & Body Works® name and logo are registered trademarks of Bathco, Inc.

Best Buy® Gift Card BEST BUY® is not affiliated with Chase Bank USA, N.A. Best Buy does not sponsor, endorse, approve or have any responsibility for this promotion. BEST BUY and the BEST BUY logo are trademarks of Best Buy Enterprise Services, Inc.

Best Western Travel Card® Best Western International, Inc. is not a sponsor/co-sponsor of this program and is not affiliated with Chase Bank USA, N.A. See www.travelcard.bestwestern.com for Travel Card terms and conditions. The Best Western name and logo are service marks or registered service marks of Best Western International, Inc. Each Best Western hotel is independently owned and operated. All rights reserved.

Borders® and Waldenbooks® Gift Card Borders® is not a sponsor of this promotion/program. See back of gift card for complete terms and conditions, which are subject to change at Borders/Waldenbooks' sole discretion. ©2009 Borders, Inc.

Budget® Rental Certificate Budget services will be based upon the regular Budget rates in effect at the time and location where you present the rental certificate. Renter must meet Budget age, driver and credit requirements. Other terms and conditions, which are listed on the certificate, may apply. Please read the certificate upon receipt. For reservations, visit www.budget.com or call 800-527-0700 in the U.S. Budget Flat dollar certificates (i.e. $25, $50 or $100 Certs) are a global product and available at participating locations worldwide. Contact 800-826-3409 for Budget customer service inquiries.

Chili's Grill & Bar® Chili's Grill & Bar® is not a sponsor of this promotion and is not affiliated with Chase Bank USA, N.A.

Crate and Barrel Shop Card Crate and Barrel is not a participating partner in or sponsor of this offer. Terms and conditions are applied to Gift Cards and Shop Cards.

Darden Restaurants®, Inc. Darden Restaurants®, Inc. (Red Lobster®, Olive Garden®, LongHorn® Steakhouse, Bahama Breeze®) is not affiliated with Chase Bank USA, N.A. Darden Restaurants is not a sponsor or co-sponsor of this program. Use of our restaurant names, logos or trademarks requires written approval from Darden Restaurants, Inc. See backside of gift card for additional terms and conditions or visit www.dardenrestaurants.com/legal.asp.

ExxonMobil Gift Card Exxon Mobil Corporation is not a sponsor or co-sponsor of this promotion. The Exxon and Mobil logos are registered trademarks of Exxon Mobil Corporation or one of its subsidiaries. ExxonMobil Gift Cards are issued and sold by SVM, an Illinois Limited Partnership.

Fairmont Hotels & Resorts Gift Certificates Fairmont Hotels & Resorts Gift Certificates are not replaceable if lost, stolen or destroyed. Fairmont Hotels & Resorts Gift Certificates may not be valid where restricted by law. Fairmont Hotels & Resorts Gift Certificates are not redeemable for cash and are void if sold for cash or other consideration. Any tax liability, including disclosure, connected with receipt or use of this certificate is the recipient's responsibility. Locations listed on certificate are subject to change without notice. Certificates are fully transferable and combinable.

Hertz Check Voucher To check participating locations and make advance reservations, call 1-800-654-2210. Renter must meet Hertz age, driver and credit qualifications in effect at time and place of rental. Please refer to voucher for additional terms and conditions.

The Home Depot® Gift Card The Home Depot® is not a sponsor of this promotion. Chase Bank USA, N.A. is not affiliated with The Home Depot®. The Home Depot® is a registered trademark of Homer TLC, Inc.

iTunes Gift Card Apple Inc. is not a sponsor of this program/promotion. iTunes is a registered trademark of Apple Inc. See back of card for terms and conditions of use.

Kohl's® Gift Card Kohl's® is not a sponsor of this promotion and is not affiliated with Chase Bank USA, N.A. KOHL'S® and KOHL'S® brand names are trademarks of Kohl's Illinois, Inc.

Lowe's® Gift Card Lowe's® is not affiliated with Chase Bank USA, N.A. LOWE'S® and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC.

Macy's Gift Card Macy's is not a sponsor or co-sponsor of this program. Macy's Terms & Conditions apply to all cards. See back of card for details. The Macy's name and logo are registered trademarks of Macy's Inc.

Marriott® Cheque Marriott is not a sponsor of this promotion. The Marriott logo is a registered trademark of Marriott International, Inc. See reverse side of Cheque for complete terms and conditions.

Marriott® TravelCard® Marriott is not a sponsor or co-sponsor of this promotion. Marriott is a registered trademark of Marriott International Inc. See reverse side of TravelCard for complete terms and conditions.

Nordstrom Gift Card Nordstrom Gift Cards do not expire, have no fees and are redeemable at nordstrom.com, Nordstrom and Nordstrom Rack stores. Gift Cards may not be returned, applied as payment on any account or redeemed for cash, except where required by law.

Office Depot® Gift Card Office Depot gift cards may be redeemed at any of our retail stores in the United States or Canada, or at www.officedepot.com. Office Depot is a registered trademark.

Options giftcard (Redeemable at Gap, Old Navy and Banana Republic) Gap giftcards can be used at all Gap locations and online at Gap.com. Only 2 giftcards are redeemable per online transaction. Gap giftcards are redeemable for merchandise only and cannot be replaced if lost or stolen. For questions regarding Gap giftcards, please call 1-800-GAP-STYLE.

The Panera Card® from Panera Bread® PANERA BREAD and the Mother Bread Logo are registered trademarks of Panera Bread and are used with permission. Panera Bread is not a sponsor of this program. See back of the Panera Card® gift card for complete terms and conditions of use.

Pottery Barn® Pottery Barn® is a registered trademark of Williams-Sonoma, Inc. Pottery Barn is not affiliated with Chase Bank USA, N.A., nor a sponsor of this promotion. Pottery Barn gift cards can be redeemed for purchases at Pottery Barn stores, catalogs, or online at www.potterybarn.com.

Ritz-Carlton® Currency The Ritz-Carlton is not a sponsor of this promotion. The Ritz-Carlton name and logo are registered trademarks of The Ritz-Carlton Hotel Company, L.L.C.

Ruth's Chris Steak House Gift Card Ruth's Chris Gift Card is subject to the terms and conditions of use printed on the gift card. Ruth's Chris Steak House is not affiliated with Chase Bank USA, N.A., nor is it a sponsor or co-sponsor of this promotion. Ruth's Chris name and logo are registered trademarks of Ruth's Chris Steak House.

Sears Sears Holdings Management, Inc. participation is not an in-store offer and is not a sponsor of this promotion. Fulfillment of gift cards will be done through Maritz Inc. Gift cards are subject to all terms and conditions printed on the gift cards and are subject to change at Sears Holdings Management Corporation's discretion.

Shell Gift Card The Shell Gift Card can be used only for purchases of goods and services at Shell locations in the U.S., except territories, which include Puerto Rico. The Card cannot be redeemed for cash and no change will be given, except in states that require redemption for cash. Shell Oil Products U.S. and its related companies are not sponsors or co-sponsors of this promotion.

Starbucks Card Starbucks, the Starbucks logo and the Starbucks Card design are either trademarks or registered trademarks of Starbucks U.S. Brands, LLC. Starbucks is not a participating partner in or sponsor of this offer.

Target GiftCard The Bullseye Design and Target are registered trademarks and Target GiftCard is a service mark of Target Brands, Inc. All rights reserved. Terms and conditions are applied to GiftCards. Target is not a participating partner in or sponsor of this offer.

The listed merchants are in no way affiliated with Chase Bank USA N.A., nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant's gift card/certificate/website for additional terms and conditions, which are subject to change at merchant's sole discretion, if permitted by law.

©2009 JPMorgan Chase & Co. All rights reserved. Copyright applies to entire marketing piece except for those trademarks and logos herein which are the property of other respective owners.

 

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