Chase 家的 UR (ultimate rewards) 点数系统 是几大点数系统中 （Amex MR, Citi TYP, CapitalOne Venture)， 我比较喜欢的。 优点有：点数积攒快；航空、酒店合作伙伴给力；里程积分小白也可以有兑换statement credit （1.25 或者 1.5比例）的现金用法作为保底。 推荐作为主攻项目，集中消费力积攒。
Chase Ultimate Rewards 系列卡 包含多张，个人卡有如下几张：
Freedom Unlimited | Freedom Flex | Sapphire Preferred | Sapphire Reserved | |
| 年费 | 无 | 无 | $95； 副卡 0 | $550； 副卡 $75 |
| 境外手续费 | 3% | 3% | 无 | 无 |
| 开卡奖励 | $200 5% gas,grocery, cap $12,000 | $200 5% gas,grocery, cap $12,000 | 60,000 UR | 60,000 UR |
| 日常消费 | 5x: Chase UR travel 3x: dining, drugstore 1.5x: everything else | 5x: Chase UR travel 5x: quarterly bonus categories (cap $1500) 3x: dining, drugstore 1x: everything else | 5x: Chase UR travel 3x: dining, online grocery, streaming service 2x: travel 1x: everything else | 10x: hotel via Chase UR travel 5X: flight via Chase UR travel 10x: dining via Chase UR 3x: dining, travel 1x: else |
| 其他福利 | * a complimentary 3 months of DashPass * a complimentary 3 months of Instacart+ membership * Earn 5% cash back on Lyft rides through March 31, 2025 | * a complimentary 3 months of DashPass * a complimentary 3 months of Instacart+ membership * Earn 5% cash back on Lyft rides through March 31, 2025 | * annual $50 statement credit when booking hotel via Chase UR travel * a complimentary DashPass till 2024.12.31 * a complimentary 6 months of Instacart+ membership * $15 Instacart credit each quarter * Earn 5x on Lyft rides through March 31, 2025 * Complimentary 4th night at Ennismore Hotel properties | * $300 Annual Travel Credit * Airport Lounge Access * $100 credit every 4 years GE TSA NEXUS * 10x Lyft * 2 year Lyft Pink * a complimentary DashPass till 2024.12.31 * $5 DoorDash monthly credit ** a complimentary 12 months of Instacart+ membership * $15 Instacart credit each month |
| 旅行相关保险 | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver Baggage Delay Insurance Trip Delay Reimbursement | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver Baggage Delay Insurance Trip Delay Reimbursement Travel Accident Insurance Lost Luggage Reimbursement Emergency Evacuation and Transportation Roadside Assistance Emergency Medical and Dental Benefit |
| 购物相关 | Zero Liability Protection Purchase Protection Extended Warranty Protection | Zero Liability Protection Purchase Protection Extended Warranty Protection Cell Phone Protection | Purchase Protection Extended Warranty Protection | Zero Liability Protection Purchase Protection Return Protection Extended Warranty Protection |
记录酒店相关的促销信息：包括但不限于 购买积分加赠、酒店礼卡促销、季度促销奖励
记录航空相关的促销信息： 包括但不限于 购买里程促销、航司礼卡促销、积分转点促销