Chase
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
27,000 points a year at 1.50¢ = $405, $50 of credits you'd actually use, minus the $95 annual fee = $360 a year. The 75,000-point welcome bonus adds $1,125 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 3× Chase Ultimate Rewards | none |
| Flights, hotels and transport | 2× Chase Ultimate Rewards | none |
| Groceries | 3× Chase Ultimate Rewards | none |
| Everything else | 1× Chase Ultimate Rewards | none |
3x on dining, online grocery and streaming; 2x on all other travel; 5x on travel booked through Chase Travel.
Chase Ultimate Rewards points are worth about 1.50 cents each on our published table, our own. What Chase Ultimate Rewards points are worth →
75,000 Chase Ultimate Rewards — about $1,125 — after $5,000 of spending in 3 months. The example spending above does not clear that, so it is left out of the sum.
Subject to Chase 5/24.
Credits count for $50 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $50 annual hotel credit through Chase Travel. The $10 monthly DoorDash credit only applies to non-restaurant orders, so it is counted at nothing.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.