The Credit Card That Should Be In Every Non Active Duty Wallet

We talk a lot about our favorite credit cards for active duty service members and their spouses but what if you are no longer active duty (or never were)? See below for the card we think EVERYONE should have in their wallet!

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Current welcome offer:

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Why do we like this card? For starters, it is a MUST have card for non active duty service members and families as it opens the door to Chase Ultimate Rewards points and the ability to transfer to various airline and hotel partners via Chase Travel^SM.

The $95 annual fee is very much worth it for this card!

How to use these points:

• Book through Chase Travel^SM and points are worth 25% more (for example, 60,000 points is worth $750 in the portal) 
• Transfer to a travel partner and book through that partner directly

These points are often referred to as Versatile or “transferrable” points. So, what are they? 

• Transferrable/versatile means that you are able to transfer your points to other partner programs in order to book direct, which can often increase their value vs using them in the  Chase Travel^SM portal directly.
• You typically have more flexibility in cancellation or modification options when you book directly with the airline or hotel.
• Chase partner programs include companies like Southwest Airlines, United airlines, IHG, Hyatt, Marriott, and many more!

Airlines:

• AerClub, loyalty program for Aer Lingus
• British Airways Executive Club
• Emirates Skywards
• Air France KLM Flying Blue
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virigin Atlantic Flying Club
• Air Canada Aeroplan

Hotels:

• IHG Rewards Club
• Marriott Bonvoy
• World Of Hyatt

(Check out our transfer partner cheat sheet for a full list across all banks)

**Points can vary in value depending on how you use them. For example, I was able to use 88,000 Ultimate Rewards Points transferred to United in order to book a business class airline ticket that would have cost me over $5500 had I paid cash. 

Top benefits:

• $50 Chase Travel Hotel Credit
  • Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.
• DoorDash DashPass Subscription​
  • Get complimentary access to DashPass – a DoorDash and Caviar membership—a value of $120 for 12 months – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027
• 10% anniversary points boost
  • Each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
• NO foreign transaction fees!
• Travel Insurance Perks

Spending Categories:

• 5x on travel purchased through  Chase Travel^SM
• 3x on dining, select streaming services and online groceries
• 2x on all other travel purchases
• 1x on all other purchases

Tip: Don’t want to remember the spending categories? Make sure to download our favorite (FREE) app, Travel Freely, to help you keep all this organized!

Disclosures:

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