I treat rewards like I treat infrastructure — strategically routed, never left idle. Chase UR and Amex MR anchor the transferable point portfolio, co-brand cards stack category multipliers on top, and every dollar of spend is routed to the card that earns the most for that category.
3% cash back at U.S. supermarkets (up to $6K/yr)
3% at U.S. gas stations & online retail
$200 welcome statement credit
No annual fee
4x U.S. restaurants & groceries
3x flights booked direct
$120 dining credit · $120 Uber Cash
$100 hotel credit via Amex Travel
3x travel & dining worldwide
$300 annual travel credit
Priority Pass Select lounge access
1.5¢/pt on travel via Chase portal
3x dining · 2x travel
$50 annual hotel credit
10% anniversary points bonus
Transfer partners: United, Hyatt, SW, BA
3x United purchases · 2x travel & dining
Up to 6,000 PQP/yr toward status
2 United Club one-time passes/yr
2 checked bags free
6x Marriott Bonvoy hotels
4x restaurants, U.S. gas, wireless, shipping
Free Night Award annually (up to 35K pts)
Automatic Gold Elite status
1.5x on all purchases (no categories)
Earns UR — combinable with Sapphire
No annual fee
Ideal for catch-all business spend
5x travel via Chase portal
3x dining & drugstores
1.5x on everything else · No annual fee
Earns UR — combinable with Sapphire for 1.5¢/pt
Referral links above benefit both parties — you receive the current public signup bonus from the issuer, I earn a referral point bonus. The offer terms and destination are identical to applying directly through the bank.