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Free Baggage
Free Night Certificate
Global Entry or TSA PreCheck
Price Protection
Inflight Savings
Hotel Collection
Lost Luggage Insurance
Lounge Access
Luggage Delay Insurance
Priority Boarding
Purchase Protection
Return Protection
Roadside Assistance
Travel Accident Insurance
Travel Medical Insurance
Trip Cancellation Insurance
Trip Delay Insurance
Upgraded Statuses
Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Additional Value with Chase Travel

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Free Access to your FICO® Score

View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.

Wireless Bill Discount

Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

DoorDash

Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.

5% Cash Back on Lyft Rides

Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.

Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.

Travel and Emergency Services

Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Travel and Emergency Services

Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.

Travel and Emergency Services

Travel benefits your business needs including $1,000,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Inflight Discount

Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.

The Luxury Hotel & Resort Collection

Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip delay protection

Get reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather, mechanical breakdown of the common carrier or air traffic control delays

Trip Cancellation/Trip Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by covered situations like sickness or injury.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

ShopRunner

Did you know you can enroll in complimentary ShopRunner membership as a benefit of your Card? With ShopRunner, you can get free 2-day shipping* and free return shipping on eligible items at 100+ online stores.

ShopRunner

Get free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner.

ShopRunner

Get free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner. Enroll in complimentary membership as a benefit of your eligible Card.

Shop Dell Technologies

Upgrade your tech, enhance your business. Enroll and get up to $400 in statement credits per year for toward U.S. purchases with Dell Technologies on your Business Platinum Card. That's up to $200 back semi-annually.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Priority Boarding

Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry'on bag and settle in sooner.

Priority Boarding

Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.

Premium Private Jet Program

Make your next trip unforgettable by flying private with Wheels Up. As a Business Platinum Card Member, save on a Wheels Up Connect or Core Membership initiation fee and receive a flight credit to use toward your first Wheels Up flight taken within your first 12 months of Membership. Enrollment required.

Premium Internet Access

Stay connected with complimentary in-room, premium internet access while staying at hotels participating in the Marriott Bonvoy program. Booking requirements apply for in-room Internet access.

Premium Internet Access

Receive free in-room, premium Internet access.

Premium Global Assist® Hotline

With Premium Global Assist® Hotline, when you travel more than 100 miles from home, we can provide you with 24/7 medical, legal, financial or other select emergency coordination and assistance services. Emergency medical transportation assistance may be provided at no cost, if authorized and arranged by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.

Hilton Honors Silver Status

Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

Hilton Honors Gold Status

As a Platinum Card Member, enroll to receive complimentary Hilton Honors Gold Status.

Hertz President's Circle® Status

Transform your car rental experience with Hertz President's Circle Status, compliments of your Delta Reserve Card.

Hertz Five Star® Status

Transform your car rental experience with Hertz Five Star Status, compliments of your Delta Platinum Card.

Global Assist® Hotline

Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card Member can make things easier. Global Assist® Hotline‡ can help you prepare for your trip with customs information and more. And while you're traveling more than 100 miles from home, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals are a phone call away.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services, including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Global Assist® Hotline

Lose your wallet? Need a referral for a doctor? Global Assist Hotline is there to help with coordination and assistance services when you are traveling 100 or more miles from home. We can also help you with visa and customs information, and more. Card Members are responsible for the costs charged by third-party service providers.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third'party service providers.

First checked bag free

Enjoy your first checked bag free on Delta flights.

First checked bag free

As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.

First checked bag free

You can check your first bag for free and save up to $60 on a round trip Delta flight.

First checked bag free

You can check your first bag for free and save up to $60 on a round-trip Delta flight.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year.

Car Rental Loss and Damage Insurance

As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.

Car Rental Loss and Damage Insurance

As a Card Member, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Annual Bonus Spend

Earn 10,000 bonus points after spending $10,000 on purchases each calendar year.

Annual Bnous Spend

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.

Annual Bnous Spend

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.

Anniversary Free Night

Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card.

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Quest Card.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

7,500 points every year

7,500 points every year on your Cardmember anniversary.

6,000 anniversary points each year

Receive 6,000 bonus points each year after your Cardmember anniversary.

5% Cash Back

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

5% Cash Back

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

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Reading Now:
10 Things To Do Before Applying For A Credit Card
Advertiser Disclosure: Many of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.
February 10, 2025
2
minute read

10 Things To Do Before Applying For A Credit Card

10 Things To Do Before Applying For A Credit Card: Taking These Steps Can Help You Make A Smart Choice And Keep Your Finances In Check.

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Before applying for a credit card, it’s important to take a few steps to ensure you’re making the best decision for your financial health. Here are some key things to do:

1. Check Your Credit Score

  • Why: Your credit score influences the types of credit cards you can get and the interest rates you’ll be offered.
  • How: You can check your credit score for free through various online services or your bank.

2. Review Your Credit Report

  • Why: Checking your credit report helps you spot any errors or issues that could impact your application.
  • How: Obtain a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com.

3. Determine Your Credit Needs

  • Why: Knowing what you want from a credit card helps you choose the right one for your needs.
  • How: Decide if you need a card for building credit, earning rewards, transferring a balance, or making a big purchase.

4. Compare Credit Card Offers

  • Why: Different cards offer different benefits, fees, and interest rates.
  • How: Use comparison websites to look at various credit card options. Pay attention to interest rates (APR), annual fees, rewards programs, and other features.

5. Understand the Terms and Conditions

  • Why: Knowing the terms helps you avoid surprises and manage your credit card responsibly.
  • How: Read the fine print to understand the interest rates, fees, penalty rates, and other important details.

6. Consider Your Debt-to-Income Ratio

  • Why: Lenders use this ratio to determine your ability to manage monthly payments and repay debts.
  • How: Calculate your monthly debt payments and divide them by your monthly income to get your debt-to-income ratio.

7. Prepare Your Financial Information

  • Why: Having your financial details ready makes the application process smoother.
  • How: Gather your Social Security number, income information, and employment details.

8. Avoid Multiple Applications

  • Why: Applying for several credit cards in a short period can hurt your credit score.
  • How: Choose the best card for your needs and apply for it, rather than applying for multiple cards at once.

9. Plan How You’ll Use the Card

  • Why: Having a clear plan helps you use the card responsibly and avoid debt.
  • How: Decide if you’ll use the card for everyday purchases, emergencies, or specific expenses, and plan how you’ll pay off the balance each month.

10. Know Your Rights

  • Why: Understanding your consumer rights can protect you from unfair practices.
  • How: Familiarize yourself with the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act and other consumer protection laws.

By following these steps, you can make a more informed decision and choose a credit card that fits your financial situation and goals.

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