When deciding which credit card to apply for, rewards, welcome bonuses, annual fees and benefits largely drive the decision. But once you have a credit card, it makes sense to understand and make use of all of its perks — even the features you weren't fully aware of when you applied.
Many card issuers offer special event access and perks, including Chase. Chase cardholders can take advantage of the Chase Experiences® program, which provides benefits at certain events, ticket presales and more. The best part is that these benefits are available with Chase credit cards and debit cards, so simply having a Chase checking or savings account gives you access.
Here's what you need to know about Chase Experiences and how to take advantage of its benefits.
Chase Total Checking®
Annual Percentage Yield (APY)
N/A
Minimum balance to open
$0
Monthly service fee
$12 ($15, effective August 24, 2025) or $0 with one of the following, each monthly statement period: Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network, OR a balance at the beginning of each day of $1,500 or more in this account, OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Free ATM network
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
ATM fee reimbursement
None
Overdraft fee
$34
Mobile check deposit
Yes
Terms apply.
JPMorgan Chase Bank, N.A. Member FDIC
Information about Chase Total Checking® has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
Guide to Chase Experiences
Senior reporter Jason Stauffer can answer your questions about how to make the most of your credit cards in his weekly Points Pro column. Submit yours here.
What is the Chase Experiences program?
The Chase Experiences program grants access to perks for a wide range of events, from sports to music. These benefits include:
- Presale tickets
- Event lounges and experiences
- Preferred seating
- Concessions and merchandise discounts
- Exclusive experiences
You can explore the options on the Chase Experiences site, which includes a rotating list of events and certain benefits tied to specific venues, such as the Chase Center in San Francisco or the Lincoln Center in New York City.
There are additional experiences for select co-branded credit cards, such as events for Avios cardholders and United Card Events. To be eligible, you'll need the right card, like the United℠ Explorer Card (see rates and fees) or British Airways Visa Signature® Card.
The United℠ Explorer Card is worth it even if you only fly with United Airlines once or twice a year because you can take advantage of two United Club℠ passes per year when the primary cardmember or authorized user is traveling and you can receive free checked bags.
- No annual fee for the first year
- Unlocks upgrades for elite members on award flights
- Two free United Club airport lounge passes every year
- Valuable United Airlines perks, such as in-flight purchase discounts and the ability to earn elite status credit through credit card spending
- First checked bag free benefit requires you to pay for the flight with the card
- United Airlines has a dynamic award chart which can limit the value and flexibility of your miles
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn up to 60,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases
- 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
- Free first checked bag - a savings of up to $200 per roundtrip. Terms Apply. Plus, priority boarding on United® flights.
- 2 United Club one-time passes per year - over a $100 value
- Over $500 in partner credits each year
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
Sapphire Reserve Experiences
If you have the Chase Sapphire Reserve® (see rates and fees) or Sapphire Reserve for BusinessSM (see rates and fees), both provide access to enhanced experiences.
Many of these events are aligned with these cards' benefits. For example, past events included access to a behind-the-scenes event for several Apple TV original shows, and new Apple Music experiences are coming soon. At the same time, Reserve cardholders can enroll to receive complimentary Apple TV and Apple Music subscriptions through June 22, 2027 (activation required).
You can also book organized Sapphire Reserve Trips to notable events around the world, like a (now sold-out) Día de los Muertos celebration in Oaxaca, Mexico, and an upcoming wellness retreat with Peloton in Turks and Caicos. Plus, access extra perks at select luxury hotels through The Edit by Chase Travel℠ collection. Eligible reservations can qualify for daily complimentary breakfast for two people, a $100 property credit and late check-in and early check-out (when available). These benefits align nicely with the cards' annual travel and hotel credits.
For foodies, the Sapphire Reserve Exclusive Tables program can help you secure reservations at top restaurants across the U.S. Every year, consumer Reserve cardmembers can earn up to $300 in dining credits at restaurants that are part of this program. (You can earn a $150 credit at eligible restaurants between Jan. 1 and June 30, and between July 1 and Dec. 31.)
The Chase Sapphire Reserve® is a standout premium credit card with luxury perks including, hotel credits, complimentary hotel elite status, travel credits, dining credits, rideshare and delivery benefits and much more.
- Access Priority Pass lounges, including unlimited access to Chase Sapphire Lounge® by The Club locations.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
- Complicated list of benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
The Chase Sapphire Reserve for Business brings over $3,000 in value to business owners who value travel and premium experiences
- $400 in annual statement credits on purchases made directly with ZipRecruiter.
- $300 annual travel credit each anniversary year
- $120 Global Entry, TSA Precheck or Nexus fee credit every four years
- Access to 1,300+ airport lounges worldwide with your complimentary Priority PassTM Select membership, including Sapphire Lounge by The Club locations with two complimentary guests
- Can transfer rewards to all of Chase’s 14 travel partners
- IHG One Rewards Platinum Elite status through 12/31/27
- Comprehensive suite of travel and purchase protections
- High annual fee
- Significant value tied to statement credits
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase TravelSM, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase TravelSM for airline tickets, hotels, including The EditSM, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
How to access Chase Experiences
The best part about Chase Experiences is that you can access these perks with any Chase credit or debit card. That means you don't need to empty your wallet for a $795 annual fee to receive this benefit.
These cards include, but aren't limited to, the following:
- Chase Freedom Unlimited® (see rates and fees)
- Chase Freedom Flex®
- Chase Sapphire Preferred® Card (see rates and fees)
- Chase Freedom Rise® (see rates and fees)
- Ink Business Cash® Credit Card (see rates and fees)
- Ink Business Unlimited® Credit Card (see rates and fees)
- Ink Business Preferred® Credit Card (see rates and fees)
The Chase Freedom Unlimited® is a no-annual-fee card that earns generous cash-back on everyday purchases and a lucrative welcome bonus. Plus, if you pair it with a premium Chase credit card that allows point transfers, you can convert your cash back into flexible travel rewards.
- Users get a high rewards rate and strong welcome bonus
- Purchases and balance transfers receive an intro APR
- No annual fee
- Has a foreign transaction fee
- Few rewarding ongoing benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, in the first 60 days. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections, flexible rewards and more.
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Long list of travel and shopping protections
- Annual Chase Travel hotel credit
- Has an annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
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Information about the British Airways Visa Signature® Card, Chase Freedom Flex® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
