Purchase APR
18.24–27.74%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $802.20
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49
IHG Traveler
Jpmorgan Chase Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.24–27.74%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
27.74%
620–719
27.74%
720+
26.74%
Lowest offered19.24%
Median27.74%
Highest offered27.74%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.49%
Median28.49%
Highest offered28.49%
Every fee on this card
Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Chase Pay Over Time (formerly My Chase Plan)$0
Return Payment$40
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Baggage Delay Insurance, Lost Luggage Reimbursement, Travel and Emergency Assistance Services, Trip Cancellation/Interruption Insurance, Travel Accident Insurance, Roadside Assistance
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-698-0120
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.74%$832.20
Annual / periodic fees$0
Total yearly cost$832.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
26 documents filed by Jpmorgan Chase Bank, National Association in the 2026 Q1 archive.
All 26 agreementsMore from this issuer
Purchase APR
16.74%
Annual fee
$795
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,297.20 incl. $795 fee
Purchase APR
17.49–26.49%
Annual fee
$49
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $843.70 incl. $49 fee
Purchase APR
17.49–26.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $764.70