Credit card benefits guidess are critical to understand benefits and use them. Perhaps no surprise that most credit card companies do not provide them online or make them extremely difficult to find. The only cards I have found where the benefits guides are provided clearly in account management are Bank of America business cards, though not their personal cards.
Yes, you can call in to request a paper copy, but that is a hassle and not as flexible as digital formats. I try always to carry the benefits guide for cards for which I used to buy air tickets or rent cars in case of an issue. Sometimes I forget or used a different card. Seems it should be easy to pull these up online.
Last fall Chase updated the Guide to Benefits for a number of their cards and emailed on several, providing a link to view online. I received emails for my IHG Rewards and Marriott Rewards cards. Both pointed me to the link for Chase’s Visa Signature Guide to Benefits: www.chasebenefits.com/visasigVW1.
I thought I would pull up my other cards so went to chasebenefits.com. Unhelpfully, it provides no links, only providing a statement: “Thank you for visiting Chase. To access your Guide to Benefits, please refer to the insert, letter or e-mail you’ve received from Chase and use the link provided.”
I don’t see the point of all that secrecy, all the guides are public information to any cardholder. So I hunted around and got the following. Some clearly specify a card, some are generic and seem to apply to several cards. Many of their travel rewards cards are Visa Signature so that likely includes several in your wallet.
- Chase Sapphire Preferred (Visa): https://www.chasebenefits.com/sapphire10308
- Freedom Platinum MasterCard: https://www.chasebenefits.com/freedomMP1
- Freedom Visa Platinum: https://www.chasebenefits.com/freedomVP1
- Freedom Visa Signature: https://www.chasebenefits.com/freedomVW1
- Hyatt Visa Signature Preferred: https://www.chasebenefits.com/hyatt10330
- Slate Visa Platinum: https://www.chasebenefits.com/slateVP1
- Southwest Visa Signature: https://www.chasebenefits.com/signatureairvw2
- United MileagePlus Explorer Business Card: https://www.chasebenefits.com/unitedbus10337
- United MileagePlus Club Card: https://www.chasebenefits.com/unitedVW2
- United MileagePlus Explorer Platinum (the lesser version): https://www.chasebenefits.com/unitedVP1
- United MileagePlus Visa Signature (not Explorer): https://www.chasebenefits.com/unitedVW1
- Visa Platinum (generic): https://www.chasebenefits.com/visaplatinumVP1
- Visa Signature (generic): https://www.chasebenefits.com/visasignatureVW1 confirmed applies to IHG Rewards, Marriott Rewards Premier,
Even assuming that generic Visa Signature covers several personal cards, there are gaps, especially on the business side. I tried calling Chase and the agent had never heard of this website and tried to shunt me over to Visa or MasterCard. Then she got me over to the Benefits Administrator who also had never heard of this website and bounced me back over to customer service to a guy who also had never heard of the site, tried really hard, but come up with nothing.
I did today receive my new cards from recent applications for Chase Freedom, Chase Sapphire Preferred, and United MileagePlus Explorer Business and all had inserts touting their respective links.
Chase, and other card issuers, please make these public. You make Cardmember Agreements easy to find, please do it for benefits, too.
Readers, please contribute any more you find.