Overall, Chase has been a blessing. I’ve earned at least $10,000 worth of travel benefits through their various credit cards. Best deal $1,850 savings — met the minimum spend on a $450 credit card to earn points worth $1,600 plus TWO $300 travel credits plus $100 towards global entry. Recently earned 125,000 IHG points worth 8 to 14 free hotel nights (probably worth $1,500+) for a $5,000 spend. My wife and I recently did a 9-night trip through New England and Canada with lodging costs of $68 and credit card annual fees of about $250 (4 free nights worth $1,000+) and free breakfasts everywhere. One more tip... if you’re late on your credit card payment, call quickly to get fees and interest reversed. They’ll normally do this once per year.
I get my CC bills at Chase online and pay online the same day the bill is posted. I’m very paranoid about forgetting to pay.