The card earns bonus points for travel and dining-related spending, which can be redeemed for more value through Chase. It piles on the perks, too, but they come at a price. With a big sign-up ...

Do you have a question about the Guardians that you’d like to have answered in Hey, Hoynsie? You can subscribe to Subtext here, text Hoynsie at 216-208-4346 for a two-week free trial or email him at ...

sign-up bonus and access to Chase QuickAccept℠, which can be used to accept credit card payments on the go. But free in-person transactions are limited to just 20 per month, far less than what ...