The non-negotiable fee varies from offer to offer and is directly tied to the promotional APR, so if you carry a Chase credit card it’s important to read the terms and conditions with your particular card to know exactly what fees apply.

Card selection for vaya 20_20 credit card offer is maintained and reviewed by our panel editors.

If you hold an MBNA Visa or MasterCard and you get an offer for an American Express card, read the fine print to determine if it's really a better offer.

Free reward tickets are taxable if earned during business travel and used for personal, leisure travel.

They may, say, offer triple rewards points during the first six months you have the card, or offer more cash back if you shop at specific stores or eat out at restaurants.