‍Spend different.

Today, most things we want can be ordered instantly. Food. Clothes. Devices.

We've become very good at spending on things, and far less intentional about spending on the thing upstream of everything else: our health.

Health shapes how much energy we have, how clearly we think, and how consistently we show up. It sits beneath every ambition, experience, and relationship. Yet it's often treated as something you react to, not something you actively support. In fact, Americans now spend nearly $15,000 annually on health, yet only 3.6% of that investment actually supports sustaining health over time.

That approach misses what matters most.

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Health is an economic decision

Health spending is inevitable. The only variable is timing.

You either invest early—or pay later.

The cost of being unwell rarely arrives all at once. It accumulates through lost energy, missed work, and medical expenses that compound silently over time. Delaying attention to health costs more than supporting it early.

Time is a major part of that cost. Time waiting for answers. Time navigating appointments. Time feeling off without knowing why. It doesn't show up on a bill, but it's one of the most expensive parts of the system.

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Changing where health lives

Function was built on a simple belief: small, early steps in health create meaningful returns.

Function offers people a more in-depth view of what's happening inside their bodies. One system. Together, not scattered. Across core systems—including heart health, hormones, metabolic health, immunity, and nutrition.

That information earlier expands what's possible. Decisions happen sooner. Risk gets addressed earlier. Fewer surprises. Fewer unnecessary interventions.

That's what it means to be on top of your health.

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A more intentional way to spend

Chase Sapphire and Function are helping lower the barrier for cardmembers who want to invest in proactive health.

This offer makes it easier to access comprehensive testing and insights that help cardmembers understand and act on their health earlier.

For a limited time, Chase Sapphire cardmembers can earn cash back when they add this offer and purchase a Function membership.

• Sapphire Reserve® Cardmembers can earn 50% cash back after spending $365 on a Function membership
• Sapphire Preferred® Cardmembers can earn 15% cash back after spending $365 on a Function membership

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Why this matters

Most spending disappears the moment it's made. Spending on health compounds.

With better information, people make better decisions. With ownership, they act earlier. And when health is supported upstream, the downstream costs shrink.

Health is priceless. How we choose to spend on it is not.

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Spend different. Choose health.