:max_bytes(150000):strip_icc()/bio_SiennaKossman-6240d4d00d0c41e0a26d61b7514262ac.png)
:max_bytes(150000):strip_icc()/ACS_00441-c496577bf7014553869c355833535a27.JPG)
If you’re looking for the best Chase credit cards, you’re not alone. Chase is a very popular credit card issuer, especially among rewards seekers. We’ve done the research and crunched the numbers. If you’re interested in opening a Chase card, these are the ones worth your time.
Best Chase Credit Cards of November 2021
- Best Overall, Best for Cash-Back Rewards: Chase Freedom Unlimited
- Best for Cost-Conscious Travelers, Best Sign-Up Bonus: Chase Sapphire Preferred Card
- Best for Luxury Travelers: Chase Sapphire Reserve
- Best for Businesses: Ink Business Unlimited
Best Overall, Best for Cash-Back Rewards : Chase Freedom Unlimited
:max_bytes(150000):strip_icc()/chase_freedomunlimited-7f3bab34f4384a5e9822c26992486e78.png)
$200 cash back after you spend $500 on purchases in your first 3 months from account opening.
| Regular APR (%) | 14.99% - 23.74% variable |
| Annual Fee | $0 |
| Rewards Earning Rate | Earn 5% cash back on grocery store purchases (not including Target(R) or Walmart(R) purchases) on up to $12,000 spent in the first year. Earn 5% on Chase travel purchased through Ultimate Rewards(R), 3% on dining and drugstores, and 1.5% on all other purchases. |
| INTRO PURCHASE APR | 0% for 15 Months |
| Foreign transaction fee (%) | 3% |
- Why We Chose This Card:
- Pros & Cons:
- Highlights:
Rewards are fruitful with this card, which offers the flexibility of more expensive counterparts with no annual fee. You’ll get 5% back on travel booked through Chase, 3% back on dining and drugstore purchases, and then 1.5% on everything else. With your rewards, you can tap into Chase Ultimate Rewards for travel, shopping, or gift cards. Plus, an introductory APR of 0% on purchases gives you a 15-month break on finance charges.
Easy-to-earn and competitive welcome bonus
Good 0% APR intro offer for purchases
No annual fee
Several ways to redeem points through Chase Ultimate Rewards, including for travel
Unlike comparable cards, this card still charges a foreign transaction fee
APR may be above average, depending on your credit
- $200 cash back after you spend $500 on purchases in your first 3 months from account opening.
- 0% intro APR for 15 months from account opening on purchases.
- Earn unlimited 1.5% cash back on every purchase.
- Earn 5% cash back on Lyft rides through March 2022.
Read the full Chase Freedom Unlimited Review
Best for Cost-Conscious Travelers, Best Sign-Up Bonus : Chase Sapphire Preferred Card
:max_bytes(150000):strip_icc()/chase-sapphire-preferred-6d7b975c323040778785ad3e708f9983.png)
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
| Regular APR (%) | 15.99% - 22.99% variable |
| Annual Fee | $95 |
| Rewards Earning Rate | Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards(R), 3X points on dining and 2X points on all other travel purchases, plus more. |
| Foreign transaction fee (%) | 0% |
- Why We Chose This Card:
- Pros & Cons:
- Highlights:
For a $95 annual fee, you’ll get impressive travel insurance benefits and a flexible rewards plan that lets you transfer points to partner loyalty programs. You’ll avoid foreign transaction fees, and if you spend $4,000 within the first three months, you'll receive a 60,000-point bonus worth $750 when used to book travel with Chase Ultimate Rewards® (or possibly more when transferred to a partner).
Good bonus compared to other travel cards with similar annual fees
Option to transfer points to eligible airline and hotel programs, often at a 1-to-1 ratio
Points are pretty valuable when redeemed for travel
Some premium travel insurance benefits
No credits to cover incidental airline fees or other travel-related costs
Few everyday purchase categories earn extra points
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
- Earn 5X points on Lyft rides through March 2022.
- Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.
- With Pay Yourself Back(SM), your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
Read the full Chase Sapphire Preferred Card Review
Best for Luxury Travelers : Chase Sapphire Reserve
:max_bytes(150000):strip_icc()/sapphire_reserve_card-3ee2c82770004c248bb081783fe58fee.png)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
| Regular APR (%) | 16.99% - 23.99% variable |
| Annual Fee | $550 |
| Rewards Earning Rate | Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards(R) immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases. |
| Foreign transaction fee (%) | 0% |
- Why We Chose This Card:
- Pros & Cons:
- Highlights:
The new-cardholder bonus, earned if you spend $4,000 in the first three months, is worth $750 when you redeem points through the Chase travel portal—possibly more if you transfer points to one of the program's travel partners. Pair that with the annual travel-expense reimbursement, and new cardholders can earn more than $600 toward travel in the first year, which is an exceptional value for a premium card. You'll have a hefty annual fee, but when you add valuable airport lounge access to the equation, you've got a great option built for luxury travelers.
Earn extra points for travel and dining purchases
Many different purchases count as travel spending, which makes earning rewards easier
Several valuable ways to use points, including transfers to partner loyalty programs
Jam-packed with valuable travel credit and travel insurance benefits
Massive annual fee
High ongoing APR
- Receive 50,000 points after spending $4,000 in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
- Get an annual $300 travel credit for eligible purchases charged to your card each anniversary year.
- Earn 3 points on travel (excluding purchases eligible for the travel credit), restaurants, and dining. Earn 1 point per $1 spent on other purchases.
- Points are worth 50% more when you redeem them for travel through Chase's Ultimate Rewards portal.
- Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.
Read the full Chase Sapphire Reserve Review
Best for Businesses : Ink Business Unlimited
:max_bytes(150000):strip_icc()/ink-business-unlimited-c6fee364fbc74fac9190acf4d18b5745.png)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
| Regular APR (%) | 13.24% - 19.24% variable |
| Annual Fee | $0 |
| Rewards Earning Rate | Earn unlimited 1.5% cash back on every purchase. |
| INTRO PURCHASE APR | 0% for 12 Months |
| Cash Advance APR (%) | 24.99% |
| Cash Advance Fee | Either $15 or 5% of the amount of each transaction, whichever is greater. |
- Why We Chose This Card:
- Pros & Cons:
- Highlights:
Small-business owners will enjoy this no-fuss rewards card. You’ll earn unlimited 1.5% cash back on each purchase, so there are no categories or earning limitations to worry about. This no-annual-fee card also offers a year-long no-interest APR offer to new cardholders, which is helpful for anyone looking to spread out expense costs for a little while. Since this card issues cash back as Chase Ultimate Rewards points, there are many valuable ways to use rewards, including statement credits and travel.
Sizable welcome bonus for a no-annual-fee business card (and the spending requirement is relatively low)
Wide variety of redemption options, including cash back and travel bookings
Competitive length for a 0% APR offer on purchases
Rewards rate on purchases is pretty standard, but nothing special
Foreign transaction fee makes this a costly card for international business travel
- $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
- Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.
- Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards.
- Employee cards let you set individual spending limits and help you earn rewards even faster.
Read the full Ink Business Unlimited Review
Compare The Best Chase Credit Cards
| Credit Card | Annual Fee |
|---|---|
| Chase Freedom Unlimited
Best Overall |
$0 |
| Chase Sapphire Preferred Card
Best for Cost-Conscious Travelers |
$95 |
| Chase Sapphire Reserve
Best for Luxury Travelers |
$550 |
| Ink Business Preferred Credit Card
Best for Businesses |
$95 |
| Chase Freedom Unlimited
Best for Cash-Back Rewards, Best With No Annual Fee, Best for Financing Large Purchases |
$0 |
| Chase Sapphire Preferred Card
Best Sign-Up Bonus |
$95 |
FAQs
What Is Chase?
Chase is the largest commercial bank in the U.S. It issues credit cards under its own brand, and with merchants like Amazon, Southwest, United, Marriott, and Disney.
Chase grabs headlines for its travel rewards cards, but the bank also offers good cards for small businesses, earning cash back, and making balance transfers.
Nearly all Chase credit cards are Visa cards, with one Mastercard exception: the IHG Rewards Club Premier Credit Card. Since Mastercard and Visa are both globally accepted card networks, you can use Chase cards easily when traveling internationally.
Note
You’ll need at least a good credit score (670 or higher, by FICO standards) to qualify for most of this bank’s cards. Chase doesn’t offer any secured or student credit cards.
How Does Chase's Ultimate Rewards Program Work?
Ultimate Rewards is Chase’s primary rewards program. It’s available with the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom, Chase Freedom Student, Chase Freedom Unlimited, Ink Business Preferred, Ink Business Unlimited, and Ink Business Cash.
Depending on the card, you’ll earn points for each dollar spent, extra points on select purchase categories, flat-rate cash back, or up to 5% back on rotating categories. Chase Ultimate Rewards program points are usually worth 1 cent each, but when the points are redeemed for travel in the Ultimate Rewards portal, they may be worth 1 to 1.50 cents each, depending on the card. Chase Ultimate Rewards never expire as long as your card account is open and in good standing.
Ultimate Rewards points are flexible rewards that can be redeemed in many ways, including but not limited to:
- Travel
- Gift cards
- Cash back
- Apple merchandise
- Amazon.com shopping
- Event tickets
With some cards, points can be transferred at a 1:1 ratio with Chase’s travel partners, which include major airlines and hotel brands like United, Marriott, and Hyatt. To learn more about how to earn and use Chase Ultimate Rewards points, read "Chase Ultimate Rewards Program: Your Complete Guide."
Ultimate Rewards aren’t the only rewards associated with Chase cards. Co-branded Chase cards will have rewards programs with select retail brands, like Southwest Rapid Rewards or Starbucks Rewards.
Chase 5/24 Rule
Chase follows an unofficial card application approval process that’s been dubbed the 5/24 rule. If you’ve opened five new credit cards with any issuer in the past 24 months, it’s unlikely you’ll qualify for most Chase cards—even if you have a stellar credit score.
Tip
If you want a Chase card but think you’ll fall afoul of the 5/24 rule, wait for that two-year mark to pass to increase your approval odds and avoid the ding to your credit score of a hard inquiry.
How Good Is Chase Customer Service?
Chase receives fairly good ratings for its customer service and was ranked No. 4 out of 11 major card issuers in the 2020 J.D. Power U.S. Credit Card Satisfaction Study. The bank’s online credit card services rated first in another 2020 J.D. Power study. The bank's mobile app was ranked sixth in that same study.
The Chase customer service phone line is open 24/7, 365 days a year. Chase also offers secure messaging via email and even a designated support account on Twitter.
If you open a Chase credit card, you’ll also have a number of self-service resources at your disposal. View your FICO Score online and via the Chase mobile app for free. You can also track your credit health via Credit Journey, a credit dashboard that summarizes your credit report and credit score, and offers tips on managing credit.
Methodology
We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.
Our reviews are always impartial. No one can influence which cards we review, the way we present them to you, or the ratings they receive.
About This List
The Balance editorial team compiled this best card list using the same factors used to evaluate our best overall card rankings, but focused just on cards issued by Chase. We excluded co-branded airline and hotel cards, because knowing the best airline card issued by Chase is only helpful if you fly that airline.
What We Score
Rewards, annual fee, and regular APR are the most important things people consider when choosing a credit card, so we weigh those features most heavily. Beyond limiting this list to cards issued by Chase, we applied the same methodology we use to determine our best overall credit cards. For full details on how we evaluate credit card attributes, check out our full methodology.