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Best Chase credit cards

By Mitch Strohm · Bankrate.com
Sunday, January 22, 2017
Posted: 3 pm ET
Best chase credit cards

Chris McGrath/Getty Images

The best Chase credit cards come with top-notch rewards, big bonus opportunities and long introductory no-interest periods. If you're in the market for a credit card and you're a customer of this bank, you might want to consider one of its cards.

A number of Chase cards ranks highly among the best credit cards in categories like cash-back rewards, travel and business credit cards, according to the experts at CreditCards.com.

Here are the five best Chase credit cards in various categories.

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Best Chase credit cards
Card Highlight Annual fee
Chase Freedom Unlimited Earn 1.5% cash back on every purchase None
Chase Slate 15 months no interest on balance transfers None
Chase Sapphire Reserve Earn 3 points for every $1 spent on travel and dining $450
Chase Sapphire Preferred Earn 2 points for every $1 spent on travel and dining $95
Chase Ink Business Preferred Earn 3 points for every $1 spent on select categories up to $150,000 annually $95

Chase Freedom Unlimited

This card ranks among the best cash-back credit cards available. It offers generous rewards and a decent sign-up bonus.

Highlights:

  • Earn 1.5 percent cash back on every purchase.
  • Earn a $150 statement credit after you spend $500 within the first three months of opening an account.
  • Cardholders can redeem rewards for cash in any amount at any time. Rewards don't expire as long as your account remains open.

Who should get this card
This card is a good choice for anyone who wants a straightforward rewards program. It's also useful for anyone who already owns a Chase rewards card, since Chase Ultimate Rewards can be transferred between cards.

It comes with a 0 percent, 15-month introductory APR on purchases and balance transfers, making it a good option for someone trying to pay down high-interest debt. After the initial intro period, the card has a variable APR of 15.49 to 24.24 percent.

Its cash-back rate, while good, isn't the highest flat-rate available. This card also has no bonus categories, a downside if you spend frequently in one area where you want to maximize rewards.

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Chase Slate

Its long introductory period and lenient stance on late payments make the Chase Slate a standout option among balance transfer cards.

Highlights:

  • You'll pay no interest for 15 months on purchases and balance transfers.
  • Transfer your balance for free during the first 60 days the account is open. The standard fee is $5 or 5 percent of the transfer, whichever is higher
  • Standard APR is a variable 15.49 to 24.24 percent based on creditworthiness.

Who should get this card
If you're looking for a balance transfer card with a good no-interest introductory period, no fee to transfer a balance and flexibility on late payments, the Chase Slate is a solid choice.

On the other hand, you are limited in how much you can transfer to the card: $15,000 or your credit limit, whichever is lower. You also can't transfer debt from another Chase account.

Chase Sapphire Reserve

Substantial bonus point opportunities, an annual travel credit and a top-notch rewards program puts the Chase Sapphire Reserve at the top of the list among travel and airline cards.

Highlights:

  • Earn three points per dollar spent on travel and dining at restaurants worldwide, one point per dollar spent on all other purchases.
  • Receive up to $300 in statement credits annually as a reimbursement for travel purchases.
  • Earn 50,000 points when you spend $4,000 in the first three months after opening the account. That's $750 in travel rewards when redeemed through Chase Ultimate Rewards program.

Who should get this card
If you spend big on travel and dining, the Chase Sapphire Reserve can be a good option.

It also offers top-of-the-line perks, as well, like access to more than 900 airport lounges worldwide and reimbursement for enrolling in TSA PreCheck.

While it has significant perks, this card's hefty $450 annual fee can certainly eat into rewards if you're not spending heavily on travel and dining out. It comes with a variable APR between 16.49 and 23.49 percent.

CARD SEARCH: Going somewhere? Compare the best airline and travel credit cards right now.

Chase Sapphire Preferred

This card's generous rewards, stellar sign-up bonus and low annual fee are hard to beat. It's a solid card for people scared off by the Sapphire Reserve's big annual fee.

Highlights:

  • Earn two points per dollar on travel and restaurants worldwide and one point per dollar on all other purchases.
  • Earn 50,000 points after spending $4,000 within the first three months of opening the account. That's $625 toward travel when redeemed through the Chase Ultimate Rewards program.
  • Earn 5,000 points when you add an authorized user within the first three months of opening an account.

Who should get this card
This card is ideal if you're looking for an everyday, low-fee travel card with great perks. It's especially useful if you're comfortable using the Chase Ultimate Rewards program -- when redeemed through the program, points are worth 25 percent more.

There's no introductory fee for the first year. After that, the fee is $95 per year. It has a variable APR from 16.49 to 23.49 percent.

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Chase Ink Business Preferred

Ample bonus opportunities and points on business-related spending put the Chase Ink Business Preferred at the top of its class.

Highlights:

  • Earn three points per dollar on the first $150,000 spent annually on select categories, one point per dollar spent on all other purchases with no limit.
  • Earn 80,000 points when you spend $5,000 on purchases within the first three months of opening an account.
  • Points are worth 25 percent more when redeemed through the Chase Ultimate Rewards program

Who should get this card
This card is a solid option if you spend heavily on the card's bonus categories. It's also worth consideration if you plan on spending at least $5,000 within the first three months to earn the bonus, which is equal to $1,000 toward travel when redeemed through the Chase Ultimate Rewards program.

While it offers generous perks, this card comes with an annual fee of $95. You'll need to make sure you spend enough to earn rewards that cancel out the fee.

Follow me on Twitter: @MitchStrohm

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6 Comments
Pauline
February 19, 2017 at 9:54 pm

I was very insulted by letter I received from you today!
I gave you my address a Ss#.
Look me up on Google!
I am not send a bill to verify where I live!
This was so stupid on your part !
I will find another company!
Thanks for nothing!
Pauline

Ponds of Plenty!

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