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Author: Mitch Strom, @MitchStrohm | Last Updated: September 6, 2018
Editor’s analysis on some of the best Chase credit cards
Chase Freedom Unlimited
This card ranks among the best cash-back credit cards available. It offers generous rewards and a decent sign-up bonus.
- Earn an unlimited 1.5 percent cash back on every purchase.
- Earn a $150 bonus after you spend $500 on purchases in your first three months from account opening
- 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 16.74 to 25.49 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.
Chase Sapphire Preferred® Card
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 Chase Sapphire Reserve’s® big annual fee.
- 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.
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 17.74 to 24.74 percent.
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