Chase Credit Cards

Chase offers credit cards that yield ample rewards in areas such as travel, cash back and business. Though the benefits are wide-ranging, your best option is the one that specifically meets your needs. Our experts have done the research to help you identify the Chase card that best suits your lifestyle.

Top Picks

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Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Best for flat-rate cash back

Chase Freedom Unlimited® Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Freedom Unlimited®

Rewards Rate:
Unlimited 1.5% cash back on every purchase — it's automatic!
Welcome Offer:
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:
0% Intro APR on Balance Transfers for 15 months
Regular APR:
17.24% - 25.99% Variable

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply

Best for travel rewards

Chase Sapphire Preferred® Card Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Sapphire Preferred® Card

Rewards Rate:
2X points on travel and dining at restaurants worldwide 1 point per dollar spent on all other purchases
Welcome Offer:
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®
Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
18.24% - 25.24% Variable

Card Details

  • 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Terms and Restrictions Apply

Best for rotating cash back bonus categories

Chase Freedom® Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Freedom®

Rewards Rate:
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic
Welcome Offer:
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:
0% Intro APR on Balance Transfers for 15 months
Regular APR:
17.24% - 25.99% Variable

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Bankrate Staff | Last Updated: March 19, 2019

Have questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


What you need to know about Chase credit cards

Chase offers several credit card options for different needs. But the most important thing to consider is how your most ideal Chase card can best enhance your current financial situation. Just as Chase has strategically designed credit cards for maximum value, you need to approach your card selection process just as strategically. Here is a deeper dive into our favorite Chase cards, and some tips on how you can make them work most in your favor.

Table of Contents

How we chose our favorite Chase credit cards

Our experts at Bankrate extensively reviewed Chase’s credit card offerings for 2019. The team of credit card aficionados evaluated the available cards against Bankrate’s scoring method and awarded each Chase card a total score out of 100.

Chase is well known for having some of the most generous sign-up bonuses and travel rewards available, but it all depends on what you are looking for. Therefore, we have tried to identify the best cards of 2019 for a few different scenarios, as we know that the perfect credit card depends on what you need. We have put in the legwork so you don’t have to.

Scoring matrix

At Bankrate, our team of credit card experts evaluated Chase credit cards on various attributes like the travel rewards and perks, how easy rewards are to redeem, annual fees, sign-up bonuses, APR, and much more.

Bankrate’s top picks for Chase credit cards

Card Name Best for Bankrate Review Score
Chase Freedom Unlimited® Flat-rate cash back 92/100
Chase Sapphire Preferred® Card Travel rewards 95/100
Chase Freedom® Rotating cash back bonus categories 90/100

Chase Freedom Unlimited: Best flat-rate cash back card

This card ranks among the best cash-back credit cards available for 2019. It offers generous rewards and a decent sign-up bonus. 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. The Freedom Unlimited also offers a 0 percent, 15-month introductory APR period 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 17.24% – 25.99%.

Pros:

  • 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.

Cons:

  • 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.
  • There’s a 3% foreign transaction fee for purchases made outside the U.S.
  • The card charges a balance transfer fee of 3% of the amount transferred, $5 minimum.

If you want to learn more, read our Chase Freedom Unlimited review.

Chase Sapphire Preferred® Card: Best travel credit 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 but who still want decent travel rewards for 2019. If you’re looking for an everyday, low-fee travel card with great perks, this card is ideal. 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.

Pros:

  • Earn two points per dollar on travel and restaurants worldwide and one point per dollar on all other purchases.
  • 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®

Cons:

  • If you aren’t comfortable using the Chase Portal you miss out on maximizing your rewards points value.

If you want to learn more, read our Chase Sapphire Preferred review.

Chase Freedom®: Best for rotating cash back bonus categories

For anyone willing to put in a little bit of work, you can really maximize your returns from the Chase Freedom card. The card pays an unlimited 1% back on all purchases, with bonus cash-back categories that rotate quarterly. For instance, one quarter might be 5% back on restaurant spending. You do have to enroll and there is a $1,500 in combined purchases limit each quarter. For those who have more of a set-it-and-forget-it mentality and therefore don’t want to deal with rotating categories, choose a flat-rate cash back card like the Chase Freedom Unlimited. Anyone who likes to travel, or plans to in 2019, can boost the value of their rewards points if they pair this card with a Chase Sapphire Preferred or Reserve to maximize their Ultimate Rewards points.

Pros:

  • Flexible redemption. You can redeem your points as statement credit, cash-back deposit to your bank account, or transfer them as Chase Ultimate Rewards points to an eligible Chase Ultimate Rewards points card.
  • Earn $150 sign-up bonus when you spend at least $500 within the first three months of card ownership.

Cons:

  • You have to remember to enroll online to earn rewards from the cash-back bonus categories, although Chase will email you to remind you about this.
  • There are flat-rate cash back cards offering as much as 2% if you want a more hands-off approach.
  • You will incur a 3% foreign transaction fee on purchase made outside the U.S.

If you want to learn more, read our Chase Freedom review.


What is Chase?

JP Morgan Chase is a multinational financial services company headquartered in New York City. It is the largest bank and one of the oldest financial institutions in the United States. Its strategic growth isn’t showing signs of slowing down anytime soon. According to JP Morgan Chase’s 2018 Strategic Update, they hold 22% of the credit card sales market share. Specifically, the Chase Sapphire Reserve sits at a 90% retention rate and a $39,000 annual spend.

Statistics:

-Average income: $180,000
-Average FICO score: 785
-Average annual sales volume (card spend): $39,000
-Sales active rate (number of cards with greater than zero gross sales divided by total open accounts): 96%
-Renewals: 90%+

With 6 trillion estimated credit and debit card spend, Chase continues to grow as one of the largest issuers in the business.

Source: JP Morgan Chase Strategic Update 2018

The Chase brand is not only dedicated to banking services, including credit cards, personal and commercial lending, but also to community service. They employ multifaceted initiatives toward supporting economic growth by empowering the next generation’s financial leaders. See how they invest in customers and communities.

Why choose Chase as your credit card issuer?

Chase offers 26 different credit cards to meet business, student, cash back, travel and other consumer credit needs. With so many options, you are likely to find exactly what you want for 2019 among their featured cards. In addition, Chase Ultimate Rewards is one of the more lucrative rewards programs out there.
The two most effective ways to earn Chase Ultimate Rewards points is to make purchases with your Chase card and to access Shop Through Chase. There, you’ll find retailers and special offers, such as “2x points/2% cash back at Office Depot.” You can select a special offer, go to that retailer’s website and make purchases to earn rewards.

Some of the other Chase and Chase affiliate cards have strengths in the following areas:
-Chase Sapphire Reserve®: travel rewards similar to the Sapphire Preferred
Ink Business UnlimitedSM Credit Card: flat-rate business rewards
-Ink Business PreferredSM Credit Card: overall business rewards value
-Ink Business CashSM Credit Card: best business value with no annual fee
-British Airways Visa Signature® Card: best for Avios bonus
-UnitedSM Explorer Card: best for United miles
-Southwest Rapid Rewards® Plus Credit Card: rewards for Southwest travelers

Outside of rewards, there is a large amount of benefits that come with having a Chase card. Some Chase cards include the following:
-No foreign transaction fees
-Extended warranties
-Fraud protection
-Purchase protection
-Return protection
-Trip cancellation/interruption insurance
-Primary auto rental collision damage waiver
-Lost luggage reimbursement
-Trip delay reimbursement
-Emergency evacuation and transportation

According to their website, Chase “serves nearly half of U.S. households with a broad range of products.” As a massive international bank, Chase can connect cardholders with a host of financial services and products to which smaller issuers may not be privy. Cardholders can leverage their relationship with the bank for mortgages, auto loans, investment vehicles and more.

Chase Online allows members to handle all their financial transactions in one secure location. Chase Mobile offers mobile access, including mobile deposits and payments – which makes being a Chase cardholder a convenient way to go.

How to choose the best Chase card for you

It’s easier to find an ideal match for a credit card by keeping the focus where it needs to be — on you.

Before you compare cards in our Category, Credit Needed and Issuer sections, think about how you see yourself as a cardholder and a consumer.

  • No-frills: Maybe you’re not interested in rewards programs, bonuses or perks, but just the convenience of using a credit card.
  • Traveler: Some of the most valuable cards on the market help consumers travel more affordably (and even more luxuriously) by offering rewards for certain purchases. For example, earning 2x points for making travel purchases with the Chase Sapphire Preferred means higher luxury yield potential for you
  • Family shopper: It’s pretty easy to find a rewards card geared toward supermarket, wholesale club and gas station purchases.
  • Entrepreneur: Credit cards designed specifically for business use can do things that a personal credit card cannot. Cards such as the Ink Business Unlimited, the Ink Business Cash and the Ink Business Preferred each provide great business rewards value with little to no annual fee.
  • Rewards tracker: Many rewards cards offer bonus categories for certain types of purchases at different times of the year. You’ll need to keep track of the categories and adjust your spending habits to take full advantage.
  • Rewards purist: On the other hand, a lot of cards keep their rewards programs simple by maintaining the same purchase categories.
  • Financier: A balance transfer card like the Chase Slate, Chase Freedom or Chase Freedom Unlimited can help you pay down debt from another card with less interest by offering a 0% APR introductory period.

Remember, your choice of credit card should revolve around you — your financial situation, your priorities, even your interests. Whether you’re a frequent traveler, partial to flat-rate cash back, or experienced with rotating categories, Chase has options that can flow as you do.

How can I prepare to apply for my Chase credit card?

Part of the process of identifying the credit card for you is understanding how you can best prepare for your card to arrive.

Credit score

Each of Chase’s credit cards come with a recommended good-excellent (670 – 850) credit score to be approved. This means that you need to be in at least good credit standing when you apply.

If you’re working toward improving your credit score, but feel that you have too many open credit card accounts, avoid closing them all at once. You might think closing them will improve your credit score, but it can hurt, not so much because you closed the account, but because it could lower your utilization ratio, which compares your available credit to your balances. The lower the ratio the better. (Keep in mind that if you do close an account, your good habits will stay on your credit accounts for 10 years.)

One way to improve your score is to maintain a manageable amount of active accounts in order to keep your credit utilization ratio low and to build credit with on-time payment history.

On the other hand, if you need to build credit history, be careful not to apply for too many accounts at once. Start with one or two and establish a consistent payment history.

The 5/24 Rule

In preparation for applying for your Chase card, it’s important to be aware of how many other cards are in your wallet. The 5/24 rule was applied to all Chase cards in June 2016. It states that to be approved, you can’t have opened five or more personal credit card accounts in the 24 months prior to your application.

Be aware that Chase doesn’t track which accounts are no longer open, only the ones you’ve opened within the 24-month window. Access your credit report and track your accounts according to the dates they were opened. This will help you plan ahead.

The 2/30 Rule

According to the 2/30 Rule, you can’t have more than two applications pending every 30 days. If you do, you’ll be automatically rejected. This mainly has to do with the amount of times your credit score is pulled during application.

If you apply for two cards at the same time with the same issuer, your credit score will only be pulled once, which should help you in the process.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.