Best Chase Credit Cards of 2018

The best Chase credit cards come with top-notch rewards, big bonus opportunities and long introductory no-interest periods. A number of Chase cards rank highly among the best credit cards in categories like cash-back rewards, travel, and business credit cards. Here are the best Chase credit cards in various categories.

Editors' Picks: Best Chase Credit Cards of 2018

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Best for flat-rate cash back

chase-freedom-unlimited-040418.png Card Image
Apply Now ON Chase Freedom Unlimited®'s secure website

Chase Freedom Unlimited®

Recommended Credit Score:
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.

300 850
0% Intro APR on Purchases for 15 months
Purchases intro APR
0% Intro APR on Balance Transfers for 15 months
Balance Transfers intro APR
16.74% - 25.49% Variable
Regular APR
$0
Annual Fee

Bankrate Score

92 out of 100

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% 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-040418.png Card Image
Apply Now ON Chase Sapphire Preferred® Card's secure website

Chase Sapphire Preferred® Card

Recommended Credit Score:
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.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
17.74% - 24.74% Variable
Regular APR
$0 Intro for the First Year, then $95
Annual Fee

Bankrate Score

95 out of 100

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 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, 50,000 points are worth $625 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-082917.png Card Image
Apply Now ON Chase Freedom®'s secure website

Chase Freedom®

Recommended Credit Score:
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.

300 850
0% Intro APR on Purchases for 15 months
Purchases intro APR
0% Intro APR on Balance Transfers for 15 months
Balance Transfers intro APR
16.74% - 25.49% Variable
Regular APR
$0
Annual Fee

Bankrate Score

90 out of 100

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% 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: 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.

Highlights:

      • 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.

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.

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.

Follow me on Twitter: @MitchStrohm

* 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.