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By: Mitch Strom, @MitchStrohm

Updated: August 14, 2018

Editor’s analysis on 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

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 the first authorized user and make a purchase within the first three months of account opening.

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.

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.

It has a variable APR of 17.74 to 22.74 percent.

Quick recap
Card Highlight Annual fee
Chase Freedom Unlimited Earn unlimited 1.5% cash back on every purchase $0
Chase Sapphire Preferred Card Chase Sapphire Preferred — Earn 2X points for every dollar spent on travel and dining Introductory Annual Fee of $0 the first year, then $95

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