Best for flat-rate cash back

Chase Freedom Unlimited®

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% on Chase travel purchased through Ultimate Rewards®. Earn 3% on dining and drugstores. Earn unlimited 1.5% cash back on all other purchases.
  • Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Regular APR: 14.99 - 23.74% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best for cash back in multiple categories

Chase Freedom Flex℠

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. 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! Earn 5% on Chase travel purchased through Ultimate Rewards®. Earn 3% on dining and drugstores. Earn 1% on all other purchases.
  • Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Regular APR: 14.99 - 23.74% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best for luxury travel

Chase Sapphire Reserve®

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out. 1 point per $1 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 $900 toward travel when you redeem through Chase Ultimate Rewards®
  • Regular APR: 16.99%-23.99% Variable
  • Recommended Credit Score: Excellent  (740 - 850)
Terms and Restrictions Apply

Best for all-around travel

Chase Sapphire Preferred® Card

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel. 1 point per dollar spent on all other purchases.
  • Welcome Offer: Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Regular APR: 15.99%-22.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best for the small business owner

Ink Business Unlimited® Credit Card

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn unlimited 1.5% cash back on every purchase made for your business
  • Welcome Offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Regular APR: 13.24% - 19.24% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best for balance transfers

Chase Slate Edge℠

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: N/A
  • Welcome Offer: Receive a $100 bonus on your statement when you spend $500 in your first six months from account opening.
  • Regular APR: 14.99 - 23.74% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best for everyday business purchases

Ink Business Cash® Credit Card

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • Welcome Offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Regular APR: 13.24% - 19.24% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best Chase card for business travel

Ink Business Preferred® Credit Card

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
  • Welcome Offer: Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Regular APR: 15.99%-20.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best Southwest starter card

Southwest Rapid Rewards® Plus Credit Card

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn 3X points on dining, including takeout and eligible delivery services, for the first year. Earn 2 points per $1 spent on Southwest® purchases. Earn 1 point per $1 spent on all other purchases.
  • Welcome Offer: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
  • Regular APR: 15.99% - 22.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best Southwest value card

Southwest Rapid Rewards® Premier Credit Card

Apply Now On Chase's secure website
Top Features
  • Rewards Rate: Earn 3X points on dining, including takeout and eligible delivery services, for the first year. Earn 2 points per $1 spent on Southwest® purchases. Earn 1 point per $1 spent on all other purchases.
  • Welcome Offer: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
  • Regular APR: 15.99% - 22.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)
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.


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.

What is the Chase financial company?

JPMorgan Chase & Co. is a global financial services firm based in New York City. With a history that goes back more than 200 years, Chase is one of the oldest financial institutions in the United States.

Services provided by Chase include banking, asset management and financial transaction processing. Chase is recognized as an industry leader in digital banking, thanks in part to the popularity of the Chase Mobile® app.

The firm is also among the country’s largest credit card issuers. Here are some highlights of Chase’s credit card business detailed in its 2020 annual report:

  • Number one U.S. credit card issuer based on sales and outstandings
  • 55 million active digital customers in the U.S. in 2020
  • Serves over 63 million U.S. households and 4.3 million small businesses
  • Number one PPP lender in terms of dollars

Chase offers several different types of credit cards, including high end cards for cash back, travel rewards and business rewards.

Who should get a Chase credit card?

Chase cards come with a wide range of benefits and top-notch rewards. Many Chase credit cards offer 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 its 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. Plus, Chase’s prominence as a provider has led to its cards being widely accepted on a worldwide scale. 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.

Rewards and travel

In addition to the benefits and accessibility, Chase offers cardholders one of the industry’s signature rewards programs. Chase Ultimate Rewards lets you earn and redeem points for cash back, statement credits, gift cards or travel rewards. Also, you get extra points value when you redeem for travel through Chase Ultimate Rewards if you carry a card like the Chase Sapphire Preferred or Chase Sapphire Reserve.

Chase also lets you connect with several well-known travel loyalty programs. You can use the rewards portal to transfer points at a 1:1 or better rate to JetBlue, Southwest, United, Marriott, Hyatt and more.

Chase Ultimate Rewards also provides opportunities for exclusive deals through Shop Through Chase and Chase Offers.

Pay Yourself Back

Chase began offering the Pay Yourself Back feature in early 2020, allowing cardholders to redeem their rewards on past purchases with better value (typically boosted from 25 to 50 percent). The feature is available with the Sapphire series and other select Chase cards until September 30, 2021. You can select a qualifying purchase made in the past 90 days, then redeem some (or all) of your points from the transaction and receive a statement credit.

Some cards have more flexibility within the program, but as of now the following Chase cards offer Pay Yourself Back:

Bankrate’s top picks for Chase credit cards

Card Name Best For Bankrate Review Score
Chase Freedom Unlimited® Flat-rate cash back 4.6 / 5
Chase Freedom Flex℠ Cash back in multiple categories 4.0 / 5
Chase Sapphire Reserve® Luxury travel 4.5 / 5
Chase Sapphire Preferred® Card All-around travel 4.1 / 5
Ink Business Unlimited® Credit Card Best small business owner 3.9 / 5
Chase Slate Edge℠ Best for balance transfers 3.1 / 5
Ink Business Cash® Credit Card Best for everyday business purchases 4.1 / 5
Ink Business Preferred® Credit Card Best Chase card for business travel 3.8 / 5
Southwest Rapid Rewards® Plus Credit Card Southwest starter card 3.7 / 5
Southwest Rapid Rewards® Premier Credit Card Best Southwest value card 3.7 / 5
Southwest Rapid Rewards® Priority Credit Card Best overall Southwest card 3.6 / 5

A closer look at our top-rated Chase cards

Chase Freedom Unlimited®: Best flat-rate cash back card

With the Chase Freedom Unlimited, you’ll earn at least 1.5% cash back on all eligible purchases, unlimited. The sign-up bonus is $200 after you spend $500 on purchases in your first 3 months. Plus, the card offers a competitive intro APR offer on purchases. If you’re looking for a simple way to earn cash back rewards, look no further. The Freedom Unlimited also acts as a great supplemental card to the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve.

Pros:

  • Earn 5% on travel purchased through Chase, 3% at drugstores, 3% on dining at restaurants, and 1.5% on all other purchases.
  • Take advantage of 0% APR for 15 months on new purchases (14.99% – 23.74% variable APR applies after the intro period ends).

Cons:

  • Quite a few cards offer higher rewards rates.
  • A 3% foreign transaction fee applies.

Read our full Chase Freedom Unlimited® review.

Chase Freedom Flex℠: Best for cash back in multiple categories

If you want exceptional cash back rewards, the Chase Freedom Flex offers a rare opportunity. Not many cash back cards earn the same kind of rates in such a wide variety of spending categories — restaurants, drugstores, travel purchased through Chase Ultimate Rewards and more. The great sign-up bonus enhances the card’s value.

Pros:

  • Elevated cash back rates in several categories, including Chase Ultimate Rewards travel purchases, drugstores and restaurants.
  • You can use the Chase Freedom Flex in the same rotating bonus categories as its predecessor, the Chase Freedom: 5 percent cash back each quarter when you activate on up to $1,500, then 1 percent
  • No annual fee

Cons:

  • No introductory 0% APR offer on balance transfers
  • Activation required each quarter for rotating bonus categories
  • Redeeming points on Amazon lowers value from 1 cent to .08 cent

Read our full Chase Freedom Flex℠ review.

Chase Sapphire Reserve®: Best luxury travel card

The Chase Sapphire Reserve will hold special appeal for a certain kind of traveler: one who not only travels often but also prefers to travel luxuriously. You can use the card’s numerous perks and benefits to improve your travel experience from the airport to the hotel and many points in between. This card has the potential to earn considerable rewards and gives you the option of transferring them to Chase travel partners at a 1:1 ratio, with no loss in points value. The Sapphire Reserve is Chase’s premier travel rewards card for good reason.

Pros:

  • Earn 3X points on dining worldwide; earn 3X points on travel worldwide after earning your $300 annual travel credit
  • Complimentary room upgrades and meals for you and a guest, special discounts and more through the The Luxury Hotel & Resort Collection℠
  • With Priority Pass™ Select, you get complimentary VIP airport lounge access and amenities including Wi-Fi and free snacks and beverages (one-time membership activation required)
  • Points gain 50% in value when you redeem for travel through Chase Ultimate Rewards®

Cons:

  • To recoup the $550 annual fee, it’s essential that you maximize the value of the card’s perks, benefits and rewards points.
  • You’ll probably need a credit score in the Excellent range (FICO Score 740-850, VantageScore 781-850) to get approved.

Read our full Chase Sapphire Reserve review.

Chase Sapphire Preferred® Card: Best all-around travel 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. 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 portal to redeem rewards.

Pros:

  • Earn 2X points per dollar on travel and restaurants worldwide and one point per dollar on all other purchases.
  • Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem for travel through Chase Ultimate Rewards®.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards

Cons:

  • If you aren’t comfortable using the Chase Ultimate Rewards portal, you miss out on maximizing your rewards points value.

Read our full Chase Sapphire Preferred® review.

Ink Business Unlimited® Credit Card: Best for the small-business owner

If you’re an entrepreneur or small-business owner looking to earn rewards while investing in your labor of love, this may be the card for you. Chase keeps the rewards structure for this card straightforward and simple: earn unlimited 1.5% cash back for every purchase made for your business. Plus, you’ll get a $750 bonus cash back after you spend $7,500 on purchases in the first 3 months of account opening. If you’re looking for a way to rack up the cash back rewards for the purchases to make to keep your business running, this card is a solid choice.

Pros:

  • This card offers a 0% intro APR period on purchases for the first 12 months of account opening (variable 13.24%-19.24% thereafter).
  • You can add employee cards to your account at no additional cost.

Cons:

  • There’s a 3% foreign transaction fee, so keep it in mind if you travel out of the U.S. for business or make online purchases from vendors based overseas.
  • You need a minimum of 2,000 points to redeem your rewards.

Read our full Ink Business Unlimited® Credit Card review.

Chase Slate Edge℠

Best for balance transfers

  • This card is best for: Those who want to transfer a balance or consolidate debt. The Chase Slate Edge offers new cardholders a full 12 months to pay down a transferred balance without accruing interest (intro offer) and a balance transfer fee of just 3 percent or $5 (whichever is greater in the first 60 days). After that, the ongoing APR is 14.99% – 23.74% variable.
  • This card is not a great choice for: Rewards seekers. You won’t earn points with this card, so it’s more geared toward aspiring credit builders and debt tacklers.
  • What makes this card unique? Spending just $500 in the first six months and making timely payments will automatically make you eligible for a credit line increase. Plus, if you spend $1,000 by your next account anniversary and make timely payments, you’ll automatically be considered for a 2 percent APR reduction.
  • Is the Chase Slate Edge worth it? For those looking forward to a better financial future, this card can help. If paying down your balance and building credit is more important to you than earning rewards, the Chase Slate Edge may be well worth it.

Read our full Chase Slate Edge review.

Ink Business Cash® Credit Card: Best for everyday business purchases

The Ink Business Cash Credit Card provides a unique rewards structure that other business cards may not, making it a useful choice for the rewards-seeking business owner. Not only can you earn 5% cash back (on the first $25,000 in combined purchases each anniversary year) spent at office supply stores and on internet/cable/phone services, but you’ll also have the opportunity to earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants, and an unlimited 1% cash back on everything else. It’s an easy way to earn cash back for common business purchases.

Pros:

  • You’ll be able to take advantage of 0% intro APR on purchases for the first 12 months of account opening (variable APR 13.24%-19.24% thereafter).
  • Generous sign-up bonus: You can earn $750 cash back after you spend $7,500 on purchases in the first 3 months after opening your account.

Cons:

  • There’s a combined $25,000 purchase limit in the 5% bonus category.
  • You’ll have to pay a 3% foreign transaction fee.

Read our full Ink Business Cash review.

Ink Business Preferred® Credit Card: Best Chase card for business travel

The Ink Business Preferred’s value as a business travel card has three parts. First, it earns 3x points per $1 on travel, along with shipping and technology purchases, on the first $150,000 spent in combined purchases per year. Second, you can transfer points to more than a dozen airline and hotel partners at a 1:1 ratio. Third, spending $15,000 in the first three months qualifies you for the 100,000-point sign-up bonus worth $1,250 in travel booked through Chase Ultimate Rewards.

Pros:

  • Generous sign-up bonus of 100,000 points (worth $1,250 in travel booked through the Chase Ultimate Rewards portal) you spend $15,000 in the first three months of owning the card.
  • It has no foreign transaction fees.

Cons:

  • If your business doesn’t involve a lot of travel, you probably won’t get the full value of the bonus category or the sign-up bonus.
  • It charges a $95 annual fee.

Read our full Ink Business Preferred review.

Southwest Rapid Rewards® Plus Credit Card: Best Southwest starter card

The Rapid Rewards Plus offers a low-cost opportunity to learn the basics of airline credit cards. For a relatively modest $69 annual fee, you’ll earn 2 points per dollar on Southwest purchases and 1 point per dollar on all other eligible purchases. The card offers standard Southwest benefits such as no blackout dates or seat restrictions, but you won’t get the larger anniversary bonuses or high-level perks available with other Rapid Rewards cards. All in all, it’s a handy introduction to travel rewards and the Southwest Rapid Rewards program.

Pros:

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 2 points per $1 spent on Southwest purchases, 1 point per $1 on other purchases
  • All points earned count toward Companion Pass, a signature Southwest perk

Cons:

  • 3% foreign transaction fee
  • No annual travel credit or boarding upgrades

Read our full Southwest Rapid Rewards® Plus Credit Card review.

Southwest Rapid Rewards® Premier Credit Card: Best Southwest value card

If you’re somewhere between a travel rewards rookie and a jet-setter, you might find balance and value with the Rapid Rewards Premier card. The rewards rates are comparable to similar Southwest cards, 2 points per $1 on Southwest purchases along with 1 point per $1 on all other eligible purchases, but the Rapid Rewards Premier has a lower annual fee than the Rapid Rewards Priority ($99 vs. $149). No foreign transaction fees means avoiding extra costs on overseas purchases. It’s a happy medium for loyal Southwest travelers focused on overall value.

Pros:

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 2 points per $1 spent on Southwest purchases, 1 point per $1 on other purchases
  • No foreign transaction fee

Cons:

  • No boarding upgrades
  • No annual Southwest travel credit

Read our full Southwest Rapid Rewards® Premier Credit Card review.

Southwest Rapid Rewards® Priority Credit Card: Best overall Southwest card

The Rapid Rewards Priority is the top-of-the-line Southwest card for consumers. The rewards rates (2 points per dollar spent on Southwest purchases, 1 point per dollar on all other eligible purchases) are the same as similar Southwest cards, but you’ll get quite a bit more in the way of perks and benefits. They include 7,500 bonus points after your Cardmember anniversary each year (compared with 6,000 points with the Rapid Rewards Premier), plus a $75 annual Southwest travel credit (which the Premier and Plus cards don’t offer). Frequent Southwest flyers looking to enhance their travel experience will find a lot to like.

Pros:

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 2 points per $1 spent on Southwest purchases, 1 point per $1 on other purchases
  • 4 Upgraded Boardings per year when available
  • 20% back on in-flight drinks and W-Fi

Cons:

  • $149 annual fee
  • Points can’t be used for amenities such as extra bags or security fees

Read our full Southwest Rapid Rewards® Priority Credit Card review.


How to decide which Chase card is right 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 start comparing Chase cards, think about how you see yourself as a cardholder and a consumer. Chase credit cards that might match up with your interests and goals include:

Versatile cash back

The Chase Freedom Unlimited is a great choice for earning 1.5 percent cash back on most everyday purchases and even higher rates in other categories such as dining and drugstore purchases and travel purchased through Chase Ultimate Rewards.

Travel rewards

If you’re interested in travel rewards and perks to enrich the overall travel experience, Chase offers the Chase Sapphire Preferred Card and the Chase Sapphire Reserve.

Bonus cash back categories

The Chase Freedom Flex improves on the Freedom Unlimited card’s cash back potential with the addition of rotating bonus categories. You earn 5 percent cash back in these categories on up to $1,500 in purchases each quarter and then 1 percent (activation required).

Small business rewards

Credit cards designed specifically for business use can do things that a personal credit card cannot. The Ink Business Preferred Credit Card is recommended for business travel rewards while the Ink Business Unlimited Credit Card is a solid choice for flat-rate cash back.

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

A good or excellent credit score (670 – 850) is typically recommended. If you don’t know your current credit score, checking it for free is fairly easy.

If you’re working toward improving your credit score, be aware of how credit card applications can affect it in terms of hard pulls vs. soft pulls. An application that triggers a hard credit inquiry, or hard pull, can temporarily lower your credit score. You can avoid a hard pull by looking for pre-approval offers that use a soft pull.

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.

How we chose our top Chase credit cards

Bankrate’s personal finance experts have evaluated the top Chase credit cards according to our 5-star rating system. The list of criteria includes:

APR

How the card’s annual percentage rate (APR) compares with current averages as an indicator of cost and value.

Rewards

Whether the card offers strong rewards for travel points/miles or across multiple categories for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).

Perks and benefits

Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance, luxury benefits and financial management tools.

Annual fee

Whether the card charges an annual fee and if so, how much the card’s overall value and benefits might offset the fee.

Introductory offers

Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card’s overall value.

Foreign transaction fee

Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card’s overall value.


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

about the author
Upon graduating with a Bachelor’s degree concentrated in Finance, Joey worked at “Big Four” (Ernst and Young) accounting firm before exploring the world of credit cards. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like Bankrate, CreditCards.com and NextAdvisor. Hi...
about the editor
Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina. Send your questions about credit cards (and fantasy baseball) to bbridges@bankrate.com. ...

* 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.