Best for all-around travel

Chase Sapphire Preferred® Card

Apply now
On Chase's secure site
Rewards rate
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.
Intro offer
60,000 points 
Annual fee
$95
Regular APR
18.99% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for flat-rate cash back

Chase Freedom Unlimited®

Apply now
On Chase's secure site
Rewards rate
  • 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% 1.5% on all other purchases
Intro offer
Earn an Additional 1.5% Cash Back 
Annual fee
$0
Regular APR
17.99% - 26.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro offer
100,000 points 
Annual fee
$95
Regular APR
18.99% - 23.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for everyday business purchases

Ink Business Cash® Credit Card

Apply now
On Chase's secure site
Rewards rate
  • 5% 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
  • 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro offer
$900 
Annual fee
$0
Regular APR
16.24% - 22.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for small-business owners

Ink Business Unlimited® Credit Card

Apply now
On Chase's secure site
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
$900 
Annual fee
$0
Regular APR
16.24% - 22.24% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 1% Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
Intro offer
$50 Bonus 
Annual fee
$0
Regular APR
17.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for cash back category diversity

Chase Freedom Flex℠

Apply now
On Chase's secure site
Rewards rate
  • 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1% Unlimited 1% cash back on all other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
17.99% - 26.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for luxury travel

Chase Sapphire Reserve®

Apply now
On Chase's secure site
Rewards rate
  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases
Intro offer
80,000 points 
Annual fee
$550
Regular APR
19.99% - 26.99% Variable
Recommended credit
Excellent (740 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 2X Earn 2X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, and phone services, and select streaming.
  • 1X Earn 1 point for every $1 spent on all other purchases.
Intro offer
Earn 75,000 points 
Annual fee
$69
Regular APR
18.99% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, and phone services, and select streaming.
Intro offer
Earn 75,000 points 
Annual fee
$99
Regular APR
18.99% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, and phone services, and select streaming.
Intro offer
Earn 75,000 points 
Annual fee
$149
Regular APR
18.99% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best starter Marriott card

Marriott Bonvoy Bold® Credit Card

Apply now
On Chase's secure site
Rewards rate
  • 14X Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • 2X 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1X 1X point for every $1 spent on all other purchases.
Intro offer
30,000 Points 
Annual fee
$0
Regular APR
18.99% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 17X Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 3X Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • 2X 2X points for every $1 spent on all other purchases.
Intro offer
Earn 3 Free Night Awards (each night valued up to 50,000 points) 
Annual fee
$95
Regular APR
18.99% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Compare Bankrate’s top picks for Chase credit cards

Card Name Best For Rewards Highlights Bankrate Review Score
Chase Sapphire Preferred Card All-around travel 5X points on travel booked through Chase Ultimate Rewards

3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)

2X points on other travel

5.0 / 5
(Read full card review)
Chase Freedom Unlimited Flat-rate cash back 5% cash back on travel booked through Chase Ultimate Rewards

3% cash back on drugstore and dining purchases (including eligible delivery services)

1.5% cash back on all other purchases

5.0 / 5
(Read full card review)
Ink Business Preferred Credit Card Business travel 3X points on the first $150,000 spent on travel and select business categories each account anniversary year (then 1X points) 4.5 / 5
(Read full card review)
Ink Business Cash Credit Card Everyday business purchases 5% cash back on the first $25,000 of combined office supply store, cable service and phone service purchases each account anniversary year

2% cash back on the first $25,000 of combined gas station and restaurant purchases each account anniversary year

4.6 / 5
(Read full card review)
Ink Business Unlimited Credit Card Small business owners 1.5% cash back on all purchases 4.2 / 5
(Read full card review)
Chase Freedom Student credit card Students 1% cash back on all purchases 3.4 / 5
(Read full card review)
Chase Freedom Flex Cash back category diversity 5% cash back on activated bonus category purchases (up to $1,500 each quarter, then 1%)

3% cash back on drugstore and dining purchases (including eligible delivery services)

4.8 / 5
(Read full card review)
Chase Sapphire Reserve Luxury travel 10X points on Chase Dining purchases, hotel stays and car rentals through Chase Ultimate Rewards

5X points on air travel through Chase Ultimate Rewards (after earning the $300 travel credit)

3X points on general travel and dining purchases

5.0 / 5
(Read full card review)
Southwest Rapid Rewards Plus Credit Card Southwest starter card 2X points on Southwest hotel partners, car rental partners and other Southwest purchases

2X points on local transit and commuting (including rideshares), plus internet service, cable service, phone service and select streaming service purchases

4.6 / 5
(Read full card review)
Southwest Rapid Rewards Premier Credit Card Southwest value 3X points on Southwest purchases

2X points on Southwest hotel and car rental partners

2X points on local transit and commuting (including rideshares), plus internet service, cable service, phone service and select streaming service purchases

4.0 / 5
(Read full card review)
Southwest Rapid Rewards Priority Credit Card Overall Southwest card 3X points on Southwest purchases

2X points on Southwest hotel and car rental partners

2X points on local transit and commuting (including rideshares), plus internet service, cable service, phone service and select streaming service purchases

4.5 / 5
(Read full card review)
Marriott Bonvoy Bold Starter Marriott card Up to 14X total points at hotels participating in Marriott Bonvoy program

2X points on other travel purchases

3.7 / 5
(Read full card review)
Marriott Bonvoy Boundless Free hotel stays Up to 17X total points at hotels participating in Marriott Bonvoy program

3X points at grocery stores, gas stations, and dining (on your first $6,000 in combined spending in these categories each year)

2X points on all other purchases

4.7 / 5
(Read full card review)

A closer look at our top-rated Chase credit cards

Chase Sapphire Preferred Card: Best for all-around travel

  • What we love about Chase Sapphire Preferred: The Chase Sapphire Preferred paves the way as a more affordable travel card with remarkable premium perks for a low $95 annual fee, including top-notch travel protections, account anniversary bonus points and annual hotel credits. Despite the low cost, you’ll still reap rewards from lucrative bonus categories and enjoy a 25-percent point value boost toward travel through Chase Ultimate Rewards.
  • Who this card is good for: Both infrequent travelers and rewards aficionados (especially people with Chase cash back cards already) who want an affordable travel card with notable perks, but also plenty of flexible redemption options.
  • Alternatives: While the Sapphire Preferred is one of the most affordable annual fee cards in the travel space, some people may want to skip the annual fee altogether. If you want to stay loyal to Chase, the Chase Freedom Unlimited cash back card offers similar rewards rates for dining and Chase Ultimate Rewards purchases. However, the Capital One Venture Rewards Credit Card may be worth considering instead if the Sapphire Preferred’s rewards program requires too much micromanaging.

Read our full Chase Sapphire Preferred Card review.
Jump back to offer details.

Chase Freedom Unlimited: Best for flat-rate cash back

  • What we love about the Chase Freedom Unlimited: A flat 1.5 percent cash back rate on all purchases isn’t competitive since many competing cards offer the same rate. However, its unlimited, 3 percent cash back on dining and drugstore purchases make the Freedom Unlimited an impressive flat-rate option, and a cornerstone of any Chase rewards strategy.
  • Who this card is good for: Spenders with diverse expenses that want a one-size-fits-all card. Thanks to its flexible rewards approach, the Freedom Unlimited can either stand on its own as your only rewards card or fit seamlessly into an existing Ultimate Rewards strategy if you’re already a Chase travel cardholder.
  • Alternatives: If you’d like a potentially more rewarding Chase option but you enjoy the Freedom Unlimited’s unique selling points, the Chase Freedom Flex offers rotating 5 percent cash back categories (up to $1,500 per activated quarter, then 1 percent) for no annual fee as well. However, a 2 percent flat-rate cash rewards card like the Wells Fargo Active Cash® Card may be a better option if you won’t use the Freedom Unlimited’s 3 percent categories often.

Read our full Chase Freedom Unlimited review.
Jump back to offer details.

Ink Business Preferred Credit Card: Best for business travel

  • What we love about the Ink Business Preferred: The sign-up bonus on this card is one of the best around, especially for business owners that can easily hit the spending requirement with business expenses. The $95 annual fee is also low for a business card while still offering some of the best business benefits in its price range, including a 25 percent reward value redemption boost toward Chase travel and significant bonus category coverage for both domestic and travel business expenses.
  • Who this card is good for: Frequent business travelers or big business spenders who want to take advantage of the low annual fee compared to other premier business travel cards. Chase cardholders with either business or personal cards will be able to use the Ink Business Preferred as a tentpole in their card pairing strategy as well. However, the card’s $150,000 spending limit for 3X categories makes it better for small businesses operating within that budget.
  • Alternatives: If the annual fee is what’s holding you back on this Ink business card, there are two others available from Chase, including the Ink Business Cash Credit Card and the Ink Business Unlimited Credit Card, both cards with no annual fee. Although the Business Cash card’s rewards structure is more similar to the Business Preferred’s, the Business Unlimited card’s 1.5 percent flat-rate cash back may be better for smaller startups and side hustles without specialized expenses.

Read our full Ink Business Preferred Credit Card review.
Jump back to offer details.

Ink Business Cash Credit Card: Best for everyday business purchases

  • What we love about the Ink Business Cash: The Ink Business Cash is a well-rounded, easy-to-manage business card that covers some of the most popular spending categories for brick-and-mortar businesses, including office supplies and internet services. You can also earn cash back on the road with purchases at gas stations and on business meals, offering some of the highest rewards rates on these common expenses for no annual fee.
  • Who this card is good for: Small-business owners with modest budgets focused on office supplies and internet, cable and phone services, since these items earn an impressive 5 percent cash back (on the first $25,000 in combined purchases). If you have one or both of the other two Chase Ink cards, the Business Cash also makes for an excellent partner card.
  • Alternatives: If a spending cap will hold you back in any way, the Ink Business Unlimited card offers unlimited 1.5 percent cash back on all purchases you make for your business while still skipping the annual fee. The Ink Business Preferred is also an excellent alternative if you plan to fly more often than drive.

Read our full Ink Business Cash Credit Card review.
Jump back to offer details.

Ink Business Unlimited Credit Card: Best for small-business owners

  • What we love about the Ink Business Unlimited: The generous welcome bonus, high flat rewards rate and lack of an annual fee make this well-rounded card ideal for small startup business owners without a defined budget just yet. Whether you’re opening a brick and mortar storefront or an online product hub, all of your business expenses will be captured in the unlimited cash back rewards on all business purchases.
  • Who this card is good for: Entrepreneurs and small business owners who have a wide array of expenses to cover and can benefit from the unlimited rewards on all purchases. Like the Freedom Unlimited for personal cardholders, the Ink Business Unlimited’s flat-rate focus pairs well with other Chase business cards to maximize your rewards — especially if you have the Ink Business Preferred.
  • Alternatives: If you’re a fan of the Ink Business suite and a decent margin of your spending centers around office supplies and internet service, the Ink Business Cash has the potential to be a more lucrative alternative thanks to its higher rewards rates on a range of popular business expenses. If you’re willing to venture outside of Chase, the Capital One Spark Cash Plus offers 2 percent unlimited flat rewards on all purchases, but you’ll have to foot the bill for a $150 annual fee (that could be offset by your extra earnings, depending on how much you spend).

Read our full Ink Business Unlimited Credit Card review.
Jump back to offer details.

Chase Freedom Student credit card: Best for students

  • What we love about the Chase Freedom Student: One of the easiest cards to manage for those who are just getting started on their credit journeys, the Chase Freedom Student will cover any expense you need it for at the same cash back rate. The intro offer on the card is also one of the easiest to obtain, considering you only have to make one purchase in the first three months to gain access to an extra $50.
  • Who this card is good for: Students who want to try their hand at building great credit habits early while also earning some rewards in the process. This card’s $20 Good Standing Rewards (for up to five years on each account anniversary) reinforces good credit habits, and its ongoing APR (17.99 percent, variable) can be lower than many other student cards’ in case you need to carry a balance in a pinch.
  • Alternatives: Though the Chase Freedom Student is pretty hassle-free, there are many student cards on the market that offer stronger rewards rates — such as the Discover it® Student Cash Back card — if you’re willing to track bonus categories. The Capital One Quicksilver Student Cash Rewards Credit Card offers a higher flat rewards rate, but you’ll need to be wary of the card’s potentially sky-high ongoing APR if you carry a balance.

Read our full Chase Freedom Student credit card review.
Jump back to offer details.

Chase Freedom Flex: Best for cash back category diversity

  • What we love about the Chase Freedom Flex: You’ll have diverse reward opportunities thanks to its 5 percent cash back (up to $1,500 per activated quarter, then 1 percent) on rotating bonus categories and travel through Chase’s Ultimate Rewards portal. Although it’s not the only rotating category card on the scene, its unlimited dining and drugstore categories give it much more reliability and rewards potential year-round compared to the competition. The sign-up bonus is very easy to attain and as is custom with Chase Ultimate Rewards, your redemption options are great.
  • Who this card is good for: Rewards strategists and Chase loyalists who want to continue to build up points value with the Ultimate Rewards portal. If you don’t mind tracking and enrolling in bonus categories to reap maximum rewards, you’ll get a lot of leverage out of this card.
  • Alternatives: Tracking categories, quarterly spending caps and staying on top of enrollment dates isn’t ideal for some cardholders — especially since the Freedom Flex’s new categories are only announced a quarter in advance. If you’re still interested in rotating category cards’ stellar seasonal cash back, the Discover it® Cash Back may be more dependable strategy-wise since its quarterly categories are announced the year prior. Its Freedom Unlimited sibling card may be better if you prefer consistent rewards, however.

Read our full Chase Freedom Flex review.
Jump back to offer details.

Chase Sapphire Reserve: Best for luxury travel

  • What we love about the Chase Sapphire Reserve: The sky-high rewards value you’ll earn on travel and its variety of bonus categories is hard to beat, thanks to its quality transfer partners, stellar pairing opportunities and 50 percent rewards redemption value boost for Chase travel. However, a heaping helping of the card’s value comes from travel perks like its up to $300 in annual travel credits, Priority Pass Select airport lounge access, top-tier travel protections and Luxury Hotel and Resort Collection amenities.
  • Who this card is good for: Frequent travelers who invest in luxury perks. You’ll gain access to upcoming Chase Sapphire Lounge locations and a suite of other elite travel benefits, including some of the best travel insurance available plus enough privileges and statement credits to easily justify the annual fee if you prefer to travel in comfort.
  • Alternatives: A $550 annual fee is nothing to sneeze at, although you’ll get several top luxury benefits available in exchange. If you’re looking to invest in extra travel benefits without breaking the bank, choosing the Chase Sapphire Preferred or Capital One Venture X Rewards Credit Card instead can net you formidable (but fewer) travel perks for a more palatable $95 annual fee or $395 annual fee, respectively.

Read our full Chase Sapphire Reserve card review.
Jump back to offer details.

Southwest Rapid Rewards Plus Credit Card: Best Southwest starter card

  • What we love about the Southwest Rapid Rewards Plus Card: You can earn the same intro offer its higher tier Southwest sibling cards provide, along with similar rewards rates, for a much lower $69 annual fee.
  • Who this card is good for: Beginner travelers who prefer Southwest Airlines but don’t fly frequently enough to chase elite status. This card is also ideal for people who mainly fly domestic and find just as much value in ground travel and internet-related services.
  • Alternatives: Although the Southwest Rapid Rewards Plus card has the lowest annual fee, the Southwest Rapid Rewards Premier Credit Card is technically more cost-effective. The Premier card’s marginally higher $99 annual fee is easier to justify since you also receive a higher 6,000-point account anniversary bonus, which can be worth almost as much as the yearly fee costs.

Read our full Southwest Rapid Rewards Plus Credit Card review.
Jump back to offer details.

Southwest Rapid Rewards Premier Credit Card: Best Southwest value

  • What we love about the Southwest Rapid Rewards Premier Card: This card is the perfect middle ground in the Southwest suite, however it’s an excellent first Southwest card for more frequent flyers as well. The annual fee can be more justifiable than the base Southwest card’s since you’ll receive a much more valuable account anniversary bonus and a chance to earn bonus Tier-Qualifying Points (TQPs) toward elite status perks. Plus, the Premier card provides the same intro offer and rewards structure as Southwest’s highest tier card.
  • Who this card is good for: People who periodically fly with Southwest and may travel internationally. That’s because this card doesn’t charge foreign transaction fees — unlike the Rapid Rewards Plus card, which poses a 3 percent fee.
  • Alternatives: If you want a similar rewards structure but aren’t worried about flying often enough to take advantage of the Premier card’s enhancements, the Rapid Rewards Plus may be a better fit. However, regular Southwest passengers may benefit more from investing in the Southwest Rapid Rewards Priority Credit Card for its four annual boarding upgrades, higher anniversary bonus and $75 yearly Southwest travel credit.

Read our full Southwest Rapid Rewards Premier Credit Card review.
Jump back to offer details.

Southwest Rapid Rewards Priority Credit Card: Best overall Southwest card

  • What we love about the Southwest Rapid Rewards Priority Card: It’s easier to wring more value out of your Southwest experience with this card compared to any others in the airline’s suite, thanks to its $75 annual Southwest travel credit, bigger 7,500-point anniversary bonus, fast track to A-List status and four upgraded boardings each year.
  • Who this card is good for: Southwest jet-setters who fly often enough to take advantage of the annual travel credit and improved boarding benefits. Although other travelers may get a competitive value out of the Rapid Rewards Premier card compared to the cards’ respective annual fees, these perks make ponying up for the Priority card more worthwhile.
  • Alternatives: The Southwest Rapid Rewards Priority card is the most valuable Southwest card because of its standout benefits list. However, these top-tier perks do come with a price. The Rapid Rewards Premier card offers an identical rewards structure and intro offer for a lower annual fee, which is easier to make up for despite its lower anniversary bonus, lower-grade boarding upgrades and lack of travel credits. If you’re not dedicated to Southwest and would prefer a less-specialized card, the Citi Premier® Card features a similar rewards balance for a variety of everyday and travel purchases that can be used toward a variety of expenses.

Read our full Southwest Rapid Rewards Priority Credit Card review.
Jump back to offer details.

Marriott Bonvoy Bold: Best starter Marriott card

  • What we love about the Marriott Bonvoy Bold: Since it’s the only no-annual-fee Marriott card, it may be the best starting point if you’re new to hotel rewards. You’ll earn points on Marriott stays and general travel purchases and get automatic Silver Elite status, without worrying about offsetting the card’s cost or tracking a ton of bonus categories.
  • Who this card is good for: Occasional travelers looking for a simple, no-cost way to earn points toward their next Marriott stay.
  • Alternatives: Unlike the Bonvoy Bold, the Marriott Bonvoy Boundless comes with a free night award each year after your account anniversary (on a stay of less than 35,000 points). That perk alone may make it more lucrative overall, despite its $95 annual fee. The Boundless also earns rewards in more practical everyday categories, including grocery stores and gas stations, making it easy to earn points. Jump back to offer details.

Read our full Marriott Bonvoy Bold review.
Jump back to offer details.

Marriott Bonvoy Boundless: Best for free hotel stays

  • What we love about the Marriott Bonvoy Boundless: It makes it easy for cardholders to earn Marriott points and get free Marriott Award Night stays without putting up a huge annual fee. You’ll not only get a free Marriott stay every year after your account anniversary (on a stay of less than 35,000 points), but can also rack up points quickly thanks to the card’s practical everyday bonus categories. Given these benefits, the card’s annual fee should give you little to worry about.
  • Who this card is good for: Marriott fans looking for a low-cost, standalone rewards card that earns points on more than just travel and hotel spending.
  • Alternatives: Other Chase travel cards may offer more value and flexibility. The Chase Sapphire Preferred® Card, for example, earns rewards in several of the same categories as the Bonvoy Boundless, but its points are worth more and can be redeemed in more ways, including for hotel stays, airfare and cash back. You can even transfer points to a long list of airline and hotel partners, including Marriott.

Read our full Marriott Bonvoy Boundless review.
Jump back to offer details.

 


What is Chase?

Chase Bank is the largest consumer bank with assets worth about $3.38 trillion. Chase Bank is the consumer banking division of the brand, JPMorgan Chase, which is headquartered in New York. Chase has more than 4,700 branches and 16,000 ATMs, and it continues to actively expand across the country and beyond. Because Chase’s reach is so wide, branch and ATM locations are fairly accessible for a lot of consumers.

According to the 2022 J.D Power U.S Credit card Satisfaction study, Chase ranks fifth in overall customer satisfaction among national issuers with a score of 813, outranking other well-known credit card issuers like Capital One and Citi. Despite its middle-ground ranking, there is plenty to love about Chase and what its credit cards have to offer, especially when it comes to Chase Ultimate Rewards and some premier benefits the issuer offers on several cards.

Types of Chase credit cards

Chase has more than one card on the market that could be considered one of the best travel credit cards. Their business credit card options are also significant, catering to plenty of spending categories and business sizes. Finally, Chase has a few stellar co-branded card options that may be ideal for certain brand loyalists.

Travel credit cards from Chase

Chase’s travel credit card offerings top the charts, partly because of the cards’ stellar perks, benefits packages and high rewards rates. Its travel cards also rank highly because of its Chase Ultimate Rewards portal, which can boost your earnings significantly. Chase has an extensive list of travel partners and a 1:1 redemption rate, which can take your rewards value even further.

Editor’s choice: The Chase Sapphire Preferred.

Business credit cards from Chase

Chase business credit cards check a lot of boxes when it comes to value, earning opportunity and covered spending categories. Small businesses and established businesses alike will find something to like in a Chase credit card, whether the business’ largest expense is travel, employee dining or office supplies.

Editor’s choice: The Ink Business Unlimited credit card.

Co-branded credit cards from Chase

Chase has more than a few co-branded credit cards with a number of brands, including Southwest Airlines, Amazon and United Airlines to name a few. This type of credit card in this case is issued by Chase and rewards purchases that you can then use for perks at whatever brand the card is tied with. For example, Chase’s suite of Southwest Airlines cards reward purchases made with Southwest, then cardholders can use those earnings to get more from Southwest like discounts, statement credits or upgrades. If you have some strong brand loyalty, a co-branded card could make earning big rather easy.

Editor’s choice: The Southwest Rapid Rewards Premier credit card.

Pros and cons of Chase credit cards

Pros

  • Flexible rewards redemption: Thanks to the Chase Ultimate Rewards program, most Chase cards host a plethora of redemption options, including travel and charitable donations.
  • Top tier travel partners: Chase’s long list of travel partners and 1:1 points transfer rate give you even more ways to use your points.

Cons

  • High credit score requirements: With top-notch travel rewards and generous offers, most of Chase’s cards require a good to excellent credit score.
  • High price premium cards: The Chase cards with the most generous benefits and rewards have annual fees ranging from a more standard $95 to over $500.

 

Who should get a Chase credit card?

Chase issues a suite of cards that will benefit plenty of people, especially since nearly half of all households in America have at least one Chase customer. However, there are a few key consumers we think of where a Chase card may add the most value.

How the Chase Ultimate Rewards program work

In addition to the benefits and accessibility, Chase offers cardholders one of the industry’s signature rewards programs: Chase Ultimate Rewards. With Ultimate Rewards, cardholders can earn and redeem points for cash back, statement credits, gift cards or travel rewards.

When you redeem rewards for travel through the Chase Ultimate Rewards portal, you can add significantly more value to your earnings depending on the card you’re using. Chase’s Sapphire cards get you this boost, with the Chase Sapphire Preferred offering 25 percent more value and the Chase Sapphire Reserve offering 50 percent more value.

The Chase trifecta refers to a group of Chase card families — Chase Freedom cards, Sapphire cards and Ink Business cards — that when used together can boost rewards earnings and rack up points. For example, if you use the Chase Sapphire Preferred, Chase Freedom Unlimited and the Chase Ink Business Preferred, you can pool all the points earned from the cards in one account and save up thousands of points. If you don’t have a business, you can use two Freedom cards and one Sapphire card together to complete the trifecta.

If you want to transfer your Chase points to one of its partner airlines, you can do so through its travel portal when you log into your account. Once you choose the partner, you can transfer points in increments of 1,000 points and typically at a 1:1 ratio, so 1 point equals 1 mile.

Most Chase cards earn reward points and each point has a monetary value. Bankrate’s current points and miles valuations have three average point values set for the Ultimate Rewards program, with Chase’s most premier cards tending to have a higher average point valuation.

Chase Card Bankrate’s Average point value Value of 50,000 points
Chase Sapphire Reserve 2 cents $1,000
Chase Sapphire Preferred and Ink Business Preferred 2 cents $1,000
Other Ultimate Rewards cards 1 cents $500

How to choose a Chase credit card

It’s easier to find an ideal match for a credit card by keeping the focus where it needs to be — on you. As you start to compare Chase cards, consider these questions.

What kind of rewards would you like to earn most?

Travel rewards and cash back are a staple among Chase rewards cards. There are also some Chase business cards that cater to business-specific purchases. Evaluate your spending habits and choose a card that will benefit you and your needs.

Are you willing to use Chase Ultimate Rewards?

Often, the value of your rewards may increase by up to 50 percent or more when redeemed through the Chase Ultimate Rewards program. Fortunately, these travel redemption boosts mean you don’t have to consistently utilize transfer partners to boost your rewards’ value, like you may have to with other issuers’ travel portals. If you use the Ultimate Rewards Portal or you have multiple Chase cards (including a premier Chase card), pooling your rewards and redeeming through the portal could produce a windfall of earnings. However, you may want to consider a more streamlined card from another issuer with a less-involved redemption portal if you prefer a brass-tacks rewards program.

Are you willing to take on an annual fee?

Plenty of Chase cards come without an annual fee, but a few do add this extra charge in exchange for a few more lucrative benefits. To determine if an annual fee is worth it, understand all the perks and benefits that the annual fee is paying for and if your own use of those benefits makes the fee worthwhile.

Still unsure if a Chase credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Are Chase credit cards worth it?

In short, yes. Chase credit cards can offer a lot of consumers and businesses plenty of value. The Chase Ultimate Rewards program is one of the most notable credit card rewards programs around and the array of perks, protections and benefits you could get with the vast majority of Chase credit cards make these cards worth a look. As is the case with deciding on any credit card and whether it’s worth it for you, you’ll need to evaluate your own financial needs and desires when it comes to making a final decision.

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Bankrate Insight
Before you apply to a Chase card, you should know about the issuer’s 5/24 rule. 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.

How we chose the best 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.

Frequently asked questions about Chase credit cards

about the author
As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.
about the editor
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.

* 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.