Best Chase credit cards for 2020

Chase offers highly rated credit cards for travel, cash back, business and more. A good or excellent credit score is typically required, but Chase in turn provides cardholders with generous rewards programs and sign-up bonuses along with easy redemption options. Our experts have done the research to help you find the Chase credit card that best fits your goals and lifestyle.

Best Chase Credit Cards:

Best for flat-rate cash back

Chase 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:
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 travel purchased through Chase. Earn 3% on dining at restaurants 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.
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:
N/A
Regular APR:
14.99 - 23.74% Variable

Card Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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 unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
Terms and Restrictions Apply

Best for cash back in multiple categories

Chase 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 Flex℠

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 travel purchased through Chase. Earn 3% on dining at restaurants 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.
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:
N/A
Regular APR:
14.99 - 23.74% Variable

Card Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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 travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Terms and Restrictions Apply

Best for all-around travel

Chase 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, eligible delivery services, takeout and dining out. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services. 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
Balance Transfer Intro APR:
N/A
Regular APR:
15.99%-22.99% 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®
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Terms and Restrictions Apply

Best for luxury travel

Chase Image

Recommended Credit Score

Excellent (740 - 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 Reserve®

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. Earn 3X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services 1 point per $1 spent on all other purchases
Welcome Offer:
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee:
$550
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
16.99%-23.99% Variable

Card Details

  • Earn 50,000 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 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
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Earn 3x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services
Terms and Restrictions Apply

Best for the small business owner

Chase Image

Recommended Credit Score

Excellent (740 - 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

Ink Business Unlimited® Credit Card

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
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 12 Months
Balance Transfer Intro APR:
N/A
Regular APR:
13.24% - 19.24% Variable

Card Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Terms and Restrictions Apply

Best for everyday business purchases

Chase Image

Recommended Credit Score

Excellent (740 - 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

Ink Business Cash® Credit Card

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
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 12 months
Balance Transfer Intro APR:
N/A
Regular APR:
13.24% - 19.24% Variable

Card Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Terms and Restrictions Apply

Best Chase card for business travel

Chase Image

Recommended Credit Score

Excellent (740 - 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

Ink Business Preferred® Credit Card

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:
New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Annual Fee:
$95
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
15.99%-20.99% Variable

Card Details

  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 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.


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 listed in its 2019 annual report:

  • Number one in total U.S. credit card sales volume
  • 52 million active digital customers in the U.S. in 2019
  • Serves about 63 million U.S. households and 4.3 million small businesses

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

Why choose Chase as your credit card issuer?

In addition to the cards themselves, Chase offers cardholders an array of notable rewards and loyalty programs including Chase Ultimate Rewards®. Outside of rewards, a lot of benefits 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 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 their 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.

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 4.5 / 5
Chase Sapphire Preferred® Card All-around travel 4.7 / 5
Chase Sapphire Reserve® Luxury travel 5.0 / 5
Ink Business Unlimited® Credit Card Best small business owner 4.8 / 5
Ink Business Cash® Credit Card Best for everyday business purchases 4.8 / 5
Ink Business Preferred® Credit Card Best Chase card for business travel 4.6 / 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% on dining at restaurants and drugstores, 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 review and find out how to apply.

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 generous first-year offer and sign-up bonus enhance the card’s value.

Pros:

  • Elevated cash back rates in several categories, including Chase Ultimate Rewards travel purchases, drugstores and restaurants, plus 5 percent cash back on eligible grocery store purchases on up to $12,000 in your first year (not including Target or Walmart purchases).
  • You can use the Chase Freedom Flex in the same rotating bonus categories as its the 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 zero- 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 review and find out how to apply.

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 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®
  • 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 Portal you miss out on maximizing your rewards points value.

Read our full review and find out how to apply.

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 review and find out how to apply.

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 review and find out how to apply.

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% APR on purchases for the first 12 months of account opening (variable 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 review and find out how to apply.

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 review and find out how to apply.


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.

APR

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


Senior Editor Barry Bridges has been writing about credit cards, loans, mortgages and other personal finance products for Bankrate since 2018. His work has also appeared on websites including Nasdaq.com, Zillow.com and The Simple Dollar. He was previously an award-winning newspaper journalist in his native North Carolina. Send your questions about credit cards (and fantasy baseball) to bbridges@bankrate.com.

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

* 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.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.