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
18.24% - 25.24% 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
17.24% - 25.99% 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
18.24% - 23.24% 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
$750 
Annual fee
$0
Regular APR
15.49% - 21.49% 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
$750 
Annual fee
$0
Regular APR
15.49% - 21.49% 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
17.24% 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
17.24% - 25.99% 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 air travel 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
60,000 points 
Annual fee
$550
Regular APR
19.24% - 26.24% 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, phone services, and select streaming.
  • 1X Earn 1 point for every $1 spent on all other purchases.
Intro offer
Earn 50,000 points 
Annual fee
$69
Regular APR
18.24% - 25.24% 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, phone services, and select streaming.
Intro offer
Earn 50,000 points 
Annual fee
$99
Regular APR
18.24% - 25.24% 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, phone services, and select streaming.
Intro offer
Earn 50,000 points 
Annual fee
$149
Regular APR
18.24% - 25.24% 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)

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 (17.24 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.


Who are Chase credit cards good for?

What are the benefits of Chase credit cards?

Chase cards come with a variety of benefits and top-notch rewards. As a rule of thumb, always check your card’s terms and conditions to confirm its benefits, but many Chase credit cards offer the following:

Excellent card-pairing opportunities

Having more than one Chase card in your wallet is the best way to maximize your rewards. Chase’s card portfolio provides more opportunities to craft rewards strategies than most other popular issuers’ cards offer, thanks to their rewards that can be pooled and the Sapphire card family’s point value boost for travel redemption. What’s more, Chase’s premium cards tend to carry lower annual fees than rival issuers’ upper-tier cards, such as those from American Express, which means more of your rewards value returns to your pocket.

For example, pairing the Chase Sapphire Reserve with one of Chase’s no annual fee cash back cards boosts its yearly rewards value by 50 percent at no additional cost. The Chase Freedom Unlimited is a popular pairing option since its boosted flat-rate rewards can shore up any card strategy. Even pairing both no annual fee cash back cards — the Freedom Unlimited and Freedom Flex — can be effective since you’ll earn flat-rate cash back and valuable rotating category rewards for no annual fee.

Since Chase’s business cards are largely designed for small businesses, its Ink Business cards pair well with Chase personal cards as well. In fact, savvy cardholders can take advantage of the Chase trifecta — one of Chase’s most rewarding credit card combinations. The most common variation pools the power of the Freedom Unlimited’s flat-rate rewards, the Ink Business Preferred’s bonus category coverage and the Sapphire Reserve’s enhanced travel redemption point value. However, non-business owners can easily swap the Ink Business Preferred with the Freedom Flex for another approach to category diversity.

Chase Ultimate Rewards Portal

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. Also, points get extra value when redeemed for travel through Chase Ultimate Rewards with the Chase Sapphire Preferred or Chase Sapphire Reserve.

Pay Yourself Back

Chase launched 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 Sept. 30, 2022. 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:

  • Chase Freedom Flex
  • Chase Freedom Unlimited
  • Chase Freedom Student
  • Chase Sapphire Preferred
  • Chase Sapphire Reserve
  • Ink Business Unlimited
  • Ink Business Cash
  • Ink Business Preferred

Pros and cons of Chase credit cards

Pros

  • Flexible rewards redemption: Thanks mostly to the Chase Ultimate Rewards program, most Chase cards host a plethora of redemption options ranging from travel to 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.

 

How to choose the best 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.

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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 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.

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.