Our partner Chase offers some of the most popular credit cards around. Their lineup includes top-of-the-line rewards, travel, business credit cards and more. With so many options to choose from, we’ve got you covered with everything you need to know to help you find the best Chase credit card for you.
Our partner Chase offers some of the most popular credit cards around. Their lineup includes top-of-the-line rewards, travel, business credit cards and more. With so many options to choose from, we’ve got you covered with everything you need to know to help you find the best Chase credit card for you.
How we Choose
Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.Learn more about our partners and how we make money.
Here are Creditcards.com’s best Chase credit cards of 2024:
Our rating:4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
3x on dining, select streaming services and online groceries.
2x
2x on all other travel purchases.
1x
1x on all other purchases.
At A Glance
Intro offer
$300 Chase Travel℠ Credit + 60,000 bonus points
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Annual fee
$95
Regular APR
20.99% - 27.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn unlimited 1.5% cash back on every purchase made for your business
At A Glance
Intro offer
Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual fee
$0
Regular APR
17.99% - 23.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
740-850 (Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5x
Earn 5x total points on flights through Chase Travel℠.
3x
Earn 3x points on other travel and dining.
1x
Earn 1 point per $1 spent on all other purchases.
At A Glance
Intro offer
60,000 bonus points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual fee
$550
Regular APR
21.99% - 28.99% variable
Recommended credit
740-850 (Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
At A Glance
Intro offer
$400 statement credit + 40,000 pts.
Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Annual fee
$69
Regular APR
20.99% - 27.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
At A Glance
Intro offer
$400 statement credit + 40,000 pts.
Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Annual fee
$149
Regular APR
20.99% - 27.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
3x on dining, select streaming services and online groceries.
2x
2x on all other travel purchases.
1x
1x on all other purchases.
At A Glance
Intro offer
$300 Chase Travel℠ Credit + 60,000 bonus points
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Annual fee
$95
Regular APR
20.99% - 27.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5x
Earn 5x total points on flights through Chase Travel℠.
3x
Earn 3x points on other travel and dining.
1x
Earn 1 point per $1 spent on all other purchases.
At A Glance
Intro offer
60,000 bonus points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual fee
$550
Regular APR
21.99% - 28.99% variable
Recommended credit
740-850 (Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
At A Glance
Intro offer
$400 statement credit + 40,000 pts.
Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Annual fee
$69
Regular APR
20.99% - 27.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
At A Glance
Intro offer
$400 statement credit + 40,000 pts.
Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Annual fee
$149
Regular APR
20.99% - 27.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn unlimited 1.5% cash back on every purchase made for your business
At A Glance
Intro offer
Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual fee
$0
Regular APR
17.99% - 23.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn unlimited 1.5% cash back on every purchase made for your business
At A Glance
Intro offer
Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual fee
$0
Regular APR
17.99% - 23.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
All information about The Chase Freedom Flex, the Marriott Bonvoy Bold Credit Card, the Marriott Bonvoy Boundless Credit Card and the Southwest Rapid Rewards Premier Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Best for overall flexible travel rewards: Chase Sapphire Preferred® Card
Best features: As a premier Ultimate Rewards card, the Sapphire Preferred allows you to get 25% more value when you redeem for future travel through the Chase Travel℠ portal. Plus, its 5X points on travel purchased through the Chase portal, 3X points on dining and 2X points on other travel purchases and 1X points on all other purchases give you ample opportunity to earn points in the portal.
Biggest drawbacks: Despite being a top travel card, this option misses on some luxury travel perks, such as airport lounge access.
Alternative: Although it’s a great travel card, those who want a luxurious experience along with perks like complimentary anniversary bonus miles and annual travel credit will want to consider an upgrade to the Capital One Venture X Rewards Credit Card.
Bottom line: The Chase Sapphire Preferred is versatile and a great option for travelers thanks to its travel rewards program and generous sign-up bonus.
Best for flat-rate business rewards: Ink Business Unlimited® Credit Card
Best features: This card offers 1.5% cash back on all purchases made for your business. Your rewards can be redeemed for statement credits, gift cards, travel rewards, cash deposits and more. Also, they can be transferred in the Ultimate Rewards portal, where rewards can receive a significant boost in value. Rewards are non-expiring and uncapped.
Biggest drawbacks: Though it earns flat-rate cash back, there are no bonus categories offering better rates. This card also comes with a 3% foreign transaction fee.
Alternative: If your business expenses tend to fall in specific categories like office supplies, gas and restaurants, it’s worth the time to capitalize on bonus reward rates offered by the Ink Business Cash® Credit Card.
Bottom line: Small-business owners looking for an affordable card to help boost rewards should look to the Ink Business Unlimited.
Best features: The Sapphire Reserve rewards cardholders annually through a $300 travel credit. After that travel credit is earned, the real fun begins. That’s when cardholders can earn big, first when you use the Chase Portal for travel purchases: 10X points on hotels and car rentals as well as 5X points on air travel. You’ll also earn 3X points on other travel purchases after the $300 credit. You’ll also get 3X points on dining at restaurants. These rewards are unlimited and won’t expire, and there are no blackout dates or expiration dates when redeeming travel.
Biggest drawbacks: In addition to the high annual fee ($550), this card doesn’t come with an introductory APR offer.
Bottom line: Travelers looking for a more luxurious experience on their rewards-earned trips should look into the Sapphire Reserve. If this card fits your lifestyle, the strong rewards, bonuses and travel perks make the price tag worth it.
Best for Southwest with a low annual fee: Southwest Rapid Rewards® Plus Credit Card
Best features: Cardholders will be rewarded for their loyalty with a 3,000 point bonus each account anniversary. The card also features 2X points on Southwest purchases, 2X points on purchases with the airline’s hotel and car rental partners and 1X points on other purchases. With an annual fee of just $69, this card still offers a generous sign-up bonus: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Biggest drawbacks: Southwest’s flight network is more limited than other major airlines, and there isn’t much flexibility in rewards redemption.
Alternative: If you want the best prices and are not loyal to one airline, you might be better off with a general travel rewards card. The Capital One Venture Rewards Credit Card has a higher annual fee ($95) but offers higher rewards for your hotel and car rental purchases (when booked through Capital One Travel), as well as your everyday purchases outside of travel.
Bottom line: If you’re interested in an affordable airline card and like to travel with Southwest, the Southwest Rapid Rewards® Plus Credit Card is a solid option.
Best for Southwest benefits: Southwest Rapid Rewards® Priority Credit Card
Best features: Much like the Southwest Rapid Rewards Premier, this card also offers the opportunity to earn the sign-up bonus: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening. Cardholders can earn rewards in numerous categories, including 3X points on Southwest purchases and 2X points on Rapid Rewards hotel and car rental partner purchases, plus 7,500 points each account anniversary.
Biggest drawbacks: The card doesn’t offer luxury perks like lounge access, and rewards can’t be transferred to other airlines or partner networks.
Alternative: Travelers looking for more flexibility may get more value out of the Capital One Venture Rewards Credit Card. The $95 annual fee is smaller, and the 5 miles per dollar on hotels, vacation rentals and rental cars (when booked through Capital One Travel), along with 2 miles per dollar on every other eligible purchase may be a better fit for people who don’t fly Southwest often.
Bottom line: If you fly often with Southwest, this is a great addition to your wallet. Not only does it make the travel experience easier, there’s significant savings to be had even with the annual fee.
Best features: Cardholders can reduce their APR by 2% each account anniversary that they pay their balance on time and spend at least $1,000 with the card in the previous year. Chase also offers a one-time credit limit review for a higher limit when they spend $500 in the first six months.
Biggest drawbacks: While the intro APR period is competitive, it’s not the longest available. Furthermore, to take advantage of the card’s best features, you have to reach certain spending thresholds, which defeats the purpose of paying down debt with a balance transfer card.
Bottom line: The Slate Edge’s unique feature to reduce your APR on your account anniversary is a boon, but the spending requirements for eligibility may make it harder to pay off debt with a balance transfer.
Best features: This United card is packed with rewards and benefits: Earn 2X miles at restaurants and hotel stays, 2X miles on United purchases and 1X miles elsewhere. Cardmembers also earn 25% back as a statement credit on United in-flight purchases. Other notable perks include priority boarding, access to the United Club with two one-time passes each anniversary year, up to a $100 credit toward Global Entry or TSA PreCheck, and your first checked bag is free.
Biggest drawbacks: There is limited flexibility when it comes to redeeming and transferring miles.
Alternative: If you are not loyal to United, the Capital One Venture Rewards Credit Card lets you earn unlimited double miles on all of your everyday purchases along with 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
Bottom line: The features and benefits on this card make it a worthwhile choice for people who regularly fly on United Airlines. And thanks to the annual fee being waived for the first year ($0 introductory annual fee for the first year, then $95), the occasional traveler will also be able to make good use of this card.
Best for flat-rate cash back: Chase Freedom Unlimited®
Best features: This card gives significant and unlimited cash back across multiple categories. Your cash back will never expire, so you won’t have to worry about using rewards within a certain time period. Plus, you can use your cash back toward gift cards, travel or Amazon.com purchases and even have the option of transferring points to combine with other cards in Ultimate Rewards.
Biggest drawbacks: A travel credit card that charges a foreign transaction fee doesn’t offer the best value when traveling overseas or making purchases with foreign merchants.
Alternative: If you don’t want to keep track of bonus rewards categories, a flat-rate credit card like the Wells Fargo Active Cash® Card keeps things simple by offering 2% cash rewards on your purchases.
Bottom line: People who spend across several categories can benefit from Chase Freedom Unlimited’s widespread cash back offerings. If you’re looking for a card with no annual fee that can add some cash to your wallet, this is a great choice.
Best features: Active cardholders who want to take advantage of bonus rewards are best suited for this card. Freedom Flex cardholders can earn 5% cash back in rotating bonus categories each quarter (on up to $1,500), 5% cash back on travel purchased through Chase Travel℠, 3% back at drugstores and restaurants and 1% back on all other purchases.
Biggest drawbacks: The 5% cash back rates on rotating categories are capped at a $1,500 limit each quarter (then 1%). Also, remembering to activate the rotating bonus categories can be a tedious (yet essential) task.
Alternative: Someone looking for widespread rewards without having to jump through a lot of hoops will likely get more value out of the flat-rate Chase Freedom Unlimited.
Bottom line: It takes a little extra work to reap the full benefits of Chase’s rotating categories schedule, but the right cardholders can make it worthwhile.
Best for no-annual-fee business card: Ink Business Cash® Credit Card:
Best features: Like the Ink Business Unlimited, you can connect this no-annual-fee card with the premier Ultimate Rewards cards to enjoy a boost in rewards toward travel in the future. Also, as a sign-up bonus, you can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Biggest drawbacks: There’s a $25,000 annual limit on bonus categories, so if your purchases exceed that amount in the 5% or 2% categories in a year, the earnings rate will reduce to 1%. There’s also a $2,000 minimum to redeem rewards.
Alternative: Businesses that spend heavily in areas that fall outside the Ink Business Cash bonus categories may prefer a flat-rate card like the American Express Blue Business Cash™ Card. All eligible purchases earn 2% on up to $50,000 per calendar year (then 1%).
Bottom line: Thanks to a strong sign-up bonus and common rewards categories, the Ink Business Cash® Credit Card is a great no-annual-fee credit card for small businesses.
Best for overall business rewards value: Ink Business Preferred® Credit Card
Best features: The Ink Business Preferred will reward you with the same 25% boost toward travel redemptions made in the Chase Travel portal that the Sapphire Preferred offers. Earn 90,000 points after a $8,000 spend within the first three months and earn 3X points on the first $150,000 spent each year on combined purchases on travel and select business categories. This card also comes with the ability to transfer points and features travel and purchase protection.
Biggest drawbacks: There is no intro APR offer for purchases or balance transfers, and your spending will need to align with the select rewards categories to get the best value.
Alternative: Startups and small businesses that spend a lot outside this card’s bonus categories or have a tight budget preventing them from hitting the sign-up bonus requirement should look to the The American Express Blue Business Cash™ Card.
Bottom line: Small business owners looking to earn rewards points rather than cash back should consider this card. Access to the Chase Travel portal and heightened rewards in common categories can provide serious value to business expenses.
Best for annual free night award: Marriott Bonvoy Boundless® Credit Card
Best features: Cardholders will receive a free night stay each anniversary. The comped night surely helps make up for the $95 annual fee, but let’s not forget about the contribution from earning 6X points at participating Marriott Bonvoy hotels and at least 2X points on all other purchases.
Biggest drawbacks: Room availability can be low during busy times of the year. Also, your anniversary free night award is only eligible on standard rooms valued at 35,000 points or less.
Alternative: Annual-fee-averse travelers or those who don’t plan on spending enough to justify the $95 annual price may want to consider the Discover it® Miles.
Bottom line: If Marriott is your hotel of choice, this card can take your capabilities to a new level. Although there is an annual cost, typical travelers can easily out earn the fee with hotel perks, rewards points and bonus offers.
Best for Marriott Rewards: Marriott Bonvoy Bold® Credit Card
Best features: If you stay often with the world’s largest hotel network, you may want to check in with this card. This no-annual-fee card not only gives consumers a chance to redeem points for a variety of hotel rewards, it provides a fast track to Marriott Silver Elite status. Plus, points can be combined with cash to pay for hotel stays. So you won’t have to worry about meeting a minimum before redeeming.
Biggest drawbacks: The rewards offered by the card aren’t as valuable as some other travel card options. You might also run into some booking problems if you’re looking to book stays during busy times of the year.
Alternative: If you frequent other hotels outside of Marriott, a general travel rewards card like the Discover it® Miles could be a better fit.
Bottom line: If you tend to stay with Marriott, this could add a lot of value to your travels. There’s no annual fee and a slew of hotel perks.
Best for Southwest travel: Southwest Rapid Rewards Premier® Credit Card
Best features: In addition to long-term 3X points earned on Southwest purchases, cardholders can earn a welcome offer: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Biggest drawbacks: Your rewards tickets can’t be used on layover flights, and there are limited options for booking international travel.
Alternative: Even frequent Southwest flyers will want to take a look at the versatile Capital One Venture Rewards Credit Card. It won’t help you qualify for the Companion Pass®, but depending on your spending habits, the sign-up bonus, rewards (including a minimum of 2X miles on all eligible purchases) and other perks may be more to your liking.
Bottom line: The Southwest Rapid Rewards Premier® Credit Card makes traveling easier and more affordable for loyal Southwest travelers who commit to the airline.
JPMorgan Chase Bank & Co., or Chase Bank, is a national bank and one of the largest credit card issuers in the world. Chase credit cards are best known for their generous sign-up bonuses and boosted redemption travel rewards. But depending on the card, you’re likely to find a slew of additional perks like high rewards rates on everyday spending, lengthy introductory offers, and generous consumer protections.
Where is Chase accepted?
Whether you are traveling domestically or abroad, you can shop with confidence knowing that your Chase credit card is on the Visa or Mastercard network, which means you can use the card at millions of merchants both nationwide and internationally. These networks offer broader global acceptance than American Express and Discover, and your card may come with an EMV chip that offers payment security while overseas. Plus, some Chase cards will not charge foreign transaction fees.
What credit score is needed for Chase credit cards?
Chase’s credit cards typically require a good-to-excellent credit score (670 or above) to be approved. That’s because Chase’s personal and business options come packed with top-notch rewards, travel benefits and generous welcome offers.
If you have a suboptimal score, improving your credit before applying for a Chase card is probably your best option. However, there are certain circumstances (like if you are a student with a limited credit history) where they may approve you for a card with a sub-670 credit score. Chase will review your full credit history and annual income before coming to a decision.
How to choose a Chase credit card
The best Chase credit card for you will come down to your lifestyle and finances. When you know the credit card features that matter most, you’ll then have to sort through all the options available to you. To make it easier, a tool like CardMatch™ can help you identify the cards you are likely to qualify for based on your credit profile. It takes seconds and won’t affect your credit score (unless you decide to apply).
Here are the types of people likely to get the most benefit from having a Chase credit card along with those who will find greater value with another credit card issuer.
Who should get a Chase card
Rewards chasers: If you’re looking for high-end rewards across multiple categories and worthwhile sign-up bonuses, Chase has several options, and a savvy cardholder can capitalize by pairing more than one. Complementary rewards cards can take your earnings capability to a whole new level and give you a chance to take advantage of multiple sign-up bonuses. Also, with the boosts available through the Chase Ultimate Rewards portal, cardholders can squeeze even more value out of their rewards cards.
Travelers: The Ultimate Rewards portal is a major reason Chase has some of the best travel cards on the market. When using points for travel in the portal, you can receive as much as 50% extra points-value with a card like the Sapphire Reserve. The Ultimate Rewards program also serves as the connection to the long list of Chase’s airline and hotel partners, allowing you to transfer points and book travel through a wide variety of options.
Airline and hotel loyalists: Through partnerships with companies like Southwest, Marriott, United, Hyatt, British Airways and others, Chase offers a selection of airline and hotel cards that can get loyal customers rewarded. Frequent guests of Chase’s partners can take advantage of room and flight upgrades, free night’s stays, huge rewards rates and a variety of other benefits.
Who should skip a Chase card
Credit builders: Although Chase has a variety of credit cards for many types of cardholders, someone trying to rebuild their credit score or credit newcomers will have to look elsewhere. With so many high-end rewards cards, Chase’s options typically require high credit scores. Those wanting to open a credit card account with Chase may have to start elsewhere on their journey, but that doesn’t mean it’s not a real possibility for the future. Secured cards and cards for limited credit history can be great tools to help build your credit score.
Debt consolidators: If you’re looking to open a credit card to gather outstanding balances and pay down your debt, a balance transfer credit card can be a wonderful route. Although many Chase cards feature 0% intro APR offers on purchases, they don’t extend the same offers to balance transfers.
Road trippers: If you drive for work, often travel on the road or spend a large portion of your money on gas for any reason, you might want to look elsewhere. While Chase has answers for nearly any type of rewards-hunter, someone who seems to be constantly fueling up might have better luck with one of the top gas credit cards.
What are the benefits of having a Chase credit card?
Chase gives you numerous reasons to consider one of their cards, including generous welcome offers, 0% APR opportunities, high-rate cash back rewards, a worthwhile travel program and more. When carrying a Chase card, you can expect the following as a baseline to your benefits:
Travel benefits: Many Chase cards feature insurance for things like flight cancellations, rental car collision damage, emergency care when abroad and more. You might be eligible for flight upgrades, complimentary in-flight meals and breakfast at your hotels, free checked bags and annual statement credits for travel. You can use the rewards portal to transfer points at a 1:1 or better rate to JetBlue, Southwest, United, Marriott, Hyatt and more.
Exclusive opportunities: You’ll have to keep an eye out for particular offers and partners, but a Chase card can often be a ticket into a highly sought-after vacation spot, event, restaurant or club.
Access to your FICO score: Chase Credit Journey is a useful perk for keeping track of your financial progress, you’ll be able to monitor your credit score any time and it won’t impact your credit.
Theft and damage: Chase cards will often give protection against damage and theft, meaning if you buy an expensive item (TV, laptop, etc.) but don’t get insurance with the retailer, you may be eligible for reimbursement through your card if something goes wrong.
Automotive: Chase offers 24/7 access to a variety of roadside assistance services while traveling in the U.S. and Canada for a flat fee, plus primary auto rental collision damage waivers.
Price protection: With this perk, you can typically get reimbursed for the difference between what you paid for an item and the new (lower) price that it’s currently selling for.
Return protection: This benefit is useful when you’ve bought something and its return window has closed or the store you bought it from doesn’t allow returns. There may be limitations with what you can do, but it may save you when you have to take something back.
Fraud protection: Your Chase card will be protected from unauthorized charges. Chase will help keep watch for unusual transactions, and reporting suspicious or unauthorized activity should keep any unwanted charges off of your account.
What is the Chase Ultimate Rewards program?
Chase cards feature things like rental car insurance, select complimentary hotel upgrades, purchase coverage and more. But the most notable extra that comes along with Chase credit cards is access to the Chase Travel portal. Within the portal, there are a number of ways to use your points when you’re ready to take advantage of your well-earned rewards:
Redemption options
Travel partner transfers: Move your points to any of Chase’s airline or hotel partners at 1:1 value with select cards.
Boosted rewards: It depends on your card(s), but you can get 25% or 50% more value out of your points when redeeming for travel in the portal. Chase’s high rewards rates and supercharged value allows for some of the most powerful travel cards on the market.
Shop Through Chase: A way for cardholders to spend with select partners, you can use your points with stores like Nike, Apple, Walgreens, Home Depot and more. Some offers may be for a limited time, but you can earn as high as 10 points per dollar or take advantage of a 30% discount with this feature.
Chase Dining: You can use your points towards takeout, reservations and exclusive culinary experiences that wouldn’t otherwise be available.
Chase Experiences: Concert-goers, sports fans and adventurers may love the doors Chase opens here. You’ll find a wide variety of entertainment options and exclusive experiences made available to you in the travel portal.
Your capabilities in Chase Ultimate Rewards will vary depending on your card, but rewards chasers and travel-happy cardholders have a lot of opportunities thanks to the portal.
Is a Chase credit card worth it?
Simply put, yes. Chase is one of the most well-respected credit card providers in the world. If your credit score allows it and you find one tailored to your interests, a Chase credit card will add some convenience and benefit to your life.
There are choices for small-business owners, family shoppers, frequent flyers, hotel regulars and more. And even if a Chase card comes with an annual fee, there are plenty of ways to still make it worthwhile.
Start with the sign-up bonus. Chase gives some of the best welcome bonuses on the market. So be sure to look for cards with terms within your budget and hit the spending requirement to get some early rewards. On top of the initial earnings, be sure to use your card when spending in its specialized rewards categories. Regularly capitalizing on the high rates will save you a little extra and lead to bigger rewards. Finally, as a general rule for making any credit card worth it: Don’t overspend, and pay on time to protect your credit card and avoid costly and unnecessary fees and interest.
How we picked the best Chase credit cards
Research Methodology: We analyzed Chase’s suite of credit cards to identify their top credit cards currently on the market. The major factors we considered were:
Base rewards program: Does the card provide ways to earn worthwhile rewards? Thanks to Chase Ultimate Rewards, most Chase cards have strong rewards structures. We sought out the best ones to capitalize on.
Available bonuses: Many Chase cards feature welcome bonuses and other promotional offers, giving out bundles of points, cash back or a free night at a hotel. Finding bonuses that are worth the spending and effort helped narrow down our top options.
Rewards flexibility: With so many hotel, airline and travel choices available, we looked to find cards that give you worthwhile redemption and transfer options when it comes to redeeming rewards. Although some of the cards here have an obvious partner, you might be surprised at what you’re capable of doing with your points.
Other rates and fees: We also looked at whether the card carried reasonable APRs, has an introductory APR offer and whether it comes with an annual fee. If a card is pricey in these departments, other important factors should make up for the costs.
Additional information on Chase credit cards
For more information on all things Chase credit cards, continue reading content from our credit card experts:
As it is with all credit cards, the best card will depend on how it fits the consumer. That being said, the best overall card Chase offers for the average consumer is the Chase Sapphire Preferred. A great option for most, it brings well-rounded rewards, low cost of cardholding and a lucrative sign-up bonus anyone could appreciate.
If your definition of “best” means the one that can bring the most value, however, then the top Chase card is the Chase Sapphire Reserve. The $550 annual fee isn’t for everyone, but calculated cardholders can enjoy its earning power, a generous rewards system and a long list of luxury perks.
If you’re still working on establishing your credit score, it could be. Chase cards typically require good or excellent credit scores to be approved, so it’s recommended you have a score around 670 or better before applying. It’s not all about credit score, however; Chase will also take a look at any recent credit accounts you’ve opened and your annual income before giving a yes/no.
While Chase doesn’t offer secured credit cards or cards for bad credit, sometimes applying for one can be the fastest route to a Chase credit card. Using a credit card to build your credit score is a great way to start the journey toward a card that brings rewards.
The unofficial Chase 5/24 rule is that you can’t have five or more personal credit card accounts opened in the 24 months prior to your application to be approved for a Chase card. One of the stricter card provider limitations, this goes for cards from any issuer and even for accounts that you’ve closed.
Typically, small-business credit cards won’t count towards the 5/24 rule. However, since Chase has never explicitly laid out the terms of the 5/24 rule, there may be exceptions.
The Chase Trifecta is a common strategy used by experienced travelers who want to maximize their rewards earning potential. It involves using three Chase credit cards that earn Ultimate Rewards points – one of which will be a travel card. The combination of these cards allow users to capitalize on each one’s individual perks and earning rates.
To take advantage of the Chase Trifecta, use the Chase card that earns the most points on each of your purchases. And since Chase lets you transfer Chase Ultimate Rewards points from one card to another, you can then move all the points you earn to the Chase travel card. That’s where the points are likely to be worth more when you book travel through the Chase Ultimate portal.
As an added perk, each of these cards may come with its own Chase sign-up bonus, adding further value to your wallet.
To learn more, check out this article on how to earn more Ultimate Rewards points with the Chase Trifecta. You’ll see how to rack up rewards using the Chase Sapphire Reserve, Chase Freedom Flex and Chase Freedom Unlimited as well as what to watch out for if you plan to juggle multiple Chase credit cards.
About the Author
Joey Robinson
Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.
About the Editor
Courtney Mihocik
About the Reviewer
Stephanie Zito
Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.
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