As one of the premiere issuers, Chase offers several types of credit cards—from travel to airline to cash back—to suit a variety of needs. Not sure which is right for you? Read on to find out.
As one of the premiere issuers, Chase offers several types of credit cards—from travel to airline to cash back—to suit a variety of needs. Not sure which is right for you? Read on to find out.
More Cards from Chase
More travel cards from Chase
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If you want a credit card with superior rewards, excellent cash back or a generous sign-up bonus, Chase offers that and more. While part of a full-service national bank, the company also issues about two dozen cards with a host of features and benefits. Here, we look at:
As a premier Ultimate Rewards card, the Sapphire Preferred allows you to get 25% more value when you redeem for future travel through the portal. So, when you earn 60,000 points after a $4,000 spend within the first 3 months of card membership, those points can translate into $750 in travel when travel picks back up. You’ll also earn 2X points on travel and dining; just know that there is a $95 annual fee.
The Chase Freedom Unlimited offers no annual fee and has a nice sign-up bonus of $150 after a $500 spend within the first 3 months. Plus, there is a 1.5% cash back offer on all purchases.
A few small-business cards offer rewards with no annual fee, and this is one of them. Earn $500 back after a $3,000 spend within the first 3 months. Also, earn 1.5% back on all purchases made for your business. Then, any rewards you reap can be transferred to the premier Ultimate Rewards cards to enjoy those cards’ bonus through the portal.
This exclusive travel card may have a high annual fee ($550), but its high rewards value justifies it for those who are already thinking ahead to frequent future travel. Earn 50,000 points after a $4,000 spend within the first 3 months, then earn a $300 travel credit each year and 3X points toward travel and dining after that. Also, the Sapphire Reserve offers an incredible 50% more value when you redeem points toward travel with the Ultimate Rewards portal. So, your 50,000 sign-up points are worth $750 toward travel.
Chase’s premier Ink Business card, the Ink Business Preferred will reward you with the same 25% boost toward future travel made in the Ultimate Rewards portal that the Sapphire Preferred offers. Earn 100,000 points after a $15,000 spend within the first 3 months and earn 3X points on the first $150,000 spent each year on combined purchases on travel (which may not be as attainable now, but is a great perk to keep in mind for future travel) and select business categories.
The information for Ink Business CashSM Credit Card has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer.
Like the Ink Business Unlimited, you can connect this card with the premier Ultimate Rewards cards to enjoy a boost in rewards toward travel in the future. Earn $500 back after a $3,000 spend within the first 3 months; earn 5% back on the first $25,000 spent on office supplies, as well as internet, cable and phone services each anniversary year; and earn 2% back on the first $25,000 spent each anniversary year at gas stations and restaurants. If your employees are working from home, this cash back reward could be a great incentive for making sure your employees have the materials they need to keep your business successful.
If you’ll fly regularly on British Airways, this card is a great option. You’ll earn 3 Avios for every $1 spent on British Airways, Aer Lingus, Iberia and Level and the sign-up bonus is up to 100,000 Avios – 50,000 for spending $3,000 on purchases within 3 months of opening your account and 50,000 bonus Avios for spending $20,000 within the first year of opening your account. Although not much travel is happening now, if you’re thinking ahead to future flights and prefer British Airways, this certainly is a card to keep in mind.
This card is packed with rewards and benefits: Earn 2X miles at restaurants and hotel stays as well as United purchases, and 25% back on in-flight purchases. You can store these miles up for future use, but in the meantime, this is a great way to earn miles for supporting the local restaurants in your area. Also, experience priority boarding and access to the United Club with 2 one-time passes each anniversary year; get up to $100 toward Global Entry or TSA PreCheck; and your first bag is free. These perks can add a lot of value to your future travel plans. Plus, the $95 annual fee is waived the first year.
This card offers a solid sign-up bonus of 40,000 points after spending $1,000 in the first 3 months. The cards also rewards your loyalty by giving you 3,000 points every year after your account anniversary.The Southwest Rapid Rewards® Plus Credit Card is perfect for frequent flyers planning their future trips on Southwest airlines. The $69 annual fee is another great perk, and is low compared to other cards in the travel category.
| Card Name | Best For | Annual Fee | Review Score |
|---|---|---|---|
| Chase Sapphire Preferred® Card | Best overall offer | $95 | 3.9 / 5 |
| Chase Freedom Unlimited® | Flat-rate cash back | $0 | 3.8 / 5 |
| Ink Business UnlimitedSM Credit Card | Flat-rate business rewards | $0 | 3.5 / 5 |
| Chase Sapphire Reserve® | Travel | $550 | 4.6 / 5 |
| Ink Business Preferred® Credit Card | Overall business rewards value | $95 | 3.8 / 5 |
| Ink Business CashSM Credit Card | No annual fee business card | $0 | 3.3 / 5 |
| British Airways Visa Signature® Card | Sign-up bonus | $95 | 3.9 / 5 |
| UnitedSM Explorer Card | United miles | $95, waived first year | 3.7 / 5 |
| Southwest Rapid Rewards® Plus Credit Card | Southwest card with a low annual fee | $69 | 3.7 / 5 |
The Chase Sapphire Preferred and Chase Sapphire Reserve are two of the best travel credit cards on the market. If you’re looking for a premium travel card, you may be wondering which is better for you. Below are some of the key similarities and differences between the CSP and CSR.
| Rewards & Benefits | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Sign-up Bonus | 60k pts, $4,000/3-mth spend | 50k pts, $4,000/3-mth spend |
| Ongoing rewards | 2X pts worldwide travel, dining | 3X pts worldwide travel*, dining |
| Annual fee | $95 | $550 |
| Travel redemption, Ultimate Rewards | 25% more | 50% more |
| Foreign transaction fee | None | None |
| Annual credit | None | $300 for travel purchases |
| Global Entry/TSA Pre-Check credit | None | Up to $100 application fee credit |
| Airport lounge access | None | Yes |
| Rental Car privileges | Yes | Yes |
| Select complimentary hotel upgrades | Yes | Yes |
| Travel & purchase coverage | Yes | Yes |
*3x pts on travel immediately after earning your $300 travel credit
JPMorgan Chase Bank N.A., or Chase Bank, is a national bank and credit card issuer. That means the company grants cards to qualifying consumers. It partners with two networks, which process charges made at retailers. The primary networks are Visa and Mastercard. Most Chase credit cards are Visa cards, except the IHG Rewards Club Premier, which is a Mastercard.
Chase credit cards are best known for their generous sign-up bonuses and boosted redemption travel rewards. In some cases, such as the Sapphire and Freedom cards, products can be partnered to fully use the Ultimate Rewards portal. A good to excellent credit score is typically needed for this brand, with its portfolio of business, cashback, travel and balance transfer products.
Chase credit cards can be used internationally in most locations. Along with rewards that come with travel and dining in the U.S., some Chase cards reward you for foreign travel. Also, in the case of such cards as the Sapphire products, there is no foreign transaction fee, which applies to both foreign travel and foreign purchases.
While in theory there is no limit to the number of Chase cards you can hold, the Chase 5/24 rule requires that you not open more than 5 cards of all issuers in a 24-month period in order to be approved for a Chase credit card. There are reported exceptions to this rule:
Chase products are among the best in the credit card business, whether you are looking at business cards or personal cards. That’s because the redemption rewards can be superior, depending on the card you use. Also, sign-up bonuses are lucrative, benefits are excellent and ongoing rewards are rich.
Chase Ultimate Rewards. These are the points that you earn by spending on certain categories with your Chase credit card. Read below for information on redeeming your Chase Ultimate Rewards.
You can redeem your Chase points for a number of rewards, including travel, gift cards, Amazon.com purchases, Chase Pay purchases and more. However, all points aren’t equal. For example, with the Chase Sapphire cards and the Ink Business Preferred, you can get $0.0125-$0.015 more on travel redemptions through Chase Ultimate Rewards, while points used on Amazon purchases only redeem at $0.008.
Chase counts travel as such purchases from airlines, hotels, rental car agencies, timeshares, campgrounds, parking lots and garages, toll bridges and highways, taxis, and trains. Dining is considered everything from fast dining to fine dining, but it may not include such merchants as casinos or stadiums. If your Chase card offers rewards for dining, it’s the perfect time to support the local restaurants offering curbside or delivery in your area while also racking in those benefits.
Chase credit cards offer a variety of benefits in addition to the rewards you earn. For example, the Chase Sapphire Preferred offers primary coverage when you use it for car rentals, providing reimbursement for damage due to collision or theft. The benefits vary from card to card and include the following:
Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.
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