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#1 for everyday cash back
Chase Freedom Unlimited®

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

5%
Earn 5% on travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores
1.5%
Earn unlimited 1.5% cash back on all other purchases.

At A Glance

Intro Bonus
$200

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee
$0
Regular APR
14.99% - 23.74% variable
#1 for business rewards
Ink Business Unlimited® Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase made for your business

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable
#1 for Flexible Cash Back
Chase Freedom Flex℠

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

5%
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!
5%
Earn 5% on travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores.
1%
Earn 1% on all other purchases.

At A Glance

Intro Bonus
$200

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee
$0
Regular APR
14.99% - 23.74% variable

More Cards from Chase

Chase Sapphire Reserve®

Excellent

Credit Recommended (740-850)

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.
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Rewards Rate

3X
3X points on travel immediately after earning your $300 travel credit.
3X
3X points on dining at restaurants including eligible delivery services, takeout and dining out.
1X
1 point per $1 spent on all other purchases

At A Glance

Intro Bonus
60,000 points

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee
$550
Regular APR
16.99% - 23.99% variable
Southwest Rapid Rewards® Premier Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

3X
Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Annual Fee
$99
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Priority Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

3X
Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Annual Fee
$149
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Plus Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

3X
Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Annual Fee
$69
Regular APR
15.99% - 22.99% variable
United℠ Explorer Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

2X
Earn 2 miles per $1 spent at restaurants, on hotel stays, and on United purchases
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services
1X
1 mile per $1 spent on all other purchases

At A Glance

Intro Bonus
Up to 65,000 Bonus Miles

40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months

Annual Fee
$95, waived first year
Regular APR
16.49% - 23.49% variable
Marriott Bonvoy Bold™ Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

14X
Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
2X
2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X
1X point for every $1 spent on all other purchases.

At A Glance

Intro Bonus
50,000 Points

Limited Time Offer! Earn 50,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

Annual Fee
$0
Regular APR
15.99% - 22.99% variable

More travel cards from Chase

British Airways Visa Signature® Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

5X
Earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
3X
Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios.
1X
Earn 1 Avios per $1 spent on all other purchases.

At A Glance

Intro Bonus
50,000 Avios

Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn a Travel Together Ticket after you spend $20,000 total on purchases within your first year of account opening.

Annual Fee
$95
Regular APR
15.99% - 22.99% variable
United℠ Explorer Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

2X
Earn 2 miles per $1 spent at restaurants, on hotel stays, and on United purchases
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services
1X
1 mile per $1 spent on all other purchases

At A Glance

Intro Bonus
Up to 65,000 Bonus Miles

40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months

Annual Fee
$95, waived first year
Regular APR
16.49% - 23.49% variable
Southwest Rapid Rewards® Plus Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

3X
Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Annual Fee
$69
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Premier Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
Apply Now

Rewards Rate

3X
Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Annual Fee
$99
Regular APR
15.99% - 22.99% variable
World of Hyatt Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

9X
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2X
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card.

At A Glance

Intro Bonus
Earn up to 60,000 points

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent

Annual Fee
$95
Regular APR
15.99% - 22.99% variable
IHG® Rewards Club Premier Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
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Rewards Rate

25X
Earn up to 25 points total per $1 spent when you stay at an IHG hotel.
2X
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
125,000 points

Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening

Annual Fee
$89
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Priority Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
Apply Now

Rewards Rate

3X
Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Annual Fee
$149
Regular APR
15.99% - 22.99% variable

More cash back cards from Chase

Ink Business Unlimited® Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase made for your business

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable
Ink Business Cash® Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
Apply Now

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

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable

More business cards from Chase

Ink Business Preferred® Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
Apply Now

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

At A Glance

Intro Bonus
100,000 points

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Annual Fee
$95
Regular APR
15.99% - 20.99% variable
Ink Business Cash® Credit Card

Good to Excellent

Credit Recommended (670-850)

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.
Apply Now

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

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable
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Editorial disclosure: All reviews are prepared by CreditCards.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.

All information about Chase Sapphire Preferred® Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.


Comparing Credit Card Offers from Chase

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:


Best Chase Credit Cards

Chase Sapphire Preferred® Card: Best for overall flexible travel rewards

Rewards

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 Ultimate Rewards portal. And when you earn 80,000 points after a $4,000 spend within the first 3 months from opening an account, those points can translate into $1000 toward travel when redeemed through Chase Ultimate Rewards. You’ll also earn 2X points on travel and dining, as well as 2X points on grocery store purchases (up to $1,000 a month) through 4/30/21.

Pros

  • No points limits
  • No expiration dates/ blackout dates

Cons

  • Doesn’t grant access to airport lounges
  • Lower rewards value for merchandise
  • $95 annual fee

Chase Freedom Unlimited®: Best for flat-rate cash back

Rewards

Earn 5% cash back on travel through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases. The Chase Freedom Unlimited also offers no annual fee and has a nice sign-up bonus of $200 after a $500 spend within the first 3 months from opening an account.

Pros

  • Rewards don’t expire for the life of the account
  • Redeem for gift cards, travel, or Amazon.com merchandise
  • No earning limits on cash back

Cons

  • Foreign transaction fee

Ink Business Unlimited® Credit Card: Best for flat-rate business rewards

Rewards

A few small-business cards offer rewards with no annual fee, and this is one of them. As a welcome bonus, earn $750 back after a $7,500 spend within the first 3 months from opening an account. 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’ bonuses through the portal.

Pros

  • Rewards don’t expire for the life of the account
  • Variety of redemption options, including statement credits, deposit into checking or savings, travel, gift cards, Amazon.com purchases, and experiences
  • No limit on the rewards you can earn

Cons

  • No bonus categories
  • 3% foreign transaction fee

Chase Freedom Flex℠: Best for flexible cash back

Rewards

In addition to a $200 bonus after spending $500 on purchases in your first 3 months from opening an account, this card offers a variety of ways to earn. Cardholders will have access to 5% cash back in rotating bonus categories each quarter, 5% cash back on travel purchased through Chase, 3% back at drugstores and restaurants and 1% back on all other purchases. You’ll also be greeted with a 0% intro APR for 15 months on purchases (then 14.99% – 23.74%, variable) – all without an annual fee.

Pros

  • Redeem points for cash, travel, gift cards or merchandise
  • Rewards don’t expire

Cons

  • $1,500 quarterly limit on 5% cash back
  • Categories must be activated by a deadline each quarter

Chase Sapphire Reserve®: Best for earning a big intro bonus

Rewards

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 – Those who redeem points for travel through Chase Ultimate Rewards get 50% more value. Also, through 4/20/21, earn 50% through Chase Ultimate Rewards when redeemed for grocery, dining, home improvement and contributions to select charities. And from 11/1/20-4/30/21, earn 3X points on grocery store purchases (up to $1,000 a month). Earn 60,000 points after a $4,000 spend within the first 3 months from opening an account, then earn up to a $300 travel credit each year and 3X points toward travel and dining after that.

Pros

  • No blackout dates or expiration dates
  • Combine points from other Chase cards
  • No limit to how many points you could earn

Cons

  • Lower rewards value for merchandise
  • High annual fee of $550

Southwest Rapid Rewards Premier® Credit Card: Best for Southwest travel

Rewards

Similar to other Southwest options, this card provides a welcome bonus as well as ways to earn consistent rewards. Cardholders can earn 40,000 points after you spend $1,000 on purchases in the first 3 months plus earn 3X points on dining (including takeout and eligible delivery services) for the first year, and are eligible to receive 6,000 points after every cardmember anniversary. It does come with a $99 annual fee, but accessible bonuses and 2X points on Southwest and Rapid Rewards hotel and car rental partner purchases as well as other perks can negate the cost.

Pros

  • No foreign transaction fees
  • First 2 checked bags free
  • Points don’t expire/no blackout dates

Cons

  • No stopovers permitted with rewards tickets
  • Limited options for booking travel and international flights

Southwest Rapid Rewards® Priority Credit Card: Best for Southwest benefits

Rewards

This card also offers the solid sign-up bonus of 40,000 points after you spend $1,000 on purchases in the first 3 months plus earn 3X points on dining (including takeout and eligible delivery services) for the first year, a way to kickstart your points-earning. Cardholders also will receive 2X points on Southwest and Rapid Rewards hotel and car rental partner purchases, plus 7,500 points each account anniversary. With multiple ways to earn, the Southwest Rapid Rewards® Priority Credit Card is a great option for those who frequent Southwest Airlines.

Pros

  • Unlimited rewards seats
  • $75 annual Southwest travel credit
  • No change fees or booking fees
  • One-way rewards tickets permitted

Cons

  • No stopovers permitted on rewards tickets
  • Limited options for future international travel
  • Rewards flights can only be booked on Southwest
  • $149 annual fee

Southwest Rapid Rewards® Plus Credit Card: Best for Southwest with a low annual fee

Rewards

This card offers a solid sign-up bonus of 40,000 points after you spend $1,000 on purchases in the first 3 months from opening an account. As an added first-year bonus, you’ll earn 3X points on dining, including takeout and eligible delivery services. The card 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 low compared to other cards in the travel category.

Pros

  • Unlimited rewards seats
  • No change fees or booking fees
  • One-way rewards tickets permitted

Cons

  • No stopovers permitted on rewards tickets
  • Limited options for future international travel
  • You can only book rewards flights on Southwest, since Southwest doesn’t have airline partners

United℠ Explorer Card: Best for United Miles

Rewards

This card is packed with rewards and benefits: Earn 2X miles at restaurants and hotel stays as well as United purchases, and 25% back as a statement credit on in-flight purchases. 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 checked 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.

Pros

  • Use miles for airfare on United, car rentals, hotel stays, merchandise, donation or annual fee reimbursement
  • No limit on the amount of miles you can collect
  • No blackout dates

Cons

  • High fees for awards changes
  • Saver Awards are capacity-controlled

Marriott Bonvoy Bold™ Credit Card: Best for Marriott Rewards

Rewards

An awesome travel accessory, the Marriott Bonvoy Bold opens up new opportunities for your hotel stays. Marriott offers the largest hotel network in the world, so there will be no shortage of places to stay (and earn!). Cardholders will earn 3X points at Marriott Bonvoy properties, 2X points on travel purchases and 1X points on other purchases. And as a nice greeting as you walk in the door, for a limited time you can earn 50,000 points after spending $1,000 in your first 3 months.

Pros

  • Fast track to silver elite status with Marriott
  • No annual fee
  • Transfer points to 40+ airline partners

Cons

  • Availability can be scarce during busy periods
  • Redemption options outside of hotel stays aren’t worthwhile

Ink Business Preferred® Credit Card: Best for overall business rewards value

Rewards

Chase’s premier Ink Business card, the Ink Business Preferred will reward you with the same 25% boost toward travel redemptions 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 and select business categories.

Pros

  • Travel and purchase protection
  • Many redemption categories
  • Transfer points to other Ultimate Rewards cards

Cons

  • No introductory APR period
  • Annual fee of $95 not waived the first year

Ink Business Cash® Credit Card: Best for no annual fee business card

Rewards

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. As a sign-up bonus, you can earn $750 back after a $7,500 spend within the first 3 months from opening an account. Additionally, earn 5% back on the first $25,000 in combined spend on office supplies, as well as internet, cable and phone services each anniversary year; and earn 2% back on the first $25,000 in combined spend 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.

Pros

  • Rewards don’t expire for the life of the account
  • Transfer points to qualifying Ultimate Rewards cards
  • No annual fee

Cons

  • $25,000 combined purchase limit on bonus categories
  • Lower rewards structure outside of the bonus categories

British Airways Visa Signature® Card: Best for British Airways fans

Rewards

If you’ll fly regularly on British Airways, this card is a great option. You’ll earn 5 Avios for every $1 spent on British Airways, Aer Lingus, Iberia and Level within your first 12 months and the sign-up bonus is 50,000 Avios for spending $3,000 on purchases within the first 3 months and earn a Travel Together Ticket after you spend $20,000 total on purchases within your first year of account opening.

Pros

  • The points won’t expire for the life of the account
  • Excellent redemption value on partner airlines and upgrades on future flights with British Airways

Cons

  • Limited rewards seats on future flights (sometimes very limited)
  • Huge spend required to earn companion ticket

World of Hyatt Credit Card: Best for Hyatt Rewards

Rewards

Frequent travelers will want to take a look at this high-earning hotel card. Featuring 9X points on Hyatt hotel purchases, 2X points on restaurants, eligible airfare, local transit and fitness club memberships and 1X points elsewhere, this card provides a slew of different ways to earn. Hyatt also offers a few bonuses you can qualify for: Earn 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Additionally, you’ll receive an annual free night and the chance to earn an additional free night’s stay each year you spend $15,000 (at a category 1-4 Hyatt hotel).

Pros

  • Excellent rewards value
  • No blackout dates and points don’t expire
  • Transfer points to Chase Ultimate Rewards at 1:1 rate

Cons

  • Redemption options outside of hotel stays aren’t worthwhile
  • Annual fee of $95

IHG® Rewards Club Premier Credit Card: Best for IHG Rewards

Rewards

Thanks to a large sign-up bonus, hotel rewards and annual bonuses, this card is a great option for vacationers and business travelers. Cardholders will receive 10,000 bonus points each year they spend $20,000 and make 1 additional purchase, plus a rewards night. Additionally, this card earns you 25X points total on IHG purchases, 2X points at gas stations, grocery stores and restaurants, and 1X points on all other purchases. As a welcome offer, you also have the chance to earn 125,000 points plus a Reward Night after spending $3,000 in your first 3 months from opening an account.

Pros

  • Pay with points plus cash at any IHG hotel
  • No blackout dates and points don’t expire

Cons

  • Redemption options outside of hotel stays aren’t worthwhile
  • Annual fee of $89
  • Rewards chart that has seen diminishing value

Marriott Bonvoy Boundless Credit Card: Best for annual free night award

Rewards

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 2X points on all other purchases.

Pros

  • Fast track to silver elite status with Marriott
  • Points don’t expire as long as card is active every 24 months
  • Transfer points to 40+ airline partners

Cons

  • Availability can be scarce during busy periods
  • Free night certificate is only eligible for standard rooms valued up to 35,000 points

Compare the top Chase credit card offers:

Card NameBest ForAnnual FeeReview Score
Chase Sapphire Preferred® CardBest overall offer$953.9 / 5
Chase Freedom Unlimited®Flat-rate cash back$03.8 / 5
Ink Business Unlimited® Credit CardFlat-rate business rewards$03.5 / 5
Chase Freedom Flex℠Flexible cash back$03.9 / 5
Chase Sapphire Reserve®Travel$5504.6 / 5
Southwest Rapid Rewards® Premier Credit CardSouthwest travel$993.7 / 5
Southwest Rapid Rewards® Priority Credit CardSouthwest benefits$1493.8 / 5
Southwest Rapid Rewards® Plus Credit CardSouthwest card with a low annual fee$693.7 / 5
UnitedSM Explorer CardUnited miles$95, waived first year3.7 / 5
Marriott Bonvoy Bold® Credit CardMarriott rewards$03.1 / 5
Ink Business Preferred® Credit CardOverall business rewards value$953.8 / 5
Ink Business Cash® Credit CardNo annual fee business card$03.3 / 5
British Airways Visa Signature® CardSign-up bonus$953.9 / 5

Chase Sapphire Preferred vs. Chase Sapphire Reserve

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 & BenefitsChase Sapphire PreferredChase Sapphire Reserve
Sign-up Bonus80k pts, $4,000/3-mth spend60k pts, $4,000/3-mth spend
Ongoing rewards2X pts worldwide travel, dining3X pts worldwide travel*, dining
Annual fee$95$550
Travel redemption, Ultimate Rewards25% more50% more
Foreign transaction feeNoneNone
Annual creditNone$300 for travel purchases
Global Entry/TSA Pre-Check creditNoneUp to $100 application fee credit
Airport lounge accessNoneYes
Rental Car privilegesYesYes
Select complimentary hotel upgradesYesYes
Travel & purchase coverageYesYes

*3x pts on travel immediately after earning your $300 travel credit

What is Chase?

JPMorgan Chase Bank & Co., or Chase Bank, is a national bank and credit card issuer. It partners primarily with two networks, Visa and Mastercard, which process charges made at retailers. 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, cash back and travel products.

Chase credit cards can be used internationally in most locations. 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.

How many Chase credit cards can I have?

While in theory there is no limit to the number of Chase cards you can hold, the Chase 5/24 rule states that if you’ve opened five or more credit cards from any issuer within the last 24 months, you’re unlikely to be approved for a new Chase card.

If it’s necessary, waiting the time to comply with the rule and apply may be worth it. Many cardholders have had great success with the strategy of pairing multiple Chase cards.

How to maximize Chase Ultimate Rewards

Chase products are among the best in the credit card market, whether you are looking at business cards or personal cards. Chase’s redemption options are well-rounded no matter the card you carry, and are truly elite with their top luxury cards. Also, sign-up bonuses are lucrative, benefits are excellent and ongoing rewards are rich.

How to earn Chase Ultimate Rewards

With the right card, your typical spending should help you rack up points within the Chase Ultimate Rewards portal. Any of the Chase Freedom, Chase Sapphire or Ink Business cards earn Ultimate Rewards points.

Aside from simply using the right card, there are several ways to further take advantage of everything Chase has to offer, such as earning a generous sign-up bonus, utilizing more than one Chase card, capitalizing on a referral bonus, seeking out limited time offers and more. Our Chase Ultimate Rewards Guide helps walk through all the steps you can take to maximize your earnings.

How to redeem Chase Ultimate Rewards

Chase offers plenty of options when it comes to redeeming your Ultimate Rewards points, including travel, gift cards, Amazon.com purchases, Chase Pay purchases and more. However, not all points are equal in the process.

Depending on what you want to redeem your points on and the card you carry, you may be shorting yourself on value. Redeeming for travel is often more worthwhile than something like exchanging points for an Amazon.com purchase. The average point values of Chase Ultimate Rewards redemption options can be a useful resource when redeeming online:

Redemption OptionPoint value
Travel purchase through Ultimate Rewards portal1.5 cents (Sapphire Reserve)
1.25 cents (Sapphire Preferred and Ink Business Preferred)
1 cent (all other cards)
Travel purchase (not Ultimate Rewards)1 cent
Statement credit1 cent
Direct deposit1 cent
Gift cards1 cent
Apple product purchases1 cent
Amazon.com purchases0.8 cents

What counts as dining and travel to Chase?

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 to (more recently) takeout services, 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 Ultimate Rewards transfer partners

The points you earn with Chase are flexible in more ways than one, but the ability to transfer points to their multitude of travel partners might be at the top of the list. Points can be moved (at varying rates) to Chase’s airline and hotel partners, which include:

  • Aer Lingus
  • Air France/KLM
  • British Airways
  • Emirates Skywards
  • Iberia Plus
  • JetBlue Airways
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic
  • IHG Rewards Club
  • World of Hyatt
  • Marriott Bonvoy

Additional Chase benefits outside of cash back/rewards

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:

  • Chase Pay
  • Access to airport lounges
  • No foreign transaction fees
  • Visa Infinite concierge
  • Car rental privileges
  • Global Entry or TSA Pre-Check fee credit
  • Annual credit
  • No annual fee or waived fee first year
  • Extended warranty
  • 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

Frequently Asked Questions