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BEST FOR OVERALL FLEXIBLE TRAVEL REWARDS
Chase Sapphire Preferred® Card
Our rating:4.3 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.

Rewards rate

5x
5x on travel purchased through Chase Ultimate Rewards®
3x
3x on dining.
2x
2x on all other travel purchases, plus more.

At A Glance

Intro offer
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 $750 when you redeem through Chase Ultimate Rewards®.
Annual fee
$95
Regular APR
15.99% - 22.99% variable
BEST FOR FLAT-RATE CASH BACK
Chase Freedom Unlimited®
Our rating:4.8 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.

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

At A Glance

Intro offer
Earn an Additional 1.5% Cash Back Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Annual fee
$0
Regular APR
14.99% - 23.74% variable
BEST FOR FLAT-RATE BUSINESS REWARDS
Ink Business Unlimited® Credit Card
Our rating:3.5 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.

Rewards rate

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

At A Glance

Intro offer
$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 Cards from Chase

BEST FOR INTRO APR ON BALANCE TRANSFERS
Chase Slate Edge℠
Our rating:4.5 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.

Rewards rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro offer
No current offer
Annual fee
$0
Regular APR
14.99% - 23.74% variable
BEST FOR FLEXIBLE CASH BACK
Chase Freedom Flex℠
Our rating:4.3 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.

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.

At A Glance

Intro offer
$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
BEST FOR TRAVEL
Chase Sapphire Reserve®
Our rating:4.3 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.

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

At A Glance

Intro offer
50,000 points Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Annual fee
$550
Regular APR
16.99% - 23.99% variable
BEST FOR SOUTHWEST TRAVEL
Southwest Rapid Rewards® Premier Credit Card
Our rating:3.7 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.

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.

Rewards rate

3X
New! Earn 3X points on Southwest® purchases.
2X
New! Earn 2X points on local transit and commuting, including rideshare.
2X
New! Earn 2X points on internet, cable, phone services, and select streaming.

At A Glance

Intro offer
40,000 points Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Annual fee
$99
Regular APR
15.99% - 22.99% variable
BEST FOR SOUTHWEST BENEFITS
Southwest Rapid Rewards® Priority Credit Card
Our rating:3.6 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.

Rewards rate

3X
New! Earn 3X points on Southwest® purchases.
2X
New! Earn 2X points on local transit and commuting, including rideshare.
2X
New! Earn 2X points on internet, cable, phone services, and select streaming.

At A Glance

Intro offer
40,000 points Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Annual fee
$149
Regular APR
15.99% - 22.99% variable
BEST SOUTHWEST CARD WITH A LOW ANNUAL FEE
Southwest Rapid Rewards® Plus Credit Card
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.

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.

Rewards rate

2X
Earn 2X points on Southwest® purchases.
2X
New! Earn 2X points on local transit and commuting, including rideshare.
2X
New! Earn 2X points on internet, cable, phone services, and select streaming.
1X
Earn 1 point for every $1 spent on all other purchases.

At A Glance

Intro offer
40,000 points Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Annual fee
$69
Regular APR
15.99% - 22.99% variable
BEST FOR UNITED MILES
United℠ Explorer Card
Our rating:3.7 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.

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.

Rewards rate

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

At A Glance

Intro offer
60,000 Bonus Miles Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Annual fee
$95, waived first year
Regular APR
16.49% - 23.49% variable
BEST FOR MARRIOTT REWARDS
Marriott Bonvoy Bold® Credit Card
Our rating:3.3 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.

Rewards rate

14X
Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
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 offer
30,000 Points Earn 30,000 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

Chase Sapphire Reserve®
Our rating:4.3 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.

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

At A Glance

Intro offer
50,000 points Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Annual fee
$550
Regular APR
16.99% - 23.99% variable
United℠ Explorer Card
Our rating:3.7 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.

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.

Rewards rate

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

At A Glance

Intro offer
60,000 Bonus Miles Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Annual fee
$95, waived first year
Regular APR
16.49% - 23.49% variable
Southwest Rapid Rewards® Plus Credit Card
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.

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.

Rewards rate

2X
Earn 2X points on Southwest® purchases.
2X
New! Earn 2X points on local transit and commuting, including rideshare.
2X
New! Earn 2X points on internet, cable, phone services, and select streaming.
1X
Earn 1 point for every $1 spent on all other purchases.

At A Glance

Intro offer
40,000 points Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Annual fee
$69
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Premier Credit Card
Our rating:3.7 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.

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.

Rewards rate

3X
New! Earn 3X points on Southwest® purchases.
2X
New! Earn 2X points on local transit and commuting, including rideshare.
2X
New! Earn 2X points on internet, cable, phone services, and select streaming.

At A Glance

Intro offer
40,000 points Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Annual fee
$99
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Priority Credit Card
Our rating:3.6 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.

Rewards rate

3X
New! Earn 3X points on Southwest® purchases.
2X
New! Earn 2X points on local transit and commuting, including rideshare.
2X
New! Earn 2X points on internet, cable, phone services, and select streaming.

At A Glance

Intro offer
40,000 points Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Annual fee
$149
Regular APR
15.99% - 22.99% variable

More cash back cards from Chase

Ink Business Unlimited® Credit Card
Our rating:3.5 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.

Rewards rate

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

At A Glance

Intro offer
$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
Back to top

Best Chase credit cards compared

Card NameBest ForAnnual FeeReview Score
Chase Sapphire Preferred® CardBest for overall flexible travel rewards$954.3 / 5
Chase Freedom Unlimited®Flat-rate cash back$04.8 / 5
Ink Business Unlimited® Credit CardFlat-rate business rewards$03.5 / 5
Chase Freedom Flex℠Flexible cash back$04.3 / 5
Chase Sapphire Reserve®Travel$5504.3 / 5
Southwest Rapid Rewards® Premier Credit CardSouthwest travel$993.7 / 5
Southwest Rapid Rewards® Priority Credit CardSouthwest benefits$1493.6 / 5
Southwest Rapid Rewards® Plus Credit CardSouthwest card with a low annual fee$694.1 / 5
UnitedSM Explorer CardUnited miles$95, waived first year3.7 / 5
Marriott Bonvoy Bold® Credit CardMarriott rewards$03.3 / 5
British Airways Visa Signature® CardSign-up bonus$953.6 / 5
Ink Business Cash® Credit CardNo annual fee business card$03.9 / 5
The World of Hyatt Credit CardBest for Hyatt rewards$954.0 / 5
Ink Business Preferred® Credit CardOverall business rewards value$953.8 / 5
IHG® Rewards Club Premier Credit CardBest for IHG rewards$894.3 / 5
Marriott Bonvoy Boundless® Credit CardBest for annual free night award$954.4 / 5

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

Why we picked it: 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. 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.

Pros: As a sign-up bonus, you can earn 60,000 points after a $4,000 spend within the first three months from opening an account – which translates into $750 toward travel when using Chase Ultimate Rewards. This card also has no points limits, expiration dates or blackout dates.

Cons: Despite being a top travel card, this option misses on some luxury travel perks, such as granting access to airport lounges. It also comes with a $95 annual fee.

Who should apply? This versatile rewards card is a great option for travelers thanks to its travel rewards program and generous sign-up bonus.

Who should skip? Although it’s a great travel card, those who want a luxurious experience along with higher travel and dining rewards will want to explore other options.

Read our Chase Sapphire Preferred review or jump back to this card’s offer details.

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

Why we picked it: This card gives significant cash back across multiple categories: Earn 5% cash back on travel through Chase Ultimate Rewards, 5% back on Lyft purchases (through March 2022), 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 opportunity to earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Pros: Your cash back is unlimited and 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.

Cons: Although it can reward your travel purchases, this card comes with a foreign transaction fee.

Who should apply? People who spend across several categories can benefit from this card’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.

Who should skip? If your spending is focused in one area such as gas or travel bookings, you’ll likely see greater benefit from a more honed-in card.

Read our Chase Freedom Unlimited review or jump back to this card’s offer details.

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

Why we picked it: This card offers 1.5% cash back on all purchases made for your business. And as a welcome bonus, earn $750 back after a $7,500 spend within the first three months from opening an account. To top it off, there’s no annual fee.

Pros: 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.

Cons: 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.

Who should apply? Small-business owners looking for an affordable card to help boost rewards should look to the Ink Business Unlimited.

Who should skip? If your business expenses tend to fall in a specific category or two, it’s worth the time to evaluate other business credit cards and see if you can capitalize on bonus reward rates.

Read our Ink Business Unlimited review or jump back to this card’s offer details.

Chase Freedom Flex℠: Best for flexible cash back

Why we picked it: 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 Ultimate Rewards, 3% back at drugstores and restaurants and 1% back on all other purchases. The card also comes with a 0% intro APR for 15 months on purchases (then 14.99% to 23.74%, variable) – all without an annual fee.

Pros: Similar to the Chase Freedom Unlimited, this card also offers 5% cash back on all Lyft purchases through March 2022. There’s also a $200 sign-up bonus after spending $500 in your first three months.

Cons: 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.

Who should apply? Active cardholders who want to take advantage of bonus rewards and those looking for an intro APR offer are best suited for this card. It takes a little extra work to reap the full benefits of Chase’s rotating categories schedule, but the right cardholders make it worthwhile.

Who should skip? Someone looking for widespread rewards without having to jump through a lot of hoops will likely get more value out of the Chase Freedom Unlimited.

Read our Chase Freedom Flex review or jump back to this card’s offer details.

Chase Sapphire Reserve®: Best for travel

Why we picked it: New cardholders can earn 50,000 points after spending $4,000 within the first three months from opening an account. Although it does come with a steep annual fee ($550), it makes up for it by giving points a 50% boost in value toward travel through Chase Ultimate Rewards and plenty of luxury travel and dining perks.

Pros: 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.

Cons: In addition to the high annual fee, this card doesn’t come with an introductory APR offer.

Who should apply? 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.

Who should skip? If you’re not a frequent traveler who plans to use this credit card often to reap the biggest benefits, this isn’t a great choice.

Read our Chase Sapphire Reserve review or jump back to this card’s offer details.

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

Why we picked it: In addition to long-term 3X points earned on Southwest purchases, cardholders can earn 40,000 bonus points after spending $1,000 on purchases in the first three months.

Pros: There are no foreign transaction fees, blackout dates or points expiration. Plus, your first two bags fly free with Southwest. Another generous bonus, cardholders are eligible to receive 6,000 points after every cardmember anniversary.

Cons: Your rewards tickets can’t be used on layover flights and there are limited options for booking international travel. The card also features a $99 annual fee.

Who should apply? This card makes traveling easier and more affordable for loyal Southwest travelers who commit to the airline.

Who should skip? If you don’t want to be tied to one airline, you should look at more flexible airline credit cards.

Read our Southwest Rapid Rewards Premier credit card review or jump back to this card’s offer details.

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

Why we picked it: Much like the Southwest Rapid Rewards Premier, this card also offers the solid sign-up bonus of 40,000 bonus points after spending $1,000 on purchases in the first three months. Cardholders also receive 3X points on Southwest purchases and 2X points on Rapid Rewards hotel and car rental partner purchases, plus 7,500 points each account anniversary.

Pros: On top of the bonuses and rewards, this card offers unlimited rewards seats, an annual $75 Southwest travel credit, four Upgraded Boardings per year (when available) and no fees for changing or booking flights. And to give some added flexibility, Southwest allows you to book one-way tickets with your rewards.

Cons: The card comes with an annual fee of $149.

Who should apply? If you often fly 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.

Who should skip? If you don’t fly Southwest often or want an airline credit card packed with added perks like lounge access, this card won’t give you the value you’re looking for.

Read our Southwest Rapid Rewards Priority credit card review or jump back to this card’s offer details.

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

Why we picked it: With an annual fee of just $69, this card still offers the solid sign-up bonus of 40,000 bonus points after spending $1,000 on purchases in the first three months.

Pros: 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. Keeping up with the other Southwest options, this card offers no blackout dates, change fees or booking fees.

Cons: Southwest’s flight network is more limited than other major airlines and there isn’t much flexibility in rewards redemption.

Who should apply? If you’re interested in an affordable airline card and like to travel with Southwest, this is a solid option. It may not have all that’s offered by the other Southwest Rapid Rewards cards, but it provides similar value in several ways.

Who should skip? If you want the best prices and are not loyal to one airline, you might be better off with a general travel rewards card.

Read our Southwest Rapid Rewards Plus credit card review or jump back to this card’s offer details.

United℠ Explorer Card: Best for United Miles

Why we picked it: 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.

Pros: This card comes with a sign-up bonus of 60,000 bonus miles after spending $3,000 in the first three months. You can use your miles to redeem for United flights, car rentals, hotel stays and more. Also, matching Southwest’s standard, your miles are uncapped and there are no blackout dates.

Cons: There’s a $95 annual fee, but luckily it’s waived in the first year.

Who should apply? 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, the occasional traveler will also be able to make good use of this card.

Who should skip? Travelers looking for higher rewards rates and bigger benefits can find better options.

Read our United Explorer card review or jump back to this card’s offer details.

Marriott Bonvoy Bold® Credit Card: Best for Marriott Rewards

Why we picked it: If you often stay with the world’s largest hotel network, you may want to check in with this card. It offers 3X points on purchases at Marriott Bonvoy properties, 2X points on travel purchases and 1X points on all other purchases. This travel card also comes with a sign-up bonus: you can earn 30,000 points after spending $1,000 in your first three months.

Pros: 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. Additionally, Marriott offers hotel destinations all over the world – which can be explored thanks to the card’s 40+ airline partners.

Cons: 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. And if you frequent other hotels outside of Marriott, a generic travel card could be a more useful addition to your wallet.

Who should apply? 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.

Who should skip? Being a card designed for frequent Marriott guests, it won’t provide much value to you if you don’t often stay with the hotel chain.

Read our Marriott Bonvoy Bold review or jump back to this card’s offer details.

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

Why we picked it: If you fly regularly on British Airways, this card could be a good option. You’ll earn 5 Avios for every $1 spent on British Airways, Aer Lingus, Iberia and LEVEL within your first 12 months (then 3 Avios) and the sign-up bonus is 100,000 Avios for spending $5,000 on purchases within the first three months.

Pros: To continue the travel perks, when you purchase directly with hotels, this card earns 3 Avios per $1 during the first 12 months of account opening (2 Avios per $1 after). Also, points don’t expire (as long as your account isn’t inactive for 36 months), and it’s possible to get even more value on partner airlines and upgrades on future flights.

Cons: Flight availability can be very limited at times, and long-distance flights can still be very expensive, even when redeeming points. British Airways is known to add steep surcharges, and the value of the British Airways Avios falls short of the point value found in the loyalty programs of major competitors.

Who should apply? If you frequent British Airways and know how to avoid their high fuel surcharges (such as by booking with their partners like American or Alaska), this card can provide exceptional value.

Who should skip? If you prefer an easy and straightforward travel rewards card that provides exceptional value on all your travel spending, this isn’t the card for you.

Read our British Airways Visa Signature review.

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

Why we picked it: 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 $750 back after a $7,500 spend within the first three months from opening an account.

Pros: You’ll earn 5% cash back on internet, cable, phone services and office supply stores, 2% back at gas stations and restaurants and 1% back on all other purchases. If your employees are working from home, this cash back reward could be a great incentive for making sure they have the materials they need to keep your business successful. Your rewards won’t expire, and this card comes with a fairly low APR rate of 13.24% to 19.24% (variable).

Cons: 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.

Who should apply? Thanks to a strong sign-up bonus and common rewards categories, this is a great no-annual-fee credit card for small businesses.

Who should skip? Businesses with large budgets that will easily exceed the $25,000 cap on bonus-rate spending should look to see what they can earn with a less limiting card.

Read our Ink Business Cash review.

World of Hyatt Credit Card: Best for Hyatt Rewards

Why we picked it: Frequent travelers will want to take a look at this high-earning hotel card. If you’re a World of Hyatt member, you’ll earn up to 9X points on Hyatt hotel purchases, as well as 2X points on restaurants, eligible airfare purchased directly from airlines, local transit and fitness club memberships (1X points on all other purchases). Hyatt also opens their doors to welcome you with 30,000 Bonus Points after you spend $3,000 on purchases in the first three months from account opening. Additionally, you can earn up to 30,000 more bonus points with 2 points per $1 spent on purchases that would normally earn 1 point (up to $15,000 in the first six months of account opening).

Pros: Cardholders will be eligible for a free night (at a Hyatt category 1-4 hotel) each year, and as a promotional offer, can earn a second night’s stay after spending over $15,000 in the year. Also, there are no blackout dates for booking hotels, and points don’t expire. The card comes with an annual fee of $95, but this can be more than made up for by the free night and other perks.

Cons: There’s limited redemption options outside of hotel stays. Hyatt has more than 1,000 properties worldwide, but if there isn’t one where you plan to travel, a free hotel stay isn’t worth much.

Who should apply? Loyal Hyatt members could squeeze some serious value out of this card.

Who should skip? Travelers who aren’t sure if there will be a Hyatt near their destinations may want a more well-rounded travel rewards card. Diehard Chase fans might want to look to pair their Chase Freedom Unlimited or Chase Freedom Flex with another one of the top hotel cards.

Read our World of Hyatt credit card review.

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

Why we picked it: 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 three months and earn 3X points on the first $150,000 spent each year on combined purchases on travel and select business categories.

Pros: The select business categories earning 3X should cover a lot of your expenses: shipping, internet, cable, phone services and advertising purchases all apply. This card also comes with the ability to transfer points and features travel and purchase protection.

Cons: This card comes with an annual fee of $95.

Who should apply? Small business owners looking to earn rewards points rather than cash back should consider this card. Access to the Chase Ultimate Rewards portal and heightened rewards in common categories can provide serious value to business expenses.

Who should skip? 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 another business credit card.

Read our Ink Business Preferred review.

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

Why we picked it: Thanks to a large sign-up bonus, hotel rewards and annual bonuses, this card is a great option for vacationers and business travelers. As a strong yearly promotion, cardholders will receive 10,000 bonus points each year they spend $20,000 and make one additional purchase, plus a rewards night when you redeem points for a stay of four consecutive nights or more. Additionally, this card earns you up to 25X points total on IHG purchases, 2X points at gas stations, grocery stores and restaurants, and 1X points on all other purchases.

Pros: With this card’s welcome offer you have the opportunity to earn 125,000 bonus points plus a Free Night after spending $3,000 in your first three months from opening an account. The card also comes with credit towards Global Entry or TSA PreCheck to make your travels as painless and stress-free as possible. Finally, this card’s points don’t expire and there are no blackout dates.

Cons: There are more lucrative rewards structures (such as the World of Hyatt card) when it comes to earning hotel stays. Also, there’s an $89 annual fee.

Who should apply? If you’re an IHG Rewards Club member, this card is a must for your travels. Frequent travelers looking for a large hotel network tied to their card might also want to consider this card.

Who should skip? Someone who tends to book their travels with a variety of different hotels or with one particular airline should look for a more generic travel option or airline card.

Read our IHG Rewards Club Premier credit card review.

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

Why we picked it: 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: You can earn three Free Nights (each night valued up to 50,000 points) after spending $3,000 in the first three months, plus earn 10X total points on eligible purchases in select categories. Points will stick around as long as you keep your account active, and you can combine them with cash to book stays at some properties as you fast track your way to Marriott Silver Elite status. This card also features an expansive transfer network, allowing you to transfer points to over 40 airline partners.

Cons: On top of the annual fee, 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.

Who should apply? 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 outearn the fee with hotel perks, rewards points and bonus offers.

Who should skip? Fee-averse travelers or those who don’t plan on spending enough to justify the $95 annual price should look elsewhere.

Read our Marriott Bonvoy Boundless credit card review.


What is Chase?

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. In addition to boosting the impact of your points, 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: If you’re a traveler that is consistent with where you stay or how you get there, it might benefit you to look at one of Chase’s co-branded credit cards. 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.
  • Pay Yourself Back: Chase began offering the Pay Yourself Back feature in early 2020, which allows cardholders to redeem their rewards on past purchases with better value (typically boosted from 25% to 50%). The feature is available with the Sapphire series and other select Chase cards until March 21, 2022.
  • 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 Ultimate Rewards 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 Ultimate Rewards 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:


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