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#1 for everyday cash back

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 grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
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

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 grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
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
#1 for earning a big intro bonus

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
1X
1 point per $1 spent on all other purchases

At A Glance

Intro Bonus
50,000 points

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee
$550
Regular APR
16.99% - 23.99% variable

More Cards from Chase

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
3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level.
2X
2 Avios per $1 spent on hotel accommodations.
1X
1 Avios per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 100,000 Avios

Earn up to 100,000 Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

Annual Fee
$95
Regular APR
15.99% - 22.99% variable

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

2X
Earn 2 miles per $1 spent at restaurants and on hotel stays
2X
Earn 2 miles per $1 spent on purchases from United
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
1X
1 mile per $1 spent on all other purchases

At A Glance

Intro Bonus
60,000 miles

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

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

2X
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
1X
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 your account is open.

Annual Fee
$69
Regular APR
15.99% - 22.99% variable

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

2X
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
1X
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 your account is open.

Annual Fee
$99
Regular APR
15.99% - 22.99% variable

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 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

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 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
2X
Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

At A Glance

Intro Bonus
Up to 50,000 points

25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening

Annual Fee
$95
Regular APR
15.99% - 22.99% variable

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

25X
Earn 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 after spending $3,000 on purchases within the first three months of account opening

Annual Fee
$89
Regular APR
15.99% - 22.99% variable

More travel cards from Chase

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.
Apply Now

Rewards Rate

3X
3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level.
2X
2 Avios per $1 spent on hotel accommodations.
1X
1 Avios per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 100,000 Avios

Earn up to 100,000 Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

Annual Fee
$95
Regular APR
15.99% - 22.99% variable

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.
Apply Now

Rewards Rate

2X
Earn 2 miles per $1 spent at restaurants and on hotel stays
2X
Earn 2 miles per $1 spent on purchases from United
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
1X
1 mile per $1 spent on all other purchases

At A Glance

Intro Bonus
60,000 miles

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

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

2X
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
1X
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 your account is open.

Annual Fee
$69
Regular APR
15.99% - 22.99% variable

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

2X
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
1X
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 your account is open.

Annual Fee
$99
Regular APR
15.99% - 22.99% variable

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

9X
Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
2X
Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

At A Glance

Intro Bonus
Up to 50,000 points

25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening

Annual Fee
$95
Regular APR
15.99% - 22.99% variable

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

25X
Earn 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 after spending $3,000 on purchases within the first three months of account opening

Annual Fee
$89
Regular APR
15.99% - 22.99% variable

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

2X
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
1X
1 point per $1 spent on all other purchases and your points never expire.

At A Glance

Intro Bonus
40,000 points

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

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

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, Ink Business Unlimited Credit Card, Ink Business Preferred® Credit Card, Ink Business Cash Credit Card have 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

Why it’s the best Chase card for overall flexible travel 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 portal. So, when you earn 80,000 points after a $4,000 spend within the first 3 months of card membership, those points can translate into $1,000 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.

Pros

  • No points limits
  • No expiration dates/ blackout dates

Cons

  • Doesn’t grant access to airport lounges
  • Lower rewards value for merchandise

Chase Freedom Unlimited®

Why it’s the best Chase card for flat-rate cash back

The Chase Freedom Unlimited offers no annual fee and has a nice sign-up bonus of $200 after a $500 spend within the first 3 months. New cardholders can now earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Plus, 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.

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 UnlimitedSM Credit Card

Why it’s the best Chase card for flat-rate business rewards

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.

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 Sapphire Reserve®

Why it’s the best Chase card for earning a big intro bonus

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.

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

Ink Business Preferred® Credit Card

Why it’s the best Chase card for overall business rewards value

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.

Pros

  • Cell phone, 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 CashSM Credit Card

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.

Why it’s the best Chase card for no annual fee business cards

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.

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

Why it’s the best Chase card for British Airways fans

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.

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

UnitedSM Explorer Card

Why it’s the best Chase card for United Miles

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.

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

Southwest Rapid Rewards® Plus Credit Card

Why it’s the best Chase card from Southwest with a low annual fee

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.

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

Compare the top Chase credit card offers:

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

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 & Benefits Chase Sapphire Preferred Chase Sapphire Reserve
Sign-up Bonus 80k 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

What is Chase?

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.

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 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:

  • IHG Rewards Club Premier Card
  • Disney Rewards Visa
  • Ritz-Carlton Rewards
  • Marriott Rewards Premier Business

How to earn and use Chase Ultimate Rewards

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.

What kind of points do I earn with Chase?

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.

What can I use Chase Ultimate Rewards for?

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.

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, 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.

What airlines can I use with my Chase Ultimate Rewards?

  • Aer Lingus
  • Air France/KLM
  • British Airways
  • Iberia Plus
  • Korean Air
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic

What hotel partners can I use with my Chase Ultimate Rewards?

  • IHG
  • Hyatt
  • Marriott
  • Ritz-Carlton

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

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.