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The best Chase credit cards feature all the perks consumers are after, including big bonuses, high rewards rates, and lengthy intro APR offers. They also offer plenty of complimentary protections with their Chase credit card benefits.
Great for: Diverse cash back bonus categories
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
20.49%-29.24% Variable
Rewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
5% cash back offer
Annual Fee N/A
$0
Welcome Offer Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
$200 bonus
This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus. Read Full Review
Chase Sapphire Preferred® Card
Great for: Travel sign-up bonus and transfer partners
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49%-28.49% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Annual Fee N/A
$95
Welcome Offer 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 Travel℠.
60,000 bonus points
The enormous welcome bonus (worth $750), bonus points for travel and dining, and $50 annual hotel credit alone make this card well worth the $95 annual fee. What really stands out are the rare travel protections such as trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. It’s one of the only low annual fee cards we’ve seen offer those protections. Read Full Review
Great for: High-end travel benefits
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
22.49%-29.49% Variable
Rewards Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.
Annual Fee N/A
$550
Welcome Offer 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 Travel℠.
60,000 bonus points
All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost. Read Full Review
Great for: Unlimited 1.5% cash back and no annual fee
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
20.49% - 29.24% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee N/A
$0
Welcome Offer Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase. Read Full Review
Ink Business Preferred® Credit Card
Great for: Business sign-up bonus and travel
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24%-26.24% Variable
Rewards Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Earn 3 points per $1 in select business categories
Annual Fee N/A
$95
Welcome Offer Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100,000 bonus points
This business card gets you access to the Chase Ultimate Rewards ecosystem, and you'll start with 100,000 Ultimate Rewards points by qualifying for its eye-popping welcome bonus. Earning 3x points per $1 on popular business expenses means you can cover your bills and be generously rewarded in the process. Read Full Review
Ink Business Cash® Credit Card
Great for: Business cash back and no annual fee
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
18.49% - 24.49% Variable
Rewards 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Earn 5% cash back in select business categories
Annual Fee N/A
$0
Welcome Offer Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn up to $750 bonus cash back
A card with no annual fee and a 5% cash back rate on common spending categories for a savvy business owner? Chase delivers -- and you can even earn a particularly generous welcome bonus and enjoy travel and purchase protections with this card. Read Full Review
Marriott Bonvoy Boundless® Credit Card
Great for: Frequent Marriott Bonvoy stays
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49% - 28.49% Variable
Rewards Earn up to 17X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy® and 2X points on all other purchases.
Up to 17X Points on Stays
Annual Fee N/A
$95
Welcome Offer Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
The sign-up bonus, premium hotel rewards earn rate, and deep bench of hotel properties makes this a compelling pick for hotel stays.
United Club℠ Infinite Card
Great for: Premium United Airline frequent flyers
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.99% - 28.99% Variable
Rewards Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
N/A
Annual Fee
$525
Welcome Offer Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 80,000 bonus miles
Even with the hefty annual fee, this card packs considerable value for people who can take advantage of the United Club membership and other perks.
Great for: Doordash delivery benefits
On Chase's Secure Website.
On Chase's Secure Website.
Good (670-850)
Regular APR
20.24% - 28.99% variable
Rewards 4% cash back on DoorDash and Caviar orders. 3% cash back on dining. 2% cash back on grocery stores. 1% cash back on all other purchases
1%-4% cash back
Annual Fee N/A
$0
Welcome Offer With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).
Free Dash Pass for a year
The Chase DoorDash Rewards Mastercard credit card is a no-fee card offering generous cash-back rewards on and off the food delivery platform DoorDash. Cardholders get 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a restaurant, 2% cash back on grocery stores online or in-store and 1% on all other purchases. Read Full Review
The best Chase credit card for most people is the Chase Freedom Unlimited®. Its combination of perks give it the most value out of all the cards in Chase's lineup. To put it another way, based on our calculations, the Chase Freedom Unlimited® offers the most potential of most Chase cards.
Here's a quick rundown of this card's benefits:
Although the Chase Freedom Unlimited® is our choice as the best overall Chase card, that doesn't mean it's the best choice for every situation. Some consumers will find that another card fits them better. For example, frequent travelers can get the most value from a Chase travel card, like one of the Chase Sapphire cards. Before you apply, learn how to prequalify for a card from Chase.
The Chase Preferred credit card benefits include one of the most valuable welcome bonus offers of any travel card, purchase protections, and Chase's versatile Ultimate Rewards points, all for an affordable annual fee.
Read the full Chase Sapphire Preferred® Card review
The Chase Sapphire Reserve provides a full suite of useful travel perks, including spending credits, airport lounge access, trip insurance, and bonus rewards on travel purchases. It has a costly annual fee, but the Chase Reserve credit card benefits are some of the most extensive of any credit card.
Read the full Chase Sapphire Reserve review
The Chase Freedom Flex earns bonus cash back in a long list of spending categories. There's also a 0% intro APR on purchases and balance transfers and no annual fee.
Read the full Chase Freedom Flex review
The Chase Freedom Unlimited has several bonus categories and earns 1.5% back on non-bonus purchases. This no annual fee card also comes with a 0% intro APR on purchases and balance transfers.
Read the full Chase Freedom Unlimited review
The Chase Ink Business Preferred earns extra points on a variety of common business expenses. It also has a high-value welcome bonus and offers free employee cards.
Read the full Chase Ink Business Preferred review
The Chase Ink Business Cash offers high cash back rates and a 0% intro APR on purchases. The fact that this business credit card has no annual fee and Chase's extended warranty protection makes it even more valuable.
Read the full Chase Ink Business Cash review
The Prime Visa earns one of the highest cash back rates on Amazon and Whole Foods purchases. It also offers Chase's purchase protection in case any eligible purchases are damaged or stolen.
Read the full Prime Visa review
United frequent flyers will enjoy United Club membership, two free checked bags, and earn rewards faster with 4x miles on United purchases, and 2x miles on dining and all other travel. The card also helps United Mileage Plus members earn points to higher status.
Read the full United Club℠ Infinite Card review
Avid DoorDash users get free DashPass every year and earn high cash back on DoorDash and Caviar orders as well as cash back on all other purchases. With no annual fee, DoorDash loyalists will see a benefit.
Which Chase credit card is best? The Chase credit card that's best for you is the one that fits your lifestyle and spending habits.
To figure that out, start by deciding whether you want cash back or travel rewards. Cash back cards are better if you want to keep your credit card rewards as simple as possible or if you don't travel that often. Travel rewards cards typically offer more value for frequent travelers. If you take at least two or three trips per year, then it's worth looking at Chase travel cards.
Once you've decided which type of card you want, here's how to compare credit cards from Chase and pick the right one.
Chase has two cash back cards for consumers, and they're two of the best you can find: The Chase Freedom Unlimited® and the Chase Freedom Flex®. These Chase Freedom credit cards have very similar cash back rates. Both offer 5% on travel purchases through Chase Ultimate Rewards, 3% on dining, and 3% on drugstore purchases. There is one key difference:
It all comes down to whether the cardmember prefers rotating bonus categories where you can earn 5% back or an extra reward with a rate of 1.5% on regular purchases.
The Chase Freedom Unlimited® is also a Visa card, whereas the Chase Freedom Flex® is a Mastercard. But that usually isn't a deciding factor compared to bonus point opportunities.
Note that these are both no annual fee credit cards. If you want to get both to maximize your cash back, it won't cost you any extra fees. There are also more cash back cards available if you're open to a Chase business credit card.
Chase has quite a few travel cards, including cards in its Ultimate Rewards program, airline credit cards, and hotel credit cards. Once again, it helps to narrow down your options. Decide whether you want an Ultimate Rewards card or a card tied to a specific airline or hotel.
Ultimate Rewards cards are a better fit for travelers who aren't loyal to any particular airline or hotel chain. Since there are so many ways you can book travel with Ultimate Rewards points, you could use your rewards for just about any trip you take. There are two Ultimate Rewards travel cards for consumers. The Chase Sapphire Preferred® Card is the more affordable option. The Chase Sapphire Reserve® is much more expensive, but it also has a lot more benefits that could be valuable if you travel several times per year.
If you usually fly with the same airline or stay at the same hotel, then you may want a card with that travel provider. Chase is partnered with several airlines and hotels. Some of them have one credit card available with Chase, while others have multiple credit cards you can choose from.
It takes a little bit of digging through the Chase website to find the right contact information, as it depends on the particular issue. However, if you would like to report your card lost, stolen, or damaged, you can contact them at 1-800-432-3117.
The J.D. Power 2023 U.S. Credit Card Satisfaction Study ranked Chase in 6th place, right behind the industry average.
Chase offers bonus rewards for referrals through its Refer-a-Friend promotions. To see current referral bonuses and check if you're eligible, visit the Chase Refer-a-Friend page. Choose the Chase credit card you have, and then fill out the form with your last name, ZIP code, and the last four digits of your card number. If you're eligible, you'll receive a referral link you can share.
You receive a bonus when your friends and family apply through your referral link and are approved. Referral bonus amounts and limits depend on the Chase card you have. Here are the current bonuses for the main Chase card families:
If you have an Amazon credit card with Chase, there's a different process for getting your referral link. Instead of using the Chase Refer-a-Friend page, you need to go to the Wallet section of your Amazon account. Select your Amazon credit card, and then select the "Refer a friend" button -- it's right below the "Rewards earned" section.
Card | Rating | Great For |
---|---|---|
2024 Award Winner
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Diverse cash back bonus categories |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Travel sign-up bonus and transfer partners |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: High-end travel benefits |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Unlimited 1.5% cash back and no annual fee |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Business sign-up bonus and travel |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Business cash back and no annual fee |
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Frequent Marriott Bonvoy stays |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Premium United Airline frequent flyers |
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Doordash delivery benefits |
Chase offers the following types of credit cards:
Chase's Ultimate Rewards program is where Chase cardholders can earn and redeem rewards. If you have a Chase Ultimate Rewards card, then it earns points when you use it. Those points are available in your Ultimate Rewards account. You can use them through any of the redemption options Chase provides, including travel, cash back, dining, gift cards, and experiences.
These Chase cards earn Ultimate Rewards points that you can use with all the program's redemption options:
There are also Chase cards that earn a more limited type of Ultimate Rewards point. You can redeem points for cash back, but not for travel with the following cards:
Chase typically looks for cardholders with good to excellent credit. However Chase does offer the Chase Freedom Rise℠ Credit Card that is best for those with a low credit score. You can increase your chances for getting approved by having a Chase checking account with at least $250 before applying.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Visa.