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Guide to Chase Mastercard credit cards

Three Chase Mastercard options great for travelers and everyday spending.

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Fact checked

Our pick for a Chase Mastercard: Chase Freedom Flex℠

Chase Freedom Flex℠ logo

Up to 5%

Cash back

  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • New rewards on travel, dining and drugstores
  • No annual fee
Apply now
Unlike other card providers where you can find a variety of Mastercard credit cards, Chase only has three. All other Chase credit cards are Visa cards. That said, if you’re a frequent IHG traveler or looking to earn a generous rewards rate on everyday spending, these cards might be all the Chase options you need.

Which Chase credit cards are Mastercard?

The two IHG hotels cobranded credit cards and the Freedom Flex are the only Mastercards issued by Chase. Here’s what they offer:

Chase Freedom Flex℠IHG® Rewards Club Traveler Credit CardIHG® Rewards Club Premier Credit Card
Annual fee$0$0$89
Mastercard typeWorld EliteWorldWorld Elite
Rewards
  • 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate, then 1%
  • 5% cash back on travel purchased through Chase
  • 5% cash back on Lyft rides through March 2022
  • 3% on dining including takeout and drugstores
  • 1% on all other purchases
  • 15x points on IHG purchases
  • 2x points at grocery stores, gas stations and restaurants
  • 1x points on all other purchases
  • 25x points on IHG purchases
  • 2x points at grocery stores, gas stations and restaurants
  • 1x points on all other purchases
Signup bonus
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
  • Earn 60,000 points after you spend $2,000 in the first 3 months when you open your account
  • Earn 140,000 points after you spend $3,000 in the first 3 months when you open your account
Reward nightsN/AFourth reward night free when you redeem IHG points for stays of four or more nightsOne reward night each year at IHG hotels worldwide on your card anniversary

Fourth reward night free when you redeem IHG points for stays of four or more nights

Special perks0% intro APR for the first 15 months, and a variable APR from 14.99% to 23.74% after thatGold Elite status if you spend $10,000 with your card each year

(Without the card, you need two nights at any IHG hotel worldwide to reach Gold Elite status)

Complimentary Platinum Elite status

Up to $100 Global Entry or TSA PreCheck application fee credit once every four years

What are Mastercard benefits?

Mastercard’s benefits largely depend on what kind of card you get. There are three Mastercard tiers that you’re likely to encounter:

  • Standard. Entry-level Mastercard tier with zero liability protection, price protection and similar benefits.
  • World. Mid-level Mastercard tier with additional benefits such as cell phone protection and complementary Shoprunner membership.
  • World Elite. High-end Mastercard tier with the most benefits and features, including Lyft credits after you make eligible rides, cash back at Boxed, discount on movie tickets at Fandango after you make eligible purchases, concierge service and more.

List of typical Mastercard benefits

The Mastercard benefits you can get are aplenty. However, they may differ depending on the card provider. Make sure you read your card terms and conditions to avoid surprises. In general, with a Mastercard credit card, you can get the following benefits:

  • Zero Liability protection. In case there are unauthorized purchases on your card, you won’t be liable as long as you report them.
  • ID Theft Protection. The card provider monitors your credit card account for suspicious activity. If your ID is compromised, they will notify you and help you resolve it.
  • Mastercard Global Service. Call any time for help with a lost or stolen card and get an emergency card replacement. Mastercard can also help you with an emergency cash advance.
  • Postmates. Get $5 off every purchase of $25 or more, excluding tips, taxes and delivery fees for restaurant delivery across the US.
  • ShopRunner. Enjoy a free ShopRunner membership, which comes with two-day shipping and free returns at 100+ retailers. Some retailers include Brooks Brothers, Kate Spade, Newegg and 1-800-Flowers.
  • onefinestay. Save 10% on villas and home rentals worldwide when you use your eligible Mastercard with onefinestay.
  • Priceless Cities. Access exclusive experiences in cities near you, such as culinary events, guided tours, sports events, classes and more.
  • Priceless Golf. Access exclusive golf experiences with the PGA Tour. You’re also eligible for golf benefits through Golf Concierge Services.
  • Mastercard hotel stay guarantee. If your 3-star rated hotel or higher is not working out, a Mastercard lifestyle manager will work to make it right.

Is a Chase Mastercard credit card worth it?

Considering your Chase Mastercard options are limited, whether or not such a card is worth it largely depends on your travel preferences and everyday spending patterns. Travelers who frequently stay at IHG hotels should definitely consider getting one of these cards, not just because they are Mastercard, but because they offer great value to cardholders.

Those who want a great card for groceries, Lyft rides, dining, drugstores and rotating categories should definitely consider adding the Freedom Flex to their wallet.

Otherwise, if you simply want to get a Chase card just because it’s a Mastercard, don’t bother. The perks offered by Mastercard are closely matched by Visa, and both Mastercard and Visa are widely accepted across the globe.

Compare Chase cards

IHG credit cards are a great option for travelers who frequently stay at these hotels. Travelers who want greater flexibility in their rewards earning and points redemption may want to check the Freedom Flex. As an alternative, either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® could serve as great travel cards.

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Bottom line

Chase offers three Mastercard credit cards, two cobranded cards with the IHG hotels and one with the Ultimate Rewards program. These cards are an excellent choice for IHG travelers and those who want to earn rewards on everyday purchases. But don’t choose them just because you want to have a Mastercard in your wallet. Choose your cards based on the value you get and whether you can actually use their perks.

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