Best Chase credit cards of 2020

We compared all of Chase’s credit cards, selecting the top picks in four categories: travel, business, balance transfers and cash back. We made our selections mainly based on rewards and signup bonuses, which Chase excels in.

• What's changed in 2020?

  The Chase Sapphire Reserve® has a higher annual fee. However, you’ll now find additional perks like accelerated Lyft rewards, complimentary Lyft Pink and DashPass memberships, and annual DoorDash credits.

  Chase no longer offers 0% intro APR period on balance transfers for new credit card applications. Compare balance transfer cards from other providers if this is a feature you need.

Best Chase credit cards

Best for travel rewards

Chase Sapphire Reserve®

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850) See offer on Creditcards.com's secure site Rates & fees

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740
Min. credit score

$550
Annual fee

50,000
Points welcome offer

Up to 10x
Points

• Info
• Pros & cons
• Details

The Chase Sapphire Reserve® the best travel card from Chase, plus it's also one of the top travel cards on the market — period. If you can take advantage of the annual credits, you'll offset a large part of the card's cost. On top of that, you can enjoy premium benefits like airport lounge access and special perks at the Luxury Hotel Resort Collection.

If you're a regular with a specific airline or hotel, you might like one of Chase's cobranded cards. Strong options include the Chase Sapphire Reserve®, Chase Sapphire Reserve® and Chase Sapphire Reserve®.

• Signup bonus: 50,000 bonus points. Spend $4,000 on purchases in the first 3 months your account is open to earn this bonus. When you redeem the points through Chase Ultimate Rewards, they're worth $750 toward travel.
• Credits. You'll receive up to $300 in statement credits each year to cover travel purchases charged to your card. Receive $60 in annual DoorDash credits in 2020 and 2021.
• Rewards points. Earn 10x points on Lyft rides through March 2022, 3x points on travel after earning your annual travel credit and 3x points on dining. Earn 1x points on all other purchases.

• Annual fee. You get valuable perks, but it'll cost you $550 annually.
• No intro APR period. You don't get a 0% intro APR period on balance transfers and purchases.

Annual fee	$550
Purchase APR	16.99% to 23.99% variable
Foreign transaction fee	None
Welcome offer	50,000 points after spending $4,000 in the first 3 months
Rewards	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best mid-tier travel credit card

Chase Sapphire Preferred® Card

Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$95
Annual fee

60,000
Points welcome offer

Up to 5x
Points

• Info
• Pros & cons
• Details

If you're not ready to drop a premium on Chase's flagship travel card, consider the issuer's excellent $95 a year travel product. You'll earn accelerated rewards on travel and dining, and points are worth more when redeemed for travel through Chase Ultimate Rewards. Better yet, you can transfer points to select travel partners, letting you find much higher redemption rates.

• Signup bonus: 60,000 bonus points. Spend $4,000 within the first 3 months of account opening to earn these points. They are worth $750 when redeemed for travel through Chase Ultimate Rewards.
• Rewards: Up to 2x points. Earn 2x points on travel and dining. Earn 1x points on all other purchases.
• Point transfers to select airline and hotel partners. You can transfer your points at a 1:1 ratio to airline and hotel programs like Southwest Airlines Rapid Rewards and Marriott Bonvoy.

• Annual fee. The card costs $95 annually.
• No intro APR period. You won't get to save money on interest with a 0% intro APR period on purchases or balance transfers.

Annual fee	$95
Purchase APR	15.99% to 22.99% variable
Foreign transaction fee	None
Welcome offer	60,000 points after spending $4,000 in the first 3 months
Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Best for businesses

Ink Business Preferred® Credit Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$95
Annual fee

Up to 3x
Points

100,000
Points welcome offer

• Info
• Pros & cons
• Details

The Ink Business Preferred® Credit Card is an excellent choice because of its generous signup bonus and strong rewards in common business categories. Your points are worth 25% more when you redeem them for travel — including hotels, airfare, car rentals and cruises — through Chase Ultimate Rewards.If the card's rewards categories don't interest you, consider the Chase Ink Business Cash℠ Credit Card, which offers up to 5% cash back in select business categories.

• Signup bonus: 100,000 bonus points. Spend $15,000 on purchases in the first 3 months of opening your account to earn this bonus. When you redeem the points through Chase Ultimate Rewards, they're worth $1,250 toward travel.
• Rewards: Up to 3x points. Earn 3x points on the first $150,000 spent annually in combined purchases on travel, shipping purchases, Internet, cable and phone services and eligible advertising purchases. Any purchases after the first $150,000 earn 1x points. Earn 1x points on all other purchases.
• Point transfers to select airline and hotel partners. You can transfer your points at a 1:1 ratio to airline and hotel programs like Southwest Airlines Rapid Rewards and Marriott Rewards.

• Annual fee. You'll pay a $95 each year to use the card.
• No intro APR period. This card doesn't come with a 0% intro APR period on balance transfers and purchases.

Annual Fee	$95
Purchase APR	15.99% to 20.99% variable
Balance transfer APR	15.99% to 20.99% variable
Welcome offer	100,000 points after spending $15,000 in the first 3 months
Rewards	3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases

Best for cash back

Chase Freedom Unlimited®

Finder Rating: 4.2 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$0
Annual fee

3.5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

Forget about earning different rewards for different categories. Pick the Chase Freedom Unlimited® if you want simple cash back, a solid 1.5% on everything you buy.

• Signup bonus: $200. Earn a $200 cash bonus when you spend $500 in your first 3 months when you open your account.
• Rewards: 1.5% cash back on every purchase. It's a solid, no-fuss cashback rate.
• Intro APR: 0% on purchases for the first 15 months after you open your account. After that, your purchase APR reverts to 12.99% to 24.74% variable based on your creditworthiness.

• Foreign transaction fees. There is a 3% fee for every purchase you make abroad or online with foreign merchants.

Annual Fee	$0
Purchase APR	0% intro for the first 15 months (then 12.99% to 24.74% variable)
Balance transfer APR	12.99% to 24.74% variable
Welcome offer	$200 after spending $500 in the first 3 months
Rewards	3.5% on Lyft and 1.5% cash back on all other purchases

Best for hotel rewards

IHG® Rewards Club Premier Credit Card

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$89
Annual fee

Up to 25x
Points

125,000
Points welcome offer

• Info
• Pros & cons
• Details

Earn 25x points at IHG stays. Such a high rewards rate is a rarity among hotel credit cards. Considering one point is worth around 0.7 cents, 25 points come around 17% back on every IHG purchase. It's unlikely you'll find a better deal elsewhere.

• Rewards points. Earn 25x points on IHG purchases, 2x points at gas stations, grocery stores and restaurants, and 1x points on all other purchases.
• Signup bonus. Earn 125,000 points once you spend $3,000 in your first 3 months of card membership. Combined with the fourth-night-free perk, the signup bonus can easily get you 10 rewards nights.
• Free nights. Get your fourth night free every time you redeem your points for four or more nights. Plus, every card anniversary, you'll get one free rewards night.

• Annual fee. The card comes with an $89 annual fee. But the card easily pays off as long as you stay at IHG hotels at least few times a year.
• No intro APR period. You won't get a 0% intro APR period on purchases or balance transfers, but this is standard with this type of card.

Annual Fee	$89
Purchase APR	15.99% to 22.99% variable
Balance transfer APR	15.99% to 22.99% variable
Welcome offer	125,000 points after spending $3,000 in the first 3 months
Rewards	25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases

Best Marriott card

Marriott Bonvoy Boundless™ Credit Card

Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$95
Annual fee

Up to 6x
Points

75,000
Points welcome offer

• Info
• Pros & cons
• Details

This mid-tier Marriott Bonvoy Boundless™ Credit Card is the one with the highest value. For a relatively low annual fee, you get to earn points on Marriott stays, you get to earn a generous signup bonus and use a free night every year after your card anniversary.

• Rewards points. Earn 6x points on Marriott stays and 1x points on all other purchases.
• Signup bonus. Earn 75,000 bonus points after you spend $3,000 in your first 3 months when you open your account.
• Free night award. Get a free night award every year after your card anniversary. You can redeem it for properties worth up to 35,000 points for one stay.

• Annual fee. The card costs $95 annually. But it easily pays itself off as long as you stay at Marriott hotels and resorts at least a few times a year.
• No intro APR period. This card doesn't have a 0% intro APR period on purchases or balance transfers. But most hotel cards lack this feature as well.

Annual Fee	$95
Purchase APR	15.99% to 22.99% variable
Balance transfer APR	15.99% to 22.99% variable
Welcome offer	75,000 points after spending $3,000 in the first 3 months
Rewards	6x points at Marriott Bonvoy hotels and 2x points on all other purchases

Best card for United flyers

United℠ Explorer Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$95 ongoing
Annual fee

Up to 2x
Miles

40,000
Miles welcome offer

• Info
• Pros & cons
• Details

This card can be ideal for United flyers who want to get the best value without burning a hole in their pockets. For a relatively low annual fee, you get to earn points on your purchases. Plus, you get United-specific perks like your first checked bag free and priority boarding.

• United miles. Earn 2x miles on United Airlines purchases, 2x miles at restaurants and hotels stays, and 1x miles on all other purchases.
• Global Entry or TSA PreCheck fee credit. Once every four years, you get up to $100 statement credit as reimbursement for your Global Entry or TSA PreCheck application fee.
• United Club passes. Get two United Club one-time passes each year. That is worth $118.

• Annual fee. Get $0 intro annual fee for the first year, but pay $95 annually every year after that. However, with two United Club passes you already offset the annual fee
• No intro APR period. There's no 0% intro APR period on purchases or balance transfers with this card.

Annual Fee	$0 intro annual fee for the first year ($95 thereafter)
Purchase APR	16.49% to 23.49% variable
Balance transfer APR	16.49% to 23.49% variable
Welcome offer	40,000 miles after spending $2,000 in the first 3 months
Rewards	2x miles at restaurants, hotels and United and 1x miles on all other purchases

Best card for Southwest flyers

Southwest Rapid Rewards® Priority Credit Card

Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$149
Annual fee

Up to 2x
Points

40,000
Points welcome offer

• Info
• Pros & cons
• Details

This card is Southwest's premium option. But don't let this fool you, it's not as expensive as other premium cards, and the card basically pays itself.

• Southwest points. Earn 2x points on Southwest purchases, and 1x points on everything else.
• Anniversary points. Every year on your card anniversary you'll get 7,500 points.
• Annual travel credit. Get $75 Southwest travel credit every year.

• Annual fee. The card costs $149 annually, but the annual travel credit perk and the anniversary points are enough to pay for the card.

Annual Fee	$149
Purchase APR	15.99% to 22.99% variable
Balance transfer APR	15.99% to 22.99% variable
Welcome offer	40,000 points after spending $1,000 in the first 3 months
Rewards	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases

Best card for cash back on multiple categories

Chase Freedom®

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

The Chase Freedom® is one of the few on the market that lets you earn accelerated cash back on categories that rotate every quarter. Without an annual fee and with a decent signup bonus, the rewards you can earn are often hard to beat with other cashback cards.

• Cash back. Earn 5% cash back on rotating categories on up to 1,500 in combined purchases each quarter. After reaching the cap and on all other purchases, earn 1% cash back. Until March 31, 2022, you also earn 4% cash back on qualifying Lyft purchases through the Lyft mobile app.
• Signup bonus. Earn $200 cash bonus after you spend $500 in the first 3 months.
• Intro APR period. Get 0% intro APR period on purchases for the first 15 months. After that, a variable APR of 14.99% to 23.74% applies.

• You must activate the 5 categories. Unfortunately, earning the accelerated cash back on rotating categories isn't automatic. You have to activate them by the 14th of the final month of the quarter to earn the cash back.
• Foreign transaction fees. You'll pay a 3% fee of the amount of every transaction abroad or online with foreign merchants. This makes the card a poor international traveling companion.

Annual Fee	$0
Purchase APR	0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR	14.99% to 23.74% variable
Welcome offer	$200 cash back after spending $500 in the first 3 months
Rewards	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 4% on Lyft and 1% on all other purchases

Best card for Amazon.com purchases

Amazon Prime Rewards Visa Signature Card

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$70
Welcome offer

• Info
• Pros & cons
• Details

The Amazon Prime Rewards Visa Signature Card offers an ongoing 5% cash back on all purchases made on Amazon.com. This is not only useful for your online purchases, but you can also buy gift cards, say for Uber, and enjoy the generous cashback rate.

• Cash back. Earn 5% cash back on your Amazon.com and Whole Food Market purchases, earn 2% back at gas stations, restaurants and drug stores, and 1% back on all other purchases.
• No foreign transaction fees. Even though this is not a travel card, you won't pay any foreign transaction fees when you use the card abroad or online with foreign merchants.

• You need an Amazon Prime membership. The card doesn't have an annual fee, but you need to be an Amazon Prime member to maximize the card's rewards.

Annual Fee	$0
Purchase APR	14.24% to 22.24% variable
Balance transfer APR	14.24% to 22.24% variable
Welcome offer	$70 Amazon.com gift card upon approval
Rewards	5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases

Summary of the best Chase credit cards

Chase Sapphire Reserve®

Why it’s the best for travel rewards. The Chase Sapphire Reserve® offers travel perks that can only be found in premium credit cards. This means you get to earn a generous signup bonus and accelerated points on travel and dining purchases. If you redeem your points for travel rewards, you get a 50% higher points value. What’s more, you get a $300 travel credit each year, benefits at The Luxury Hotel & Resort Collection and market-leading travel insurance.

Chase Sapphire Preferred® Card

Why it’s the best mid-tier travel credit card. The Chase Sapphire Preferred® Card offers the right balance between cost and reward. For an $95 annual fee, you get to earn a better signup bonus than its high-end sibling the Chase Sapphire Reserve®, while you get a slightly lower rewards rate on travel and dining purchases. You also get one of the best travel insurances you can find in a credit card.

Ink Business Preferred® Credit Card

Why it’s the best for businesses. The Ink Business Preferred® Credit Card is Chase’s most rewarding option for business spending. This means spending on travel and shipping, internet, cable, phone services and some online advertising will help you stack up rewards points faster than any other Chase business card.

Chase Freedom Unlimited®

Why it’s the best for cash back? The Chase Freedom Unlimited® is the best cashback choice because of its simplicity. There are no categories or cashback limits to keep track of. Every purchase you make earns the same cashback rate. Because of this trait, the Chase Freedom Unlimited® is an integral part of the Chase trifecta group of cards.

IHG® Rewards Club Premier Credit Card

Why it’s the best for hotel rewards. The IHG® Rewards Club Premier Credit Card is probably the most rewarding hotel credit card currently on the market. With a massive rewards rate that roughly translates to 17% back on all of your IHG purchases, it’s hard to find an alternative hotel credit card that matches or exceeds this rewards rate.

Marriott Bonvoy Boundless™ Credit Card

Why it’s the best Marriott card. The Marriott Bonvoy Boundless™ Credit Card is the mid-tier Marriott card that has the best bang for your buck. For $95 annually, you get to earn the same rewards rate as the high-end Marriott card and the same signup bonus. In addition, you get other valuable Marriott perks like Silver status and free night award each year.

United℠ Explorer Card

Why it’s the best for United flyers. The United℠ Explorer Card offers the best value for frequent United flyers who don’t want to pay a high annual fee. Similar to the high-end United card, you get a first checked bag free for you and one companion traveling on your reservation — a savings of up to $140 for two per roundtrip. You also get two one-time United Club passes each year worth $118. These perks are enough to offset the annual fee and earn rewards on top.

Southwest Rapid Rewards® Priority Credit Card

Why it’s the best for Southwest flyers. With the annual Southwest fee credit and the anniversary points perks, the Southwest Rapid Rewards® Priority Credit Card basically pays itself even if you don’t make a purchase. On top of that, you get four upgraded boardings each year when available.

Chase Freedom®

Why it’s the best for cash back on multiple categories. The Chase Freedom® is the only Chase credit card that lets you earn 5% cashback on a variety of categories from gas and dining to Amazon.com purchases. The downside is that your 5% rate is capped at $1,500 each quarter, after which you earn 1% back. But if you max it out, that’s $300 cash back each year; and if you combine it with other Chase credit cards, you get some serious rewards-earning power.

Amazon Prime Rewards Visa Signature Card

Why it’s the best card for Amazon.com purchases. The Amazon Prime Rewards Visa Signature Card is a must-have for anyone who spends thousands of dollars each year on Amazon.com. No other Chase card — or any other card for that matter — comes close to the unlimited 5% rewards rate this card offers.

How to choose the best Chase cards

When choosing a Chase travel credit card, your options usually come down to your spending needs and habits. Before picking one, here are a few questions to consider:

• What rewards structure do you prefer? Chase cards encompass all types of cash back: flat-rate, tiered and rotating-bonus-category. Consider which works best for your spending style. A flat-rate cashback card is the simplest, while a tiered cashback card might offer strong rewards for your preferred categories. A rotating-bonus-category cashback card can offer excellent rewards if you time certain purchases for specific months.
• Do you want a personal or business card? If you have a business, you might want to separate your personal and business expenses.
• What signup bonus are you looking for? Chase’s business cards offer larger signup bonuses. If a business card isn’t right for you, check the signup bonuses on other cards and be sure you can meet the spending requirements to earn the bonus.
• Do fees and APRs offset the rewards? Avoid carrying a balance with cards that have high APRs and annual fees. Do the math to make sure you can benefit from the cashback rewards.
• Do you mostly spend at hotels? If you do, you can either get a hotel cobranded credit card or a general travel credit card. Cobranded cards are often the best option if you’re loyal to one hotel brand and you want brand-specific perks like elite status.
• Do you want an airline credit card? You can choose between cobranded airline credit cards and general travel cards. The first option is worth considering if you often travel with one airline company and you want specific perks like free checked bags and priority boarding. General travel cards offer higher rewards redemption versatility.

Other notable Chase credit cards

Chase offers a wide stable of cards, so we won’t cover them all here. However, here are a few products that might catch your eye depending on your spending habits.

Southwest Airlines credit cards

Chase offers three personal Southwest cards:

• Southwest Rapid Rewards® Plus Credit Card ($69 annual fee)
• Southwest Rapid Rewards® Premier Credit Card ($99 annual fee)
• Southwest Rapid Rewards® Priority Credit Card ($149 annual fee)

The main differences between the cards are the anniversary points you’ll earn. Also, the higher-priced cards earn tier qualifying points but the lowest-priced product doesn’t.

You’ll also find two business Southwest credit cards: the Southwest Rapid Rewards® Premier Business Credit Card and Southwest Rapid Rewards® Performance Business Credit Card.

United Airlines credit cards

If you’re a loyal United customer, you might want a cobranded card from the airline. There are three Chase United cards for personal use:

• United℠ TravelBank Card ($0 annual fee)
• United℠ Explorer Card ($0 intro annual fee for the first year, then $95)
• United Club℠ Infinite Card ($0 intro annual fee, $525 starting second year)

Each card offers a different mix of rewards and United perks. The higher-priced products offer United benefits such as free checked baggage and priority boarding. And the United Club℠ Infinite Card offers a complimentary United Club membership.

If you’re a business owner, consider the United℠ Business Card and United Club℠ Business Card.

Marriott Bonvoy credit cards

There are two personal Chase cards for Marriott Bonvoy:

• Marriott Bonvoy Bold™ credit card ($0 annual fee)
• Marriott Bonvoy Boundless™ Credit Card ($95 annual fee)

The Marriott Bonvoy Boundless™ Credit Card offers more points at Marriott Bonvoy properties. It also offers a Free Night Award every year after your card anniversary.

For the flagship Marriott card, you’ll have to make a trek over to American Express, who offers the $450-a-year Marriott Bonvoy Brilliant™ American Express® Card. The issuer also offers the $125-a-year Marriott Bonvoy Business™ American Express® Card.

IHG credit cards

Chase currently offers two personal IHG credit cards:

• IHG® Rewards Club Traveler Credit Card ($0 annual fee)
• IHG® Rewards Club Premier Credit Card ($89 annual fee)

The IHG® Rewards Club Premier Credit Card has especially good value, offering an excellent rewards rate at IHG properties, a great signup bonus, solid rewards in everyday categories, a free rewards night after each account anniversary and complimentary Platinum Elite status.

Business credit cards

Beyond the business cards listed above, Chase also offers its own cards for small businesses:

• Chase Ink Business Unlimited℠ Credit Card ($0 annual fee)
• Ink Business Cash℠ Credit Card ($0 annual fee)
• Ink Business Preferred® Credit Card ($95)

All are excellent business products that are worth a look. For more information, check out our guide to Chase business cards.

Full list of Chase credit cards

Types of Chase credit cards

Chase has a large stable of credit cards to consider. You’ll find options for cash back, travel, balance transfer, no annual fee, small business and more.

Cash back

The no-annual-fee cashback cards come with competitive features. Key products include the Chase Freedom Unlimited® — a well-rounded card with solid rewards — and the rotating-cash-back Chase Freedom® credit card.

You’ll also find the Chase Ink Business Unlimited℠ Credit Card and Ink Business Cash℠ Credit Card, which are excellent choices for small businesses.

Typical benefits

• No annual fee. All of Chase’s cashback cards have no annual fees.
• Flat-rate or tiered cashback. Some cards offer the same cashback rate on all purchases. Others offer varying bonus rewards depending on the category.
• Signup bonus. You’ll find a signup bonus with every Chase cashback card.
• Intro APR. The majority of these cards offer solid intro APRs. The personal cards with this benefit offer it on both purchases and balance transfers. The business cards offer intro APRs only on purchases.

Chase cashback cards

• Personal
• Business

General travel

Chase’s two personal cards for general travel, the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, are among the top products on the market. The former is a mid-tier card. The latter is a premium travel card with features that help you jet around the world in style.

For business, you’ll find the Chase Ink Business Preferred® Credit Card, which offers a stellar signup bonus and strong rewards in a variety of business categories.

Typical benefits

• Signup bonus. These cards offer excellent signup bonuses. Your bonus points are worth a healthy amount if you redeem them for travel through Chase Ultimate Rewards. But they can double their value — or more — when you transfer them to select travel partners.
• Travel rewards. Personal cards offer accelerated points on dining and travel. The business credit card offers accelerated points in a variety of categories.
• Increased point value through Chase Ultimate Rewards. Your points are worth 25% to 50% more when you redeem them through Chase’s travel portal.
• Point transfers. This benefit increases the flexibility of your rewards. You can transfer points to a variety of airline and hotel partners, which potentially lets you increase the value of your rewards.
• Travel benefits. The Chase Sapphire Reserve® offers additional travel benefits, including an annual travel credit, a Global Entry/TSA PreCheck credit and airport lounge access.

Chase cashback cards

• Personal
• Business

Cobranded travel cards: Airline, hotel and more

You’ll find cobranded travel cards from a variety of partners. Airlines include Southwest, United, British Airways, Aer Lingus and Iberia. Hotels include Marriott, Hyatt and IHG.

If you’re a Disney fan, you might like Chase’s two cobranded cards with the family-entertainment company. Lastly, you’ll find business-card options if you often fly United or Southwest.

Typical benefits

• Program-specific rewards and benefits. You’ll find a higher rewards rate when you spend with the cobranded program. Some cards also offer bonus rewards in other categories such as travel and dining. You’ll also get program-specific benefits. For example, airline cards might offer travel credits, bonus rewards, companion tickets and more. With hotel cards, you could find benefits such as free award nights, elite night credits and complimentary elite status.
• Relatively low annual fees. Most of these cards have mid-tier pricing or below — that is, $95 a year or less. There are a few exceptions, such as the United Club℠ Infinite Card with a $525 annual fee starting the second year.

Chase airline and hotel cards

• Personal
• Business

No annual fee

If you don’t want to pay an annual fee for your credit card, you’ll find a variety of options with Chase. Many of these cards are well-featured, and they span different categories — including cash back, balance transfer, travel and business

Typical benefits

• Signup bonus. Almost every card offers a signup bonus. As is typical with no-annual-fee cards, signup-bonus spend requirements are fairly low.
• Rewards. Most of these cards offer rewards. For cobranded cards, you’ll typically find higher rewards rates on program-specific spending.
• Intro APR. Some — rather than most — Chase no-annual-fee cards have intro APRs. If you want a promotional rate on purchases and balance transfers, apply for a personal card. The business credit cards don’t offer intro APRs on transfers.

Chase no-annual-fee cards

• Personal
• Business

Small business

You’ll find a great trio of in-house Chase business cards, as well as cobranded options from Southwest and United. At the time of this writing, there’s no premium option similar to The Business Platinum Card® from American Express.

Typical benefits

• Rewards. Most of these cards offer tiered rewards. If you want simple rewards, consider the Chase Ink Business Unlimited℠ Credit Card, which offers unlimited 1.5% cash back on all purchases.
• Signup bonus. Every Chase business card offers a strong signup bonus.
• Mid-tier pricing or lower. Most of these cards cost $99 a year or less.
• Special benefits for cobranded cards. Depending on the card, you might find features such as free checked baggage, a Global Entry/TSA PreCheck credit and travel credits.

Chase small-business cards

• Chase Ink Business Preferred® Credit Card
• Chase Ink Business Unlimited℠ Credit Card
• Ink Business Cash℠ Credit Card
• Southwest Rapid Rewards® Performance Business Credit Card
• Southwest Rapid Rewards® Premier Business Credit Card
• United℠ Business Card

Balance transfer

Chase is a particularly good choice for two types of balance transfer cards. It offers two attractive options if you want an intro APR as well as cash back. And the Chase Slate® credit card is unique because it offers no fees on transfers for 60 days, then the greater of $5 or 5% of each transfer.

Typical benefits

• Intro APR. At the time of this writing, each of Chase’s three balance transfer cards offer 0% intro APR on transfers and purchases for 15 months after account opening. After that, the ongoing APR is 14.99% to 23.74% variable.
• No annual fee. Each card offers a $0 annual fee, so you don’t have to pay more for your balance transfer.
• Rewards. Two of the cards offer cash back. The Chase Slate® credit card doesn’t pay rewards, but it offers a 0% fee on transfers you make within the first 60 days of account opening. After that, you’ll pay a fee of $5 or 5% per transfer, whichever is greater.

Chase balance transfer cards

• Chase Slate® credit card
• Chase Freedom Unlimited®
• Chase Freedom® credit card

Other cobranded cards

Chase rounds out its considerable card selection with a few cobranded products. These include two Amazon cards, a Starbucks card and an AARP card.
The AARP® Credit Card from Chase is advertised as a cashback card, but it actually pays points. Unlike Chase’s other cashback cards, this product doesn’t offer Ultimate Rewards points. Still, you can redeem points for options such as direct deposits, statement credit, gift cards, travel or even an AARP membership.

Typical benefits

• Program-specific rewards. Each cobranded card offers points redeemable through its rewards program.
• Signup bonus. These cards offer modest signup bonuses, but don’t expect anything on par with what you’ll find with Chase’s other cards.
• Most have no annual fees. Keep in mind that the Starbucks Rewards™ Visa® Card has a $49 annual fee, and the Amazon Prime Rewards Visa Signature Card requires a paid Prime membership.

Other cobranded cards from Chase

• AARP® Credit Card from Chase
• Amazon Prime Rewards Visa Signature Card
• Amazon Rewards Visa Signature Card
• Starbucks Rewards™ Visa® Card

How to apply for a Chase credit card

1. Visit the Chase website and navigate to the credit cards page.
2. Select a card and click Learn more.
3. If you’re a Chase customer, click Sign in to apply faster. Otherwise, click Apply as a guest.
4. Complete the application with information such as your full name, date of birth, Social Security number and total annual income.
5. Review your information and submit your application.

Eligibility requirements

You can apply for a Chase credit card online at the Chase website. To qualify for a card, you must be at least 18 years old. If you live in Alabama or Nebraska, you must be at least 19 years old. And if you live in Puerto Rico, you must be at least 21 years old.

Information you’ll need

To complete the application, you’ll provide information that includes:

• Your name and residential address.
• Your Social Security number and date of birth.
  
• Your email address and phone number.
• Financial information like your annual income and income source.

Application restrictions

Before applying, consider the Chase 5/24 rule: If you’ve opened five cards within the last 24 months, Chase will automatically deny your application. These cards include any you’ve opened with other issuers.

Since Chase looks at your personal credit report to check your “five,” business cards from some providers won’t add to your count. However, business cards from Chase, TD Bank, Capital One and Discover will increase your count.

How many Chase credit cards can you have?

Chase doesn’t set an official maximum of cards you can have. However, take the 5/24 rule into account, so you can plan which cards you want to apply for first.

Chase rewards program

For most of its rewards cards, Chase offers either cash back or points. You’ll typically receive your rewards in the form of points, even if Chase advertises your card as a cashback card. You may earn miles if you have a cobranded card like the United℠ Explorer Card.

After you earn points, you typically have a few options to redeem rewards:

• Statement credit
• Direct deposit into a US checking or savings account
• Shop with points on Amazon
• Gift cards
• Travel

The value of your points varies depending on what you redeem them for.

How can you redeem points?

To redeem points, log in to your Chase account and navigate to the Chase Ultimate Rewards portal.

How much are points worth?

Chase points are worth the industry standard of 1 point = 1 cent.

With some cards, your points are worth more if you redeem them through Chase Ultimate Rewards. For example, your Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card points are worth 25% more through Chase Ultimate Rewards.

Cards that let you transfer points — such as the Chase Sapphire Preferred® Card — may give you even higher redemption value for your Chase points.

Types of rewards offered by Chase credit cards

Typical features and benefits of a Chase card

Chase offers a variety of cards. You’ll find:

• No-annual-fee and annual-fee products.
• Cards with and without intro APRs.
• Co-branded products from several different companies.

However, you’ll generally see these core features in every Chase card:

• Signup bonus. Chase cards typically offer robust signup bonuses, competitive with the cards you’ll find from other banks.
• Rewards. Almost every Chase card offers rewards in the form of points, cash back, miles or specialty bonuses like Disney Rewards Dollars.
• Ongoing APR of 16% or higher. For purchases and balance transfers, you’ll typically receive an ongoing APR of 16% to 25% variable. The average credit card APR is around 16%.
• EMV technology. EMV or “chip” cards tend to be more secure than traditional magnetic-stripe cards.

Does Chase have a concierge service?

Yes, most Chase credit cards come with a concierge service. The concierge service is provided by Visa, so depending on the type of card you have, you can either get Visa Signature concierge service or the premium Visa Infinite concierge service.

How to use Chase concierge service

If you have an eligible Chase credit card, you can easily access your concierge service by calling:

1. 877-660-0905 or call collect at 312-800-4290 for Visa Infinite.
2. 800-953-7392 for Visa Signature.
3. Make your request.

Compare Chase credit cards with concierge service

Every Visa Signature and Visa Infinite card issued by Chase comes with concierge service.

{"niche":"USCCF"}

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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	See offer View details	This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.	Compare	loading Fetching your data...
Chase Sapphire Reserve®			10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	16.99% to 23.99% variable	$550	See offer View details	Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months	Compare	loading Fetching your data...
United℠ Explorer Card			2x miles at restaurants, hotels and United and 1x miles on all other purchases	16.49% to 23.49% variable	$0 intro annual fee for the first year ($95 thereafter)	See offer View details	40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.	Compare	loading Fetching your data...
British Airways Visa Signature® Card			3x Avios on British Airways, 2x on hotels and 1x on all other purchases	15.99% to 22.99% variable	$95	See offer View details	50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	Compare	loading Fetching your data...
Marriott Bonvoy Bold™ credit card			3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases	15.99% to 22.99% variable	$0	See offer View details	30,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.	Compare	loading Fetching your data...
Marriott Bonvoy Boundless™ Credit Card			6x points at Marriott Bonvoy hotels and 2x points on all other purchases	15.99% to 22.99% variable	$95	See offer View details	Earn 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.	Compare	loading Fetching your data...
The World of Hyatt Credit Card			9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases	15.99% to 22.99% variable	$95	See offer View details	Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.	Compare	loading Fetching your data...
Aer Lingus Visa Signature® Credit Card			3x points on Aer Lingus and partner airlines, 2x points on hotels and 1x points on all other purchases	15.99% to 22.99% variable	$95	See offer View details	Earn 2x points on all purchases on up to $30,000 in the first 3 months, then earn 3x points on Aer Lingus and 1x points on all other purchases after that.	Compare	loading Fetching your data...
Iberia Visa Signature® card			3x Avios on Iberia and partner airlines, 2x on hotels and 1x on all other purchases after the first year rewards offer	15.99% to 22.99% variable	$95	See offer View details	Earn 50,000 Avios after you spend $3,000 on purchases in the first 3 months, plus 50,000 after spending $20,000 in the first 12 months.	Compare	loading Fetching your data...
Amazon Prime Rewards Visa Signature Card			5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases	14.24% to 22.24% variable	$0	View details	Earn 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.	Compare	loading Fetching your data...

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Benefits of banking with Chase

• • Internet banking. You’ll find a highly rated Chase mobile app and Internet banking presence to easily access your account from your phone, tablet or computer.
  • Fraud protection. The Chase Security Center offers antifraud protection for your account, shielding you from unauthorized purchases. You can even sign up for notifications about irregular activity on your account. When Chase detects an unusual purchase, it contacts you to confirm the purchase. You aren’t liable for unauthorized transactions, and you’ll receive a new card and account number if your card is stolen.
  • Mastercard and Visa. Chase offers cards under Mastercard and Visa, both of which offer benefits beyond Chase’s features. Mastercard typically offers extended warranties on select products you buy and its own version of fraud protection. Visa often offers rental car insurance, and its Signature cards offer discounts on select entertainment. You’ll also have more purchase flexibility with Visa and Mastercard, as they’re accepted at millions of locations worldwide.

Alternatives to Chase credit cards

Chase has a great selection of credit cards, though they won’t necessarily cover every category of card you might need. Other great providers include American Express, Citi or Discover. These providers not only have top-of-market cards but may fill in some category gaps depending on the your needs.

Bottom line

Offering a suite of more than 25 credit cards, Chase is likely to have a product that piques your interest. Take your time and compare cards from this bank.

If you’re still not sold, consider comparing cards from top providers to find a card that best fits your spending habits and budget.

Compare Chase credit cards

Use our table to sort Chase cards by name, intro APR, annual fee and more. Check the Compare box under up to four cards you’re interested in. Then click the orange Compare button to see a side-by-side comparison of fees, requirements and features.

To learn more about a specific card, click More info to read our review.

{"niche":"USCCF"}

Sort by:

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	See offer View details	This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.	Compare	loading Fetching your data...
Chase Sapphire Reserve®			10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	16.99% to 23.99% variable	$550	See offer View details	Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months	Compare	loading Fetching your data...
United℠ Explorer Card			2x miles at restaurants, hotels and United and 1x miles on all other purchases	16.49% to 23.49% variable	$0 intro annual fee for the first year ($95 thereafter)	See offer View details	40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.	Compare	loading Fetching your data...
IHG® Rewards Club Premier Credit Card			25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases	15.99% to 22.99% variable	$89	See offer View details	125,000 points after spending $3,000 in the first 3 months.	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...
Southwest Rapid Rewards® Plus Credit Card			2x points on Southwest Airlines and 1x points on all other purchases	15.99% to 22.99% variable	$69	See offer View details	Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.	Compare	loading Fetching your data...
IHG® Rewards Club Traveler Credit Card			15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases	15.99% to 22.99% variable	$0	See offer View details	Earn 75,000 points after spending $2,000 in the first 3 months from account opening.	Compare	loading Fetching your data...
Marriott Bonvoy Bold™ credit card			3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases	15.99% to 22.99% variable	$0	See offer View details	30,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.	Compare	loading Fetching your data...

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Frequently asked questions

• Can I see my Chase credit card statement online?

  Yes. To view your statement online:

  • 1. Log in to your online account with your user ID and password.
    2. Select See statements from the My accounts page.
    3. Click on the date of the statement you would like to view. You can access statements as far back as three years, if available.
    4. The PDF of that statement opens in a new browser window.

• How do I get a PIN for my credit card?

  Chase automatically assigns a PIN to your account when you are approved for a Chase credit card. You will receive your PIN by mail after you receive your new card.

• What is my minimum monthly payment?

  The minimum monthly payment is usually a percentage of your total outstanding balance. You must pay this amount by the due date each month to remain in good standing with Chase.

• Does the annual fee collect interest?

  Yes. The annual fee is charged to your credit card and accrues interest like purchases do.

• Does Chase have a secured card?

  No. There’s no Chase secured card at this time.