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Best Chase credit cards of 2020

Compare no-annual-fee, rewards, business and travel cards from a big-name bank.

Updated

Fact checked
Chase

When comparing credit cards, you’ve probably seen a Chase product or two. Chase Bank is a prolific card issuer, operating under the largest bank in the United States, JPMorgan Chase & Co. It currently offers more than 30 cards, ranging from no-annual-fee to cashback and small-business products.

Best Chase credit cards

Best for travel rewards

Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

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

740
Min. credit score
$550
Annual fee
50,000
Points welcome offer
Up to 10x
Points
Not only is the Chase Sapphire Reserve® the best travel card from Chase, 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.
  • Reward 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

Chase Sapphire Preferred® Card logo
Finder Rating: 4 / 5

★★★★★

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

670
Min. credit score
$95
Annual fee
60,000
Points welcome offer
Up to 5x
Points
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. Crucially, 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. With this card, 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

Ink Business Preferred® Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

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

670
Min. credit score
$95
Annual fee
Up to 3x
Points
100,000
Points welcome offer
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 reward 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 balance transfers

Chase Slate® credit card

Chase Slate® credit card logo
Finder Rating: 4.6 / 5

★★★★★

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

670
Min. credit score
$0
Annual fee
n/a
Rewards
Other
Welcome offer
The Chase Slate® credit card consistently ranks as one of the best balance transfer cards on the market. The intro APR promotion isn't the longest you'll find, but it's still substantial. Perhaps the best reason to get the card is for its intro balance transfer fee: For transfers you make within the first 60 days days, you'll pay no fees — after that, pay $5 or 5% of the transaction, whichever is greater. That gets even better when you consider the card's $0 annual fee. All told, you can make a balance transfer for zero upfront cost.
  • Annual fee: None.
  • Intro APR: 0% on purchases and balance transfers for the first 15 months your account is open. After that, your purchases and balance transfers revert to a 14.99% to 23.74% variable APR based on your creditworthiness.
  • Intro balance transfer fee: No fee on transfers made in the first 60 days days. After that, pay $5 or 5% of the transaction, whichever is greater.
  • No rewards. You won't earn any rewards on purchases made with this card.
  • No signup bonus. There's no bonus you can earn upon signup.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR 0% intro for the first 15 months (then 14.99% to 23.74% variable)
Welcome offer No balance transfer fees for transfers made the first 60 days, then $5 or 5%
Rewards N/A

Best for cash back

Chase Freedom Unlimited®

Chase Freedom Unlimited® logo
Finder Rating: 4.2 / 5

★★★★★

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

670
Min. credit score
$0
Annual fee
3.5%
Cash back
$200
Welcome offer
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 and balance transfers for the first 15 months after you open your account. After that, your purchase and balance transfer APR reverts to 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 0% intro for the first 15 months (then 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

Chase Freedom Unlimited® 3% cashback offer

How we selected our best cards

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. The provider’s flagship balance transfer card compares favorably not only to other Chase products, but other cards in the same space, too.

What’s changed in 2020

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

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 reward 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.

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.

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
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.
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
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
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)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
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
140,000 points after spending $3,000 in the first 3 months.
CardMatch™ from creditcards.com
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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
  • Chase Freedom Unlimited®
  • Chase Freedom® credit card
  • Chase Freedom® Student credit card
  • Amazon Prime Rewards Visa Signature Card
  • AARP® Credit Card from Chase
  • Chase Ink Business Unlimited℠ Credit Card
  • Ink Business Cash℠ Credit Card

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. For the personal cards, earn 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
  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Chase Ink Business Preferred® Credit Card

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. 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.
  • 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.
  • Program-specific benefits. 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.
Chase airline and hotel cards
Airline (personal)
  • Southwest Rapid Rewards® Priority Credit Card
  • Southwest Rapid Rewards® Plus Credit Card
  • Southwest Rapid Rewards® Premier Credit Card
  • United℠ Explorer Card
  • United℠ TravelBank Card
  • United Club℠ Infinite Card
  • British Airways Visa Signature® Card
  • Aer Lingus Visa Signature® Credit Card
  • Iberia Visa Signature® card
Hotel (personal)
  • Marriott Bonvoy Boundless™ Credit Card
  • Marriott Bonvoy Bold™ credit card
  • The World of Hyatt Credit Card
  • IHG® Rewards Club Premier Credit Card
  • IHG® Rewards Club Traveler Credit Card
Other cobranded cards
  • Disney® Premier Visa® Card
  • Disney® Visa® Card
  • United℠ Business Card
  • Southwest Rapid Rewards® Performance Business Credit Card
  • Southwest Rapid Rewards® Premier Business Credit Card

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, but not 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
Airline (personal)
  • Chase Freedom Unlimited®
  • Chase Freedom® credit card
  • Chase Freedom® Student credit card
  • Chase Slate® credit card
  • Marriott Bonvoy Bold™ credit card
  • IHG® Rewards Club Traveler Credit Card
  • United℠ TravelBank Card
  • Amazon Rewards Visa Signature Card
  • Disney® Visa® Card
  • AARP® Credit Card from Chase
  • Chase Ink Business Unlimited℠ Credit Card
  • Ink Business Cash℠ Credit Card

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 number of cards 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.

Is the Chase website secure?

Yes. Chase uses Secure Sockets Layer (SSL) technology to secure your personal details whenever confidential information is transmitted — like after you’ve completed an application online or logged in to the Chase website. SSL encodes your information via public-key cryptography as it’s transmitted over the Internet between your computer and Chase. To ensure a webpage is secure, Look for a padlock to the left of your page’s URL, which itself should start with “https,” indicating a secure site.

How to compare Chase cashback cards

  • Consider rewards structure.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 is the simplest, while a tiered cashback card might offer strong rewards for your preferred categories. And a rotating-bonus-category cashback card can offer excellent rewards if you time certain purchases for specific months.
  • Personal vs. business card. If you have a business, you might want to separate your personal and business expenses.
  • Signup bonus. Chase’s business cards offer larger signup bonuses.
  • Fees and APRs. 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.

How to compare Chase travel credit cards

When choosing a Chase travel credit card, your options usually come down to your spending needs and habits. That’s why you should ask yourself:

  • Do you mostly spend at hotels? If you do, the Marriott Bonvoy Boundless™ Credit Card could be a good choice. You get to earn and redeem points at more than 6,500 Marriott Bonvoy properties, and you’ll get hotel-specific perks like credit for a one-night stay each year, elite status and more.
  • Do you often fly United Airlines? If so, the United℠ Explorer Card could be worth a look. With this card, you earn and redeem miles on United flights and their partner airlines, plus you get a first checked bag free, in-flight savings and more.
  • Do you want a general travel card? If you spend on flights, hotels and dining equally, a general travel card may be a good choice. Depending on how much you’re willing to spend for a card and which perks you want, your choices are either the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card.

Chase rewards program

For most of its reward 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 vary 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

Type of rewardsCards offering these rewardsLearn more
Chase Ultimate Rewards points
  • Chase Freedom Unlimited®
  • Chase Freedom® credit card
  • Chase Freedom® Student credit card
  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Chase Ink Business Unlimited℠ Credit Card
  • Ink Business Cash℠ Credit Card
  • Chase Ink Business Preferred® Credit Card
Guide to Chase Ultimate Rewards program
Southwest points
  • Southwest Rapid Rewards® Priority Credit Card
  • Southwest Rapid Rewards® Plus Credit Card
  • Southwest Rapid Rewards® Premier Credit Card
  • Southwest Rapid Rewards® Performance Business Credit Card
  • Southwest Rapid Rewards® Premier Business Credit Card
Guide to Southwest Rapid Rewards program
United miles
  • United Club℠ Infinite Card
  • United℠ Explorer Card
  • United℠ TravelBank Card
  • United℠ Business Card
United MileagePlus program
Avios
  • British Airways Visa Signature® Card
  • Aer Lingus Visa Signature® Credit Card
  • Iberia Visa Signature® card
British Airways Visa Signature® Card review
Marriott points
  • Marriott Bonvoy Bold™ credit card
  • Marriott Bonvoy Boundless™ Credit Card
Guide to Marriott Bonvoy rewards program
Hyatt pointsThe World of Hyatt Credit CardGuide to World of Hyatt rewards program
IHG points
  • IHG® Rewards Club Traveler Credit Card
  • IHG® Rewards Club Premier Credit Card
Guide to IHG Rewards Club program
Disney Reward Dollars
  • Disney® Visa® Card
  • Disney® Premier Visa® Card
Disney® Premier Visa® Card review
Starbucks StarsStarbucks Rewards™ Visa® CardStarbucks Rewards™ Visa® Card review
Amazon.com points
  • Amazon Prime Rewards Visa Signature Card
  • Amazon Rewards Visa Signature Card
Compare Amazon credit cards
Points through AARP® Credit Card from ChaseAARP® Credit Card from ChaseAARP® Credit Card from Chase review

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 intro APRs, and cards without; and co-branded products from several 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.

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
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.
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
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
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)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
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
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
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
30,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.
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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.

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.

Frequently asked questions

Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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