Best Chase credit cards of 2020

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 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

Looking for a new card? Take our quiz to find the best fit.

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.

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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...
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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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.

How to choose the best Chase cashback cards

• 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.

How to choose 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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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 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

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.

Full list of Chase credit cards

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

• 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 just like purchases do.

• Does Chase have a secured card?

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