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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 for travel rewards
★★★★★
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®.
| 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
★★★★★
| 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
If the card's reward categories don't interest you, consider the Chase Ink Business Cashâ„ Credit Card, which offers up to 5% cash back in select business categories.
| 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
| 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
| 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
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.
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.
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.
Chase offers three personal Southwest cards:
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.
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:
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 Clubâ„ Infinite Card offers a complimentary United Club membership.
If you’re a business owner, consider the United℠Business Card and United Club℠Business Card.
There are two personal Chase cards for Marriott Bonvoy:
The Marriott Bonvoy Boundlessâ„¢ 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.
Chase currently offers two personal IHG credit cards:
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.
Beyond the business cards listed above, Chase also offers its own cards for small businesses:
All are excellent business products that are worth a look. For more information, check out our guide to Chase business 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.
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.
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 Unlimitedâ„ Credit Card and Ink Business Cashâ„ Credit Card, which are excellent choices for small businesses.
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.
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.
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
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.
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.
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.
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.
To complete the application, you’ll provide information that includes:
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.
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.
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.
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:
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 Unitedâ„ Explorer Card.
After you earn points, you typically have a few options to redeem rewards:
The value of your points vary depending on what you redeem them for.
To redeem points, log in to your Chase account and navigate to the Chase Ultimate Rewards portal.
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.
| Type of rewards | Cards offering these rewards | Learn more |
|---|---|---|
| Chase Ultimate Rewards points |
| Guide to Chase Ultimate Rewards program |
| Southwest points |
| Guide to Southwest Rapid Rewards program |
| United miles |
| United MileagePlus program |
| Avios |
| British Airways Visa Signature® Card review |
| Marriott points |
| Guide to Marriott Bonvoy rewards program |
| Hyatt points | The World of Hyatt Credit Card | Guide to World of Hyatt rewards program |
| IHG points |
| Guide to IHG Rewards Club program |
| Disney Reward Dollars |
| Disney® Premier Visa® Card review |
| Starbucks Stars | Starbucks Rewards™ Visa® Card | Starbucks Rewards™ Visa® Card review |
| Amazon.com points |
| Compare Amazon credit cards |
| Points through AARP® Credit Card from Chase | AARP® Credit Card from Chase | AARP® Credit Card from Chase review |
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:
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.
If you have an eligible Chase credit card, you can easily access your concierge service by calling:
Every Visa Signature and Visa Infinite card issued by Chase comes with concierge service.
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.
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.
