Chase credit cards September 2019: 5% cash back & travel rewards | finder.com

Compare Chase credit cards

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

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Chase

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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 25 cards, ranging from no-annual-fee to cashback and small-business products.

Our pick for a Chase credit card

Chase Sapphire Preferred® Card

  • Spend $4,000 within your first 3 months of card membership to earn 60,000 bonus points — worth $750 when redeemed for travel via Chase Ultimate Rewards.
  • Earn 2x points on travel and dining at restaurants worldwide and 1x point on all other purchases.
  • Get 25% more redemption value for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • Flexible points redemption and 1:1 transfers to travel loyalty programs
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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
1.5% cash back after earning 3% on all purchases in your first year up to $20,000
0% intro for the first 15 months (then 16.99% to 25.74% variable)
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent, then earn 1.5% cash back after that.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 15 months (then 16.99% to 25.74% variable)
$0
Earn $200 cash back after spending $500 in the first 3 months from account opening.
2x points on travel and dining and 1x points on all other purchases
17.99% to 24.99% variable
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
2x miles at restaurants, hotels and United and 1x miles on all other purchases
18.49% to 25.49% 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.
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
18.99% to 25.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months

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Types of Chase credit cards

Chase offers a stellar collection of credit cards in multiple categories, from travel to cashback to business. While browsing the bank’s products, weigh the fees and features of each card before you make your decision. Most notably, you’ll want to compare perks, annual fees and interest rates.

Balance transfer credit cards

Balance transfer cards can help you pay down your existing credit card debt at a lower interest rate. If you want to transfer a credit card balance, have your existing card details handy while applying for an eligible Chase card. After your application is approved, it may take up to 15 business days for your existing debt to transfer to your new Chase credit card.

A few Chase cards offer intro APRs on balance transfers, such as the Chase Freedom®, Chase Freedom Unlimited® and Chase Slate® credit card.

No-annual-fee credit cards

If you don’t want to pay an annual fee, you’re in luck: Chase offers several cards that don’t require this fee. You don’t have to sacrifice rewards either, as most of these cards offer cash back or points.

The Chase Freedom®, Chase Freedom Unlimited® and Chase Slate® credit card are three of Chase’s most popular no-annual-fee cards. You’ll also find cobranded cards and business cards that have no annual fees.

Rewards credit cards

Chase offers reward cards for several major brands that include Disney, Amazon, AARP, airlines like Southwest and United and popular hotel chains like Marriott and Hyatt. It also offers products with cashback or points rewards.

These cards come with a variety of perks, but many of them require an annual fee. Before applying for a rewards card, consider how much you’ll use it against the rewards you’ll receive. If you’re paying an annual fee, you want to make sure rewards outweigh that cost.

Travel credit cards

Chase boasts two general but highly regarded travel cards: the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. They’re great picks if you travel and eat out often. And your points are worth 25% to 50% more if you redeem them through Chase Ultimate Rewards. Chase also offers a variety of cobranded cards for your hotel and airline needs.

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Best for travel rewards: Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Spend $4,000 in the first 3 months when you open your account to earn 50,000 bonus points — worth $750 when redeemed through Chase Ultimate Rewards on travel.
  • Earn 3x points on travel and dining at restaurants, and 1x point on everything else you buy.
  • Get $ annual travel credit each year on your card anniversary year as reimbursement for travel purchases.
  • Transfer points in 1:1 ratio to partner airline and hotel reward programs.
  • Access to Priority Pass Select airport lounges once you enroll in the program.
  • Get up to $100 credit as reimbursement for your Global Entry or TSA PreCheck application fee.
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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 travel credit, the card largely pays for itself. You’ll also 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 Southwest Rapid Rewards® Premier Credit Card, Marriott Bonvoy Boundless™ Credit Card and United℠ Explorer Card.

Best for businesses: Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 100,000 bonus points after you spend $5,000 in your first 3 months when you open your account.
  • Earn 3x points on the first $150,000 spent on travel and select business categories each account anniversary year, 1x points after that, which is also the rewards rate on everything else you buy.
  • No foreign transaction fees.
  • Pay $95 annual fee.
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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 Ink Business Cash℠ Credit Card, which offers up to 5% cash back in select business categories.

Best for balance transfers: Chase Slate® credit card

Chase Slate® credit card

Enjoy a 60 days introductory balance transfer offer, save on interest, and get your free monthly credit score.

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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, 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.

Best for cash back: Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Earn 3% cash back on all purchases made within your first year up to $20,000; after that, earn unlimited 1.5% cash back on all purchases.
  • Use a 0% intro APR period on purchases and balance transfers in your first 15 months; a variable APR of 16.99% – 25.74% applies thereafter.
  • No annual fee.
  • No cash back redemption minimum.
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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.

If you’re OK with rotating reward categories, look into the Chase Freedom®. It offers up to 5% cash back in different bonus categories each quarter.

Chase Freedom Unlimited® 3% cashback offer

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.

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.

Benefits of banking with Chase

  • Internet banking. Chase offers a highly rated mobile 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.

How to apply for a Chase credit card

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.

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.

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 other 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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