Chase credit cards: Which one is best for you?

Chase offers more than 30 cards but specializes in powerful rewards and travel credit cards. Use our comparison table to view available Chase credit cards and compare them side by side.

Best for cash back
Chase Freedom Unlimited®

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)Apply nowon Chase's secure siteRates & fees

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670
Min. credit score

$0
Annual fee

Up to5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

Forget about keeping track of rotating categories. Pick the Chase Freedom Unlimited® if you want simple cash back, a solid 1.5% base cashback rate even outside of its accelerated rewards categories.

• 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% base cashback rate. Earn 5% cash back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1.5% back on all other purchases.
• Intro APR: 0% on purchases for the first 15 months after you open your account. After that, your purchase APR reverts to 14.99% to 23.74% 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 14.99% to 23.74% variable)
Balance transfer APR	14.99% to 23.74% variable
Welcome offer	$200 after spending $500 in the first 3 months
Rewards	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

Best card for cash back on multiple categories
Chase Freedom Flex℠

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)Apply nowon Chase's secure siteRates & fees

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670
Min. credit score

$0
Annual fee

Up to5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

The Chase Freedom Flex℠ 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, earn 1% cash back. You'll also earn 5% cash back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1% back on all other purchases.
• 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 after spending $500 in the first 3 months
Rewards	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

Best for signup bonus
Chase Sapphire Preferred® Card

Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)Apply nowon Chase's secure siteRates & fees

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670
Min. credit score

$95
Annual fee

80,000
Points welcome offer

Up to5x
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: 80,000 bonus points. Spend $4,000 within the first 3 months of account opening to earn these points. They are worth $1,000 when redeemed for travel through Chase Ultimate Rewards. You'll also earn up to $ in automatic statement credits toward grocery purchases.
• 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	80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $ statement credit towards groceries
Rewards	5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases

Best for premium travel
Chase Sapphire Reserve®

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)Apply nowon Chase's secure siteRates & fees

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740
Min. credit score

$550
Annual fee

60,000
Points welcome offer

Up to10x
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.

• Signup bonus: 60,000 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 $900 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	60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
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 for hotel rewards
IHG® Rewards Club Premier Credit Card

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)See offeron Creditcards.com's secure siteRates & fees

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670
Min. credit score

$89
Annual fee

Up to25x
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 20 or more 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	Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first 3 months of account opening
Rewards	Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases

Best Marriott card
Marriott Bonvoy Boundless™ Credit Card

Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)See offeron Creditcards.com's secure siteRates & fees

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670
Min. credit score

$95
Annual fee

Up to6x
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, earn a valuable 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 when you spend $3,000 within your first 3 months of opening 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 offeron Creditcards.com's secure siteRates & fees

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670
Min. credit score

$95 ongoing
Annual fee

Up to2x
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 1.5x 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, plus 25,000 miles after spending $10,000 in the first 6 months
Rewards	2x miles at restaurants, hotels and United and 1.5x miles on all other purchases

Best for businesses
Ink Business Preferred® Credit Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)Apply nowon Chase's secure siteRates & fees

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670
Min. credit score

$95
Annual fee

Up to3x
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 card for Southwest flyers
Southwest Rapid Rewards® Priority Credit Card

Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850)See offeron Creditcards.com's secure siteRates & fees

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670
Min. credit score

$149
Annual fee

Up to3x
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 with the annual travel credit perk and the anniversary points you get each year.

• Signup bonus. Earn 40,000 bonus points after you spend $1,000 in the first 3 months when you open your account. You will also earn 3x points on dining, including takeout and eligible delivery, for your first year.
• 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 you spend $1,000 on purchases in the first 3 months, plus 3x points on dining, including takeout and eligible delivery services, for the first year
Rewards	3x points on dining, including takeout and eligible delivery services, for the first year, 2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases

Best card for Amazon.com purchases
Amazon Prime Rewards Visa Signature Card

Credit recommended (670-850)Read reviewRates & fees

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670
Min. credit score

$0
Annual fee

Up to5%
Cash back

$100
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	$100 Amazon Gift Card instantly upon approval
Rewards	5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases

Disclaimer

The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

How to apply for a Chase credit card

1. Compare cards using the comparison table above.
2. Select a card and click Apply now or See offer.
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.

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.

Chase prequalification

Chase allows you to apply for prequalification to see which cards you’re most likely to qualify for. Check out our Chase prequalification guide to learn how you can get started.

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.

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 for signup bonus. The Chase Sapphire Preferred® Card currently offers an 80,000 welcome offer after you spend $4,000 in your first 3 months of account opening, as well as a $50 statement credit on groceries. This is worth a staggering $1,000 when redeemed through the Chase travel portal, unmatched by any other Chase 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 thanks to its impressive base cashback rate even outside of its accelerated categories. 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 Flex℠

Why it’s the best for cash back on multiple categories. The Chase Freedom Flex℠ 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 on these rotating categories 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.

Types of Chase credit cards

Chase has a large stable of credit cards to consider, but the main draws come down to the bank’s rewards cards, and more specifically, the cards that earn Chase Ultimate Rewards points. With that said, you’ll also find options for travel, no annual fee, and small businesses, though the provider is lacking when it comes to secured and student offerings.

Standout benefits of a Chase card

• The Chase Ultimate Rewards program. The Chase Ultimate Rewards program is one of the most popular credit card rewards programs on the market for good reason. It offers enough baseline value to make spending rewards worth it for typical credit card users, while offering enough complexities to let rewards card super-users really drive up the value. You can check out our Chase earning guide for more information on maximizing your rewards, and our Chase redemption guide for how to best spend those points.
• Travel transfer partners. Chase has 13 travel partners that allow you to transfer your Chase points to their respective rewards program at a 1:1 ratio. Doing so can boost the value of your rewards by double or more depending on how and when you redeem those points.
• A generous luxury travel card. While it doesn’t quite match the perks and benefits offered by the The Platinum Card® from American Express, the Chase Sapphire Reserve® offers more than enough value to offset its annual fee and includes an annual travel statement credit of $300 that is much simpler to use than Amex’s similar credit perk.
• Strong rewards cards. Chase has two of the strongest rewards cards on the market at the moment: the Chase Freedom Flex℠ and Chase Freedom Unlimited®. Chase recently added new rewards categories to both of them, resulting in rewards cards that are practically unmatched in the value they can generate.

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. If you have one of Chase’s three Mastercards, you’ll only have access to a concierge service if your card qualifies for “World Elite” status.

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.

Types of rewards offered by Chase credit cards

Full list of Chase credit cards

Chase phone numbers

Here are the important contact numbers related to managing your Chase card account:

• Online and mobile technical support: 1-877-242-7372
• Credit card fraud line: 1-800-432-3117
• Chase credit cards and product help: 1-800-432-3117

Chase credit cards alternatives

Offering a suite of more than 25 credit cards, Chase is likely to have a product that piques your interest. But Chase does have a few blind spots, including student cards and balance transfer cards. If you’re looking for

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:

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

How do I get a PIN for my Chase 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.

How does Chase keep my information secure?
Chase uses many of the standard security protocols for their site and cards, including Secure Sockets Layer (SSL) technology, EMV chip technology, and real-time alerts for suspicious activity.

Are Chase credit cards Mastercards or Visa?
Most credit card providers offer a variety of Mastercard and Visa credit cards. However, Chase only has three Mastercards and around 20 Visa cards.

Does Chase have a secured card?
No. There’s no Chase secured card at this time.

How do I activate my Chase card?
You can activate your Chase card online or over the phone.

How do I cancel my Chase card?
You can cancel your Chase card online or over the phone. Check out our canceling guide for more details.

What are the Chase Freedom Flex categories for this quarter?
You can view the up to date bonus categories for each quarter by clicking here.