Chase credit cards: Which one is best for you?

The best Chase credit cards

Best for cash back
Chase Freedom Unlimited®

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)See offeron Creditcards.com'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, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year
Estimated welcome offer value	$800 based on Finder's valuation
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)See offeron Creditcards.com'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, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year
Estimated welcome offer value	$200 based on Finder's valuation
Rewards	5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases

Best for signup bonus
Chase Sapphire Preferred® Card

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)See offeron Bankrate's secure site

670
Min. credit score

$95
Annual fee

60,000
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. It currently offers the biggest welcome offer value ever offered on a Chase flagship card at $750 in value, all while maintaining the low annual fee. You'll also 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: 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. You'll also earn up to $50 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	60,000 points after spending $4,000 in the first 3 months.
Estimated welcome offer value	$750 based on Finder's valuation
Rewards	5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases

Best for premium travel
Chase Sapphire Reserve®

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)See offeron Creditcards.com's secure siteRates & fees

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740
Min. credit score

$550
Annual fee

50,000
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: 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.
• Rewards points. Earn 10x points on Lyft rides through March 2022, 5x 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, a value of up to $750 through Chase Ultimate Rewards.
Estimated welcome offer value	$750 based on Finder's valuation
Rewards	5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases

Best for balance transfers
Chase Slate Edge℠

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)Read reviewRates & fees

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670
Min. credit score

$0
Annual fee

$100
Welcome offer

n/a
Rewards

• Info
• Pros & cons
• Details

The Chase Slate Edge℠ is a refresh of the classic Chase Slate and as of July 2021 is the only option available from Chase for balance transfers. Of course, it also comes with an intro APR on purchases and an interesting feature that lets you reduce the interest rate of your card every year, making this card an interesting choice for those that need to save on interest.

• Signup bonus. Spend $500 on purchases in the first 6 months your account is open to earn $100 in statement credit.
• Intro APR on purchases and balance transfers. Enjoy a 0% intro APR on purchases and balance transfers for 12 months, reverting to 14.99% to 23.74% variable.
• No annual fee. You won't pay an annual fee to use this card.

• Lower than average intro rate. At 12 months, this card's intro APR length is shorter than the 15 month industry standard.
• Intro offer on balance transfer fees gone. The original Chase Slate offered a 0% balance transfer fee offer for 60 days. This is no longer the case, as the Chase Slate Edge℠ offers a 60 days period of $3 balance transfer fees, reverting to 5%.

Annual fee	$0
Purchase APR	0% intro for the first 12 months (then 14.99% to 23.74% variable)
Foreign transaction fee	3% of the transaction value
Welcome offer	$100 bonus on your statement when you spend $500 in your first 6 months
Estimated welcome offer value
Rewards	N/A

Disclaimer

All information about this card has been collected independently by Finder.

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 ongoing
Annual fee

Up to25x
Points

150,000
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 150,000 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 starting the second year. 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	$0 intro annual fee for the first year ($89 thereafter)
Purchase APR	15.99% to 22.99% variable
Balance transfer APR	15.99% to 22.99% variable
Welcome offer	150,000 points plus a Reward Night after spending $3,000 in the first 3 months
Estimated welcome offer value	$900 based on Finder's valuation
Rewards	Up to 25x points total at IHG hotels, 2x points at gas stations, grocery stores, and restaurants and 1x points 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 to17x
Points

Other
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 17x points on Marriott stays and 2x points on all other purchases.
• Signup bonus.
  For a limited time, earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening. Also earn 10x points on up to $2,500 in combined spending on gas stations, restaurants, and grocery stores within 6 months from account opening.
• 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	Earn 125,000 points and 1 Free Night Award (value up to 50,000 points) after spending $5,000 in the first 3 months. For a Limited Time Only!
Estimated welcome offer value	$1,250 based on Finder's valuation
Rewards	Up to 17x 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	Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.
Estimated welcome offer value	$480 based on Finder's valuation
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)See offeron Creditcards.com'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
Estimated welcome offer value	$1,250 based on Finder's valuation
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)Read reviewRates & fees

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670
Min. credit score

$149
Annual fee

Up to3x
Points

50,000
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 up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first three months your account is open. You can also 50,000 additional bonus points after spending $12,000 total on purchases in the first 12 months. Also earn x points on dining, including eligible delivery and takeout, during your first year.
• Southwest points. Earn 3X points on Southwest&reg
• purchases, 2X points on local transit and commuting, including rideshare services. You'll also earn 2X points on internet, cable, phone services, and select streaming.
• Anniversary points. Every year on your card anniversary you'll get 50,000 points.
• Annual travel credit. Get $75 Southwest travel credit every year. You'll also get four upgraded boardings per year when available.

• 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	Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months
Estimated welcome offer value	$640 based on Finder's valuation
Rewards	New! Earn 3X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming.

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
Estimated welcome offer value
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

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.

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 required information. This includes your full name, residential address, date of birth, Social Security number, total annual income, income source email address and phone number.
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.

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 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.

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