Compare no-annual-fee, rewards, business and travel credit cards from Chase, and find the card that suits your needs.
If you’ve been 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 over 25 cards, ranging from no-annual-fee to cashback to small-business products.
Compare Chase credit cards
Types of Chase credit cards
Chase offers several types of credit cards. While browsing the bank’s products, examine 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 typically help you pay down your existing credit card debt at a lower interest rate. If you want to make a balance transfer, have your existing credit card details handy while applying for an eligible Chase card. After your application has been approved, it usually takes 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® credit card, Chase Freedom Unlimited® credit card 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 no-annual-fee cards. You don’t have to sacrifice rewards, either, as most of these cards offer cash back or points.
The Chase Freedom® credit card, Chase Freedom Unlimited® credit card and Chase Slate® Credit Card are three of Chase’s most popular no-annual-fee cards. You’ll also find co-branded cards and business cards that have no annual fees.
Reward credit cards
Chase offers reward cards for several different major brands including Disney, Amazon, AARP, airlines like Southwest and United, and popular hotel chains like Marriott and Hyatt. It also has products that offer cash back or points.
These cards have a variety of perks, but many of them have an annual fee. Before getting one of these cards, consider how much you’ll use it and the volume of rewards you’ll receive. If you’re paying an annual fee, you want to make sure it’s worth it.
Travel credit cards
Chase boasts two general travel cards that are highly regarded: the Chase Sapphire Preferred® credit 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.
An airline credit card can be a great choice if you fly often with a specific airline. Chase offers airline cards through Southwest, United and British Airways. If you’re a frequent guest at Marriott, Hyatt, IHG or Ritz-Carlton properties, you may like one of Chase’s co-branded hotel credit cards.
Best Chase credit cards
Chase offers a stellar collection of credit cards in multiple categories, from travel to cashback to business. These are four of the bank’s best products.
Best for travel rewards: Chase Sapphire Reserve®
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 will largely pay for itself. And you’ll like the premium benefits like airport lounge access and special perks at the Luxury Hotel & Resort Collection.
If you’re a regular with a certain airline or hotel, you might like one of Chase’s co-branded cards. Strong options include the Southwest Rapid Rewards® Premier credit card, Marriott Rewards® Premier Plus credit card and United℠ Explorer Card.
Best for business: Ink Business Preferred℠ credit card
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
The Chase Slate® Credit Card consistently ranks as one of the best balance transfer cards on the market. The 0% intro APR promotion isn’t the longest you’ll find, but it’s still formidable.
Perhaps the best reason to get the card is the intro balance transfer fee: For transfers you make within the first 60 days, you’ll pay no fees (after that, pay 5% or $5 (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® credit card
Forget about earning different rewards for different categories. Pick the Chase Freedom Unlimited® credit card if you want simple cash back — a solid 1.5% on everything you buy.
If you’re okay with rotating reward categories, look into the Chase Freedom® credit card. It offers up to 5% cash back in different bonus categories each quarter.
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 co-branded 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 saving account.
- Shop with points at Amazon.
- Gift cards.
- Travel.
Your points might be worth more or less depending on what you redeem them for. Check redemption values before spending your points.
How can you redeem points?
To redeem points, log in to your Chase account and navigate to the Chase 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® credit 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 usually 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 — points, cash back, miles or special rewards like Disney Rewards Dollars.
- Ongoing APR of 16% or higher. For purchases and balance transfers, you’ll typically receive an ongoing APR around 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. You can easily access your account from your mobile device or a computer.
- Fraud protection. The Chase Security Center offers anti-fraud protection for your account, shielding you from unauthorized purchases. You can sign up for communication about irregular activity on your account. When Chase detects an unusual purchase, it will contact you to confirm the purchase. You won’t be 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. Additionally, you 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 need to provide information that includes:
- Your name and residential address.
- Your Social Security number.
- Your email address, phone number and date of birth.
- Financial information like your annual income and income source.
Bottom line
With over 25 credit cards, Chase is likely to have a product that piques your interest. Take your time and compare cards from the provider. If you have the time, consider comparing cards from other providers.
