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Chase credit cards: Which one is best for you?

Compare Chase credit cards to find the best, and read unbiased card reviews.

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By

Megan Horner

&

Kliment Dukovski

Updated

Fact checked

Compare Chase credit cards

Use our table to sort Chase cards by name, intro APR, annual fee and more. Check the Compare box and choose up to four cards you're interested in. Then hit the orange Compare button to see a side-by-side comparison of fees, requirements and features.

1 - 5 of 20
Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Up to 5x points
21.49% to 28.49% variable
$95
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View details
Earn 60,000 points after spending $4,000 in the first 3 months. That's worth $750 when you redeem through Chase Ultimate Rewards.
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Up to 3x points
21.49% to 28.49% variable
$99
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View details
You’ll earn 50,000 points after you spend $1,000 on purchases in the first 3 months.
United Quest℠ Card
United Quest℠ Card
Up to 3x miles
21.74% to 28.74% variable
$250
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View details
In the first 3 months your account is open, earn 60,000 bonus miles plus 500 Premier qualifying points after you spend $4,000 on purchases.
United℠ Explorer Card
United℠ Explorer Card
Up to 2x miles
21.74% to 28.74% variable
$0 intro annual fee for the first year ($95 thereafter)
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View details
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Chase Slate Edge℠
Chase Slate Edge℠
None
0% intro for the first 18 months (then 20.49% to 29.24% variable)
$0
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View details
Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first 6 months
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The best Chase credit cards

The best Chase credit card is the one that offers you the most rewards or features for your spending needs for the cost of the card. Finder’s experts compared all of Chase’s cards against one another, measuring them based on reward categories, earning rates, signup bonuses and more. We also made sure to take into account other credit cards on the market, including those providers who aren’t partners on our site.

Given this unbiased process, we ranked the best Chase cards based on their performance in a specific category. The biggest changes in 2023 were the massive rewards upgrades to the Chase Freedom Flex℠ and Chase Freedom Unlimited®.

Quick look at the best Chase credit cards

Best for cash back

Chase Freedom Unlimited®

Finder Rating: 4.7 / 5 ★★★★★

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Terms apply, see rates & fees
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.

Partner terms and conditions
The information about Chase Freedom Unlimited® has been collected independently by Finder and has not been reviewed or provided by the issuer.

Best card for cash back on multiple categories

Chase Freedom Flex℠

Finder Rating: 4.7 / 5 ★★★★★

Read Review
Terms apply, see rates & fees
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.

Partner terms and conditions
The information about Chase Freedom Flex℠ has been collected independently by Finder and has not been reviewed or provided by the issuer.

Best for signup bonus

Chase Sapphire Preferred® Card

Finder Rating: 4.6 / 5 ★★★★★

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on Bankrate's secure site
Read review
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 a generous welcome offer 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.

Best for premium travel

Chase Sapphire Reserve®

Finder Rating: 4.6 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
Read review
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.

Best for hotel rewards

IHG One Rewards Premier Credit Card

Finder Rating: 4.6 / 5 ★★★★★

Terms apply, see rates & fees
Earn 26x total points at IHG stays. Such a high rewards rate is a rarity among hotel credit cards. Considering one point is worth around 0.5 cents, 26 points come around 13% back on every IHG purchase. It's unlikely you'll find a better deal elsewhere.

Best Marriott card

Marriott Bonvoy Boundless® Credit Card

Finder Rating: 4.3 / 5 ★★★★★

Terms apply, see rates & fees
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.

Best for businesses

Ink Business Preferred® Credit Card

Finder Rating: 4.4 / 5 ★★★★★

Go to site
on Bankrate's secure site
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.

Best card for Southwest flyers

Southwest Rapid Rewards® Priority Credit Card

Finder Rating: 4.1 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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.

Best for balance transfers

Chase Slate Edge℠

Finder Rating: 4.6 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
Read review
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 who need to save on interest.

Best card for United flyers

United℠ Explorer Card

Finder Rating: 4.4 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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.

Best card for Amazon.com purchases

Amazon Prime Rewards Visa Signature Card

Terms apply, see rates & fees
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.

Partner terms and conditions
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

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 select Apply now or See offer.
  3. If you’re a Chase customer, choose Sign in to apply faster. Otherwise, select 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.

How do I choose the best Chase cards?

When choosing a Chase travel credit card, your options usually come down to your spending needs and habits. Before picking one, here are a few questions to consider:

  • What rewards structure do you prefer? Chase cards encompass all types of cash back: flat-rate, tiered and rotating-bonus-category. Consider which works best for your spending style. A flat-rate cashback card is the simplest, while a tiered cashback card might offer strong rewards for your preferred categories. A rotating-bonus-category cashback card can offer excellent rewards if you time particular purchases during specific months.
  • Do you want a personal or business card? If you have a business, you might want to separate your personal and business expenses.
  • What signup bonus are you looking for? Chase’s business cards offer larger signup bonuses. If a business card isn’t right for you, check the signup bonuses on other cards and be sure you can meet the spending requirements to earn the bonus.
  • Do fees and APRs offset the rewards? Avoid carrying a balance with cards that have high APRs and annual fees. Do the math to make sure you can benefit from the cashback rewards.
  • Do you mostly spend at hotels? If you do, you can either get a hotel cobranded credit card or a general travel credit card. Cobranded cards are often the best option if you’re loyal to one hotel brand and want brand-specific perks like elite status.
  • Do you want an airline credit card? You can choose between cobranded airline credit cards and general travel cards. The first option is worth considering if you often travel with one airline company and want specific perks like free checked bags and priority boarding. General travel cards offer higher rewards redemption versatility.

How is my Chase credit limit determined?

Chase will use multiple factors when determining the amount of your credit line, including:

  • Income. A high, steady income can open the door for a high credit limit.
  • Creditworthiness. Show your bank that you can pay off all of your debt. A high credit score and a clean credit history is the best proof.
  • Relationship with Chase. Get rewarded for your loyalty. Having a long-term relationship with your card issuer may help you get a higher credit line.
  • The type of card you apply for. Apply for a high-end credit card to get a higher credit limit. Cards like Visa Signature or Mastercard World Elite usually start off with a high minimum credit line of $5,000.

How often will Chase increase your credit limit?

Chase can make your first credit line increase after six months of having your card. After that, it’s best to wait another six months to request an increase.

How to increase your Chase credit limit

There are four ways to increase your credit limit with Chase.

  1. Call the bank. Explain why you need a credit limit increase. Any solid reason will do, including being a long-term client, an increase in your income, upcoming expenses on home renovations or an upcoming wedding. Ask for a reasonable credit limit increase. If your current credit line is $1,000, don’t ask for $10,000 more.
  2. Online via your Chase account. If you prefer to get your credit limit increase online, log in to your account on the Chase website. But to make the request online, you must be eligible first.
  3. Get an automatic credit limit increase. Chase will periodically review your credit account and may increase your credit limit without you asking. To make it happen, you must use your card regularly, use a higher amount of your credit line and pay your balance on time.
  4. Apply for another card. Sometimes, this is the easiest way to increase your credit limit. Plus you get to choose what kind of perks to get — a 0% intro APR period, no annual fee, a rewards program or a combination of them all.

How do I know if I am eligible for a credit limit increase?

Before you try to increase your credit limit, make sure you’re likely to be approved. This means you need a:

  • Track record of timely payments.
  • At least half a year of credit card history with Chase.
  • Reasonable use of your credit line — as a rule of thumb up to 30% credit utilization across all cards.
  • Reasonable credit card activity.

Unfortunately, even if you meet all eligibility criteria, Chase could still decline your credit line increase request.

How many Chase cards can I own?

There’s no official limit to the number of Chase credit cards you can have.

However, the provider may set internal limits on the credit you can have across all of your Chase accounts. This may increase or decrease based on your credit profile, including factors such as your credit score, debt-to-income ratio, credit utilization, annual income and more.

Instead of worrying about a hard cap, you should put more weight on a guideline unique to Chase: the 5/24 rule.

What is the 5/24 rule?

The 5/24 rule states if you’ve opened at least five cards in the past 24 months — including those from other banks — Chase will decline your card application. The bank does this to cut down on churning, the practice of repeatedly opening new card accounts simply to earn signup bonuses.

Chase counts your five cards from looking at your personal — not your business — credit report. This is why most business cards don’t add another entry to your five. However, keep in mind that most Chase business cards and business cards from Discover, Capital One and TD Bank will add to your count.

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. (Terms apply, see rates & fees).
  • 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.

Chase phone numbers

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

  • Online and mobile technical support: 877-242-7372
  • Credit card fraud line: 800-432-3117
  • Chase credit cards and product help: 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 has a few blind spots, including student and balance transfer cards. Also doesn’t offer personal loans, which can be a low-cost credit card alternative for one-time expenses. But there are several Chase personal loan alternatives that my offer similar rates and a quicker turnaround than your typical bank loan.

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

How do I view my Chase credit card statement online?
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.
  • Choose the date of the statement you would like to view. Get access to 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’ll 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?
Activate your Chase card online or over the phone.

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