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Compare Chase credit cards
Compare no-annual-fee, rewards, business and travel cards from a big-name bank.
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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.
What's in this guide?
Best Chase credit cards
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 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.
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.
- 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: Up to 10x 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.
- Points are worth 50% more when redeemed through Chase Ultimate Rewards. It’s an excellent boost that’s 25% more than you’ll get from redeeming points with the Chase Sapphire Preferred® Card.
- 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.
- Premium travel perks. Enjoy airport lounge access, $100 statement credit for Global Entry or TSA PreCheck, special benefits at the Luxury Hotel & Resort Collection and more.
- Complimentary memberships. Get a complimentary year of Lyft Pink, and at least one complimentary year of DashPass.
Best for businesses: 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.
- Signup bonus: 80,000 bonus points. Spend $5,000 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 $1,000 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.
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 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.
- Annual fee: None.
- Intro APR: 0% on purchases and balance transfers for the first 15 months your account is open. After that, your purchases and balance transfers revert to a 16.49% to 25.24% variable APR based on your creditworthiness.
- Intro balance transfer fee: on transfers made in the first 60 days. After that, pay $5 or 5% of the transaction, whichever is greater .
Best for cash back: Chase Freedom Unlimited®
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.
- Annual fee: None.
- Signup bonus: $150. Earn a $150 cash bonus when you spend $500 in your first 3 months when you open your account.
- Rewards: 1.5% cash back on every purchase. It’s a solid, no-fuss cashback rate.
- Intro APR: 0% on purchases and balance transfers for the first 15 months after you open your account. After that, your purchase and balance transfer APR reverts to 16.49% to 25.24% variable based on your creditworthiness.
Chase Freedom Unlimited® 3% cashback offer
Quick look at Chase credit cards
- Chase Sapphire Reserve® — Best card for travel rewards
- Ink Business Preferred℠ Credit Card — Best card for businesses
- Chase Slate® credit card — Best card for balance transfers
- Chase Freedom Unlimited®: — Best card for cash back
How we selected our best cards
We compared all of Chase’s credit cards, selecting the top picks in four categories: travel, business, balance transfers and cash back. We made our selections mainly based on rewards and signup bonuses, which Chase excels in. The provider’s flagship balance transfer card compares favorably not only to other Chase products, but other cards in the same space, too.
What’s changed in 2020
The Chase Sapphire Reserve® has a higher annual fee. However, you’ll now find perks like accelerated Lyft rewards, complimentary Lyft Pink and DashPass memberships, and annual DoorDash credits.
Our pick for a Chase credit card
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.
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Full list of Chase credit cards
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Compare Chase credit cards by card type
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.
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.
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.
How to use Chase concierge service
If you have an eligible Chase credit card, you can easily access your concierge service by calling:
- 877-660-0905 or call collect at 312-800-4290 for Visa Infinite.
- 800-953-7392 for Visa Signature.
- Make your request.
Compare Chase credit cards with concierge service
Every Visa Signature and Visa Infinite card issued by Chase comes with concierge service.
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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.
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.
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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