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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.
Input your current credit card balance and interest rate to calculate your potential savings.
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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.
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 ranked the best Chase cards based on their performance in given category. The biggest changes in 2021 were the massive rewards upgrades to the Chase Freedom Flex℠ and Chase Freedom Unlimited®.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 |
Annual Fee | $0 |
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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 |
Annual fee | $95 |
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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 |
Annual fee | $550 |
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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 |
★★★★★
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
|
★★★★★
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 |
★★★★★
Annual Fee | $0 intro annual fee for the first year ($95 thereafter) |
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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 |
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 |
★★★★★
Annual Fee | $149 |
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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 |
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 |
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.
To complete the application, you’ll provide information that includes:
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 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.
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.
Card name | Why it’s best | Rewards |
---|---|---|
Chase Sapphire Reserve® | Best for travel rewards Finder rating: 4.6/5 | 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases |
Chase Sapphire Preferred® Card | Best mid-tier travel credit card Finder rating: 4.3/5 | 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 |
Ink Business Preferred® Credit Card | Best for businesses Finder rating: 4.4/5 | 3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases |
Chase Freedom Unlimited® | Best for cash back Finder rating: 4.7/5 | 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases |
IHG® Rewards Club Premier Credit Card | Best for hotel rewards Finder rating: 4.6/5 | 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
|
Marriott Bonvoy Boundless™ Credit Card | Best Marriott card Finder rating: 4.3/5 | 6x points at Marriott Bonvoy hotels and 2x points on all other purchases |
United℠ Explorer Card | Best for United flyers Finder rating: 4.4/5 | 2x miles at restaurants, hotels and United and 1.5x miles on all other purchases |
Southwest Rapid Rewards® Priority Credit Card | Best for Southwest flyers Finder rating: 4.1/5 | 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 |
Chase Freedom Flex℠ | Best for cash back on multiple categories Finder rating: 4.7/5 | 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 |
U.S. Bank Cash+™ Visa Signature® Card | Best for rotating categories Finder rating: 4.4/5 | 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases |
Amazon Prime Rewards Visa Signature Card | Best for Amazon.com purchases | 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 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
If you have an eligible Chase credit card, you can easily access your concierge service by calling:
Type of rewards | Cards offering these rewards | Learn more |
---|---|---|
Chase Ultimate Rewards points |
| Guide to Chase Ultimate Rewards program |
Southwest points |
| Guide to Southwest Rapid Rewards program |
United miles |
| United MileagePlus program |
Avios |
| British Airways Visa Signature® Card review |
Marriott points |
| Guide to Marriott Bonvoy rewards program |
Hyatt points | World of Hyatt Credit Card | Guide to World of Hyatt rewards program |
IHG points |
| Guide to IHG Rewards Club program |
Disney Reward Dollars |
| Disney® Premier Visa® Card review |
Starbucks Stars | Starbucks Rewards™ Visa® Card | Starbucks Rewards™ Visa® Card review |
Amazon.com points |
| Compare Amazon credit cards |
Points through AARP® Credit Card from Chase | AARP® Credit Card from Chase | AARP® Credit Card from Chase review |
Here are the important contact numbers related to managing your Chase card account:
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.
Can I see my Chase credit card statement online?
Yes. To view your statement online:
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.
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
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