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Best Chase credit cards of 2020
A great variety of valuable cards backed by a widely loved rewards program
Resting among the top 5 largest credit card providers in the US, Chase offers more than 30 cards, ranging from no-annual-fee cards to cashback cards to small-business products. Chase is well known for its valuable rewards cards and the strength and flexibility of its Ultimate Rewards program, which allows cardholders to transfer points to travel partners at a 1:1 ratio.
But with so many strong card options, which card is for you? 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.
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, plus 5% cash back at grocery stores on up to $12,000 in the first year (then 1.5%).
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 on up to $12,000 in the first year
Rewards
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
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. You'll 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: 80,000 bonus points. Spend $4,000 within the first 3 months of account opening to earn these points. They are worth $1,000 when redeemed for travel through Chase Ultimate Rewards.
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
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
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, 3x 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
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
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 125,000 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 10 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. 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
$89
Purchase APR
15.99% to 22.99% variable
Balance transfer APR
15.99% to 22.99% variable
Welcome offer
125,000 points after spending $3,000 in the first 3 months
Rewards
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
This mid-tier Marriott Bonvoy Boundlessâ„¢ Credit Card is the one with the highest value. For a relatively low annual fee, you get to earn points on Marriott stays, you get to earn a generous signup bonus and use a free night every year after your card anniversary.
Rewards points. Earn 6x points on Marriott stays and 1x points on all other purchases.
Signup bonus. Earn 100,000 bonus points after you spend $3,000 in your first 3 months when you open your account.
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
100,000 points after spending $3,000 in the first 3 months
Rewards
6x points at Marriott Bonvoy hotels and 2x points on all other purchases
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 1x 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
60,000 miles after spending $3,000 in the first 3 months
Rewards
2x miles at restaurants, hotels and United and 1x miles on all other purchases
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.
Southwest points. Earn 2x points on Southwest purchases, and 1x points on everything else.
Anniversary points. Every year on your card anniversary you'll get 7,500 points.
Annual travel credit. Get $75 Southwest travel credit every year.
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
40,000 points after spending $1,000 in the first 3 months
Rewards
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
The Chase Freedom Flexâ„ 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, plus 5% cash back at grocery stores on up to $12,000 in the first year (then 1%).
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 on up to $12,000 in the first year
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
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
$70 Amazon.com gift card upon approval
Rewards
5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
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.
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
Rewards
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
We chose our best placements among Chase cards by comparing a variety of card features, including rewards, APR, annual fee, signup bonus, introductory offers and bonus perks. Chase cards that clearly filled a niche and did so at a performance above the rest were chosen for a given category.
What’s changed in 2020?
The Chase Sapphire Reserve® has a higher annual fee. However, you’ll now find additional perks like accelerated Lyft rewards, complimentary Lyft Pink and DashPass memberships, and annual DoorDash credits. For now, Chase has lowered this annual fee to the old rate to help consumers unable to travel thanks to COVID-19.
Chase no longer offers 0% intro APR period on balance transfers for new credit card applications. Compare balance transfer cards from other providers if this is a feature you need.
Also, Chase Freedom Flex℠and Chase Freedom Unlimited® got a boost to their signup bonus. In addition to earning $200 after you spend $500 in the first 3 months, you now get to earn 5% cash back at grocery stores on up to $12,000 in the first year of card membership. If you max out both of these bonuses, you can earn a total of $800.
These cards also received several additions to their existing reward structures. Both cards now earn 5% cash back on travel booked through the Chase Travel Portal, 3% back on dining, including takeout and delivery, and 3% on drugstore purchases.
Finally, the Chase Sapphire Preferred received a boost to its signup bonus, moving from 60,000 points after $4,000 spent in the first 3 months to 80,000 points. This is a $1,000 value when redeemed through the Chase Travel Portal or on the Pay Yourself Back feature.
Summary of the best Chase credit cards
Card name
Best for…
Finder rating
Rewards
Chase Sapphire Reserve®
Best for travel 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
Chase Sapphire Preferred® Card
Best mid-tier travel credit card
★★★★★
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Ink Business Preferred® Credit Card
Best for businesses
★★★★★
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
★★★★★
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
★★★★★
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
Marriott Bonvoy Boundlessâ„¢ Credit Card
Best Marriott card
★★★★★
6x points at Marriott Bonvoy hotels and 2x points on all other purchases
Unitedâ„ Explorer Card
Best for United flyers
★★★★★
2x miles at restaurants, hotels and United and 1x miles on all other purchases
Southwest Rapid Rewards® Priority Credit Card
Best for Southwest flyers
★★★★★
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
Chase Freedom Flexâ„
Best for cash back on multiple categories
★★★★★
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
★★★★★
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
Not yet rated
5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
Chase Sapphire Reserve®
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.
Chase Sapphire Preferred® Card
Why it’s the best mid-tier travel credit card. The Chase Sapphire Preferred® Card offers the right balance between cost and reward. For an $95 annual fee, you get to earn a better signup bonus than its high-end sibling the Chase Sapphire Reserve®, while you get a slightly lower rewards rate on travel and dining purchases. You also get one of the best travel insurances you can find in a credit card.
Ink Business Preferred® Credit 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.
Chase Freedom Unlimited®
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.
IHG® Rewards Club Premier Credit Card
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.
Marriott Bonvoy Boundlessâ„¢ Credit Card
Why it’s the best Marriott card. The Marriott Bonvoy Boundlessâ„¢ 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.
Unitedâ„ Explorer Card
Why it’s the best for United flyers. The Unitedâ„ 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.
Southwest Rapid Rewards® Priority Credit Card
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.
Chase Freedom Flexâ„
Why it’s the best for cash back on multiple categories. The Chase Freedom Flexâ„ 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.
Amazon Prime Rewards Visa Signature Card
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.
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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Complete the application with information such as your full name, date of birth, Social Security number and total annual income.
Review your information and submit your application.
Eligibility requirements
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.
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 many Chase credit cards can you have?
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.
How to 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 certain purchases for 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 you 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 you want specific perks like free checked bags and priority boarding. General travel cards offer higher rewards redemption versatility.
Benefits of banking with Chase
Internet banking. You’ll find a highly rated Chase mobile app 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.
Chase has a large stable of credit cards to consider. You’ll find options for cash back, travel, balance transfer, no annual fee, small business and more.
Cash back
The no-annual-fee cashback cards come with competitive features. Key products include the Chase Freedom Unlimited® — a well-rounded card with solid rewards — and the rotating-cash-back Chase Freedom Flexâ„ credit card.
You’ll also find the Chase Ink Business Unlimitedâ„ Credit Card and Ink Business Cashâ„ Credit Card, which are excellent choices for small businesses.
Typical benefits
No annual fee. All of Chase’s cashback cards have no annual fees.
Flat-rate or tiered cashback. Some cards offer the same cashback rate on all purchases. Others offer varying bonus rewards depending on the category.
Signup bonus. You’ll find a signup bonus with every Chase cashback card.
Intro APR. The majority of these cards offer solid intro APRs. The personal cards with this benefit offer it on both purchases and balance transfers. The business cards offer intro APRs only on purchases.
Chase’s two personal cards for general travel, the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, are among the top products on the market. The former is a mid-tier card. The latter is a premium travel card with features that help you jet around the world in style.
For business, you’ll find the Chase Ink Business Preferred® Credit Card, which offers a stellar signup bonus and strong rewards in a variety of business categories.
Typical benefits
Signup bonus. These cards offer excellent signup bonuses. Your bonus points are worth a healthy amount if you redeem them for travel through Chase Ultimate Rewards. But they can double their value — or more — when you transfer them to Chase’s travel partners.
Travel rewards. Personal cards offer accelerated points on dining and travel. The business credit card offers accelerated points in a variety of categories.
Increased point value through Chase Ultimate Rewards. Your points are worth 25% to 50% more when you redeem them through Chase’s travel portal.
Point transfers. This benefit increases the flexibility of your rewards. You can transfer points to a variety of airline and hotel partners, which potentially lets you increase the value of your rewards.
Travel benefits. The Chase Sapphire Reserve® offers additional travel benefits, including an annual travel credit, a Global Entry/TSA PreCheck credit and airport lounge access.
You’ll find cobranded travel cards from a variety of partners. Airlines include Southwest, United, British Airways, Aer Lingus and Iberia. Hotels include Marriott, Hyatt and IHG.
If you’re a Disney fan, you might like Chase’s two cobranded cards with the family-entertainment company. Lastly, you’ll find business-card options if you often fly United or Southwest.
Typical benefits
Program-specific rewards and benefits. You’ll find a higher rewards rate when you spend with the cobranded program. Some cards also offer bonus rewards in other categories such as travel and dining. You’ll also get program-specific benefits. For example, airline cards might offer travel credits, bonus rewards, companion tickets and more. With hotel cards, you could find benefits such as free award nights, elite night credits and complimentary elite status.
Relatively low annual fees. Most of these cards have mid-tier pricing or below — that is, $95 a year or less. There are a few exceptions, such as the United Clubâ„ Infinite Card with a $525 annual fee.
Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
No annual fee
If you don’t want to pay an annual fee for your credit card, you’ll find a variety of options with Chase. Many of these cards are well-featured, and they span different categories — including cash back, balance transfer, travel and business
Typical benefits
Signup bonus. Almost every card offers a signup bonus. As is typical with no-annual-fee cards, signup-bonus spend requirements are fairly low.
Rewards. Most of these cards offer rewards. For cobranded cards, you’ll typically find higher rewards rates on program-specific spending.
Intro APR. Some — rather than most — Chase no-annual-fee cards have intro APRs. If you want a promotional rate on purchases and balance transfers, apply for a personal card. The business credit cards don’t offer intro APRs on transfers.
You’ll find a great trio of in-house Chase business cards, as well as cobranded options from Southwest and United. At the time of this writing, there’s no premium option similar to The Business Platinum Card® from American Express.
Typical benefits
Rewards. Most of these cards offer tiered rewards. If you want simple rewards, consider the Chase Ink Business Unlimitedâ„ Credit Card, which offers unlimited 1.5% cash back on all purchases.
Signup bonus. Every Chase business card offers a strong signup bonus.
Mid-tier pricing or lower. Most of these cards cost $99 a year or less.
Special benefits for cobranded cards. Depending on the card, you might find features such as free checked baggage, a Global Entry/TSA PreCheck credit and travel credits.
Chase small-business cards
Chase Ink Business Preferred® Credit Card
Chase Ink Business Unlimitedâ„ Credit Card
Ink Business Cashâ„ Credit Card
Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
Unitedâ„ Business Card
Balance transfer
Chase has recently removed all intro balance transfer offers from their cards. These offers are likely to return in the future, though Chase hasn’t commented on when they may return.
Other cobranded cards
Chase rounds out its considerable card selection with a few cobranded products. These include two Amazon cards, a Starbucks card and an AARP card. The AARP® Credit Card from Chase is advertised as a cashback card, but it actually pays points. Unlike Chase’s other cashback cards, this product doesn’t offer Ultimate Rewards points. Still, you can redeem points for options such as direct deposits, statement credit, gift cards, travel or even an AARP membership.
Typical benefits
Program-specific rewards. Each cobranded card offers points redeemable through its rewards program.
Signup bonus. These cards offer modest signup bonuses, but don’t expect anything on par with what you’ll find with Chase’s other cards.
Most have no annual fees. Keep in mind that the Starbucks Rewards™ Visa® Card has a $49 annual fee, and the Amazon Prime Rewards Visa Signature Card requires a paid Prime membership.
Other cobranded cards from Chase
AARP® Credit Card from Chase
Amazon Prime Rewards Visa Signature Card
Amazon Rewards Visa Signature Card
Starbucks Rewards™ Visa® Card
Other notable Chase credit cards
Chase offers a wide stable of cards, so we won’t cover them all here. However, here are a few products that might catch your eye depending on your spending habits.
Southwest Airlines credit cards
Chase offers three personal Southwest cards:
Southwest Rapid Rewards® Plus Credit Card ($69 annual fee)
Southwest Rapid Rewards® Premier Credit Card ($99 annual fee)
The main differences between the cards are the anniversary points you’ll earn. Also, the higher-priced cards earn tier qualifying points but the lowest-priced product doesn’t.
You’ll also find two business Southwest credit cards: the Southwest Rapid Rewards® Premier Business Credit Card and Southwest Rapid Rewards® Performance Business Credit Card.
United Airlines credit cards
If you’re a loyal United customer, you might want a cobranded card from the airline. There are three Chase United cards for personal use:
Unitedâ„ TravelBank Card ($0 annual fee)
Unitedâ„ Explorer Card ($0 intro annual fee for the first year, then $95)
United Clubâ„ Infinite Card ($525 annual fee)
Each card offers a different mix of rewards and United perks. The higher-priced products offer United benefits such as free checked baggage and priority boarding. And the United Clubâ„ Infinite Card offers a complimentary United Club membership.
If you’re a business owner, consider the Unitedâ„ Business Card and United Clubâ„ Business Card.
Marriott Bonvoy credit cards
There are two personal Chase cards for Marriott Bonvoy:
The Marriott Bonvoy Boundlessâ„¢ Credit Card offers more points at Marriott Bonvoy properties. It also offers a Free Night Award every year after your card anniversary.
For the flagship Marriott card, you’ll have to make a trek over to American Express, who offers the $450-a-year Marriott Bonvoy Brilliantâ„¢ American Express® Card. The issuer also offers the $125-a-year Marriott Bonvoy Businessâ„¢ American Express® Card.
IHG credit cards
Chase currently offers two personal IHG credit cards:
IHG® Rewards Club Traveler Credit Card ($0 annual fee)
IHG® Rewards Club Premier Credit Card ($89 annual fee)
The IHG® Rewards Club Premier Credit Card has especially good value, offering an excellent rewards rate at IHG properties, a great signup bonus, solid rewards in everyday categories, a free rewards night after each account anniversary and complimentary Platinum Elite status.
Business credit cards
Beyond the business cards listed above, Chase also offers its own cards for small businesses:
Chase Ink Business Unlimitedâ„ Credit Card ($0 annual fee)
Co-branded products from several different 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.
Purchase protection. When you purchase eligible items with your Chase card, Chase will provide reimbursement for lost, damaged or stolen items.
Price protection. If you purchase an item on your Chase card and find the item cheaper at another retailer, this feature allows you to receive compensation for the price difference. At this time, only the United line of Chase cards still have this feature.
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.
For most of its rewards 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 Unitedâ„ 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 varies 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.
The Chase trifecta is a combination of three Chase credit cards that let you earn and redeem Ultimate Rewards points at absolute maximum value. As of this writing, the Chase Freedom, Chase Freedom Flex and the Chase Sapphire Reserved are the ideal cards for this method. You can read more about how it works at our Chase trifecta guide.
Alternatives to Chase credit cards
Chase has a great selection of credit cards, though they won’t necessarily cover every category of card you might need. Other great providers include American Express, Citi or Discover. These providers not only have top-of-market cards but may fill in some category gaps depending on the your needs.
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 web page is secure, Look for a padlock to the left of your page’s URL, which should start with “https,” indicating a secure site.
Is it a good time to get a Chase card?
Yes. With the lucrative signup bonuses added to the Freedom, Freedom Flex and Preferred, and the new earning categories available on the Freedom lineup, now is a great time to pick up a few Chase cards.
The Freedom and Freedom Flex are the real draws here. Both cards offer signup bonuses worth $800 in total if you can meet the grocery spending requirement. What’s more, both cards can earn more or comparable points on travel and dining than the Sapphire cards, which are Chase’s traditional luxury dining and travel card options. These cards are excellent everyday earning cards which can become even more valuable when you decide to start traveling again.
These cards don’t feature an intro balance transfer offer however, so if you need a balance transfer offer to help manage your debts you’ll need to look elsewhere. Also, Chase’s cobranded cards and luxury cards haven’t received quite the same amount of love as the Freedom series and may as easily yield the same value.
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
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.
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.
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.
The minimum monthly payment is usually a percentage of your total outstanding balance. You must pay this amount by the due date each month to remain in good standing with Chase.
Yes. The annual fee is charged to your credit card and accrues interest like purchases do.
Jeremy is finder's Global Head of Publishing & Editorial. Jeremy has been with finder since the very beginning and is part of the founding team working closely with Fred and Frank to build finder.com into the comparison network it is today.
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