Best Chase credit cards of December 2023
If you’re looking for great cash-back rates and valuable transferable reward points, consider our top picks for the best Chase credit cards. Chase offers a wide selection of credit cards for all customers, whether you’re looking for the easiest cash-back option or a premium travel card. Chase also makes it easy to combine rewards across multiple accounts, so holding more than one Chase card can allow you to maximize your earning strategy — especially if you’re interested in maximizing Chase Ultimate Rewards points.
With so many card options available, you’re sure to find a Chase card that fits your wallet — so check out the list below compiled by our team of travel experts.
- Chase Sapphire Preferred® Card: Best for Best overall mid-tier card
- Ink Business Preferred® Credit Card: Best for business travelers
- Ink Business Unlimited® Credit Card: Best for freelancers
- Chase Freedom Unlimited®: Best for non-bonus spending
- Chase Sapphire Reserve®: Best for dining and travel insurance
- Southwest Rapid Rewards® Priority Credit Card: Best for frequent Southwest flyers
- Ink Business Cash® Credit Card: Best for telecom and office supplies
- Chase Freedom Flex℠: Best for rotating bonus categories
- Southwest Rapid Rewards® Plus Credit Card: Best for a lower annual fee
- Southwest Rapid Rewards® Premier Credit Card: Best for casual Southwest flyers
| 5x | 5x on travel purchased through Chase Ultimate Rewards® |
| 3x | 3x on dining. |
| 2x | 2x on all other travel purchases, plus more. |
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- Annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
Pros
- One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
- Access to the Chase Ultimate Rewards portal for points redemption
- Reasonable $95 annual fee; bonus categories that are most relevant to business owners
- Primary car insurance; and perks including cellphone and purchase protection
- Extended warranty
- Trip cancellation/interruption insurance; trip delay reimbursement
Cons
- High spending needed to get 100,000-point sign-up bonus
- No travel perks
- Subject to Chase's 5/24 rule on card applications
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited’ sign-up gives you a generous $900 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.
Pros
- No annual fee
- Flat 1.5% cash back on all purchases
- Primary insurance for car rentals
- 0% introductory APR for the first 12 months on purchases (then a variable APR of 18.49% - 24.49% applies)
Cons
- Higher spend to receive sign-up bonus
- No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
- No travel protections
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
| 5% | Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service |
| 1.5% | 1.5% cash back on all other purchases |
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited.
Pros
- At least 1.5% back on every purchase, with up to 3% back on select categories
- There is no annual fee
- Perfect for everyday, non-bonused spending
- Incredible value when paired with a premium Chase card
Cons
- There is a 3% foreign transaction fee.
- Limited card perks and benefits
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
| 10x | Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. |
| 5x | Earn 5x total points on flights through Chase Ultimate Rewards®. |
| 3x | Earn 3x points on other travel and dining. |
| 1x | Earn 1 point per $1 spent on all other purchases |
The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve.
Pros
- Access to Chase Ultimate Rewards hotel and airline travel partners
- 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Ultimate Rewards portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
- 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards
- $300 Annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
Cons
- Steep initial $550 annual fee
- May not make sense for people that don't travel frequently
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
| 3X | Earn 3X points on Southwest® purchases. |
| 2X | Earn 2X points on local transit and commuting, including rideshare. |
| 2X | Earn 2X points on internet, cable, and phone services; select streaming. |
| 2X | Earn 2X points on Rapid Rewards® hotel and car rental partners. |
| 1X | Earn 1X points on all other purchases. |
While other airlines’ top credit cards have annual fees toppling over $500 per year, the Southwest Rapid Rewards Priority Card comes with just a $149 annual per year. If Southwest is your airline of choice, you’ll receive a number of perks every year: a $75 Southwest travel credit and 7,500 points on your cardmember anniversary. These benefits alone make up the annual fee for frequent Southwest flyers. For every $10,000 spent on this card, you’ll earn 1,500 Tier Qualifying Points, fast-tracking your way to A-List Status. Read our full review of the Southwest Rapid Rewards Priority Card.
Pros
- Travel and purchase protections through Chase.
- $75 annual Southwest travel credit.
- 7,500 points on each cardmember anniversary.
- 20% inflight discount on food, drinks and WiFi.
- Ability to earn A-List status faster by spending on this card
Cons
- $149 annual fee.
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
| 5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year |
| 1% | Earn 1% cash back on all other card purchases with no limit to the amount you can earn |
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
Pros
- The current sign-up bonus on this card is an impressive $900. TPG values it at $1,800, not including any points you may earn from the valuable bonus categories
- There is no annual fee which is perfect for small business owners
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year
Cons
- 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
| 5% | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! |
| 5% | 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service |
| 1% | Unlimited 1% cash back on all other purchases. |
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
Pros
- The generous sign-up bonus is impressive for a no annual fee card.
- The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
- Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
Cons
- You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases.
- This card charges foreign transaction fees so it's best to use it within the U.S.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
| 2X | Earn 2X points on Southwest® purchases. |
| 2X | Earn 2X points on local transit and commuting, including rideshare. |
| 2X | Earn 2X points on internet, cable, and phone services; select streaming. |
| 2X | Earn 2X points on Rapid Rewards® hotel and car rental partners. |
| 1X | Earn 1X points on all other purchases. |
The Southwest Plus credit card is a great starter card for those who are loyal to the carrier. Earn 50,000 bonus points after spending $1,000 on purchases within the first three months of account opening. Read our full review of the Southwest Rapid Rewards Plus Credit Card.
Pros
- Earn 3,000 points each year after your cardmember anniversary
- Extended warranty and purchase protection
- Secondary car rental insurance and collision damage waiver.
- Baggage delay insurance
- Up to $3,000 in reimbursement for lost luggage
- Roadside dispatch
- Travel accident insurance via Visa Signature
Cons
- $69 annual fee
- 3% foreign transaction fee
- Flight redemption limited to U.S., Caribbean and Central American destinations
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
| 3X | Earn 3X points on Southwest® purchases. |
| 2X | Earn 2X points on local transit and commuting, including rideshare. |
| 2X | Earn 2X points on internet, cable, and phone services; select streaming. |
| 2X | Earn 2X points on Rapid Rewards® hotel and car rental partners. |
| 1X | Earn 1X points on all other purchases. |
The Southwest Rapid Rewards Premier Credit Card is one of the best sub-$100 annual fee card in part to its generous sign-up bonus. Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening. Since TPG values Southwest points at 1.4 cents each, the full bonus is worth $700. You’ll also receive 6,000 bonus points upon card renewal, among travel and purchase protections that make this card a solid pick for seldom Southwest flyers. Read our full review of the Southwest Rapid Rewards Premier Credit Card.
Pros
- 6,000 points on each cardmember anniversary
- Travel and purchase protections through Chase
Cons
- $99 annual fee
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 6,000 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- No foreign transaction fees.
- Member FDIC
Comparing the best Chase credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | Best overall mid-tier card | 60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. | 2 - 5X points | $95 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | business travelers | 100,000 points Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards® | 1 - 3X points | $95 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | freelancers | $900 Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | 1.5% cash-back | $0 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | non-bonus spending | Special Offer: Unlimited Matched Cash Back Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match. | 1.5 - 5% cash-back | $0 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | dining and travel insurance | 60,000 points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards® | 1 - 10X points | $550 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | frequent Southwest flyers | Earn 50,000 points Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. | 1 - 3X points | $149 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | telecom and office supplies | $900 Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | 1 - 5% cash-back | $0 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | rotating bonus categories | $200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. | 1 - 5% cash-back | $0 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | a lower annual fee | Earn 50,000 points Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. | 1 - 2X points | $69 |
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | casual Southwest flyers | Earn 50,000 points Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. | 1 - 3X points | $99 |
More details on the best credit cards
The Chase Sapphire Preferred is one of the best travel rewards credit cards available. It offers comprehensive travel protection plus elevated rewards on travel and dining purchases while maintaining a reasonable $95 annual fee.
New travel credit card users who are looking to earn transferable rewards without committing to a high annual fee would be a great fit for the Chase Sapphire Preferred.
“The Chase Sapphire Preferred has been in my wallet for 5-plus years and is the go-to midlevel rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rates on dining and travel as well as streaming services makes it a good choice for a millennial like me. Finally, I like using this card when renting cars, as it provides primary rental car insurance and a little more peace of mind.” — Matt Moffitt, senior credit cards editor
Transferable points are often considered the golden currency in the travel reward world, but if you find that you prefer American Express travel partners, the American Express® Green Card offers a comparatively low annual fee while still allowing you to earn on travel, restaurants and more.
The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
You get tons of perks for a $95 annual fee. Instead of having to spend $15,000 to qualify for the 100,000 bonus points offer, new cardholders can qualify for the bonus points by spending $8,000 within the first three months of account opening.
Although this is primarily a business card, it’s also a great travel card as well. Frequent flyers who book trips through Chase’s Ultimate Rewards can maximize the value of their earned points when booking travel through the Ultimate Rewards portal. The best part? The cash back you earn doesn’t expire as long as your account remains open.
“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter, senior writer
The Chase Ink Business Cash Credit Card is a good option if you want to avoid paying an annual fee and want to earn 5% cash back on the first $25,000 you spend at office supply stores, on internet, cable and your phone bill, 2% cash back on the first $25,000 you spend at gas stations and restaurants plus an unlimited 1% cash back on every other purchase you make.
There is no easier cash-back business card than the Ink Business Unlimited, as you’ll earn 1.5% back on all purchases. In addition, it features a generous introductory annual percentage rate period and primary insurance on business-related car rentals — all for no annual fee.
Small-business owners who want a simple business card will benefit from the Ink Business Unlimited’s flat reward rate.
“I have the Chase Ink Business trilogy — the Ink Business Cash Credit Card, Ink Business Preferred Credit Card and Ink Business Unlimited cards. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earning rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt, senior credit cards editor
If your business has more specialized purchases that align with the Ink Business Cash Credit Card, it can be a better fit, as the bonus categories have higher earning rates than the Ink Business Unlimited’s flat 1.5%.
The Chase Freedom Unlimited makes cash-back earning easy by awarding at least 1.5% cash back on all purchases. Travel and dining purchases earn at an elevated rate, and when you pair the Freedom Unlimited with an eligible card, you can convert these cash-back earnings into fully transferable Ultimate Rewards points.
Chase Sapphire cardholders who are looking to fill in the gaps of their spending should consider the Chase Freedom Unlimited card.
“The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Chase Sapphire Preferred or Chase Sapphire Reserve. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” — Nick Ewen, director of content
If you find that your spending patterns match up with the rotating cash-back categories of the Chase Freedom Flex, consider adding that card to your wallet. Both cards earn the same elevated reward rate on travel and dining, but the Freedom Flex has an additional 5% back on rotating categories after activation each quarter (on up to $1,500 in combined spending, then 1%).
The Chase Sapphire Reserve is a premium travel card with matching benefits. The card offers an elevated earning rate on many bonus categories, includes premium lounge access and features a $300 annual travel credit. For just about any traveler, the Chase Sapphire Reserve is a solid pick.
Frequent flyers will find the Chase Sapphire Reserve to be a great addition to their wallet, thanks to its travel perks and benefits.
“The Chase Sapphire Reserve is a no-brainer for me. My top two spending categories are travel and dining, and this card lets me earn 3 points per dollar in both of these categories. Then, I can transfer these points to one of Chase’s 14 travel partners or redeem them for a generous 1.5 cents apiece through the Chase travel portal or Pay Yourself Back program. The card has a high annual fee, but I don't mind paying it thanks to perks like a $300 travel credit, Priority Pass lounge access and impressive travel protections.” — Benji Stawski, senior reporter
If you’re looking for a more luxury-focused travel card, consider The Platinum Card® from American Express instead. The Amex Platinum comes with more benefits, travel credits and lounge access — as well as a higher annual fee of $695 (see rates and fees).
The Southwest Priority card is a great card for Southwest loyalists who can maximize the card’s perks and benefits. Some notable features include an annual bonus of 7,500 Rapid Rewards points (valued at $113, according to TPG’s valuations), a $75 annual Southwest travel credit and four upgraded boardings per year.
Southwest loyalists can easily justify the Priority’s annual fee with the anniversary point bonus, travel credit and other perks.
Any Southwest loyalist should add the Priority card to their travel wallet, as the perks and benefits easily pay for the annual fee every year.
If you still want a Southwest card but find that you don’t need all of the perks on the Priority, consider the Southwest Rapid Rewards Premier Credit Card, which offers similar perks with a lower fee.
The Ink Business Cash offers a great introductory offer, no annual fee and multiple elevated reward rates. In addition, you can increase the value of your rewards by transferring rewards to an eligible Chase card that earns Ultimate Rewards points.
New business owners who are looking to separate their business and personal expenses while earning rewards on a card with no annual fee should consider the Ink Business Cash card.
The Ink Business Cash card offers elevated cash-back rates on regular business categories and a solid sign-up offer, all with no annual fee. When combined with a higher-end Ultimate Rewards card, the Ink Business Cash is a no-brainer for any small-business owner looking to maximize their rewards earning.
If you’re looking for a no-annual-fee business card but have varied spending habits, consider the Ink Business Unlimited Credit Card. That card earns an unlimited 1.5% cash back on all spending and features a similar introductory bonus.
The Chase Freedom Flex makes cash-back earning easier than ever. You can earn elevated cash back on dining and travel, but every quarter, the Freedom Flex also earns 5% back on up to $1,500 in combined purchases at a rotating selection of merchants (after activation).
The Chase Freedom Flex is a great addition to any beginner’s wallet since it has no annual fee and offers a large spectrum of elevated cash-back categories.
“I love when a cash-back card is more than a cash-back card, and that's definitely the case with the Chase Freedom Flex. I can effectively convert the cash-back rewards on this card into fully transferable Ultimate Rewards points, since I also have the Chase Sapphire Reserve — opening up fantastic redemptions like luxury World of Hyatt properties and top-notch premium airplane cabins.” — Nick Ewen, director of content
If you know your spending habits do not align with the quarterly bonus categories offered by the Chase Freedom Flex, consider the Chase Freedom Unlimited instead. You will still earn the same elevated rate on travel and dining but you get 1.5% cash back on all other purchases instead of 1%.
The Southwest Rapid Rewards Plus credit card is a great starter card for Southwest travelers thanks to its low annual fee. In addition to earning bonus points on Southwest purchases, the card comes with two EarlyBird check-ins annually and bonus points for each account anniversary.
If you’re a casual Southwest flyer (at least once a year), you’ll likely benefit from the perks on the Southwest Rapid Rewards Plus card.
For beginner travelers who occasionally fly Southwest, adding the Southwest Plus card can be a great way to expand your travel card collection.
If you’re looking for more benefits from your Southwest credit card, consider the Southwest Rapid Rewards Premier Credit Card which features a higher annual bonus upon card renewal and additional benefits when flying the carrier.
The Southwest Premier card offers some impressive perks for its mid-tier price point of $99. The card comes with great Southwest perks like 6,000 annual bonus points upon renewal and the ability to earn Tier Qualifying Points (TQPs) toward A-List status with spending.
If you want to earn bonus points on a variety of purchases in addition to Southwest flights, the Premier card could be a good option.
Southwest flyers looking to earn status or even work toward a Companion Pass can appreciate the boosts given by the Southwest Premier card.
If you are a loyal Southwest fan and hope to get even more value from your card, consider the Southwest Rapid Rewards Priority Credit Card, Southwest’s most premium consumer product, which features more perks and benefits.
Maximizing Chase credit cards
Decide the type of rewards you want to earn
Chase offers a wide range of credit cards — including ones that earn the issuer’s own Ultimate Rewards points as well as cobranded products with partners like United and Marriott. You could even opt for a top cash-back card if you don’t want to mess with travel rewards. Before you apply for a Chase credit card, consider what type of rewards are most useful for you. Many travelers will benefit from the flexibility of Chase Ultimate Rewards, though everyone’s situation is different.
Earn the welcome bonus
Once you’ve pulled the trigger on applying for a new card, it’s critical to ensure you hit the minimum spending requirements to earn the welcome bonus. Most Chase credit cards give you at least three months to do so, but it’s critical to plan your spending accordingly. In some cases, the bonus can get you over $1,000 worth of rewards, so missing out on it can be a major setback for your travel planning.
Add new cards to maximize your earning potential
Getting a top Chase credit card can unlock valuable rewards, but if you really want to take your card strategy to the next level, consider adding more than one to your wallet. While managing multiple credit cards takes added effort, it can also expand the number of points or miles you can take home. You can use one card to earn bonus points on travel and dining, for example, and then another card can give you extra rewards at drugstores. In fact, Chase cards feature prominently in our guide to the best credit card pairings.
Methodology
Choosing the best credit card for our readers is something that TPG takes pride in. We consider multiple factors when determining which Chase cards should be on this list, including:
Welcome bonus: Welcome bonuses help increase a card’s value in the first year, since most people will not be able to earn the equivalent in credit card spending alone. New cardholders should always seek to receive the welcome bonus when opening a new credit card.
Annual fee: Not everyone wants to pay an annual fee, and some people would be better off avoiding them entirely. However, for the right traveler, an annual fee can unlock some terrific perks. We have selected cards both with and without annual fees to be on this list because we know that not every Chase card is a good fit for every reader.
Reward rates: Reward rates are an incredibly personalized factor, since everyone’s spending has great variability. We have highlighted cards that are great for those who have varied spending and for those who would benefit from more specialized earning.
Added perks: Many top credit cards offer value-added perks for cardholders, including statement credits, elite status, free checked bags and travel protections. Some are simple to use, whereas others can be complicated, but these benefits can go a long way toward covering a card’s annual fee (and then some).
While we aim to make the process simpler, only you can determine the best Chase credit card(s) for your wallet.
What is Chase?
Chase, also known as JPMorgan Chase Bank, is a large American national bank. It offers a large variety of banking and investment products for both consumers and small businesses — including a wide range of credit cards.
Types of Chase credit cards
Chase offers a large selection of credit card products. Some notable types are defined below:
Travel credit cards
Travel credit cards are typically tailored to travelers, offering more rewards on travel purchases and providing additional protection and value-added perks. For example, the Chase Sapphire Reserve offers an annual $300 travel credit, which can help lower the out-of-pocket cost of your trips. In addition, it offers extensive travel protection when things go wrong, along with lounge access — both perks that can make your next trip a simpler process.
Cash-back credit cards
Cash-back credit cards earn a percentage of cash back on each purchase you make. Some — like the Ink Business Unlimited Credit Card — offer a simple, flat cash-back rate on all purchases. This could be a great fit for someone who is looking for a straightforward earning structure without needing to worry about maximizing bonus categories.
Other cards — like the Chase Freedom Flex — feature bonus categories which help those who have more tailored spending habits get the most return on their spending.
But the best part about Chase is that you can effectively convert your cash-back rewards into fully transferable (and more flexible) Ultimate Rewards points, simply by having a higher-end Chase card.
Starter credit cards
A “starter” credit card typically refers to a simple product that’s relatively easy to get. Generally these don’t impose an annual fee, and they offer basic cash back so as not to overwhelm a new entrant into the world of credit cards.
One such card would be the Chase Freedom Unlimited, as it earns an unlimited 1.5% back on all purchases plus an elevated rate on travel and dining, two big expense categories for many people. With no annual fee, even the newest credit card user can find many benefits with the Freedom Unlimited.
Business credit cards
Business credit cards typically offer business-focused perks and elevated earning rates on business spending. These cards are a great way to keep your business expenses separated from your personal expenses and earn on what you are already spending. Chase offers multiple business products under the Ink family of credit cards.
Business owners will have to look over their spending and see which card will help them earn the most on their current expenses.
Cobranded credit cards
Finally, cobranded credit cards are issued by a bank in partnership with another organization. The cards typically feature brand-specific rewards and benefits, most frequently with travel companies. For example, Chase issues cobranded cards with United Airlines, Southwest Airlines and the World of Hyatt loyalty program.
However, it can also partner with a lifestyle brand — as it’s done with the Instacart Mastercard and DoorDash Rewards Mastercard.
How to choose a Chase credit card
Choosing a Chase credit card can be overwhelming, but start by thinking about the type of rewards you want. Are you interested in cash back or travel points? Do you have a loyalty to a specific travel company, or are you more flexible when it comes to taking trips?
Then, evaluate your purchasing habits and see where you typically spend your money on a monthly basis. Many Chase cards offer bonus rewards on select categories, so it’s important to pick a product that fits your unique situation.
Finally, think through the benefits and perks that matter the most to you. Do you care about airport lounge access? What about travel and shopping protections? And are you willing to pay an annual fee? Generally speaking, cards with higher annual fees include more perks — but it’s critical to think through whether you’d actually use these benefits. Otherwise, you’re paying for a higher-end card for no reason.
Chase credit card benefits
Chase credit cards come with many benefits and perks. Some notable benefits are highlighted below.
Chase Ultimate Rewards earning
Many Chase cards fit into the Ultimate Rewards ecosystem. However, only three that are available to new applicants earn Ultimate Rewards points: the Chase Sapphire Reserve, the Chase Sapphire Preferred Card and the Ink Business Preferred Credit Card. These Ultimate Rewards points can be transferred to a number of airline and hotel partners but can also be used to book travel directly, making them incredibly valuable when it comes to redemption.
Luckily, if you have one of these products, you can combine your cash-back rewards with your Ultimate Rewards points in a single account — allowing you to maximize your earning.
Generous welcome bonuses
Chase is known for some of the best welcome bonuses in the card industry. You can see the current welcome bonus on the card tiles above — and you can refer to our guide with historical offers to see how the current ones measure up.
Travel and shopping protections
Travel and shopping protections can be some of the most underrated perks offered by credit card companies. You hope you won’t need to use them, but they can save the day when things go wrong.
One of Chase’s most notable benefits is primary rental car coverage, available on many popular products like the Sapphire Preferred and Sapphire Reserve. When you charge a rental car to an eligible card, you’re covered for theft, loss or damage to the vehicle, without needing to invoke your personal insurance.
Related: Best credit cards with travel insurance
Pairability
One of the most notable features of Chase cards is their pairability, thus maximizing the reward potential for your wallet. It is worth considering adding multiple Chase cards to your wallet to get the best return on your spending.
There are multiple strategies for pairing Chase cards, but one of the most popular is commonly known as the Chase Trifecta — the Sapphire Reserve, Ink Business Preferred and Chase Freedom Unlimited. However, the best combination of cards should be tailored to your spending and specific reward needs.
That being said, you’ll almost certainly want to feature the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred in your strategy to ensure you’re earning fully transferable Ultimate Rewards points. Then, select the cash-back Chase cards that best match your spending habits.
Related: How (and why) to combine your Chase Ultimate Rewards points into a single account
Redeeming your Chase Ultimate Rewards
Chase Ultimate Rewards points are among the most valuable transferable rewards currencies out there. TPG values Ultimate Rewards points at 2 cents each, but you have the potential to redeem them at a higher rate for the right travel redemption.
In many cases, the best way to use your Chase Ultimate Rewards points is by transferring them to Chase’s travel partners. Popular programs that can unlock luxury travel experiences include World of Hyatt, Air Canada Aeroplan and United MileagePlus. However, if you don’t want to mess with another loyalty program, using your Ultimate Rewards points directly with Chase Travel can still offer a solid value.
For an in-depth look at how to maximize your Chase Ultimate Rewards points, check out our complete guide.
Pros + cons of Chase credit cards
Pros
- Using Chase credit cards responsibly can help you build your credit score.
- Chase credit cards can earn points, miles or cash back on every dollar you spend.
- Some Chase credit cards provide purchase, theft and fraud protection.
- Select Chase credit cards provide perks like travel insurance, lounge access and more.
Cons
- Chase credit cards can encourage overspending.
- Carrying a balance and using your Chase card irresponsibly can damage your credit score.
- The cost of borrowing on Chase credit cards is higher than traditional loans.
- Having too many card applications can negatively affect your credit score.
- Chase has some of the most stringent application restrictions of any issuer.
Frequently asked questions
There’s no single Chase credit card that’s best for everyone. Instead, it will depend on your spending habits and what rewards you are looking for. Luckily, Chase cards are easy to pair and maximize, so you can consider adding multiple cards to your wallet.
To apply for any Chase card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen instructions to complete (and submit) your application.
Chase doesn’t have an official limit on the number of Chase cards one person can have. In fact, many TPG staffers have had several Chase credit cards at the same time. However, Chase does limit the amount of total credit it will extend to you. It also has the 5/24 rule (more on that below). Finally, as a general rule of thumb, you can only be approved for one personal card and one business card within 90 days — but even that’s not a hard-and-fast rule.
There are also different application rules for specific Chase cards. You can only hold one Sapphire card at a time. You can only have a single personal Southwest credit card; however, you can hold both a Southwest business card and personal card, which is a great way to earn the Southwest Companion Pass.
For more details on Chase’s application rules, read our guide to credit card application restrictions.
That being said, having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.
To cancel a Chase credit card, you’ll need to call the number on the back of your card. A phone agent can help you complete the cancellation process. However, be sure to use (or transfer) all of your rewards first, since you may forfeit them after canceling (or shortly thereafter). Pay off any outstanding balances, and be sure to update your account with any merchants that automatically bill the card you’re closing.
Just note that canceling a credit card should not be taken lightly, as it can affect your credit score. You can check out our guide to how to cancel a credit card to help you determine if you should go this route.
Chase does not publish an official score for approval, but our data suggests that a score of at least 670 will increase your chances of getting approved. In addition, rewards credit cards generally require a higher credit score for approval, typically 720-plus.
Having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.
The Chase 5/24 rule is infamous in the credit card world. While Chase has never publicly published this policy, data has proven that it almost always applies.
In short, Chase will not approve new applicants who have opened five or more personal credit cards within the last 24 months. This applies to all bank cards, not just Chase cards. You generally have to be under this number to be approved for a new Chase credit card. You can learn more with our full guide to the Chase 5/24 rule.