Chase Credit Cards: Latest Offers [December 2022]

Chase credit cards are known for their valuable benefits. See which one might be right for you.
Last updated Dec. 1, 2022 | By Ben Walker, CEPF | Edited By Yahia Barakah

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Chase is one of the world’s leading credit card issuers, offering a wide selection of both personal and business cards. Its credit card products are popular among travelers, diners, everyday spenders, and more.

Whether you want to earn rewards on every purchase, get premium travel perks, or separate your personal and business expenses, there’s a Chase card for you. If you’re interested in applying for a new Chase card, here are some incredible options.

In this article

Latest Chase personal credit card offers 

Current Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Why We Like It

If you love to travel, the Chase Sapphire Preferred® Card may be an excellent match for you. It’s one of the most popular travel credit cards available, offering a generous sign-up bonus for new cardmembers, premium travel benefits, and a strong rewards program.

With the Chase Sapphire Preferred, you earn 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases.

Each year on your card anniversary, you will also earn bonus points equal to 10% of the total purchases you made in the previous year.

If you redeem your points for travel through Chase Ultimate Rewards, your points are worth 25% more, helping you get more value for your points. You can book hotel stays, airfare, and even cruises with your points.

Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Current Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$550

Rewards Rate

10X points on Lyft rides, Chase Dining purchases, hotels and cars booked via Ultimate Rewards; 5X points on flights booked via Ultimate Rewards; 3X points on travel and dining; and 1X points on everything else

Why We Like It

The Chase Sapphire Reserve® is a top-rated credit card for frequent travelers who can take advantage of its generous travel benefits and high point-earning potential. 

Card benefits include a $300 annual travel credit, primary rental car insurance, Priority Pass lounge access, reimbursement for TSA PreCheck or Global Entry, and more. 

With this card, you earn 10X points on Lyft rides, Chase Dining purchases, hotels and cars booked via Ultimate Rewards; 5X points on flights booked via Ultimate Rewards; 3X points on travel and dining; and 1X points on everything else.

Cardmembers receive 50% more value when redeeming rewards for travel through the Chase Ultimate Rewards portal. For example, as a new cardmember, you can earn 60,000 points after spending $4,000 on purchases in the first 3 months. With the 50% bonus, these points are worth $900 toward travel.


Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 10X points on Lyft rides, Chase Dining purchases, hotels and cars booked via Ultimate Rewards; 5X points on flights booked via Ultimate Rewards; 3X points on travel and dining; and 1X points on everything else

Current Offer

Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year

Annual Fee

$0

Rewards Rate

5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases

Why We Like It

With no annual fee, the Chase Freedom Unlimited® card is a powerful rewards credit card. It has an easy-to-earn and potentially lucrative sign-up bonus for new cardholders.

When spending with this card, you can earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases. You can earn 5% on Lyft rides as well.

It's a fantastic everyday use card - you'll earn at least 1.5% cash back whenever you shop.

Card Details
  • Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year
  • 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.99% to 26.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.99% to 26.74% (variable)

Current Offer

Earn $200 cash back after spending $500 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases

Why We Like It

With the Chase Freedom Flex℠, you can earn 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases. You'll also be able to activate a different 5% bonus category each quarter. 

With no annual fee, the Chase Freedom Flex is a great option for both regular travel spending and everyday purchases. With the added earning potential of the rotating bonus category, the Flex could be a powerful tool for earning valuable Ultimate Rewards points.

The Chase Freedom Flex also provides purchase protection, extended warranty coverage, and cell phone protection.

Card Details
  • Earn $200 cash back after spending $500 on purchases in the first 3 months
  • 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.99% to 26.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.99% to 26.74% (variable)

Current Offer

Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account

Annual Fee

$0

Rewards Rate

1% cash back for each $1 spent

Why We Like It

Students looking to build credit, but not give up perks, should take a look at the Chase Freedom® Student credit card. 

Cardholders can enjoy $20 each year in Good Standing Rewards for up to 5 years when requirements are met, along with no annual fee, 

Earn 1% cash back on all purchases.

Card Details
  • Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account
  • 1% cash back for each $1 spent

Current Offer

Intro APR on balance transfers and purchases for first 18 months

Annual Fee

$0

Why We Like It

The Chase Slate Edge℠ is a great card for anyone who is interested in making balance transfers and having a card with an ongoing low interest rate.

Cardholders can benefit from this card's 0% intro apr on balance transfers and purchases for first 18 months. After that intro period, you'll be automatically considered for a reduction of your regular APR. You could reduce your rate by 2% if you pay on time and spend a minimum of $1,000 per card anniversary year.

You'll also be eligible for an automatic review for a credit limit increase if you pay on time and spend $500 in the first six months of being a cardholder.

Card Details
  • Intro APR on balance transfers and purchases for first 18 months
  • Intro purchase 0% APR offer: 0% for 18 months then 17.99% to 26.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 18 months then 17.99% to 26.74% (variable)

Current Offer

Earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer)

Annual Fee

$69

Rewards Rate

2X points for Southwest purchases and at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; plus 1X points on all other purchases

Why We Like It

The Southwest Rapid Rewards® Plus Credit Card is an excellent travel rewards card for travelers who prefer to fly on Southwest Airlines. New cardmembers can earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer).

With the Southwest Airlines Rapid Rewards Plus card, you'll earn 2X points for Southwest purchases and at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; plus 1X points on all other purchases.

You'll earn 1X  on all other purchases. There’s no limit to how many points you can earn, and your points don’t expire as long as your account is in good standing.

Every year on your cardmember anniversary, you’ll earn 3,000 bonus points.

Card Details
  • Earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer)
  • 2X points for Southwest purchases and at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; plus 1X points on all other purchases

Current Offer

Earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer)

Annual Fee

$99

Rewards Rate

3X points for Southwest purchases; 2X points at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; and 1X points on all other purchases

Why We Like It

If you like to travel often and prefer to fly on Southwest Airlines, the Southwest Rapid Rewards® Premier Credit Card may be a good travel rewards credit card for you. It has a generous sign-up bonus for new cardmembers and there are no blackout dates for reward flights.

You'll earn 3X points for Southwest purchases; 2X points at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; and 1X points on all other purchases. Plus, every year after your cardmember anniversary, you’ll get 6,000 points.

The Companion Pass allows you to bring a friend or relative along with you for free for a year — you just pay taxes and fees.

Card Details
  • Earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer)
  • 3X points for Southwest purchases; 2X points at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; and 1X points on all other purchases

Current Offer

Earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer)

Annual Fee

$149

Rewards Rate

3X points for Southwest purchases; 2X points at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; and 1X points on all other purchases

Why We Like It

The Southwest Rapid Rewards® Priority Credit Card is best for frequent travelers who are devotees of Southwest Airlines. It has a generous sign-up bonus — earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer).

As a cardmember, you'll earn 3X points for Southwest purchases; 2X points at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; and 1X points on all other purchases.

With the Southwest Rapid Rewards Priority Card, you’ll earn 7,500 points every year after your cardmember anniversary, and the card comes with extra travel perks and benefits.

Card Details
  • Earn 75,000 bonus points after spending $3,000 in the first 3 months (limited time offer)
  • 3X points for Southwest purchases; 2X points at participating Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; and 1X points on all other purchases

Current Offer

Earn 30,000 bonus miles after spending $1,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

2X miles on United purchases, at gas stations, and on transit and commuting; plus 1X on all other purchases

Why We Like It

The United Gateway℠ Card is the entry-level choice for United Airlines credit cards. This card could be an ideal stepping stone for newcomers to travel cards who want to experience more about how they work and what their benefits are.

With this card, you'll earn 2X miles on United purchases, at gas stations, and on transit and commuting; plus 1X on all other purchases.

Cardholders also get 25% back in statement credits on in-flight purchases made with this card, and they will also enjoy travel benefits like an auto rental collision damage waiver and trip cancellation/trip interruption insurance.

Card Details
  • Earn 30,000 bonus miles after spending $1,000 on purchases in the first 3 months
  • 2X miles on United purchases, at gas stations, and on transit and commuting; plus 1X on all other purchases
  • Intro purchase 0% APR offer: 0% for 12 months then 19.49% to 26.49% (variable)

Current Offer

Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months

Annual Fee

$250

Rewards Rate

3X miles on United purchases (after earning your $125 annual United credit); 2X miles on all other travel, dining (including eligible delivery services), and select streaming services; and 1X miles on all other purchases

Why We Like It

Frequent United travelers could find plenty to like about the United Quest℠ Card, including two free checked bags each for the cardmember and one companion on the same United-operated flight. 

The United Quest Card offers a generous sign-up bonus, loads of United perks, as well as purchase and travel coverages that might help you save money. You could also get up to $125 in statement credits each account anniversary for United purchases made on your card.

Cardholders can earn 3X miles on United purchases (after earning your $125 annual United credit); 2X miles on all other travel, dining (including eligible delivery services), and select streaming services; and 1X miles on all other purchases.

Card Details
  • Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months
  • 3X miles on United purchases (after earning your $125 annual United credit); 2X miles on all other travel, dining (including eligible delivery services), and select streaming services; and 1X miles on all other purchases

Current Offer

Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months

Annual Fee

$95 (waived first year)

Rewards Rate

2X miles on dining (including eligible delivery services), hotel stays, and United purchases and 1X miles on everything else

Why We Like It

If you travel often and primarily fly on United, the United℠ Explorer Card can be a solid travel credit card. It has a generous sign-up bonus, extra rewards on United flights, and some useful travel benefits to make your next flight a more pleasant experience.

With this card, you’ll earn 2X on dining (including eligible delivery services), hotel stays, and United purchases. You’ll also get 1X miles on all other purchases.

Every year, you’ll get two one-time passes to United Club lounges around the country — a $100 value. On in-flight purchases of food, beverages, or WiFi, you’ll get 25% back when you use your United Explorer card to complete the transaction. And, you’ll get a free standard checked bag for both you and a companion when you use your card to make your reservation.

Card Details
  • Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months
  • 2X miles on dining (including eligible delivery services), hotel stays, and United purchases and 1X miles on everything else

Current Offer

Earn 100,000 bonus miles after spending $5,000 on purchases in the first 3 months

Annual Fee

$525

Rewards Rate

4X miles on United purchases; 2X miles on other travel and dining (including eligible delivery services), 1X miles on all other purchases

Why We Like It

The United Club℠ Infinite Card is a premium travel card designed with frequent United flyers in mind. If you're interested in earning United points and enjoying perks at the airport, this card is an excellent option.

It offers 4X miles on United purchases; 2X miles on other travel and dining (including eligible delivery services), 1X miles on all other purchases.

Beyond the United Club Infinite Card's generous earning rates, you'll get up to $100 in Global Entry, TSA Precheck, or Nexus credit; free United Club membership; and your first and second checked bags free (terms apply). In addition to these benefits, you'll also get travel protections like trip cancellation and interruption insurance, lost luggage reimbursement, and baggage delay insurance.

Card Details
  • Earn 100,000 bonus miles after spending $5,000 on purchases in the first 3 months
  • 4X miles on United purchases; 2X miles on other travel and dining (including eligible delivery services), 1X miles on all other purchases

Current Offer

Earn 75,000 Avios after spending $5,000 in the first 3 months (plus earn an additional 25,000 Avios after spending $20,000 in the first 12 months)

Annual Fee

$95

Rewards Rate

3X Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL; 2X Avios on hotel accommodations; and 1X Avios on all other purchases

Why We Like It

The British Airways Visa Signature® Card is a top-rated travel credit card for frequent British Airways flyers.

Cardholders can earn a companion ticket called the Travel Together Ticket that's valid for up to two years after spending $30,000 on purchases in a single calendar year.

Earn 3X Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL; 2X Avios on hotel accommodations; and 1X Avios on all other purchases.

Card Details
  • Earn 75,000 Avios after spending $5,000 in the first 3 months (plus earn an additional 25,000 Avios after spending $20,000 in the first 12 months)
  • 3X Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL; 2X Avios on hotel accommodations; and 1X Avios on all other purchases

Current Offer

Earn up to 60,000 points: 30,000 points after spending $3,000 on purchases within the first 3 months, plus an additional 30,000 points by earning 2 bonus points per $1 spent on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months

Annual Fee

$95

Rewards Rate

9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else

Why We Like It

If you travel and stay at Hyatt a few times a year, the The World of Hyatt Credit Card could be a good match for you. It has a generous sign-up bonus, a high rewards rate on Hyatt hotel stays, and you can earn free nights.

This card offers serious rewards. You’ll get 9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else.

Free nights at Hyatt hotels start at just 5,000 points, so you can quickly earn enough points to get a free night.

In addition, you’ll get a free night at a Hyatt Category 1-4 resort each year you’re a World of Hyatt cardmember. If you spend at least $15,000 per year with your credit card, you’ll get another free night certificate.

Card Details
  • Earn up to 60,000 points: 30,000 points after spending $3,000 on purchases within the first 3 months, plus an additional 30,000 points by earning 2 bonus points per $1 spent on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months
  • 9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else

Current Offer

Earn 30,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening

Annual Fee

$0

Rewards Rate

14X Bonvoy points at over 7,000 hotels participating in Marriott Bonvoy (when coupled with your complimentary Marriott Bonvoy membership and Silver Elite status); 2X Bonvoy points on eligible travel purchases; and 1X points per $1 on everything else

Why We Like It

The Marriott Bonvoy Bold® Credit Card is a great option for travelers who are loyal to the Marriott Bonvoy brand and want to avoid paying an annual fee.

Cardholders receive 15 Elite Night Credits each calendar year and can earn unlimited Bonvoy points.

Earn up to 14X Bonvoy points at over 7,000 hotels participating in Marriott Bonvoy (when coupled with your complimentary Marriott Bonvoy membership and Silver Elite status); 2X Bonvoy points on eligible travel purchases; and 1X points per $1 on everything else.

Card Details
  • Earn 30,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening
  • 14X Bonvoy points at over 7,000 hotels participating in Marriott Bonvoy (when coupled with your complimentary Marriott Bonvoy membership and Silver Elite status); 2X Bonvoy points on eligible travel purchases; and 1X points per $1 on everything else

Current Offer

Earn 3 Free Night Awards (each valued up to 50,000 points) after spending $3,000 in the first 3 months of account opening

Annual Fee

$95

Rewards Rate

17X points at hotels participating in the Marriott Bonvoy program; 3X points at grocery stores, gas stations, and dining on the first $6,000 spent in combined purchases each year; and 2X points on all other eligible purchases

Why We Like It

The Marriott Bonvoy Boundless® Credit Card is a good travel credit card for rewards card beginners. It offers a valuable sign-up bonus, higher rewards on Marriott Bonvoy hotel stays, and you can earn free nights.

When you use the Marriott Bonvoy Boundless card, you’ll earn up to 17X points at hotels participating in the Marriott Bonvoy program; 3X points at grocery stores, gas stations, and dining on the first $6,000 spent in combined purchases each year; and 2X points on all other eligible purchases. You can redeem your points for hotel stays at Marriott resorts, including Ritz-Carlton, JW Marriott, Gaylord Hotels, Le Meridien, Aloft, and Four Points hotels.

Every year after your account anniversary, you’ll enjoy a free night award at an eligible Marriott resort.

Card Details
  • Earn 3 Free Night Awards (each valued up to 50,000 points) after spending $3,000 in the first 3 months of account opening
  • 17X points at hotels participating in the Marriott Bonvoy program; 3X points at grocery stores, gas stations, and dining on the first $6,000 spent in combined purchases each year; and 2X points on all other eligible purchases

Marriott Bonvoy Bountiful™ Credit Card

Marriott Bonvoy Bountiful™ Credit Card

Marriott Bonvoy Bountiful™ Credit Card

Current Offer

Earn 125,000 Marriott Bonvoy bonus points after spending $4,000 in purchases in the first 3 months

Annual Fee

$250

Rewards Rate

6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points on grocery stores and dining (up to $15,000 in combined purchases each year, then 2X points); and 2X points on all other eligible purchases

Why We Like It

The Marriott Bonvoy Bountiful™ Credit Card is a strong choice for travelers who are loyal to Marriott Bonvoy properties and can use the card and the benefits often enough to offset the $250 annual fee.

Cardholders will enjoy complimentary Gold Elite status which offers perks such as room upgrades and late checkout (depending on availability). 

You can also earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points on grocery stores and dining (up to $15,000 in combined purchases each year, then 2X points); and 2X points on all other eligible purchases.

Card Details
  • Earn 125,000 Marriott Bonvoy bonus points after spending $4,000 in purchases in the first 3 months
  • 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points on grocery stores and dining (up to $15,000 in combined purchases each year, then 2X points); and 2X points on all other eligible purchases

Current Offer

Earn 140,000 points after spending $3,000 in the first three months

Annual Fee

$99

Rewards Rate

26X points per $1 spent on stays at IHG hotels; 5X points on travel, gas stations, and restaurants; and 3X points on other purchases

Why We Like It

The IHG® Rewards Premier Credit Card is best for travelers who stay at IHG-branded hotels, including Regent, Kimpton, Crowne Plaza, and Holiday Inn hotels. The card boasts a large welcome offer for new cardmembers, high rewards on IHG hotel stays, free rewards nights, and premium travel perks.

With this card, you’ll earn up to 26x points at IHG hotels when combined with existing IHG Rewards Club Member benefits. You’ll also earn 5X points on travel, gas stations, and restaurants, and 3X points on all other purchases.

As an IHG Rewards Club Premier cardmember, you are automatically upgraded to Platinum Elite status. You’ll get benefits like no blackout dates for rewards nights, complimentary room upgrades, and a 50% bonus on base points.

Card Details
  • Earn 140,000 points after spending $3,000 in the first three months
  • 26X points per $1 spent on stays at IHG hotels; 5X points on travel, gas stations, and restaurants; and 3X points on other purchases

Current Offer

Earn 75,000 Avios after spending $5,000 in the first 3 months (plus earn an additional 25,000 Avios after spending $20,000 in the first 12 months)

Annual Fee

$95

Rewards Rate

3X points on Iberia, British Airways, Aer Lingus, and LEVEL flight purchases; 2X points on hotels (when booked directly through the hotel); 1X points on everything else

Why We Like It

The Iberia Visa Signature® Card is a good card for loyal Iberia customers who are interested in saving money on Iberia flight purchases.

This card offers a generous sign-up bonus for new cardholders, a decent reward rate on Iberia purchases and hotel purchases, as well as other travel perks that can help you keep trip costs low. 

When you spend $30,000 on your Iberia Visa Signature Card, you earn a $1,000 travel voucher that can be applied to two Iberia plane tickets on the same flight purchased in the next year. 

Card Details
  • Earn 75,000 Avios after spending $5,000 in the first 3 months (plus earn an additional 25,000 Avios after spending $20,000 in the first 12 months)
  • 3X points on Iberia, British Airways, Aer Lingus, and LEVEL flight purchases; 2X points on hotels (when booked directly through the hotel); 1X points on everything else

Current Offer

Earn 75,000 Avios after spending $5,000 in the first 3 months (plus earn an additional 25,000 Avios after spending $20,000 in the first 12 months)

Annual Fee

$95

Rewards Rate

3X points on Aer Lingus, British Airways, Iberia, and LEVEL flight purchases; 2X points on hotels (when booked directly through the hotel); 1X points on everything else

Why We Like It

The Aer Lingus Visa Signature® Credit Card is a solid card for frequent Aer Lingus fliers who want to save on their flight purchases. 

Cardholders can earn a generous sign-up bonus, plus up to 3X bonus points on Aer Lingus, British Airways, Iberia and LEVEL flights

Loyal Aer Lingus customers will also enjoy some money- and time-saving perks with this card. It offers a free annual companion pass after spending $30,000, plus priority boarding on Aer Lingus flights. 

Card Details
  • Earn 75,000 Avios after spending $5,000 in the first 3 months (plus earn an additional 25,000 Avios after spending $20,000 in the first 12 months)
  • 3X points on Aer Lingus, British Airways, Iberia, and LEVEL flight purchases; 2X points on hotels (when booked directly through the hotel); 1X points on everything else

Current Offer

Earn 70,000 points after spending $3,000 in the first 3 months

Annual Fee

$95

Rewards Rate

3X points on grocery stores, dining at restaurants, and direct purchases with Air Canada; and 1X points on all other purchases

Why We Like It

The Aeroplan® Credit Card is a travel card designed with frequent Air Canada flyers in mind. If you're interested in earning Air Canada points and enjoying perks on your flights, this card is an excellent option.

It offers 3X points on grocery stores, dining at restaurants, and direct purchases with Air Canada; and 1X points on all other purchases.

In addition to the generous welcome offer, you'll also get your first bag checked free and pay no foreign transaction fees. You'll also earn 500 bonus points for every $2,000 you spend within a given calendar month.

Card Details
  • Earn 70,000 points after spending $3,000 in the first 3 months
  • 3X points on grocery stores, dining at restaurants, and direct purchases with Air Canada; and 1X points on all other purchases

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Current Offer

$150 Amazon gift card upon approval

Annual Fee

$0

Rewards Rate

5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases

Why We Like It

If you're a loyal Amazon Prime member and you love getting cash back on your purchases, the Amazon Prime Rewards Visa Signature Card is a fantastic option. You can earn big rewards with this card, and it comes with some other valuable perks as well.

With the Amazon Prime Rewards Visa Signature Card, you get a $150 Amazon gift card upon approval. Plus, cardmembers earn a whopping 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases.

The Amazon Prime Rewards Visa Signature also comes with some great travel protections that you rarely see with a no-annual-fee card. It offers lost luggage reimbursement, baggage delay insurance, travel accident insurance, and travel and emergency assistance.

Card Details
  • $150 Amazon gift card upon approval
  • 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases

Disney® Visa® Card

Disney® Visa® Card

Disney® Visa® Card

Current Offer

Earn $150 statement credit after spending $500 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

1% in Disney Rewards Dollars on all eligible purchases

Why We Like It

The Disney® Visa® Card is a good option for travelers who book Disney vacations frequently.

You'll get an  introductory APR of 0% on eligible Disney vacation packages for 6 months (then 16.99% to 25.99% (variable)) if you use your Disney Visa Card to book.

This intro APR offer also applies to the purchase of an interest in a Disney Vacation Club resort. This card also comes with no annual fee and the ability to earn Disney Rewards Dollars on your everyday spending.

Card Details
  • Earn $150 statement credit after spending $500 on purchases in the first 3 months
  • 1% in Disney Rewards Dollars on all eligible purchases
  • Intro purchase 0% APR offer: 0% on eligible Disney vacation packages for 6 months then 16.99% to 25.99% (variable)

Disney® Premier Visa® Card

Disney® Premier Visa® Card

Disney® Premier Visa® Card

Current Offer

Earn a $300 statement credit after you spend $1000 in the first 3 months

Annual Fee

$49

Rewards Rate

5% in Disney Rewards Dollars on DisneyPlus.com, Hulu.com, and ESPNPlus.com; 2% at gas stations, grocery stores, restaurants, and most Disney locations; and 1% on all other purchases

Why We Like It

The Disney® Premier Visa® Card was designed with Disney travelers in mind. It offers some unique perks and an easy-to-earn sign-up bonus.

Cardholders will enjoy a 10% discount on qualifying purchases at Disney stores and special character experiences at Disney resorts. 

Plus, you have the opportunity to earn Disney Rewards Dollars. You'll get 5% in Disney Rewards Dollars on DisneyPlus.com, Hulu.com, and ESPNPlus.com; 2% at gas stations, grocery stores, restaurants, and most Disney locations; and 1% on all other purchases.

Card Details
  • Earn a $300 statement credit after you spend $1000 in the first 3 months
  • 5% in Disney Rewards Dollars on DisneyPlus.com, Hulu.com, and ESPNPlus.com; 2% at gas stations, grocery stores, restaurants, and most Disney locations; and 1% on all other purchases
  • Intro purchase 0% APR offer: 0% on select Disney vacation packages or purchase of a real estate interest for 6 months then 17.74% to 26.74% (variable)
 

Latest Chase business credit card offers 

Current Offer

Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months

Annual Fee

$195

Rewards Rate

5% cash back on travel purchases made through Chase Ultimate Rewards; 2.5% cash back on purchases of $5,000 or more; 2% cash back on all other business purchases

Why We Like It

For business owners who prefer to pay their balance in full each month, the New Business Card! Ink Business Premier℠ Credit Card offers Increased spending power, competitive rewards for business spending, and strong travel benefits. 

Small business owners who pay in full will gain greater spending capacity, and for eligible purchases, the Flex for Business benefit offers the ability to pay off certain purchases over time with interest.

Cardholders can earn unlimited 2.5% on purchases of $5,000 or more and 2% on all other business purchases. For travel, the Ink Business Premier offers unlimited 5% on travel purchases made through Chase Ultimate Rewards, no foreign transaction fees, and several travel protections that include primary rental car collision insurance and roadside dispatch.

The Ink Business Premier also offers additional employee cards at no added cost to track spending and increase reward earnings. Pay your monthly cell phone bill with this card and receive cell phone coverage for yourself and each employee listed on your bill  (up to $1,000 per claim, max 3 claims per year, $100 deductible per claim.)

Card Details
  • Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months
  • 5% cash back on travel purchases made through Chase Ultimate Rewards; 2.5% cash back on purchases of $5,000 or more; 2% cash back on all other business purchases

Current Offer

Earn 100,000 points after spending $15,000 in the first 3 months

Annual Fee

$95

Rewards Rate

3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

Why We Like It

For business owners looking for a rewards card with premium benefits, the Ink Business Preferred® Credit Card is a standout option. It has a lucrative sign-up bonus, valuable rewards program, and flexible redemption options.

With this card, you’ll earn 3X Chase Ultimate Rewards points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines.

It also has comprehensive travel benefits, including trip cancellation and interruption insurance, primary car rental insurance, and cell phone protection.

Card Details
  • Earn 100,000 points after spending $15,000 in the first 3 months
  • 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

Current Offer

Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else

Why We Like It

If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash® Credit Card. It has no annual fee, a valuable sign-up bonus for new cardmembers, and rewards for common business purchases.

You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

With the Ink Business Cash card, you’ll earn 5% cash back at office supply stores and internet, cable, or phone services (up to $25,000 combined annually). You’ll also earn 2% cash back at gas stations and restaurants (up to $25,000 combined annually).

Card Details
  • Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)
  • 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else
  • Intro purchase 0% APR offer: 0% for 12 months then 16.24% to 22.24% (variable)

Current Offer

Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

1.5% cash back on all spending

Why We Like It

The Ink Business Unlimited® Credit Card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn sign-up bonus, a flat rewards structure on all purchases, and an introductory APR offer on purchases that can help you save money. And, there’s no annual fee.

You’ll earn a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

If you have a major purchase coming up for your business, you can take advantage of this card’s 0% introductory APR. You’ll get 0% APR on purchases for 12 months after account opening (then 16.24% to 22.24% (variable)), giving you a full year to pay down your balance without paying interest charges.

Card Details
  • Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)
  • 1.5% cash back on all spending
  • Intro purchase 0% APR offer: 0% for 12 months then 16.24% to 22.24% (variable)

Current Offer

80,000 points after you spend $5,000 in the first 3 months

Annual Fee

$199

Rewards Rate

4X points on Southwest purchases; 3X on Rapid Rewards hotel and car partners; 2X on local transit and commuting, rideshare, social media and search engine advertising, internet, cable, and phone services; and 1X on everything else

Why We Like It

The Southwest® Rapid Rewards® Performance Business Credit Card is a good credit card for budget-conscious business owners who travel often for work, and who prefer to fly on Southwest Airlines.

The card offers a large sign-up bonus for new cardmembers, a high rewards rate on Southwest Airlines purchases, and extra perks to enhance your travel experience.

Every year on your cardmember anniversary, you’ll receive 9,000 bonus points. This bonus can help you earn Southwest A-list status and a Companion Pass. Each year, you can also take advantage of four upgraded boardings, when available.

Card Details
  • 80,000 points after you spend $5,000 in the first 3 months
  • 4X points on Southwest purchases; 3X on Rapid Rewards hotel and car partners; 2X on local transit and commuting, rideshare, social media and search engine advertising, internet, cable, and phone services; and 1X on everything else

Current Offer

Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months

Annual Fee

$99

Rewards Rate

3X points on eligible Southwest Airlines purchases, 2X on rideshare purchases and Rapid Rewards hotel and car rental partners, plus 1 point per $1 spent on all other purchases

Why We Like It

For budget-conscious business owners who prefer to fly on Southwest Airlines, the Southwest® Rapid Rewards® Premier Business Credit Card is an excellent travel rewards card. With a lucrative signup bonus, rewards on Southwest Airlines purchases, and travel benefits, it offers a lot of value.

With this credit card, you’ll earn 3X points per $1 spent on Southwest Airlines purchases and 2X on Rideshare purchases and Rapid Rewards hotel and car rental partners. You’ll also get 6,000 bonus points each year after your cardmember anniversary.

With the sign-up bonus, anniversary bonus, and the points you earn on purchases, you can be well on your way to earning a Southwest Companion Pass.

Card Details
  • Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months
  • 3X points on eligible Southwest Airlines purchases, 2X on rideshare purchases and Rapid Rewards hotel and car rental partners, plus 1 point per $1 spent on all other purchases

Current Offer

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months

Annual Fee

$99 (waived first year)

Rewards Rate

2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

Why We Like It

The United℠ Business Card is best for business travelers who regularly fly on United and are looking for valuable rewards and travel benefits. This card boasts perks to make your next trip more pleasant.

With the United Business card, you’ll earn 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else.

Each year, United Business cardmembers who make seven United flight purchases of $100 or more will receive a $100 United travel credit. On your cardmember anniversary each year, United will add two one-time United Club passes to your account, giving you airport lounge access. 

On all United flights, you and your travel companions on the same reservation get priority boarding. When you pay for your flight with your card, you and one companion also get one free checked bag on all United flights.

Card Details
  • Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months
  • 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

United Club℠ Business Card

United Club℠ Business Card

United Club℠ Business Card

Current Offer

Earn 75,000 bonus miles after spending $5,000 on purchases in the first three months

Annual Fee

$450

Rewards Rate

2X miles on United purchases, plus 1.5X miles on all other purchases

Why We Like It

The United Club℠ Business Card is a premium travel card that's best for business travelers who regularly fly on United and are looking for valuable rewards and perks. This card comes with luxury travel benefits and a generous welcome offer: Earn 75,000 bonus miles after spending $5,000 on purchases in the first three months.

With the United Club Business card, you’ll earn 2X miles on United purchases, plus 1.5X miles on all other purchases.

Each year, United Club Business cardmembers get a free United Club membership, valued at up to $650 per year. This perk includes access to United Club lounges and affiliated lounges around the globe. With this card, you also get access to priority security lanes and priority boarding on United flights, making your trip to the airport more pleasant. When you pay for your flight with your card, you and one companion also get one free checked bag on all United flights.

Card Details
  • Earn 75,000 bonus miles after spending $5,000 on purchases in the first three months
  • 2X miles on United purchases, plus 1.5X miles on all other purchases

Current Offer

Earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months

Annual Fee

$199

Rewards Rate

9X points at Hyatt hotels (4X points plus 5 base points as a World of Hyatt member); 2X points on the top three spending categories each quarter (to 12/31/23, then the top two categories each quarter); 2X points on fitness and gym memberships; and 1X points on all other purchases

Why We Like It

Small business owners and entrepreneurs who travel and stay at Hyatt properties might benefit from this business credit card.

With this card, you can earn 9X points at Hyatt hotels (4X points plus 5 base points as a World of Hyatt member); 2X points on the top three spending categories each quarter (to 12/31/23, then the top two categories each quarter); 2X points on fitness and gym memberships; and 1X points on all other purchases.

You can also earn up to $100 in Hyatt credits each anniversary year and get a 10% redemption bonus if you spend $50,000 in a calendar year. You will also enjoy Hyatt Discoverist status for you and up to five of your employees.

Card Details
  • Earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months
  • 9X points at Hyatt hotels (4X points plus 5 base points as a World of Hyatt member); 2X points on the top three spending categories each quarter (to 12/31/23, then the top two categories each quarter); 2X points on fitness and gym memberships; and 1X points on all other purchases

What is Chase?

JPMorgan Chase & Co. is one of the most well-known financial institutions in the world. Its earliest predecessor, The Manhattan Company, was founded in 1799. Some of The Manhattan Company’s earliest endeavors included providing both clean drinking water and banking services to New York residents. Now, Chase operates in more than 100 global markets and employs over 250,000 people worldwide. It also manages more than $2.6 trillion in client assets.

Chase may be best known around the world for its credit cards, but that is not the extent of its offerings. Since its earliest days, Chase’s predecessors operated as banking institutions, and Chase still offers banking products and services today.

Chase offers personal banking services, credit cards, mortgages, auto loans, small business loans, payment processing services, and investment advice. As its services have become more extensive, so too has its client base. In the U.S. alone, Chase serves almost half of all American households in one way or another.

What are the different types of Chase credit cards?

Consumers have dozens of choices when it comes to selecting a Chase credit card. There are the two main categories of personal and business credit cards, but there are also more specific subcategories. Chase offers a selection of the best travel credit cards and some of the best cashback credit cards. It also partners with certain airlines and hotels to offer co-branded cards. In general, Chase has a great credit card for almost every consumer. 

Chase personal credit cards:

There are many different types of Chase personal credit cards available, from travel cards to cashback rewards cards. Because there are a variety of options to choose from, it’s easy to find one that suits your needs.

Chase cashback cards

Cashback cards earn valuable cash back rewards on every purchase, and you can redeem these rewards in multiple ways. If you want straight cash back, you can choose to receive a statement credit or direct deposit into a checking or savings account. Other redemption options include gift cards, shopping with points on Amazon, and redeeming points for travel.

Chase cashback cards are designed for consumers who want to use a credit card for common purchases. They’re perfect for earning rewards on everyday spending, and some of them include the potential for earning extra rewards in bonus categories, such as gas or groceries, or quarterly rotating categories.

Chase offers these cashback cards:

Chase travel cards

Whether you fly frequently or occasionally, a travel credit card could be beneficial for you. Chase travel cards come with fantastic travel benefits and perks to help enhance your travel experiences. Built-in travel insurance can limit the stress on your next trip, and partner benefits from companies like DoorDash and Lyft can offer great value.

With a Chase travel card, you earn points called Chase Ultimate Rewards on every purchase. The total points you can earn depends on the card's bonus offer, earnings rates, and your spending habits. You can redeem your points through the Chase travel portal for airfare, hotels, car rentals, and more. You can also transfer your rewards to over a dozen airline and hotel partners.

Chase offers these travel cards:

No annual fee Chase cards

If you don’t want to worry about additional fees, a Chase no annual fee card could be right for you. These types of cards don’t generally come with premium perks or benefits, but they can still provide a lot of value.

Some of the best no annual fee credit cards are also cashback cards, so you can earn cashback rewards on every purchase. This is great if you want a no annual fee card for everyday spending. Other no annual fee cards may be co-branded with a hotel, airline, or other company and can provide you with specific benefits for the partner company.

If you want to avoid interest on purchases or balance transfers, certain Chase cards also come with 0% intro APR offers. Often, these offers give you 0% interest for a year or more. With an introductory APR on purchases, you could make a large purchase and pay it off over time without worrying about interest charges. And a 0% balance transfer offer could be useful if you want to transfer high-interest debt from another card and pay it down without worrying about interest charges. 

These zero-interest introductory periods could help you better manage your debt and get you back on track with your finances. Just be aware that after the intro period, your remaining balance will be subject to the regular variable APR.

Chase offers these no annual fee cards:

Chase cards with a 0% introductory offer

If you want to avoid interest on purchases or balance transfers, certain Chase cards also come with 0% intro APR offers. Often, these offers give you 0% interest for a year or more. With an introductory APR on purchases, you could make a large purchase and pay it off over time without worrying about interest charges. And a 0% balance transfer offer could be useful if you want to transfer high-interest debt from another card and pay it down without worrying about interest charges.

These 0% APR credit cards could help you learn how to manage your debt better and get back on track with your finances. Just be aware that after the intro period, your remaining balance will be subject to the regular variable APR.

Co-branded airline cards

Co-branded airline cards are credit cards that Chase has issued in partnership with specific airlines. Instead of earning Chase Ultimate Rewards points, these cards offer valuable rewards for the partner airline’s loyalty program.

For example, if you’re using a Chase Southwest credit card, your purchases earn Rapid Rewards points. With a Chase United credit card, your purchases earn MileagePlus miles. You may also receive specific benefits for the airline just for being a cardholder. This could include travel credits, upgraded boardings, free checked bags, or complimentary airline lounge membership.

Chase offers these co-branded airline cards:

Co-branded hotel cards

Co-branded hotel cards are credit cards that Chase has issued in partnership with specific hotels. When you make purchases with these cards, you earn rewards for the hotels’ loyalty programs instead of Chase Ultimate Rewards points.

For the Chase Marriott credit cards, you would earn points for the Marriott Bonvoy rewards program and for the Chase Hyatt credit card, you would earn points for the World of Hyatt loyalty program.

Co-branded hotel cards often come with automatic hotel status benefits or free hotel stays for being a cardholder.

Chase offers these co-branded hotel cards:

Other co-branded cards

In addition to its co-branded airline and co-branded hotel cards, Chase also offers other co-branded cards. These cards don’t necessarily fall into the airline or hotel categories, though the rewards from some of them may be used toward resort stays or statement credits for airfare.

Chase offers three additional co-branded cards:

Chase credit cards for business:

In addition to their personal credit cards, Chase also offers business credit cards. Chase business cards are designed for business owners and their employees to use on necessary business expenses, whether that’s office supplies, business travel, utilities, or any other applicable purchase.

Within Chase’s selection of business credit cards, business owners can find plenty of options to choose from, including cashback cards, travel cards, and co-branded airline cards. No matter what your business expenses and financial goals may be, you can find a Chase business credit card that works for you.

Chase offers these business cards:

How does Chase compare to other credit card companies?

By purchase volume, Chase is one of the largest credit card issuers in the U.S. It’s a global company that’s well-diversified throughout the financial industry. However, it still draws comparisons with other big credit card companies, such as Visa, Mastercard, and American Express.

But how does Chase measure up?

Chase vs. Visa

It’s hard to go anywhere in the world without someone knowing what Visa is. It’s one of the most widely accepted forms of payment wherever you travel, which means it’s always important to have a Visa card on hand. Otherwise, you risk not being able to use your credit card in other countries.

Still, it’s hard to compare Chase vs. Visa. Chase is a credit card issuer, whereas Visa is a payments network. So, they really aren’t the same thing. Chase issues credit cards and Visa is able to process credit card payments when you use a credit card to make a purchase. This is why you can see both the Chase and Visa logos on the same credit card, such as the Chase Freedom Unlimited® or the Chase Sapphire Preferred® Card.

Visa has solely focused on providing payment solutions to merchants around the world. Chase is ingrained in the world of credit cards, but it also offers many banking and investment services. In reality, the two companies are very different, but they do work together to create a functioning credit card product that consumers love.

With more than 250,000 employees at Chase compared to more than 18,000 employees at Visa, Chase is a much larger company.

Chase vs. Mastercard

Mastercard is similar in many ways to Visa because it’s a payments network and not a card issuer. In this regard, Chase is very different from Mastercard because Chase issues credit cards, but does not offer payment solutions.

As with Visa, you can find credit cards that will have both the Chase and Mastercard logos on them. This means the card was issued by Chase and it requires purchases to be made on a Mastercard-capable payment system. Fortunately, Mastercard is widely accepted all over the world.

Although Chase is involved in many facets of the financial world, such as banking, credit cards, and investments, Mastercard is solely focused on offering payments solutions. Chase has more than 250,000 employees; Mastercard has about 15,000.

Chase vs. American Express

American Express is unique because it’s both a card issuer and a payment network. So, Amex is able to approve consumers for its credit cards and then have merchants accept these cards as payment with Amex-capable payment systems.

Although Chase isn’t a payment network, Chase credit cards are still accepted more widely than Amex cards. This is mainly because every Chase credit card is either a Visa or a Mastercard. Amex credit cards are accepted all over the world, but they still have a lot of catching up to do with Visa and Mastercard.

American Express does offer a few services other than credit cards, including savings accounts, but it doesn’t offer nearly the range of services Chase does. And although Amex is a big company, its number of employees (60,000) can’t match Chase’s (250,000).

Which Chase card should you choose?

The Chase credit card you should choose depends on what you need the card for. Because there are so many different types of Chase cards available, it makes it easier to narrow it down based on your spending habits, financial needs, and goals.

The categories listed above should give you plenty of options to choose from. If you want a card for everyday spending that rewards you for every purchase, a cashback card such as the Chase Freedom Unlimited® could be ideal. You can earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases, which makes it easy to rack up the rewards.

If you’re more interested in travel benefits and rewards, you might consider one of the Sapphire cards: either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. They both offer great travel redemption options and plenty of coverage when it comes to travel insurance.

If you’re loyal to a specific airline and/or hotel, then Chase’s co-branded airline and co-branded hotel cards could be valuable for you. They offer generous rewards-earning potential with popular loyalty programs.

Whatever your needs may be, there’s a Chase card for you. Business owners, frequent travelers, online shoppers, and foodies can all find the perfect Chase card for their wallet.

FAQs about Chase credit cards

Which Chase card is best?

The best Chase credit card for you is the one that fits your spending habits, financial needs, and goals. Everyone has their own unique situation, so the best card for you might not be the best card for someone else. For everyday spending, a cashback card could be a good fit. For travel, you would want a travel card for its redemption options and travel benefits.

If you can figure out what you want out of a Chase credit card, you can figure out which one is right for you.

Is it hard to get a Chase card?

Many Chase credit cards require a good to excellent credit score rating for approval. A good FICO score can range from 670 to 739; an excellent score is over 800. If you’re outside of this range, that doesn’t mean you won’t be approved. Chase will take multiple things into consideration during the approval process, including your credit score. If you’re not approved for a Chase card, you also have the option of calling the Chase reconsideration line. But it's generally a good idea to check your credit report before applying for a new credit card.

Which Chase cards have no annual fee?

These are the Chase cards with no annual fee:

  • Chase Freedom Flex℠
  • Chase Freedom® Student credit card
  • Chase Freedom Unlimited®
  • United Gateway℠ Card
  • Marriott Bonvoy Bold® Credit Card
  • Amazon Prime Rewards Visa Signature Card (Requires an Amazon Prime subscription)
  • Disney® Visa® Card

Which Chase cards earn rewards?

Most Chase cards earn rewards from purchases in some form, and many offer a generous welcome bonus that can help you jumpstart your rewards earning. Cashback cards earn cashback rewards, and travel cards earn Chase Ultimate Rewards points. There are also specific co-branded airline and co-branded hotel cards that earn rewards according to their loyalty programs, which could be either points or miles.

Which Chase cards have no foreign transaction fee?

These are the Chase credit cards with no foreign transaction fees:

  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Southwest Rapid Rewards® Premier Credit Card
  • Southwest Rapid Rewards® Priority Credit Card
  • United Gateway℠ Card
  • United℠ Explorer Card
  • United Club℠ Infinite Card
  • British Airways Visa Signature® Card
  • Aer Lingus Visa Signature® Credit Card
  • Iberia Visa Signature® Card
  • Marriott Bonvoy Bold® Credit Card
  • Marriott Bonvoy Boundless® Credit Card
  • The World of Hyatt Credit Card
  • World of Hyatt Business Credit Card
  • IHG® Rewards Premier Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Ink Business Preferred® Credit Card
  • United℠ Business Card
  • Southwest® Rapid Rewards® Performance Business Credit Card

Is Chase better than Mastercard or Visa?

Chase is a card issuer and Mastercard and Visa are payments networks, so all Chase cards are also either Mastercard or Visa cards. You will find both the Chase logo and either the Mastercard or Visa logo on every Chase card. Because they aren’t the same thing, you can’t say one is better than the other.

What is the Chase Ultimate Rewards program?

The Chase Ultimate Rewards program is Chase’s credit cards rewards program. You can earn Chase Ultimate Rewards points by using any of a number of different Chase credit cards, including both personal and business cards.

You can redeem Chase Ultimate Rewards points for travel through the Chase travel portal. They can also be redeemed for cash back or gift cards. For potentially greater value, you can transfer your points to more than 10 Chase Ultimate Rewards transfer partners, including JetBlue, Southwest, Emirates, Marriott, and Hyatt.

How much are Chase Ultimate Rewards worth?

In general, Chase Ultimate Rewards points are worth between 1 to 1.5 cents per point. If you redeem them for cash back, you can expect to get 1 cent per point in cash back. So, 10,000 Chase Ultimate Rewards points would get you $100 when redeemed for cash back.

With certain cards and specific redemptions, your points can be worth more. If you have the Chase Sapphire Preferred, your points are worth 25% more when redeemed toward travel in the Chase travel portal. So 10,000 points on the Chase Sapphire Preferred would be worth $125 toward Chase travel redemptions.

Likewise, the Chase Sapphire Reserve has the benefit of points being worth 50% more when redeemed toward travel through Chase. So 10,000 points on the Chase Sapphire Reserve would be worth $150 toward Chase travel redemptions.

If you transfer your points to one of Chase’s transfer partners, your points could potentially be worth more than even 1.5 cents apiece.

How do you contact Chase customer service?

To contact Chase customer service you can call the number listed on the back of your Chase credit card or log into your online account and send Chase a secure message through the secure messages tab.

Bottom line on Chase credit cards

If you’re interested in applying for a new Chase credit card, you have plenty of options available. The right one for you will depend on your situation, but just know you can narrow down the choices if you know what you’re looking for.

Remember to consider your financial goals and spending habits carefully as you compare the different types of Chase credit cards. Each card comes with unique benefits and rewards earning potential, so look over this guide to see which one could be the best addition to your wallet.

Our #1 Travel Card

Current Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Benefits and Drawbacks

Benefits

  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Ultimate Rewards
  • Premium travel protection benefits

Drawbacks

  • Has annual fee
  • Typically need to spend thousands to reap rewards
Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.