Chase Credit Cards: Latest Offers [April 2024]

CREDIT CARDS - CREDIT CARD REWARDS
Chase credit cards are known for their valuable benefits. See which one might be right for you.
Updated April 17, 2024
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Chase is one of the world’s leading credit card issuers, offering a wide selection of both personal and business credit 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 excellent options.

In this article

Latest Chase personal credit card offers

Great for Flexible Travel Rewards

4.9

Chase Sapphire Preferred® Card

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks
Card Details

Premium Travel Benefits

5.0

Chase Sapphire Reserve®

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

$550

Rewards Rate

5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases

Benefits and Drawbacks
Card Details

Unlimited Cash Back

4.7

Chase Freedom Unlimited®

Current Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Annual Fee

$0

Rewards Rate

5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Benefits and Drawbacks
Card Details

Seriously Powerful Cashback Card

Chase Freedom Flex℠
4.7

Chase Freedom Flex℠

Current Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

Rewards Rate

5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Great for Building Credit

Chase Freedom Rise℠
5.0

Chase Freedom Rise℠

Current Offer

$25 statement credit for enrolling in automatic payments within the first three months of account opening

Annual Fee

$0

Rewards Rate

1.5% cash back on all purchases

Benefits and Drawbacks
Card Details

Generous Welcome Bonus

4.5

Southwest Rapid Rewards® Plus Credit Card

Current Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening

Annual Fee

$69

Rewards Rate

2X points on Southwest purchases and 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

Benefits and Drawbacks
Card Details


Generous Welcome Bonus

4.8

Southwest Rapid Rewards® Priority Credit Card

Current Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening

Annual Fee

$149

Rewards Rate

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

Benefits and Drawbacks
Card Details

A No Annual Fee Card for United Fans

3.7

United Gateway℠ Card

Current Offer

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open

Annual Fee

$0

Rewards Rate

2 miles per dollar on United purchases, at gas stations, and on local transit and commuting; plus 1 mile per dollar on all other purchases

Benefits and Drawbacks
Card Details

Free Checked Bags for United Fans

4.6

United Quest℠ Card

Current Offer

Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open

Annual Fee

$250

Rewards Rate

3 miles per dollar spent on United purchases; 2 miles per dollar on dining, select streaming services, and all other travel; plus 1 mile per dollar on all other purchases

Benefits and Drawbacks
Card Details

Best Rewards for United

4.5

United℠ Explorer Card

Current Offer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open

Annual Fee

$95 (waived first year)

Rewards Rate

2 miles per dollar spent on dining, hotel stays, and United purchases and 1 mile per dollar on all other purchases

Benefits and Drawbacks
Card Details

A Premium Card for United Flyers

4.8

United Club℠ Infinite Card

Current Offer

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening

Annual Fee

$525

Rewards Rate

4 miles per dollar on United purchases; 2 miles per dollar on all other travel and dining; plus 1 mile per dollar on all other purchases

Benefits and Drawbacks
Card Details

Earn Avios & Fly the World

British Airways Visa Signature® Card
4.4

British Airways Visa Signature® Card

Current Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening (plus, earn 5X Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months; limited time offer)

Annual Fee

$95

Rewards Rate

3X Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL; 2X Avios on hotel accommodations (when booked directly with the hotel); and 1X Avios on all other purchases (plus, 5X Avios on up to $10k in gas, grocery stores and dining purchases for first 12 months; limited time offer)

Benefits and Drawbacks
Card Details

Big bonus points on Hyatt stays

The World of Hyatt Credit Card
4.8

The World of Hyatt Credit Card

Current Offer

Earn up to 60,000 bonus points: 30,000 points after you spend $3,000 on purchases in your first 3 months from account opening, plus up to 30,000 more bonus points by earning 2 points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent

Annual Fee

$95

Rewards Rate

up to 9X points on stays at Hyatt hotels (4 bonus points plus 5 base points as a World of Hyatt member); 2X points on restaurants, airline tickets purchased directly from the airlines, local transit and commuting and on fitness club and gym memberships; and 1X points on all other purchases

Benefits and Drawbacks
Card Details

A Great Choice for New Travelers

Marriott Bonvoy Bold® Credit Card
3.7

Marriott Bonvoy Bold® Credit Card

Current Offer

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

Annual Fee

$0

Rewards Rate

up to 14X points at hotels participating in Marriott Bonvoy; 2X points on other travel purchases; and 1X points on all other purchases

Benefits and Drawbacks
Card Details

A Great Card for Travel Rewards Beginners

Marriott Bonvoy Boundless® Credit Card
4.5

Marriott Bonvoy Boundless® Credit Card

Current Offer

Earn 3 Free Night Awards after spending $3,000 on purchases in your first 3 months from account opening (each night valued up to 50,000 points)

Annual Fee

$95

Rewards Rate

up to 17X points at hotels participating in Marriott Bonvoy; 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 purchases

Benefits and Drawbacks
Card Details

Valuable Bonus Offer and Gold Elite Status

Marriott Bonvoy Bountiful™ Credit Card
4.5

Marriott Bonvoy Bountiful™ Credit Card

Current Offer

Earn 85,000 Marriott Bonvoy points after spending $4,000 in purchases in the first 3 months

Annual Fee

$250

Rewards Rate

18.5X points on eligible purchases at hotels participating in the Marriott Bonvoy program (when coupled with your complimentary Marriott Bonvoy membership and Gold Elite status); 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

Benefits and Drawbacks
Card Details

Earn an Annual Free Night

IHG One Rewards Premier Credit Card
4.7

IHG One Rewards Premier Credit Card

Current Offer

Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

Annual Fee

$99

Rewards Rate

up to 26X total points on stays at IHG hotels & resorts; 5X points on travel, gas stations, and restaurants; and 3X points on all other purchases

Benefits and Drawbacks
Card Details

Generous Iberia Rewards

Iberia Visa Signature® Card
4.8

Iberia Visa Signature® Card

Current Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening (plus, earn 5X Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months; limited time offer)

Annual Fee

$95

Rewards Rate

3X Avios on purchases with Iberia, British Airways, Aer Lingus, and LEVEL; 2X Avios on hotel accommodations (when booked directly with the hotel); 1X Avios on all other purchases (plus, 5X Avios on up to $10k in gas, grocery stores and dining purchases for first 12 months; limited time offer)

Benefits and Drawbacks
Card Details

Generous Aer Lingus Rewards

Aer Lingus Visa Signature® Card
4.4

Aer Lingus Visa Signature® Card

Current Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening (plus, earn 5X Avios on up to $10k in gas, grocery stores, and dining purchases; limited time offer)

Annual Fee

$95

Rewards Rate

3X Avios on Aer Lingus, British Airways, Iberia, and LEVEL flight purchases; 2X Avios on hotels (when booked directly through the hotel); 1X Avios on all other purchases (plus, 5X Avios on up to $10k in gas, grocery stores and dining purchases; limited time offer)

Benefits and Drawbacks
Card Details

An Easy Way to Earn Aeroplan Points

Aeroplan® Credit Card
4.8

Aeroplan® Credit Card

Current Offer

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

Annual Fee

$95

Rewards Rate

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

Benefits and Drawbacks
Card Details

Earn Easy Cash Back at Amazon.com

Prime Visa
4.9

Prime Visa

Current Offer

$100 Amazon gift card upon approval

Annual Fee

$0

Rewards Rate

5% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Easy Cash Back for Amazon and Whole Foods

Amazon Visa
4.7

Amazon Visa

Current Offer

Earn a $50 Amazon gift card upon approval of credit card application

Annual Fee

$0

Rewards Rate

3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Decent Rewards for Disney Fans

3.9

Disney® Visa® Card

Current Offer

Earn a $250 statement credit after you spend $500 on purchases in the first 3 months from account opening

Annual Fee

$0

Rewards Rate

1% in Disney Rewards Dollars on all purchases

Benefits and Drawbacks
Card Details

Good option for Disney fans

4.3

Disney® Premier Visa® Card

Current Offer

Earn a $400 statement credit after you spend $1,000 on purchases in the first 3 months from account opening

Annual Fee

$49

Rewards Rate

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

Benefits and Drawbacks
Card Details

Latest Chase business credit card offers

Flexible Payment Options with Unlimited Rewards

5.0

Ink Business Premier® Credit Card

Current Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening

Annual Fee

$195

Rewards Rate

5% cash back on travel purchased through Chase Travel℠; unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases

Benefits and Drawbacks
Card Details

Hot Welcome Bonus

4.8

Ink Business Preferred® Credit Card

Current Offer

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases

Benefits and Drawbacks
Card Details

Up to 5% Cash Back

4.8

Ink Business Cash® Credit Card

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

Rewards Rate

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% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Unlimited Cash Back

4.8

Ink Business Unlimited® Credit Card

Current Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Annual Fee

$0

Rewards Rate

Unlimited 1.5% cash back on every purchase

Benefits and Drawbacks
Card Details

Special Perks for Business Owners

4.7

Southwest® Rapid Rewards® Performance Business Credit Card

Current Offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening

Annual Fee

$199

Rewards Rate

4X points on Southwest purchases; 3X points on Rapid Rewards hotel and car rental partners; 2X on rideshare, social media and search engine advertising, internet, cable, and phone services; plus 1X points on all other purchases

Benefits and Drawbacks
Card Details

Big Rewards For Southwest Travelers

4.3

Southwest® Rapid Rewards® Premier Business Credit Card

Current Offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open

Annual Fee

$99

Rewards Rate

3X points on Southwest purchases, 2X points on Rapid Rewards hotel and car rental partners and on local transit and commuting, including rideshare; plus 1X points on all other purchases

Benefits and Drawbacks
Card Details

Great value for a low fee!

4.7

United℠ Business Card

Current Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Annual Fee

$99 (waived first year)

Rewards Rate

2 miles per dollar spent on United purchases, dining, at gas stations, office supply stores, and on local transit and commuting; plus 1 mile per dollar spent on all other purchases

Benefits and Drawbacks
Card Details

Free Bags and Free Employee Cards

United Club℠ Business Card
4.7

United Club℠ Business Card

Current Offer

Earn 50,000 bonus miles, plus 1,000 Premier Qualifying Points (PQP), after spending $5,000 on purchases in the first three months

Annual Fee

$450

Rewards Rate

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

Benefits and Drawbacks
Card Details

Elite Status and Generous Bonus Points

World of Hyatt Business Credit Card
4.6

World of Hyatt Business Credit Card

Current Offer

Earn 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening

Annual Fee

$199

Rewards Rate

9X points at Hyatt hotels (4 bonus points plus 5 base points as a World of Hyatt member); 2X points on your top three spend categories each quarter (through 12/31/24, then your top two categories each quarter); 2X points on fitness club and gym memberships; and 1X points on all other purchases

Benefits and Drawbacks
Card Details

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 holds more than $3.7 trillion in 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 several of the best travel credit cards and some of the best cash back credit cards. It also partners with certain airlines and hotels to offer co-branded cards. In general, Chase has a credit card that could work for almost every consumer.

Chase personal credit cards:

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

Chase cash back cards

Cash back cards earn valuable cashback 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 cash back 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 cash back 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 card with no annual fee 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 cash back 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, an airline, or another company, and can provide you with specific benefits for purchases with the partner company.

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 let you pay no interest for up to a year, or sometimes more depending on the offer details.

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% APR balance transfer offer could be useful if you want to transfer high-interest debt from a non-Chase credit card and pay it down without worrying about interest charges.

Credit cards with 0% APR offers 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, so you should be confident you can pay off your balance within the introductory timeframe.

  • Chase Slate Edge℠: 0% intro APR for 18 months on purchases (then 20.49% - 29.24% Variable)
    0% intro APR for 18 months on balance transfers (then 20.49% - 29.24% Variable)
  • Chase Freedom Unlimited®: 0% intro APR for 15 months on purchases (then 20.49% - 29.24% Variable)
    0% intro APR for 15 months on balance transfers (then 20.49% - 29.24% Variable)
  • Chase Freedom Flex℠: 0% intro APR for 15 months on purchases (then 20.49%-29.24% Variable)
    0% intro APR for 15 months on balance transfers (then 20.49%-29.24% Variable)

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 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 holds a huge amount of assets in the financial industry. However, it still draws comparisons with other major credit card companies, such as American Express, and with payment networks, such as Visa and Mastercard.

So how does Chase measure up?

Chase vs. Visa

It’s hard to compare Chase vs. Visa because they're different types of companies. Chase is a credit card issuer, whereas Visa is a payment network. So, they really aren’t the same thing. Chase issues credit cards and Visa processes credit card payments when you use a 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 issues credit cards to consumers, 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.

With more than 250,000 employees at Chase compared to more than 26,000 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 it 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 over 29,000.

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 process these cards with Amex-capable payment systems.

Although Chase isn’t a payment network, Chase credit cards are still more widely accepted than Amex cards. This is mainly because all Chase credit cards use either Visa or Mastercard payment networks. Amex credit cards are accepted all over the world, but not as widely as Visa and Mastercard.

American Express does offer a few services beyond credit cards, including savings accounts, but it doesn’t offer nearly the range of financial services that Chase does. And although Amex is a big company, its number of employees (more than 77,000) can’t match Chase’s (more than 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 cash back card such as the Chase Freedom Unlimited® could be ideal. You can earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases, which could make it easy to rack up 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 excellent travel redemption options along with travel-specific perks.

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 rewards-earning potential with popular loyalty programs, although you should compare the overall value to Chase's own Ultimate Rewards program.

Whatever your needs may be, there’s probably a Chase card that could work for you. Chase has options for business owners, frequent travelers, online shoppers, and foodies.

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 cash back 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. But your credit score isn't the only factor that affects your approval or denial, and an excellent credit score still doesn't guarantee you'll be eligible for a card. But it's generally a good idea to check your credit report before applying for a new credit card to get an idea of whether or not you could qualify.

Chase considers multiple factors in the approval process, and your credit score is only one of them. If you’re not approved for a Chase card, you have the option of calling the Chase reconsideration line

Which Chase cards have no annual fee?

These are the Chase cards with no annual fee:

  • Chase Freedom Flex℠
  • Chase Freedom Rise℠
  • Chase Freedom Unlimited®
  • Chase Slate Edge℠
  • United Gateway℠ Card
  • Marriott Bonvoy Bold® Credit Card
  • Prime Visa (Requires an Amazon Prime subscription)
  • Disney® Visa® Card
  • DoorDash Rewards Mastercard®
  • Instacart Mastercard®

Which Chase cards earn rewards?

Most Chase cards earn rewards from purchases in some form, and many offer generous welcome offers that could help you jumpstart your rewards earning. Cash back 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 through the brand's loyalty program, 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
  • United Quest℠ Card
  • British Airways Visa Signature® Card
  • Aer Lingus Visa Signature® Card
  • Iberia Visa Signature® Card
  • Marriott Bonvoy Bold® Credit Card
  • Marriott Bonvoy Boundless® Credit Card
  • The World of Hyatt Credit Card
  • IHG One Rewards Premier Credit Card
  • Prime Visa
  • United℠ Business Card
  • Southwest® Rapid Rewards® Performance Business Credit Card
  • Instacart Mastercard®
  • Aeroplan® Credit Card
  • Marriott Bonvoy Bountiful™ Credit Card
  • IHG One Rewards Traveler Credit Card
  • Amazon Visa
  • Ink Business Preferred® Credit Card
  • Ink Business Premier® Credit Card
  • United Club℠ Business Card
  • IHG One Rewards Premier Business Credit Card
  • United Club℠ Business Card
  • World of Hyatt Business Credit Card

Is Chase better than Mastercard or Visa?

Chase is a card issuer and Mastercard and Visa are payment 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 these are different types of companies, we 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 portal. They can also be redeemed for cash back or gift cards, among other redemption options. 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 around 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.

Chase credit cards: bottom line

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.

Great for Flexible Travel Rewards

4.9

Chase Sapphire Preferred® Card

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is a Senior Credit Cards Writer at FinanceBuzz. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

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