Chase Credit Cards: Best and Latest Offers [August 2020]

Chase credit cards are known for their valuable benefits. See which one might be right for you.
Last updated Jul 1, 2020 | By Ben Walker

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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.

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Latest Chase personal card offers 

Special Offer

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

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 card, you’ll earn 2X points per $1 spent on dining and travel and 1 point per $1 spent on all other purchases.

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.

Credit Needed: Good - Excellent

Special Offer

Earn 50,000 points after spending $4,000 on purchases in the first 3 months

Why We Like It

The Chase Sapphire Reserve is 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. 

Earn 3X points on travel, and at restaurants & 1 point per $1 spent on everything else. Cardmembers receive 50% more value when redeeming rewards for travel through the Chase Ultimate Rewards portal. For example, 50,000 points are worth $750 toward travel.

Credit Needed: Excellent

Special Offer

Earn up to 50,000 Bonus Points: 25,000 after spending $3,000 in the first 3 months, plus an additional 25,000 after spending a total of $6,000 in the first 6 months

Why We Like It

If you travel and stay at Hyatt a few times a year, 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 on Hyatt purchases. You’ll earn 2X points per $1 spent on transportation, dining out, airline tickets purchases directly from airlines, and fitness club and gym memberships.

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.

Credit Needed: Good - Excellent

Special Offer

Earn 125,000 points after spending $3,000 in the first 3 months

Why We Like It

The IHG Rewards Club Premier 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 25X points per $1 spent at IHG hotels when combined with existing IHG Rewards Club Member benefits. You’ll also earn 2X points per $1 spent at gas stations, grocery stores, and restaurants.

As a 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.

Credit Needed: Good - Excellent

Special Offer

Earn 75,000 points after spending $2,000 in the first 3 months

Why We Like It

The IHG Rewards Club Traveler Card is a great option for those who like to stay with IHG brands like Holiday Inn, Kimpton, and InterContinental.

Frequent travelers can take advantage of the fourth night free reward and 15X points at IHG hotels.

Plus, earn 2x points at gas stations, grocery stores, and restaurants and 1x on everything else.

Credit Needed: Good - Excellent

Special Offer

Earn 40,000 points after you spend $1,000 in the first 3 months

Why We Like It

The Southwest Airlines Rapid Rewards Plus card is an excellent travel rewards card for travelers who prefer to fly on Southwest Airlines. It does have a sign-up bonus for new cardmembers, and cardmembers can earn bonus points after each cardmember anniversary.

With the Southwest Airlines Rapid Rewards Plus card, you’ll earn 2X points per $1 spent on Southwest purchases and participating Rapid Rewards partner purchases, and 1 point per $1 spent 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.

Credit Needed: Good - Excellent

Special Offer

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months

Why We Like It

If you like to travel often and prefer to fly on Southwest Airlines, the Southwest Airlines Rapid Rewards Premier 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 2X points per $1 spent on Southwest Airlines purchases and 1 point per $1 spent on all other purchases. Every year after your cardmember anniversary, you’ll get 6,000 points.

Points earned from your signup bonus, anniversary bonus, and on purchases count toward a Companion Pass. Once you reach 125,000 points, you can bring a friend or relative along with you for free for a year — you just pay taxes and fees.

Credit Needed: Good - Excellent

Special Offer

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months

Why We Like It

The Southwest Rapid Rewards Priority Card is best for frequent travelers who are devotees of Southwest Airlines. It has a generous sign-up bonus for new cardmembers, rewards on Southwest purchases, and extra travel perks and benefits.

As a cardmember, you’ll earn 2X points per $1 spent on Southwest Airlines and Rapid Rewards purchases and 1 point per $1 spent on all other purchases.

With the Southwest Rapid Rewards Priority Card, you’ll earn 7,500 points every year after your cardmember anniversary. These points you earn can help you qualify for a Southwest Companion Pass.

Credit Needed: Good - Excellent

Special Offer

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

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 signup 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 miles per $1 spent on United purchases, restaurants and delivery services, and hotel stays. You’ll also get 1 mile per $1 spent on all other purchases.

Every year, you’ll get two one-time passes to United Club lounges around the country — a $100 value. On inflight 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.

Credit Needed: Good - Excellent

Special Offer

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

Why We Like It

The United Club Infinite Card is a premium travel card designed with frequent United fliers 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), and 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 or TSA Precheck 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.

Credit Needed: Good - Excellent

Special Offer

$200 cash back bonus after spending $500 in the first 3 months

Why We Like It

If you want a powerhouse cash back rewards card that has no annual fee, consider the Chase Freedom card. It has an easy-to-earn signup bonus for new cardmembers, and you can maximize your rewards by taking advantage of rotating spending categories.

You can earn 5% cash back on up to $1,500 spent each quarter, giving you a higher return than if you used a cash back card with a flat rewards rate. In the past, spending categories have included gas stations, drugstores, grocery stores, streaming services, department stores, and PayPal purchases.

The Chase Freedom card offers 0% APR on purchases for 15 months after account opening.

Credit Needed: Good - Excellent

Special Offer

Earn a $200 cash back bonus after spending $500 in the first 3 months

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 signup bonus for new cardmembers, and a simple rewards structure.

It’s best for people who want a simple rewards card to use for all of their routine purchases instead of juggling multiple credit cards. You’ll earn a flat 1.5% cash back on every purchase.

The Chase Freedom Unlimited card is a great choice if you’re planning on making a major purchase. It has an introductory 0% APR offer for 15 months after account opening on purchases, giving you over a year to pay down your balance without paying interest charges.

Credit Needed: Good - Excellent

Chase Freedom Student

Chase Freedom Student

Special 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

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.

Credit Needed: Fair

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Special Offer

$100 Amazon gift card upon approval

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 $100 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; and 1% on all other eligible 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.

Credit Needed: Excellent

Iberia Visa Signature Card

Iberia Visa Signature Card

Special Offer

Earn up to 100,000 points: 50,000 points after you spend $3,000 in the first 3 months; plus, another 50,000 points after you spend $20,000 in the first year

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. 

Credit Needed: Good - Excellent

Aer Lingus Visa Signature Credit Card

Aer Lingus Visa Signature Credit Card

Special Offer

Earn up to 100,000 points: 50,000 points after you spend $3,000 in the first 3 months; plus, another 50,000 points after you spend $20,000 in the first year

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 flight purchases with Aer Lingus, British Airways, Iberia, and LEVEL. 

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. 

Credit Needed: Good - Excellent

Special Offer

Earn up to 100,000 bonus Avios: 50,000 bonus Avios after spending $3,000 in the first 3 months, and another 50,000 after spending $20,000 in the first year after account opening

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 3 Avios per dollar on British Airways purchases and 1 Avois per dollar spent on everything else.

Credit Needed: Good - Excellent

Special Offer

Earn 50,000 bonus points when you spend $1,000 in the first 3 months

Why We Like It

The all new 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 earn unlimited Bonvoy points.

Earn 3X Bonvoy points at over 7,000 hotels participating in Marriott Bonvoy; 2X Bonvoy points on eligible travel purchases; 1 point per $1 on everything else.



Credit Needed: Good - Excellent

Special Offer

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

Why We Like It

The Marriott Bonvoy Boundless 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 night stays.

When you use the Marriott Bonvoy Boundless Visa Signature card, you’ll earn 6X points per $1 spent at participating Marriott Bonvoy hotels and 2X points per $1 spent on all other 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.

Credit Needed: Good - Excellent

AARP Credit Card from Chase

AARP Credit Card from Chase

Special Offer

Earn $100 cash back after spending $500 in the first 3 months

Why We Like It

If you are interested in earning generous cash back on gas and grocery store purchases, the AARP Credit Card from Chase may be a great choice.

This card offers 3% cash back at gas stations and grocery stores and 1% cash back on all other purchases. Plus, new cardmembers can get $100 bonus cash back after spending $500 in the first 3 months.

The AARP Credit Card from Chase also comes with additional features like purchase protection, extended warranty protection, zero liability protection, and fraud alerts.
Credit Needed: Good - Excellent

Disney Visa Card

Disney Visa Card

Special Offer

Earn a $50 statement credit after first purchase

Why We Like It

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

If you use the Disney Visa Card to book an eligible Disney vacation package, you'll get a 0% introductory APR offer for 6 months. This 0% 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.

Plus, cardholders get a $50 statement credit after making their first purchase.

Credit Needed: Good - Excellent

Disney Premier Visa Card

Disney Premier Visa Card

Special Offer

Earn a $200 statement credit after you spend $500 in the first 3 months

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. With this card, you can earn a $200 statement credit after you spend $500 in the first 3 months.

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

Credit Needed: Good - Excellent
 

Latest Chase business card offers 

Special Offer

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

Why We Like It

For business owners looking for a rewards card with premium benefits, the Ink Business Preferred 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 points per $1 spent on travel, shipping purchases, internet, cable, and phone services, and advertising purchases made on social media sites and search engines — up to $150,000 in combined spending each year.

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

Credit Needed: Good - Excellent

Special Offer

Earn $500 bonus cash back after spending $3,000 in the first 3 months

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 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 on internet, cable, and phone services — up to $25,000 spent combined each year. You’ll also earn 2% cash back at gas stations and restaurants, on up to $25,000 spent combined each year.

Credit Needed: Good - Excellent

Special Offer

Earn $500 bonus cash back after spending $3,000 in the first 3 months

Why We Like It

The Chase Ink Business Unlimited card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn signup 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, giving you a full year to pay down your balance without paying interest charges.

Credit Needed: Good - Excellent

Special Offer

Earn up to 100,000 points: 70,000 points after you spend $5,000 in the first 3 months; plus, another 30,000 points after you spend $25,000 in the first 6 months

Why We Like It

The Southwest Airlines Rapid Rewards Performance Business 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.

Credit Needed: Good - Excellent

Special Offer

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

Why We Like It

For budget-conscious business owners who prefer to fly on Southwest Airlines, the Southwest Airlines Rapid Rewards Premier Business 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 2X points per $1 spent on Southwest Airline purchases and 1 point per $1 spent on all other purchases. 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.

Credit Needed: Good - Excellent

Special Offer

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

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 per $1 spent on United, restaurants, gas stations, office supply stores, and local transit and commuting purchases.

Each year, United Business cardmembers who make seven United flight purchases of $100 or more will receive a $100 United travel credit. Every year on your cardmember anniversary, 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.

Credit Needed: Good - Excellent

United Club Business Card

United Club Business Card

Special Offer

Earn 100,000 bonus miles after spending $10,000 on purchases in the first three months (limited-time offer)

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 a generous 100,000-mile sign up offer as well as some luxury travel benefits.

With the United Club Business card, you’ll earn 2X miles per $1 spent on United, and 1.5X miles per $1 spent on all other eligible 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.

Credit Needed: Good - Excellent

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 high-value travel credit cards and 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.

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. You can redeem these points through the Chase travel portal for airfare, hotels, car rentals, and more.

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 these 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, some of these cards also come with 0% intro APR offers. These zero-interest introductory periods can help you better manage your debt and get you back on track with your finances.

Chase offers these no annual fee cards:

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 Freedom Unlimited or Chase Sapphire Preferred.

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 Freedom Unlimited could be ideal. You can earn unlimited 1.5% cash back on all 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 Sapphire Preferred or the 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.

Which Chase cards have no annual fee?

These are the Chase cards with no annual fee:

  • Chase Freedom Card
  • Chase Freedom Student
  • Chase Freedom Unlimited
  • United TravelBank Card
  • Marriott Bonvoy Bold Credit Card
  • IHG Rewards Club Traveler Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Disney Visa Card
  • AARP Credit Card from Chase

Which Chase cards earn rewards?

Most Chase cards earn rewards from purchases in some form. 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 Card
  • Southwest Rapid Rewards Premier Credit Card
  • Southwest Rapid Rewards Priority Credit Card
  • United TravelBank Card
  • United Explorer Card
  • United MileagePlus Club Card
  • United Club Infinite 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 Rewards Club Traveler Credit Card
  • IHG Rewards Club Premier Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Ink Business Preferred
  • 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.

#1 Travel Rewards Card

Benefits

  • 60,000 point sign-up bonus
  • 5X points on select streaming services (up to $1,500) from July 1, 2020 to September 30, 2020
  • 3X points with Instacart (up to $3,000), and at gas stations (up to $1,500) from July 1, 2020 to September 30, 2020
  • 2X points on eligible dining and travel purchases
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • Premium travel protection benefits