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Chase Credit Cards

4 min read
By John Ganotis Sep 24, 2019 | Updated Feb 08, 2021
At a glance

Chase is a prominent credit card issuer that’s perhaps most known for its travel-focused Sapphire cards and Freedom cash back cards.

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There’s a wide variety of Chase credit cards, mostly designed for people with great credit history and credit scores.

Chase also offers several business credit cards for small business owners under the Chase Ink Business brand.

For Travel Rewards

These cards do not have foreign transaction fees, which should be expected on travel credit cards with an annual fee. They’re part of the Chase Ultimate Rewards program. Ultimate Rewards points are most valuable when you redeem for travel purchases through the Ultimate Rewards portal or a point transfer to a partner travel program, like a hotel loyalty program.

Each card has an opportunity to earn bonus points for spending a certain amount within the first few months of account opening. These credit cards even offer primary car rental insurance, a valuable perk that could help keep your insurance payments low.

Chase Sapphire Preferred® Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 22.99% Variable

This popular metal travel card earns 2 Ultimate Rewards points per dollar spent on restaurant and travel purchases. You’ll also get a few solid benefits, primarily travel and shopping protections.

Chase Sapphire Reserve®

Our rating
Min. credit levelExcellent
Details
Annual Fee$550
Regular APR16.99%-23.99% Variable

The Chase Sapphire Reserve is one of the best Chase credit cards, offering cardholders perks like an annual travel credit, a fee credit towards a Global Entry or TSA Pre✓ application, and many other benefits. Cardmembers will also enjoy a complimentary Priority Pass Select membership.

For Cash Back Rewards

Chase offers two rewards credit cards that earn cash back with no annual fee. Each of these Chase cards also comes with an intro APR for the first year, which can be used for balance transfers or to pay off purchases over time. After that you’ll get a regular variable APR.

Chase Freedom Flex℠

Min. credit levelGood
Details
Annual Fee$0
Regular APR14.99% - 23.74% Variable

The Chase Freedom Flex card offers 5% back for eligible card purchases on bonus categories that rotate every quarter. Recent bonus categories have included grocery stores, gas stations, department stores, and wholesale clubs.

Chase Freedom Unlimited®

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR14.99% - 23.74% Variable

The Chase Freedom Unlimited earns 5% cash back on Lyft rides and travel purchased through Chase Ultimate Rewards. You’ll get 3% cash back at restaurants and drugstores, and 1.5% back for all other purchases.

For Students

Chase only has one student card. It’s pretty simple but not a bad offering overall, with some cash back rewards and the opportunity to easily increase your credit limit.

Chase Freedom Student

Our rating
Min. credit levelLimited Credit History
Details
Annual Fee$0
Regular APR16.49% Variable
  • 5% cash back on Lyft rides (through March 2022)
  • Unlimited 1% cash back on all other purchases
  • $50 bonus after first purchase within 3 months of account opening
  • Must be a student to apply
  • Automatic credit limit increase after 5 on-time payments within 10 months of account opening
  • Points do not expire
  • No annual fee

Co-Branded Hotel & Airline Cards

Chase offers several airline and hotel rewards cards with partner brands to help cardmembers earn travel rewards on purchases like airfare and hotel stays.

British Airways / Aer Lingus / Iberia

British Airways Visa Signature® Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 22.99% Variable

Aer Lingus Visa Signature® Card

Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 22.99% Variable

Iberia Visa Signature® Card

Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 22.99% Variable

Hyatt

World of Hyatt Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 22.99% Variable

Marriott

Marriott Bonvoy Boundless™ Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 22.99% Variable

Marriott Bonvoy Bold™ Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.99% - 22.99% Variable

Southwest Airlines

Southwest Rapid Rewards® Priority Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$149
Regular APR15.99% - 22.99% Variable

Southwest Rapid Rewards® Premier Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$99
Regular APR15.99% - 22.99% Variable
  • Earn Companion Pass® through 2/28/2022 plus 30,000 points after you spend $5,000 on purchases in the first 3 months.
  • With Companion Pass®, every time you fly, your friend can too.
  • 6,000 bonus points after your Cardmember anniversary each year.
  • Earn 2 points per $1 spent on Southwest® purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Your points never expire, a benefit of the Rapid Rewards® program.

Southwest Rapid Rewards® Plus Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$69
Regular APR15.99% - 22.99% Variable

United Airlines

United℠ Explorer Card

Our rating
Min. credit levelGood
Details
Annual Fee$0 introductory annual fee for the first year, then $95
Regular APR16.49% to 23.49% Variable

United Club℠ Infinite Card

Our rating
Min. credit levelExcellent
Details
Annual Fee$525
Regular APR16.49% - 23.49% Variable

What Are the Best Chase Credit Cards?

That depends — how do you spend your money, and what are you looking for in a credit card? If you’d like to earn travel rewards, try the Chase Sapphire cards. The Chase Sapphire Preferred® Card (Review) delivers strong rewards and point transfer opportunities for a reasonable annual fee, while the Chase Sapphire Reserve® (Review) adds a premium tilt with better rewards and top-tier benefits at a higher price tag.

If you’re not huge on travel, the Chase Freedom Flex℠ (Review) and Chase Freedom Unlimited® (Review) are worth a look. They’re both strong cash back credit cards with no annual fee, but the Flex focuses on quarterly rotating categories, while the Unlimited offers a few permanent categories and 1.5% cash back on everything else.

Last, but certainly not least, Chase issues a plethora of co-branded airline and hotel cards. If you’re a frequent traveler who doesn’t mind brand loyalty, they might be worth a look — particularly top picks like the United℠ Explorer Card (Review) and the Southwest Rapid Rewards® Priority Credit Card (Review).

What Benefits Do Chase Credit Cards Provide?

Chase offers a set of features that come standard with their credit cards, including:

  • Chase Credit Journey: Chase offers free credit scores to help you keep tabs on your credit. View your VantageScore 3.0, based on your TransUnion credit report, and see data from that report.
  • Referral Bonuses: Some cards offer bonus rewards for referring friends who successfully apply for Chase cards.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges.
  • Fraud Alerts: Sign up to get notified of any possibly fraudulent card activity.
  • Fraud Protection: Real-time fraud monitoring software to help protect your account.

What Credit Scores Do You Need to Get a Chase Credit Card?

Most Chase credit cards are intended for those with good credit scores. That’s a FICO score of at least 670.

There are a few exceptions.

The Chase Sapphire Reserve® (Review) targets individuals with excellent credit. FICO scores above 740 or so should do the trick.

Then there’s the Chase Freedom Student. Like most student-focused credit cards, it’s tailored for those with limited or no credit.

Keep in mind that your credit alone may not be enough for approval. You’ll generally also have to make enough money and have a low enough debt load that the issuer isn’t worried you’ll be unable to make payments.

Are There Chase Credit Cards With No Foreign Transaction Fees?

Yes! Unsurprisingly, most are designed for frequent travelers.

Options include:

What’s the Chase 5/24 Rule?

The Chase 5/24 rule is an unspoken — and therefore unconfirmed — rule that reportedly applies to the Chase card application process (more general information on the credit card application process here).

The rule goes like this: If you’ve opened five or more credit cards that appear on your personal credit reports in the past 24 months, Chase will deny your application. Pretty simple. The rule was likely designed to mitigate lending risk on Chase’s part while curbing singup bonus abuse.

Because the rule is unconfirmed, there are reports that it doesn’t always hold true. So, if you really want a Chase card but you’ve already opened five accounts in the last two years, you could still give the application a shot (you may need to call the reconsideration line after applying). Just make sure you’re using your credit cards responsibly.

Written by

John Ganotis

John is committed to helping people understand how credit works and use it to their advantage. Since 2007, when he first worked in the finance industry, he’s been building his credit knowledge. It’s his mission to communicate this knowledge clearly to everyone who’s willing to learn, constantly improving the guides and reviews on Credit Card Insider since 2012. He knows firsthand how easy it is to accumulate credit card debt, the challenge of paying it off completely, and the satisfaction of using credit to his advantage. John is devoted to making Credit Card Insider the best resource for those looking to understand credit and use credit cards as a powerful tool rather than fear them.

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