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Chase Credit Cards
4 min read
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.
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
- 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
- 2X Ultimate Rewards points per dollar for:
- Travel
- Restaurants
- 1X Ultimate Rewards point per dollar on all other purchases
Introductory bonus
Bonus restrictions
You are ineligible for this bonus if you have a Sapphire card, or you’ve received a new cardmember bonus for any Sapphire card in the past 48 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
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.
- Min. credit levelExcellent
- Annual Fee$550
- Regular APR16.99%-23.99% Variable
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
- 3X Ultimate Rewards points per dollar on:
- Travel (after the full travel credit is used)
- Dining
- 1X Ultimate Rewards point per dollar on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR16.99%-23.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual Fee$75
- Foreign Transaction Fee$0
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.
- Min. credit levelGood
- Annual Fee$0
- Regular APR14.99% - 23.74% Variable
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- 5% cash back on:
- Travel purchased through Chase Ultimate Rewards
- Lyft rides (through March 2022)
- Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
- 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
- 3% cash back at:
- Restaurants
- Drugstores
- 1% cash back on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR14.99% - 23.74% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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.
- Min. credit levelGood
- Annual Fee$0
- Regular APR14.99% - 23.74% Variable
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- 5% cash back on:
- Travel purchased through Chase Ultimate Rewards
- Lyft rides (through March 2022)
- Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
- 3% cash back at:
- Restaurants
- Drugstores
- 1.5% cash back on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR14.99% - 23.74% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $38
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
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.
- Min. credit levelLimited Credit History
- Annual Fee$0
- Regular APR14.99% Variable
- $50 Bonus after first purchase made within the first 3 months from account opening
- Earn 1% cash back on all purchases
- No annual Fee
- $20 Good Standing Rewards after each account anniversary for up to 5 years
- Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
- Free credit score with Chase Credit Journey
- 5% cash back on Lyft rides (through March 2022)
- 1% cash back on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR14.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
The information related to Chase Freedom® Student credit card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
- Earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
- Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- 5X Avios per dollar for the first 12 months, then 3X Avios, with:
- Iberia
- British Airways
- Aer Lingus
- 3X Avios per dollar for the first 12 months, then 2X Avios, at Hotels
- 1X Avios per dollar everywhere else
Introductory bonus
Bonus restrictions
You can use your Avios towards rewards flights. All reward flights are subject to taxes, fees, and carrier charges. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $38
- Additional Cards Annual FeeSee Terms
- Foreign Transaction Fee$0
The information related to British Airways Visa Signature® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
- Earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
- Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
- Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you'll receive a Commercial Companion Ticket good for 12 months.
- You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- 5X Avios per dollar for the first 12 months, then 3X Avios, with:
- Iberia
- British Airways
- Aer Lingus
- 3X Avios per dollar for the first 12 months, then 2X Avios, at Hotels
- 1X Avios per dollar everywhere else
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
The information related to Aer Lingus Visa Signature® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
- Earn 5 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
- Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
- Save 10% on Iberia flights purchased on iberia.com/Chase10.
- Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- 5X Avios per dollar on flight purchases for the first 12 months, then 3X Avios, with:
- Iberia
- British Airways
- Aer Lingus
- 3X Avios per dollar for the first 12 months, then 2X Avios, at Hotels
- 1X Avios per dollar everywhere else
Introductory bonus
Bonus restrictions
This product is not available to you if you have this card and you have received a cardmember bonus for this card in the past 24 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
The information related to Iberia Visa Signature® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Hyatt
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 30,000 Bonus 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 Bonus 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
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- 9X points per dollar on eligible net purchases at participating Hyatt hotels and resorts:
- 4X Bonus points from the card
- 5X Base points from Discoverist member status
- 2X Bonus points per dollar on:
- Restaurants
- Airline tickets purchased directly from the airline
- Local transit/commuting
- Fitness clubs and gym memberships
- 1X Bonus point per dollar on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
The information related to World of Hyatt Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Marriott
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
- 2X Bonvoy points for every $1 spent on all other purchases.
- Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
- 15 Elite Night Credits each calendar year.
- No Foreign Transaction Fees.
- Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
- 17X Marriott Rewards points per dollar at Marriott Bonvoy hotels
- 6X Bonus points per dollar from the card
- 11X Base points per dollar for Marriott Bonvoy Silver Elite status
- 2X Bonus points per dollar on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
- Min. credit levelGood
- Annual Fee$0
- Regular APR15.99% - 22.99% Variable
- Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
- Pay no annual fee with the Marriott Bonvoy Bold™ Credit Card from Chase®!
- Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
- 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
- 1X point for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
- No Foreign Transaction Fees.
- Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
- 3X Bonus points per dollar at Marriott Bonvoy hotels
- 2X Bonus points per dollar on Travel
- 1X Bonus point per dollar on all other purchases
Introductory bonus
Bonus restrictions
Welcome bonus is not available for applicants who:
- Are a current cardmember or a previous cardmember in the last 30 days of the Marriott Bonvoy™ American Express® Card (The Starwood Preferred Guest® Credit Card from American Express)
- Are a current or previous cardmember of either Marriott Bonvoy Business™ American Express® Card (The Starwood Preferred Guest® Business Credit Card from American Express) or the Marriott Bonvoy Brilliant™ American Express® Card (Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember bonus or upgrade bonus in the last 24 months
- Were approved for a Marriott Bonvoy Business™ American Express® Card (The Starwood Preferred Guest® Business Credit Card from American Express) or the Marriott Bonvoy Brilliant™ American Express® Card (Starwood Preferred Guest® American Express Luxury Card) within the last 90 days.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
Southwest Airlines
- Min. credit levelGood
- Annual Fee$149
- Regular APR15.99% - 22.99% Variable
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
- 7,500 bonus points after your Cardmember anniversary each year.
- $75 Southwest® travel credit each year.
- 4 Upgraded Boardings per year when available.
- 20% back on inflight drinks and WiFi.
- Earn 2 points per $1 spent on Southwest® purchases.
- Earn 1 point per $1 spent on all other purchases.
- No foreign transaction fees.
- 2X points per dollar spent on eligible purchases from:
- Southwest Airlines
- Rapid Rewards Hotel and Car Rental Partners
- 1X point per dollar spent on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
- Min. credit levelGood
- Annual Fee$99
- Regular APR15.99% - 22.99% Variable
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
- 6,000 bonus points after your Cardmember anniversary each year.
- Earn 2 points per $1 spent on Southwest® purchases.
- Earn 1 point per $1 spent on all other purchases.
- All points earned count towards Companion Pass®.
- No foreign transaction fees.
- No blackout dates or seat restrictions.
- Your points never expire, a benefit of the Rapid Rewards® program.
- 2X points per dollar spent on eligible purchases from:
- Southwest Airlines
- Rapid Rewards Hotel and Car Rental Partners
- 1X point per dollar spent on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
- Min. credit levelGood
- Annual Fee$69
- Regular APR15.99% - 22.99% Variable
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
- 3,000 bonus points after your Cardmember anniversary each year.
- Earn 2 points per $1 spent on Southwest® purchases.
- Earn 1 point per $1 spent on all other purchases.
- All points earned count towards Companion Pass®.
- No blackout dates or seat restrictions.
- Your points never expire, a benefit of the Rapid Rewards® program.
- 2X points per dollar spent on eligible purchases from:
- Southwest Airlines
- Rapid Rewards Hotel and Car Rental Partners
- 1X point per dollar spent on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $38
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
United Airlines
- Min. credit levelGood
- Annual Fee$95
- Regular APR16.49% to 23.49% Variable
- Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10,000 bonus miles after you spend $6,000 in the first 6 months.
- $0 introductory annual fee for the first year, then $95
- Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
- Up to $100 Global Entry or TSA PreCheck® fee Credit
- 25% back on United inflight purchases
- Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
- Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
- Earn 2 miles per $1 spent on dining and eligible delivery services
- 2X United miles per dollar spent:
- With United Airlines
- On hotel accommodations made directly with the hotel
- At restaurants
- 1X United mile per dollar spent on other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR16.49% to 23.49% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $39
- Additional Cards Annual Fee$0
- Foreign Transaction Fee$0
- Min. credit levelExcellent
- Annual Fee$525
- Regular APR16.49% - 23.49% Variable
- Earn 75,000 Bonus Miles.
- Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry or TSA PreCheck® fee credit
- Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Card.
- 4X miles per dollar spent on United purchases
- 2X miles per dollar spent for:
- Restaurants
- Travel
- 1X mile per dollar spent on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR16.49% - 23.49% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual Fee$0
- Foreign Transaction Fee$0
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 credit card (Review). 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:
- Chase Sapphire Preferred® Card (Review)
- Chase Sapphire Reserve® (Review)
- British Airways Visa Signature® Card (Review)
- Aer Lingus Visa Signature® Card
- Iberia Visa Signature® Card
- World of Hyatt Credit Card (Review)
- Marriott Bonvoy Boundless™ Credit Card (Review)
- Marriott Bonvoy Bold™ Credit Card
- Southwest Rapid Rewards® Priority Credit Card (Review)
- Southwest Rapid Rewards® Premier Credit Card (Review)
- Southwest Rapid Rewards® Plus Credit Card (Review)
- United℠ Explorer Card (Review)
- United Club℠ Infinite Card (Review)
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.
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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