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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.
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.
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.
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.
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.
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.
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 offers several airline and hotel rewards cards with partner brands to help cardmembers earn travel rewards on purchases like airfare and hotel stays.
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).
Chase offers a set of features that come standard with their credit cards, including:
There are a few exceptions.
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.
Yes! Unsurprisingly, most are designed for frequent travelers.
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 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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