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Best Chase Credit Cards

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by Sean Bryant | Updated Jun. 17, 2019

Overview of the Best Chase Credit Cards

Chase is one of the leading credit card issuers in the United States. The reason for this is because they have a card for everyone. If you want a card that offers hotel rewards, they have it. It you want a card that offers airline miles, they have it. If you want a card where your rewards can be transferred to many different loyalty programs, they have that too. In addition, they have several cards that offer new cardholders a generous bonus when signing up. Choosing a new credit card can be a difficult task. That is why we have done most of the work for you, and put together a list of the best Chase credit cards depending on what your needs might be. See More



Best Chase Credit Card for Travel

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  • Earn 60,000 points when you spend $4,000 in your first 3 months with the card. When redeemed for travel through Chase that equals $750!
  • Earn 2 points on travel and dining purchases around the world and 1 point per dollar on everything else
  • When redeeming points for travel such as airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards receive 25% more value

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

18.24% - 25.24% Variable

Benefits

If you are looking to add a new Chase credit card to your wallet, then it doesn’t get much better than Chase Sapphire Preferred Card. You will have the chance to earn 60,000 Chase Ultimate Rewards® bonus points after spending $4,000 within the first 3 months. When you use your card dining at restaurants or on travel purchases, you will receive 2x points. Any other purchases that you make will earn 1 point per dollar.

One of the major reasons why this card is so popular each year, is because of its flexibility. Some travel credit cards will limit how you can use the rewards you earn. Sometime you’re only able to use them on a single airline or hotel. With Chase Sapphire Preferred Card, you have choices.

You can choose to redeem your points for travel through the Ultimate Rewards® portal and receive a value of 1.25 cents per point. Alternatively, you can choose to transfer your points to one of several loyalty partners including, Southwest Airlines, Hyatt, United Airlines, and more. If you’d prefer to use the points for something other than travel, you can receive cash back or even use them to shop on Amazon.com.

Things to Consider

One of the big negatives with most reward cards that offer large signup bonuses, is that often times they have an annual fee. Chase Sapphire Preferred Card is no different, there is a $95 annual fee.

Verdict

Not only is Chase Sapphire Preferred Card one of the best travel credit cards available, but it’s also the best overall credit card from Chase. Combine the high signup bonus, ability to earn bonus rewards on purchases, and its flexibility, and it’s no wonder why this is such a sought after credit card.

Best Chase Credit Card for Cash Back

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  • If you spend $500 on purchases in your first three months from account opening, earn a $150 bonus
  • Earn 5% cash back in selected categories that change each quarter, up to $1,500 in combined purchases. Categories must be opted into each quarter to earn the 5%.
  • Earn 1% cash back on everything else
  • Receive 0% APR for 15 months on purchases and balance transfers, then an ongoing variable APR of 17.24%-25.99%.
  • Intro balance transfer fee of 3% during the first 60 days of account opening, minimum of $5.
  • Pay no annual fee
  • No minimum to redeem for cash back, plus rewards don't expire as long as your account is open and in good standing
  • Receive a free credit score, updated every week from Credit Journey

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months

Regular APR

17.24% - 25.99% Variable

Benefits

If you are looking to add a cash back card to your wallet, then you can’t get much better than earning 5% back. That’s exactly what you get from Chase Freedom. Each quarter, Chase will select different categories where you can earn 5% cash back, up to $1,500 per quarter. Any other purchase that you make, will earn 1% back.

You will also receive a $150 sign-up bonus when you sign up for Chase Freedom and spend $500 in the first 3 months.

Chase Freedom is also great for anyone looking for an introductory APR offer. For the first 15 months you will receive 0% APR on both purchases and balance transfers. Once the introductory period has ended the APR will change to 17.24% - 25.99% Variable.

Things to Consider

This card comes with no annual fee, which is pretty uncommon for a reward card. One thing that you need to watch out for is each quarter you will need to manually opt into each bonus category. If you don’t opt in, you will only receive the standard 1% cash back.

Verdict

For several years Chase Freedom has been a consumer favorite for earning cash back. Even though you are required to be proactive and opt into the bonus categories, the work is worth it for most.

Best Chase Credit Card for Balance Transfers

More Details

  • Intro balance transfer fee of $0 for the first 60 days. After that, the balance transfer fee is 5% of the amount transferred with a minimum of $5.
  • Receive 0% APR for 15 months on purchases and balance transfers. After that, an ongoing 17.24% - 25.99% variable APR.
  • Credit score free - updated every week with Credit Journey
  • Paying late won't raise your APR
  • No annual fee

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months

Regular APR

17.24% - 25.99% Variable

Benefits

If you are struggling with debt, applying for another credit card may not seem like the smartest move to you. In reality, it might be the best thing to help you get out of debt. That’s because a balance transfer card can help you cut the interest, and focus on paying off the balance.

The Chase Slate is one of the best balance transfer cards currently available. The biggest thing that sets it apart from other cards, is that it doesn’t charge a balance transfer fee. You just need to transfer the balance within the first 60 days of opening your account.

With the Chase Slate you will receive 0% APR for the first 15 months on both balance transfers and purchases. Once the introductory period is over, the APR will change to 17.24% - 25.99% Variable.

Things to Consider

The no annual fee Chase Slate usually requires an applicant to have good credit. This can be a problem for many people that are currently struggling with debt. Chase also has a couple of requirements on balance transfers. First, you can’t transfer a balance from another Chase credit card. Second, you can’t transfer a balance that is greater than $15,000, or higher than your credit limit.

Verdict

If you are looking to transfer a balance away from a high interest credit card, then Chase Slate is a great choice. There are other cards that offer a longer 0% introductory period, however very few offer a $0 balance transfer fee. Depending on the beginning balance, this could be a big savings.

Best Chase Credit Card for Airlines

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  • If you spend $3,000 on purchases in the first 3 months from account opening you’ll earn 50,000 bonus Avios
  • After you spend $20,000 on purchases within your first year of account opening, you’ll earn an additional 50,000 bonus Avios
  • You’ll earn a travel together ticket that is vaild for two years when you redeem Avios for a flight on British Airways every year that you make $30,000 in purchases on your card
  • When you travel abroad, pay no foreign transaction fee
  • Look for the contactless symbol at checkout to tap and pay with your British Airways Card. It's fast, easy and secure!

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

18.24% - 25.24% Variable

Benefits

If you are looking for a great airline credit card, then look no further than British Airways Visa Signature Card. This card offers incredible value to anyone who frequently flies British Airways or any of its partners.

Earn 4 Avios for every dollar spent on purchases within your first year up to $30,000. That’s up to 100,000 bonus Avios. Then when you use your card with British Airways purchases, you’ll receive 3 Avios per dollar spent. You will also receive 1 Avios per dollar when you use your card on any other purchase.

Each calendar year that you spend $30,000 or more with your British Airways Visa Signature Card, you will receive a Travel Together Ticket. That means you will be able to book a ticket for yourself using your Avios and bring along a companion for no charge. The best part is that your Travel Together Ticket can be in first class.

Things to Consider

British Airways Visa Signature Card has a $95 annual fee. You will also find that there are a lot of options when redeeming Avios for international travel, but not domestically. For flights within the United States the only two airlines that you can use Avios for are American Airlines and Alaska Airlines.

Verdict

British Airways Visa Signature Card is a great choice for travelers. You will receive the ability to earn a generous bonus within your first 3 months and can earn a Travel Together ticket, good for two years. You just need to be willing to pay an annual fee each year.

Best Chase Credit Card for Exclusive Perks

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  • Earn 50,000 points when you spend $4,000 in your first 3 months with the card. When redeemed for travel through Chase that equals $750!
  • MONEY® Magazine named the Sapphire Reserve a 'Best Premium Travel Credit Card for 2018'
  • $300 Annual Travel Credit each account anniversary year as reimbursement for travel purchases charged to your account
  • Earn 3 points on travel right after earning your $300 annual travel credit. Earn 3 points on dining at restaurants around the world & 1 point per dollar spent on everything else. No foreign transaction fees.
  • Points are worth 50% more when redeemed through Chase Ultimate Rewards for Travel
  • One to one point transfer to leading airline and hotel loyalty programs
  • Receive complimentary Priority Pass™ Select Membership to 1,000+ airport lounges after an easy one-time enrollment
  • Receive an application fee credit of up to $100 for either Global Entry or TSA PreCheck®

Annual Fee

$450

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

19.24% - 26.24% Variable

Benefits

If you are looking for a credit card that offers incredible perks, then it doesn’t get much better than the Chase Sapphire Reserve. You will earn 50,000 Ultimate Rewards® points after spending $4,000 in purchases in the first 3 months. When you redeem these points through Chase Ultimate Rewards®, they have a value of $750 – or potentially more if you transfer to its airline or hotel partners.

When you use your card on travel and on dining at restaurants, you will earn 3x points. Every other purchase will earn 1 point. When it’s time to redeem the points you have earned, you can do one of two things. You can redeem them through Chase Ultimate Rewards® for travel, merchandise or statement credits. You can also transfer them to one of several different partners, including United, Hyatt, Southwest Airlines and more.

The Chase Sapphire Reserve also comes with several travel perks. You will receive up to a $300 reimbursement in the form of a statement credit automatically each account anniversary year, for travel purchases charged to your card. You will also receive up to a $100 statement credit to cover the fee for Global Entry or TSA Precheck® application. You will also receive access to over 1,000+ airport lounges worldwide with a Priority Pass(tm) membership.

Things to Consider

Even though the perks are some of the most generous you will find, there is a high $450 annual fee. If you do a lot of traveling and will be able to take advantage of the $300 annual travel credit, then the annual fee is essentially reduced to $145.

Verdict

If you are a frequent traveler that can justify the high annual fee, then this is one of the best premium travel cards available. Its high sign-up bonus, bonus points on travel and at restaurants, plus all the other travel benefits, make this a great addition to your wallet.

Best Chase Credit Card for Small Businesses

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  • Earn 80,000 points when spending $5,000 in purchases in the first 3 months from account opening. If you redeem through Chase Ultimate Rewards towards travel, this would be equal to $1,000!
  • Earn 3 points per dollar spent on the first $150K in combined purchases in select categories each anniversary year
  • All other purchases earn one point per dollar with no limit to the amount you can earn
  • Receive 25% more points when redeeming for travel through the Chase Ultimate Rewards portal
  • Points can be redeemed for travel, cash back, gift cards and more - plus, your points don't expire as long as your account is open and in good standing
  • No foreign transaction fees if you need to travel overseas on business
  • Receive additional cards for your employees at no additional cost
  • A annual fee of $95 will apply

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

18.24% - 23.24% Variable

Benefits

If your business utilizes digital marketing efforts for growth, then Ink Business Preferred Credit Card is a must. With this card you will earn 3 points per $1 in the select rewards categories: shipping; advertising purchases made with social media sites and search engines; travel; internet, cable, and phone service. There is a $150,000 annual maximum on combined purchases for all bonus categories. All other purchases will earn the standard 1 point per $1.

In addition to earning Chase Ultimate Rewards® points on purchases, Ink Business Preferred Credit Card has a generous sign-up bonus. You will receive 80,000 Ultimate Rewards® points after you spend $5,000 within the first 3 months.

When you want to redeem the points you have earned, there are a few different ways to choose. If you want to use them for travel, you can do so through the Chase Ultimate Rewards® portal with a 25% bonus. You can also transfer them to one of many airline or hotel travel partners. If travel isn’t your thing, then your points can be redeemed for gift cards, cash back or to shop on Amazon.com.

Things to Consider

Each year you will pay an annual fee of $95. This can be well worth it depending on how much you use your card on business expenses. You will also be able to give each of your employees a card for no additional fee.

Verdict

Ink Business Preferred Credit Card is one of the best business cards available. Not only are you able to earn a large bonus within the first 3 months, but you will also receive bonus points for your business purchases.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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