Chase Credit Cards

We found 36 Chase credit cards. Read on to get more insights.

By Hanna Volkava
Updated December 01, 2024

Best Credit Cards in December 2024

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Chase Freedom Flexâ„  best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flexâ„ 
Annual fee:
$0
Regular APR:
20.49% - 29.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    20.49% - 29.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 20.49% - 29.24% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

  • Pros:
    • $150 and 5% Cash Back sign-up bonuses
    • High cash back rewards on quarterly rotating bonus categories
    • Decent cash back rewards on select spending categories
    • 0% intro APR on purchases
    • No annual fee
  • Cons:
    • Foreign transaction fee
    • Rotating spending categories require activation
    • No intro APR on balance transfers
  • Benefits:
    • $200 Bonus;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
20.49% - 29.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    20.49% - 29.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (20.49% to 29.24% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

  • Pros:
    • No Annual Fee
    • Generous rewards
    • 0% intro APR
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual fee:
$95 annually
Regular APR:
22.49% - 29.49% Variable
Our Rating:
4.22
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    22.49% - 29.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

    The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 22.49% to 29.49%.

    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • Excellent sign-up bonus
    • No foreign transaction fees
    • 25% more redemption value
    • Unique “My Chase Plan” offer
    • Great Referral Program
  • Cons:
    • There is an annual fee
    • Steep penalty APR of 29.99%
    • No 0% intro APR offer
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve®
Annual fee:
$550 annually ($75 for each authorized user)
Regular APR:
22.49% - 29.49% Variable
Our Rating:
3.86
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x 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®.
  • Balance Transfer APR:
    22.49% - 29.49% Variable
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® Credit Card is very straightforward.

    The card’s variable APR is 22.49% to 29.49%.

    The Chase Sapphire Reserve® has a $550 annual fee.

    New cardmembers can 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®.

    The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 5x total points on flights (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually), 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out.

    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

  • Pros:
    • Generous signup offer
    • Annual $300 travel credit
    • High travel and dining rewards
    • Transfer points to loyalty programs
    • Increase point value by 50%
  • Cons:
    • Typically requires excellent credit
    • High annual fee
  • Benefits:
    • 60,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

Chase World of Hyatt best for Hotel

World of Hyatt Chase
Annual fee:
$95 annually
Regular APR:
21.49% - 28.49% Variable
Our Rating:
3
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 9x Points for Hyatt stays.
    • 2x Points for dining out.
    • 2x Points for flights.
    • 2x Points for gym memberships.
    • 2x Points for getting around.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 30,000x Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.
    • 30,000x 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.
    • 2x Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening.
  • Balance Transfer APR:
    21.49% - 28.49% Variable
  • Issuer name:
    Chase
  • Details:

    The World of Hyatt card offers a comprehensive rewards structure. The card has an annual fee of $95.

    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. You'll also get 4x World of Hyatt points per dollar from the card and 5x points from your automatic Discoverist membership, for a total of 9x on eligible purchases at Hyatt.

    The card’s APR is a variable 21.49% - 28.49%.

    The World of Hyatt card offers additional benefits, like travel and purchase coverage, no foreign transaction fees.

  • Pros:
    • No foreign transaction fees
    • High-value rewards
    • Free night every anniversary year
    • Solid shopping and travel protections
    • Automatic elite status
  • Cons:
    • Annual Fee
    • Extra Fees
    • High regular APR
    • No intro APR offer
    • No worthwhile redemption options aside from Hyatt properties
  • Benefits:
    • Up to 60,000 Bonus Points;
    • A 10% bonus on points earned on eligible room rates and incidental charges;
    • Premium in-room internet;
    • 2pm late check-out upon request where available;
    • 5 qualifying night credits;
    • 2 additional qualifying night credits;
    • One free night each card anniversary year at a Category 1-4 Hyatt hotel or resort;
    • An additional free night at a Category 1-4 Hyatt hotel or resort after spending $15,000 in an anniversary year;
    • Automatic elite status;
    • Concierge Service;
    • Trip Cancellation/Trip Interruption Insurance;
    • Trip Delay Reimbursement;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Baggage Delay Insurance;
    • Auto Rental Collision Damage Waiver.
Card detail
Chase Amazon Rewards Visa Signature
Annual fee:
$0
Regular APR:
19.49% - 27.49% Variable
Our Rating:
3.65
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Back at Amazon.com.
    • 3% Back at Whole Foods Market.
    • 2% Back at restaurants, gas stations, and drugstores.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $100 Amazon Gift Card instantly upon approval.
  • Balance Transfer APR:
    19.49% - 27.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Amazon Rewards Visa Signature Credit Card doesn't charge an annual fee.

    Get an Amazon.com gift card upon account approval. The Card earns 3% Back at Amazon.com, 3% Back at Whole Foods Market, 2% Back at restaurants, gas stations, drugstores and 1% Back on all other purchases.

    The APR for purchases is 19.49% - 27.49% (Variable).

  • Pros:
    • Rewards program
    • No Annual Fee
    • No foreign transaction fees
    • Amazon and Whole Foods discounts
    • Sign-up bonus
    • Decent credit limit
  • Cons:
    • Fair credit score required
    • Limited rewards categories
    • High balance transfer and purchase APR
  • Benefits:
    • $100 Amazon Gift Card instantly upon approval;
    • 3% Back at Amazon.com;
    • 3% Back at Whole Foods Market;
    • 2% Back at restaurants, gas stations, and drugstores;
    • 1% Back on all other purchases.
Card detail
Chase Iberia Visa Signature®
Annual fee:
$95 annually
Regular APR:
21.49% - 28.49% Variable
Our Rating:
3.89
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Avios for every $1 spent on Iberia, British Airways, and Aer Lingus flight purchases.
    • 2x Avios for every $1 spent on hotel accommodations booked directly with the hotel.
    • 1x Avios for every $1 spent on all other purchases.
  • Intro Offer:
    • 75,000x Avios after you spend $5,000 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    21.49% - 28.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Iberia Visa Signature® Credit Card earns 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening. The Card offers 3 Avios for every $1 spent on flight purchases with Iberia, British Airways, and Aer Lingus. The Card offers 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel.

    This card has an annual fee of $95. The APR for purchases and balance transfers is 21.49% to 28.49% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
    • High APR
  • Benefits:
    • 75,000 Avios;
    • 3 Avios for every $1 spent on Iberia, British Airways, and Aer Lingus flight purchases;
    • 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel;
    • 1 Avios for every $1 spent on all other purchases;
    • $1,000 Airfare Discount Voucher each calendar year;
    • 10% discount on airfare;
    • Baggage Delay Insurance;
    • Lost Luggage Reimbursement;
    • Extended Warranty Protection.
Card detail
Chase Aer Lingus Visa Signature®
Annual fee:
$95 annually
Regular APR:
21.49% - 28.49% Variable
Our Rating:
3.89
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Avios for every $1 spent on Aer Lingus, British Airways, and Iberia flight purchases.
    • 2x Avios for every $1 spent on hotel accommodations booked directly with the hotel.
    • 1x Avios for every $1 spent on all other purchases.
  • Intro Offer:
    • 85,000x Avios after you spend $5,000 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    21.49% - 28.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Aer Lingus Visa Signature® Credit Card earns 85,000 Avios after you spend $5,000 on purchases within the first three months.

    The Card offers 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, 2 Avios per $1 spent on hotel accommodations (when purchased directly with the hotel) and 1 Avios per $1 spent on all other purchases.

    The Card's annual fee is $95. The APR for purchases and balance transfers is 21.49% - 28.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
    • Penalty APR
  • Benefits:
    • 85,000 Avios after you spend $5,000 on purchases within the first three months;
    • 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia;
    • 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel;
    • 1 Avios per $1 spent on all other purchases;
    • Commercial Airline Companion Ticket each year;
    • Priority Boarding for you and any authorized users;
    • Baggage Delay Insurance;
    • Lost Luggage Reimbursement;
    • Extended Warranty Protection.
Card detail
Chase Unitedâ„  Business
Annual fee:
$0 intro fee for the first year
$99 thereafter
Regular APR:
21.99% - 28.99% Variable
Our Rating:
3.72
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on United Airlines purchases.
    • 2x Miles per $1 spent on dining, including eligible delivery services.
    • 2x Miles per $1 spent at gas stations, office supply stores, and on local transit and commuting.
    • 1x Mile per $1 spent on all other purchases.
  • Intro Offer:
    • 75,000x Bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Balance Transfer APR:
    21.99% - 28.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Unitedâ„  Business Credit Card earns 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open. The Card offers 2x miles on United Airlines purchases, 2x miles on dining, including eligible delivery services, 2x miles at gas stations, office supply stores, and on local transit and 1x mile on all other purchases.

    The card has an introductory annual fee of $0 for the first year, then $99. The APR for purchases and balance transfers is 21.99% - 28.99% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • High APR
    • Annual Fee
  • Benefits:
    • 75,000 bonus miles;
    • 2x miles on United Airlines purchases;
    • 2x miles per $1 spent on dining, including eligible delivery services;
    • 2x miles per $1 spent at gas stations, office supply stores, and on local transit and commuting;
    • 1x mile per $1 spent on all other purchases;
    • Employee cards at no additional cost;
    • Visa Concierge;
    • Extended Warranty Protection.
Card detail
Chase Disney® Visa®
Annual fee:
$0
Regular APR:
19.24% - 28.24% Variable
Our Rating:
4.5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% On select purchases at shopDisney.com when you use your Card.
    • 1% Back in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn.
  • Intro Offer:
    • $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first six months
  • Balance Transfer APR:
    19.24% - 28.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Disney® Visa® Credit Card earns 10% on select Disney purchases at Disney store and shopDisney.com. Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts. Plus, earn 1% in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn.

    The Disney® Visa® Card doesn't charge an annual fee.

    Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
    • No Intro APR period on balance transfers
  • Benefits:
    • $150 Statement Credit (after you spend $500 on purchases in the first 3 months from account opening);
    • 10% on select Disney purchases at Disney store and shopDisney.com;
    • 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts;
    • 1% in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn;
    • Baggage Delay Insurance;
    • Extended Warranty Protection.
Card detail

Chase credit cards pros and cons

Pros

  • Wide choice of credit cards. From basic no-annual-fee cashback rewards cards to cards for business owners, to co-branded cards, to premium travel cards.
  • Great variety of co-branded cards. Chase partners with Amazon, United, Southwest, Marriott, Starbucks, among others.
  • Sign-up bonuses. Chase offers great sign-up bonuses for its credit cards. The best one is for Chase Sapphire Preferred. 100 000 bonus points worth $1,250 if redeemed for travel through Chase Ultimate Rewards for just $4,000 in purchases in the first 3 months from card opening.
  • Referral program. You can get an extra bonus for referring friends. The bonus amount depends on the type of the card. Usually, you can refer no more than 5 friends a year.
  • Chase Ultimate Rewards Portal. Use the Portal to redeem the points you have earned with your card for cash back, experiences, travel, merchandise, gift cards, etc. You can even combine the points from different cards to maximize their value.
  • Good choice of partner programs. Chase has a great variety of hotel and airlines partners for point transfers with eligible credit cards. It includes domestic and international airlines (United, Emirates, etc.) and world-known hotel chains Marriott Bonvoy, Hyatt, etc.

Cons

  • Good to Excellent credit score required. Chase requires at least a Good credit score to be approved for most of its cards.
  • High APR. For most Chase cards, APR starts from around 14.99% (for not co-branded personal credit card), which is high considering it's the lowest possible, and you should have at least a Good credit score to be approved. Some cards that require an Excellent credit score come with the lowest APR at 16.99% ( e.g., Sapphire Reserve).

How to Choose the Right Chase Credit Card?

Sometimes, choosing the best credit card from a specific credit card issuer can be challenging. Considering Chase, there are three steps that can help you.

First and foremost, you need to check your current credit score. It varies from "Poor” to “Excellent”, and the higher your score is, the better Chase credit card offers and terms are available to you.

Then, you need to understand why you want a Chase credit card and determine the most important features your potential credit card should have. If you want a credit card to improve your credit score, look for those with long grace period and no annual fee. If your goal is to avoid spending money on interest, Chase credit cards with the lowest interest and long intro offer are your best choice. If you need a credit card that will provide you cash rewards, pay attention to the rewards program offered by Chase.

Finally, you should compare the Chase credit cards you think are the best for you, but considering all the features. In general, the best credit card has the following characteristics: near-zero interest rate, no fees, high credit limit, and numerous rewards and sign-up bonuses. You can easily compare Chase credit cards in the table below.

Side-by-Side Comparison of Chase Credit Cards

Card Name APR Annual fee Rewards Intro offer
Freedom Unlimited® 20.49% - 29.24% Variable $0
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Sapphire Preferred® 22.49% - 29.49% Variable $95
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Sapphire Reserve® 22.49% - 29.49% Variable $550
  • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
  • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
  • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
  • 1x Point per dollar spent on all other purchases.
  • 60,000x 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®.
  • Freedom Flexâ„  20.49% - 29.24% Variable $0
  • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1% Cash Back on all other purchases.
  • $200 Bonus after you spend $500 on purchases in the first 3 months from account opening.
  • World of Hyatt 21.49% - 28.49% Variable $95
  • 9x Points for Hyatt stays.
  • 2x Points for dining out.
  • 2x Points for flights.
  • 2x Points for gym memberships.
  • 2x Points for getting around.
  • 1x Points on all other purchases.
  • 30,000x Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.
  • 30,000x 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.
  • 2x Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening.
  • Ink Business Cash® 18.49% - 24.49% Variable $0
  • 5% Cash Back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • 2% Cash Back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% Cash Back on all other purchases.
  • $750 Earn $350 when you spend $3,000 on purchases in the first 3 months and earn an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
  • Ink Business Preferred® 21.24% - 26.24% Variable $95
  • 3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
  • 1x Point per $1 on all other purchases.
  • 120,000x Bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That's $1,000 Cash Back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
  • Amazon Prime Rewards Visa Signature 20.49% - 29.24% Variable $0
  • 5% Cash Back at Amazon.com and Whole Foods Market with an eligible Prime membership.
  • 2% Cash Back at restaurants, gas stations and drugstores.
  • 1% Cash Back on all other purchases.
  • $100 Amazon Gift Card instantly upon approval.
  • Unitedâ„  Explorer 21.99% - 28.99% Variable $95
  • 2x Miles on United purchases, dining and hotel stays.
  • 1x Mile per $1 spent on all other purchases.
  • 50,000x Bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • Ink Business Unlimited® 18.49% - 24.49% Variable $0
  • 1.5% Cash Back rewards on every purchase made for business.
  • $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months from account opening.
  • Freedom® Student 18.74% Variable $0
  • 1% Cash Back on all purchases.
  • $50 Bonus after first purchase made within the first 3 months from account opening.
  • Southwest Rapid Rewards® Priority 21.49% - 28.49% Variable $149
  • 3x Points on Southwest Airlines® purchases.
  • 2x Points per $1 spent on local transit and commuting, including rideshare.
  • 2x Points per $1 spent on internet, cable, phone services, and select streaming.
  • 1x Point per $1 spent on all other purchases.
  • 50,000x Bonus points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Southwest Rapid Rewards® Performance Business 21.49% - 28.49% Variable $199
  • 4x Points for every $1 you spend on Southwest Airlines® purchases.
  • 3x Points per $1 spent on Rapid Rewards hotel and car rental partner purchases.
  • 2x Points for every $1 you spend on local transit and commuting, including rideshare services.
  • 2x Points for every $1 you spend on social media and search engine advertising, internet, cable, and phone services.
  • 1x Point for every dollar you spend on all other purchases.
  • 80,000x Earn 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening.
  • 40,000x Additional points when you spend $15,000 in 9 months.
  • Southwest Rapid Rewards® Plus 21.49% - 28.49% Variable $69
  • 2x Points for every $1 you spend on Southwest Airlines® purchases.
  • 2x Points per $1 spent on local transit and commuting, including rideshare.
  • 2x Points per $1 spent on internet, cable, phone services, and select streaming.
  • 1x Point per $1 spent on all other purchases.
  • 50,000x Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Marriott Bonvoy Boundless™ 21.49% - 28.49% Variable $95
  • 17x Earn up to 17x total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2x Points for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
  • 150,000x Earn 3 Free Nights Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening.
  • 10x Points on up to $2,500 in combined purchases at gas stations, grocery stores, and restaurants within your first 6 months from your account opening with Marriott Bonvoy Boundless™ credit card.
  • British Airways Visa Signature® 21.49% - 28.49% Variable $95
  • 3x Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases.
  • 2x Avios for every $1 spent on hotel accommodations booked directly with the hotel.
  • 1x Avios for every $1 spent on all other purchases.
  • 75,000x Avios after you spend $5,000 on purchases within the first 3 months of account opening.
  • The IHG® Rewards Club Premier 21.49% - 28.49% Variable $99
  • 26x Points per dollar at IHG hotels and resorts.
  • 5x Total points on travel, dining, and at gas stations.
  • 3x Points on all other purchases.
  • 140,000x Points when you spend $3,000 within the first three months.
  • United Clubâ„  Infinite 21.99% - 28.99% Variable $525
  • 4x Miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
  • 2x Miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
  • 2x Miles per $1 spent on dining including eligible delivery services.
  • 1x Mile per $1 spent on all other purchases.
  • 80,000x Bonus Miles after you spend $5,000 on purchases in the first 3 months from account opening.
  • Marriott Bonvoy Bold® 21.49% - 28.49% Variable $0
  • 14x 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.
  • 60,000x Bonus points after you spend $2,000 on purchases in your first 3 months from account opening.
  • United Questâ„  21.99% - 28.99% Variable $250
  • 3x Miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit.
  • 2x Miles per $1 spent on all other travel, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
  • 2x Miles per $1 spent on dining, including eligible delivery services.
  • 2x Miles per $1 spent on select streaming services.
  • 1x Mile per $1 spent on all other purchases.
  • 60,000x Bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
  • United Gatewayâ„  21.99% - 28.99% Variable $0
  • 2x Miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges and other United purchases.
  • 2x Miles per $1 spent at gas stations.
  • 2x Miles per $1 spent on local transit and commuting, including ride share services, taxicabs, train tickets, tolls, and mass transit.
  • 20,000x Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
  • IHG® Rewards Traveler 21.49% - 28.49% Variable $0
  • 10,000x Bonus points after spending $10,000 on purchases and making one additional purchase each calendar year.
  • 17x Points at IHG® Hotels and Resorts.
  • 3x Points on dining, utilities, select streaming services, and at gas stations.
  • 2x Points per $1 spent on all other purchases.
  • 100,000x Bonus points after you spend $2,000 on purchases in the first 3 months from account opening.
  • Iberia Visa Signature® 21.49% - 28.49% Variable $95
  • 3x Avios for every $1 spent on Iberia, British Airways, and Aer Lingus flight purchases.
  • 2x Avios for every $1 spent on hotel accommodations booked directly with the hotel.
  • 1x Avios for every $1 spent on all other purchases.
  • 75,000x Avios after you spend $5,000 on purchases within the first 3 months of account opening.
  • Disney® Visa® 19.24% - 28.24% Variable $0
  • 10% On select purchases at shopDisney.com when you use your Card.
  • 1% Back in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn.
  • $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • IHG® Rewards Premier Business 21.49% - 28.49% Variable $99
  • $100 Statement credit after you spend $20,000 on purchases and make one additional purchase each calendar year.
  • 10,000x Bonus points after you spend $20,000 on purchases and make one additional purchase each calendar year.
  • 26x Total points at IHG® Hotels and Resorts.
  • 5x Total points on travel, dining, select business, and at gas stations.
  • 3x Points per $1 spent on all other purchases.
  • 140,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Aeroplan® 21.74% - 28.74% Variable $95
  • 3x Points for each dollar spent on grocery stores.
  • 3x Points for each dollar spent on dining at restaurants including takeout and eligible delivery services.
  • 3x Points for each dollar spent with Air Canada directly.
  • 1x Points for each dollar spent on all other purchases.
  • 70,000x Bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
  • Unitedâ„  Business 21.99% - 28.99% Variable $99
  • 2x Miles on United Airlines purchases.
  • 2x Miles per $1 spent on dining, including eligible delivery services.
  • 2x Miles per $1 spent at gas stations, office supply stores, and on local transit and commuting.
  • 1x Mile per $1 spent on all other purchases.
  • 75,000x Bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Starbucks® Rewards Visa® 17.49% - 24.49% Variable $49
  • 3x Stars per $1 you spend at Starbucks stores.
  • 1x Star per $2 you spend at grocery stores, on local transit and commuting, and on internet, cable and phone services.
  • 1x Star per $4 you spend outside of Starbucks stores.
  • No current offer.
  • Aer Lingus Visa Signature® 21.49% - 28.49% Variable $95
  • 3x Avios for every $1 spent on Aer Lingus, British Airways, and Iberia flight purchases.
  • 2x Avios for every $1 spent on hotel accommodations booked directly with the hotel.
  • 1x Avios for every $1 spent on all other purchases.
  • 85,000x Avios after you spend $5,000 on purchases within the first 3 months of account opening.
  • Amazon Rewards Visa Signature 19.49% - 27.49% Variable $0
  • 3% Back at Amazon.com.
  • 3% Back at Whole Foods Market.
  • 2% Back at restaurants, gas stations, and drugstores.
  • 1% Back on all other purchases.
  • $100 Amazon Gift Card instantly upon approval.
  • Southwest Rapid Rewards® Premier 21.49% - 28.49% Variable $99
  • 3x Points for each dollar spent on Southwest purchases.
  • 2x Points for each dollar spent on Rapid Rewards hotel and car rental partners.
  • 2x Points for each dollar spent on local transit and commuting, including rideshare.
  • 2x Points for each dollar spent on internet, cable, phone services, and select streaming.
  • 1x Point for each dollar spent on all other purchases.
  • 85,000x Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Southwest Rapid Rewards® Premier Business 21.49% - 28.49% Variable $99
  • 3x Points per $1 spent on Southwest Airlines® purchases.
  • 2x Points per $1 spent on Rapid Rewards hotel and car rental partner purchases.
  • 2x Points per $1 spent on local transit and commuting, including rideshare services.
  • 1x Point per $1 spent on everyday purchases.
  • 60,000x Bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
  • Slate Edgeâ„  20.49% - 29.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Disney® Premier Visa® 19.24% - 28.24% Variable $49
  • 10% On select purchases at shopDisney.com when you use your Disney Premier Visa Card.
  • 5% Back in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com.
  • 2% Back in Disney Rewards Dollars on card purchases at grocery stores, restaurants, gas stations and most Disney locations.
  • 1% Back on all other purchases.
  • $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.
  • World of Hyatt Business 21.49% - 28.49% Variable $199
  • 9x Up to 9 total Points per $1 spent at Hyatt Hotels.
  • 2x Points per $1 spent in your top three spend categories each quarter.
  • 2x Points per $1 spent on fitness club and gym memberships.
  • 1x Point per $1 spent on all other purchases.
  • 60,000x Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • Instacart Mastercard® 20.24% - 28.99% Variable $0
  • 5% Cash Back on Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities.
  • 5% Cash Back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more.
  • 2% Cash Back at restaurants, gas stations, and on select streaming services.
  • 1% Cash Back on all other purchases.
  • $50 Instacart credit. Credit will be automatically loaded into your Instacart.com account upon the approval of your credit card application.
  • Ink Business Premierâ„  19.49% - 27.49% Variable $195
  • 5% Cash Back on Lyft rides through March 2025.
  • 2.5% Cash Back on every purchase of $5,000 or more. That’s $250 on a purchase of $10,000 when redeemed.
  • 2% Cash Back on all other business purchases.
  • $1,000 Bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening.
  • Conclusion

    Chase has a range of credit cards with numerous options, yet it’s better to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us