Best Chase credit cards

Chase offers several credit cards that stand apart from the competition. You’ll find that Chase provides a selection of cards designed to meet your needs and reward your spending. 

We will take a closer look at what credit cards Chase has to offer. With a simple comparison and all the details you’d want to know, this guide can help you make a decision on which card is right for you. 

Let’s dive in!

Best Chase credit cards overview

In-depth analysis of the best Credit One Credit Cards

Chase Sapphire Preferred® Card

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Card features:

• Annual fee – $95.
• APR range – 18.99% - 25.99% Variable.
• 0% introductory APR – N/A.
• Sign-up bonus – Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That equates to $750 towards your travel spending with the Chase Ultimate Rewards®. 
• Rewards – Earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, plus 1x point per dollar spent on all other purchases.
• Other features – Get 25% more value when you redeem for travel through the Chase Ultimate Rewards®

Why the Chase Sapphire Preferred® Card is good for travel rewards

The Chase Sapphire Preferred® Card offers a good option for travelers that want to tap into valuable travel reward points. When getting started with travel rewards, the Chase Sapphire Preferred® Card stands out thanks to the outstanding sign-up bonus of 60,000 points after spending $4,000 in the first three months. 

You’ll find that the rewards points offered by this card offer great value and flexible options. Through Chase Ultimate Rewards®, you can redeem your points for travel reservations or transfer the points to an airline or hotel partner. 

Overall the card offers a solid option for anyone that likes to travel and wants to cut costs. 

How to use the Chase Sapphire Preferred® Card

In order to take full advantage of the Chase Sapphire Preferred® Card, you’ll need to consider your spending. The sign-up bonus is an exciting feature, but you’ll need to spend $4,000 within the first three months to claim the bonus. With that, you should take a look at your upcoming spending plans. Try to sign up for this card when you have a big expense on the horizon that you can pay for with this credit card. 

Once you accumulate points, take advantage of the Chase Ultimate Rewards® portal to maximize their value. The points are worth 25% more when you redeem them on the portal. With many amazing deals available, you should take advantage of this value boost. 

Why you might not want to consider the Chase Sapphire Preferred® Card

As you’ve likely noticed, the Chase Sapphire Preferred® Card comes with an annual fee of $95. Consider the value you stand to gain from the card. You’ll probably find that the potential value outweighs the inconvenience of the annual fee. But if your spending on this card will not generate enough value to cover the annual fee, you should consider other cards. 

See card details/apply or read our full review.

Chase Freedom Flex℠

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Card features:

• Annual fee – $0.
• APR range – 17.99% - 26.74% Variable.
• 0% introductory APR – 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months.
• Sign-up bonus – Earn a $200 cash back bonus after spending $500 on purchase in the first three months.
• Rewards – 5% cash back on travel purchased through Chase Ultimate Rewards®, 5% cash back (on up to $1,500 on combined purchases) on rotating bonus categories that you’ll need to activate each quarter, 3% cash back on dining and drugstores, and 1% cash back on all other purchases. 
• Other features – Cell phone protection of $1,000 per year for phones listed on your monthly cell phone bill when you pay your bill with the Chase Freedom Flex℠.  

Why the Chase Freedom Flex℠ is good for cash back bonus categories

A big draw of the Chase Freedom Flex℠ is the sign-up bonus of $200 cash back after spending $500 in the first three months. Beyond that, the Chase Freedom Flex℠ offers helpful bonus cash back categories each quarter. 

If you prefer cash back to travel rewards and don’t mind tailoring your spending to maximize your cash back opportunities, then the Chase Freedom Flex® is a good choice. 

How to use the Chase Freedom Flex℠

In order to get the most value out of this card, make sure to hit the minimum spending threshold of $500 in the first three months. That will secure your $200 cash back bonus.

Beyond that, monitor the quarterly bonus cash back opportunities. You’ll find many ways to maximize your cash back rewards – but it will require a little bit of planning ahead. 

Why you might not want to consider the Chase Freedom Flex℠

After looking at the cash back categories, if they don’t fit into your usual spending habits, you might decide that you could get more value from another card. Plus, keeping track of rotating cash back categories just isn’t for everyone. If you’re looking for a straightforward, simpler cash back, try another card on this list. 

See card details/apply or read our full review.

Chase Freedom Unlimited®

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Card features:

• Annual fee – $0.
• APR range – 17.99% - 26.74% Variable.
• 0% introductory APR – 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months.
• Intro Offer – Earn an additional 1.5% cash back on purchases (up to $20,000 in the first year) – worth up to $300 cash back!
• Rewards – 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores, and unlimited 1.5% cash back on all other purchases. 
• Other features – There is no minimum amount required to redeem cash back. 

Why the Chase Freedom Unlimited® is good for cash back on everyday spending

With an unlimited 1.5% cash back on all other purchases, the Chase Freedom Unlimited® offers a lucrative opportunity. 

You can use this card to enjoy cash back opportunities without the chore of researching rotating quarterly categories. Instead, you can spend on what you need to accomplish your everyday goals and enjoy the rewards in a low maintenance way. 

How to use the Chase Freedom Unlimited® 

You can get the most value out of this card by taking advantage of the intro offer to secure the $300 bonus. 

After that you’ll find that the Chase Freedom Unlimited® is a very low maintenance option. Simply spend on what you need and enjoy the 1.5% cash back rewards! And, if you travel frequently, you’ll love the additional 5% cash back that you can earn when you book through Chase Ultimate Rewards®.

Why you might not want to consider the Chase Freedom Unlimited®

You may want to look for a different card if you want to absolutely maximize your cash back rewards. The Chase Freedom Unlimited® is very low maintenance, but you’ll miss out on some of the cash back opportunities offered by other cards on this list. 

See card details/apply or read our full review.

Ink Business Preferred® Credit Card

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Card features:

• Annual fee – $95.
• APR range – 18.99% - 23.99% Variable.
• 0% introductory APR – N/A.
• Sign-up bonus – Earn 100,000 bonus points after spending $15,000 on purchase in the first three months. When redeemed for travel through Chase Ultimate Rewards®, the bonus is worth $1,250!
• Rewards – Earn 3x points per dollar (on the first $150,000 spent in combined purchases) spent on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. Earn 1x point for every dollar spent on all other purchases.
• Other features – With the Ink Business Preferred® Credit Card, you’ll pay no foreign transaction fee. Plus, you’ll have access to Fraud Protection, Purchase Protection, and personalized Account Alerts.

Why the Ink Business Preferred® Credit Card is good for travel rewards for business owners

When you look at the signup bonus, it is easy to see why the Ink Business Preferred® Credit Card is perfect for business owners that want to maximize their travel rewards. With the opportunity to earn over $1,000 in travel rewards within the first three months, this card kicks off your account with a bang. 

After that, you’ll be able to earn 3x points for every dollar spent on combined purchases on travel, internet and phone services, shipping purchases, and advertising purchases made with social media sites and search engines. Although these generous rewards are capped at the first $150,000 spent on these categories, you can find your rewards stacking up quickly. 

How to use the Ink Business Preferred® Credit Card 

Start off by snagging the generous signup bonus. After that, take the time to use your new credit card for your purchases in the most lucrative categories including travel, shipping purchases, and advertising purchases. 

When you are ready to redeem your points, take a look at the Chase Ultimate Rewards® portal. You can get the most value for your points by working through this channel. Luckily, you’ll find an ample selection of travel-related purchases available. 

Why you might not want to consider the Ink Business Preferred® Credit Card

If your business doesn’t spend too much on internet advertising or maintains trim spending habits, then you may not get as much out of this card. Consider whether you’ll be able to maximize your rewards based on the spending categories that your business uses often. 

See card details/apply or read our full review.

Ink Business Cash® Credit Card

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Card features:

• Annual fee – $0.
• APR range – 16.24% - 22.24% Variable.
• 0% introductory APR – 0% Intro APR on Purchases for 12 months.
• Sign-up bonus – Earn a $900 cash back bonus after spending $6,000 on purchase in the first three months.
• Rewards – 5% cash back on the first $25,000 spent in combined purchases for office supplies, internet, cable and phone services; 2% cash back on the first $25,000 spent in combined purchases for gas and restaurants; 1% cash back on all other card purchases without any limit.
• Other features – You can add employee cards at no additional cost. Plus, you’ll have access to Fraud Protection, Purchase Protection, personalized Account Alerts, and more.

Why the Ink Business Cash® Credit Card is good for cash back for business owners

The robust cash back offering can add up quickly if your small business does a fair amount of spending. Although the bonus offer is enticing, the other rewards present a worthwhile reward with a long-term outlook. 

You can add some padding to your bottom line with the help of the Ink Business Cash® Credit Card. 

How to use the Ink Business Cash® Credit Card

When you open the card, make sure that you are prepared to spend $6,000 within the first three months. That will allow you to take advantage of the sign-up bonus. 

After that, use the card for your business purchases strategically. The cash back can work to your advantage in popular spending categories. 

Why you might not want to consider the Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card offers plenty of cash back opportunities, but if you’re looking for a simple, one-tier rewards card to cover all of your business expenses, this won’t be the right card for your business. 

See card details/apply or read our full review.

Ink Business Unlimited® Credit Card

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Card features:

• Annual fee – $0.
• APR range – 16.24% - 22.24% Variable.
• 0% introductory APR – 0% Intro APR on Purchases for 12 Months.
• Sign-up bonus – Earn a $900 cash back bonus after spending $6,000 on purchase in the first three months.
• Rewards – 1.5% cash back on all purchases.
• Other features – You’ll get the perks of this business card, all with no annual fee. Plus, you can get employee cards at no additional cost. 

Why the Ink Business Unlimited® Credit Card is good for cash back for business owners that spend in a variety of categories

With the Ink Business Unlimited® Credit Card, business owners can enjoy generous rewards without worrying about different spending categories. Instead, all of your purchases made on the card will be rewarded in the same way – 1.5% for every dollar spent. And you won’t run into any reward limits with this card. 

How to use the Ink Business Unlimited® Credit Card

The best part about this card is that it is easy to get a lot of value. After scoring the sign-up bonus by spending $6,000 in the first three months, simply use your card for all business purchases. You’ll earn the same amount from every dollar spent without any changes due to particular categories. 

Why you might not want to consider the Ink Business Unlimited® Credit Card

If you spend a considerable amount as a business owner in categories that other business credit cards will reward you for handsomely, then you may want to go in that direction. 

For example, let’s say you spend an extensive amount on internet advertising on social media or search engines. With that, the Ink Business Preferred® Credit Card may be the better option thanks to a different rewards structure. Review your spending plans to determine which is the best option for you to maximize rewards. 

See card details/apply or read our full review.

Chase Freedom® Student credit card

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Card features:

• Annual fee – $0.
• APR range – 17.99% Variable.
• 0% introductory APR – N/A.
• Sign-up bonus – Earn a $50 cash back bonus with at least one purchase in the first three months.
• Rewards – 1% cash back on all purchases.
• Other features – Open to students with no credit history. You’ll also get a $20 annual reward for every year that your account is in good standing, up to five years.

Why the Chase Freedom® Student credit card is a good cash back card for students who spend in a variety of categories

What’s great about the Chase Freedom® Student credit card is that you get 1% cash back for all purchases. You don’t have to try to keep up with categories, just start spending and gathering rewards. There are also no reward limits and your rewards never expire.

How to use the Chase Freedom® Student credit card

If you don’t have a credit history, the Chase Freedom® Student credit card can be a big help. Just pay off your bill each month and you’ll start to build credit. Chase even lets you monitor your score through Credit Journey.

Why you might not want to consider the Chase Freedom® Student credit card

If you don’t have a credit history or you’re trying to boost your score, the Chase Freedom® Student credit card can help. But once your credit reaches 700 or above, you might want to look at one of Chase’s other cards. Although there’s no annual fee and the rewards are great, you can find lower interest rate ranges and better rewards with many of their other cards.

See card details/apply or read our full review.

Summary of the best Chase Credit Cards

Here is a table with a helpful summary to help you compare these top Chase credit cards. Find out which one is right for you:

Who is Chase?

JP Morgan Chase is the largest bank in the US with an asset base of $2.53 trillion and over 228,000 employees. The bank has a large footprint in the US economy and is known for offering some of the best credit cards on the market. 

In most cases, you’ll need a fair to excellent credit score in order to work with this bank. With their large presence, the bank can afford to be picky when selecting applicants for their credit cards. 

Should you consider Chase?

Chase offers some of the best rewards available to credit card users. Of course, there are steep APRs that will end up hurting many who use these credit cards. But with responsible credit usage, Chase offers high-value rewards that can help you to lower your total expenses. 

Summary

If you have a good credit score and want to take advantage of some of the best rewards on the market, then Chase offers an excellent opportunity. As you venture into the world of credit cards, make sure that you are able to manage your credit responsibly. Otherwise, the negative impact on your finances will not be worth the potential rewards.

Read more:

• Chase Freedom Unlimited® Review: $200 Cash Bonus Review