Best Chase Credit Cards
WalletHub makes it easy to find the best Chase credit card for you
The best Chase credit card offers are some of the best overall cards available to people with good credit or better who want top-notch rewards, 0% APR promotions, and annual fees as low as $0.... show more
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7 Best Chase Credit Cards of May 2024
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- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
- $95 Annual fee
- 1 point per $1 base earn rate
- High rewards rate
- 50,000 points initial rewards bonus
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
- High Annual Fee
- High APR
- No membership fees
- High rewards rate
- 80,000 points initial rewards bonus
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 50,000 miles initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 80,000 miles initial rewards bonus
- No foreign fee
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- No membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- No annual card fee
- High rewards rate
- Free Dash Pass for a year
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 140,000 points initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Our picks for the best Chase cards of 2024
Chase Sapphire Preferred® Card
Why We Like It: The Chase Sapphire Preferred® Card is the best Chase credit card for travel rewards. For starters, it offers an amazing initial bonus to new cardholders who spend at least $4,000 within 3 months of opening an account: 60,000 points, worth $750 in travel booked through Chase Travel.
Chase Sapphire Preferred also gives 1 - 5 points per $1 in rewards on purchases. Specifically, cardholders earn 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases.
What We Don’t Like: There is a $95 annual membership fee.
Who Should Get It: Apply for Chase Sapphire Preferred if you have Good credit or better, you like to travel, and you will be able to comfortably afford the spending requirement for the initial bonus.
Alternatives to Consider: If you’re a big-spender who loves to travel, Chase Sapphire Reserve® is an attractive option. Alternatively, the Capital One Venture Rewards Credit Card offers elite travel rewards at a modest price.
Chase Freedom Unlimited®
Why We Like It: Chase Freedom Unlimited® is the best Chase credit card overall because it has a $0 annual fee and rewards cardholders with 1.5 - 5% cash back on purchases.
In addition to the rewards, Freedom Unlimited offers introductory APRs of 0% for 15 months on purchases and balance transfers. It’s one of the most well-rounded credit cards on the market right now.
What We Don’t Like: The regular APR that takes effect when the intro rate expires can be pretty high.
Who Should Get It: Apply for Chase Freedom Unlimited® if its bonus rewards categories and introductory financing promotions suit your spending and payment habits. You also need a 700+ credit score for good approval odds.
Alternatives to Consider: The Wells Fargo Active Cash® Card is another great all-around option, offering 2% cash rewards on all purchases along with a $0 annual fee and a low introductory APR.
Chase Sapphire Reserve®
Why We Like It: Chase Sapphire Reserve® is the best Chase credit card for frequent travelers who want to earn luxury travel rewards and benefits. It offers an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months, worth $900 in travel through Chase.
Chase Sapphire Reserve also gives a $300 travel credit each year and rewards cardholders with 1 - 10 points per $1 spent on purchases. Cardholders get access to 1,300+ airport lounges, too.
What We Don’t Like: Chase Sapphire Reserve has a $550 annual fee and high regular APR.
Who Should Get It: Apply for Chase Sapphire Reserve if you have Excellent credit, you can easily qualify for the initial bonus, and you travel frequently.
Alternatives to Consider: If you’re a big-spender who loves to travel, U.S. Bank Altitude Reserve Visa Infinite® Card is an attractive option.
Chase Freedom Flex℠
Why We Like It: Chase Freedom Flex℠ is the best Chase credit card for ongoing rewards of up to 5% cash back. It gives 5% back on travel purchased through Chase and 5% back on up to $1,500 spent per quarter in bonus categories that change.
Other types of purchases produce 1% to 3% cash back with Chase Freedom Flex, which also has a $0 annual fee. The card has an introductory APR offer of 0% for 15 months, too.
What We Don’t Like: This card’s regular APR can be pretty high. Plus, you have to sign up for new bonus categories each quarter if you want to maximize your rewards.
Who Should Get It: Consider applying for Chase Freedom Flex℠ if you’re comfortable booking travel through Chase Travel and activating new 5% bonus categories four times per year. You also need Good credit or better.
Alternatives to Consider: Chase Freedom Unlimited® has easier-to-manage rewards. The Bank of America® Customized Cash Rewards credit card lets you pick your top bonus rewards category.
Chase Freedom Rise℠
Why We Like It: The Chase Freedom Rise℠ is the best Chase credit card for beginners because it accepts applicants with limited credit history, has a $0 annual fee, and gives rewards of 1.5% cash back on all purchases on all purchases.
What We Don’t Like: Carrying a balance from month to month will result in expensive interest charges, so it’s a good idea to pay your bill in full monthly.
Who Should Get It: Consider applying for the Chase Freedom Rise℠ if you’re a student with limited credit experience and you want to save money while you build credit.
Alternatives to Consider: You should compare the Chase Freedom Rise℠ to the rest of the best credit cards for people with no credit to find the right fit.
Ink Business Cash® Credit Card
Why We Like It: The Ink Business Cash® Credit Card is one of the best Chase credit cards for business because it offers a $350 initial bonus, along with up to 5% on purchases normally. To get that initial bonus, new cardholders must spend $3,000 within 3 months of opening an account.
Chase Ink Cash also has a $0 annual fee. It even offers an introductory APR of 0% for 12 months.
What We Don’t Like: This card’s ongoing bonus rewards are limited to office supply stores, gas stations, restaurants, and internet/cable/phone service. Plus, its regular APR isn’t exactly low, at 18.49% - 24.49% (V) depending on your overall creditworthiness.
Who Should Get It: Consider applying for Ink Cash if you have Good credit or better personally and your company’s spending matches up well with the card’s bonus rewards categories.
Alternatives to Consider: The Ink Business Preferred® Credit Card is a great option for small business owners who would prefer travel rewards.
For your convenience, we’ll summarize WalletHub’s editors’ picks for the best Chase credit cards below.
Best Chase Credit Cards Comparison
Credit Card | Best For | Annual Fee | Min. Credit Needed |
Chase Sapphire Preferred® Card | Winner | $95 | Good |
Chase Sapphire Reserve® | Best for Frequent Travelers | $550 | Excellent |
Chase Freedom Unlimited® | Low APR and Rewards | $0 | Good |
Chase Freedom Flex℠ | Up to 5% Cash Back | $0 | Good |
Chase Freedom Rise℠ | Beginners | $0 | Limited History |
Ink Business Cash® Credit Card | Cash Rewards for Business | $0 | Good |
Ink Business Preferred® Credit Card | Business Travel | $95 | Good |
The first step in finding the best Chase credit card for your needs is to figure out how you’re going to use it. If you plan to make everyday purchases with your new card and then pay for them in full every month, focus on finding a rewards card that suits your lifestyle. Most people should opt for cash back, but frequent travelers may want to consider cards with points or miles, too. On the other hand, if you plan to carry a balance from month to month, you’ll want to find the cheapest combination of fees and interest rates possible.
Chase does not offer many credit cards to people with less-than-good credit, so you should also compare cards from other issuers if you don’t have at least good credit. And if you don’t know where your credit stands, you can check your latest credit score for free on WalletHub.
How we picked the best Chase credit cards
To identify the best Chase credit cards, WalletHub’s editors regularly compare all of the credit cards issued by Chase, including co-branded offers, in our database of 1,500+ credit card offers. We evaluate each card’s rewards, fees, interest rates, approval requirements and other key features in order to determine how well-suited each is to a range of common use cases. We then select the best overall Chase credit card offers across major categories based on expected cardholder savings.
The competition
People often compare the best Chase credit cards to the following offers. Check them out before you apply to make sure you get the best credit card for your needs.
annual fee$95 | annual fee$250 | annual fee$0 intro 1st yr, $95 after |
rewards rate
| rewards rate
| rewards rate
|
bonus offer Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel | bonus offer Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. | bonus offer Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. |
Purchase Intro APRN/A | Purchase Intro APRN/A | Purchase Intro APRN/A |
transfer intro aprN/A | transfer intro aprN/A | transfer intro aprN/A |
Regular APR19.99% - 29.99% (V) | Regular APRSee Pay Over Time APR | Regular APR21.99% - 28.99% (V) |
SponsoredApply Now | SponsoredApply Now | SponsoredApply Now |
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Chase Credit Cards FAQ
Comparing Chase credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Expert Opinions
- Is there a meaningful difference between a rewards card that offers cash back and one that offers points redeemable for cash back?
- Why would a major credit card company like Chase not offer cards to people with bad credit?
- Why do credit card companies often give cardholders more value when they redeem rewards for travel than when they redeem for cash back?
Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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