Chase is a massive bank with a diversified selection of products and services. Their business is broad, but a core focus for JPMorgan Chase has always been consumer credit products. They offer some fantastic credit cards, ranging from premium rewards cards to basic cards for students. Let’s take a look at the best Chase credit cards in the guide below!
Chase is actually the biggest bank in the US by assets. Their sheer size allows them to offer some of the best credit cards on the market. They have many different products, so to find the best Chase credit card for you, it’s important to consider the specific type of card you’re looking for.
We’ve broken this list down into categories, to help you find the best credit card from Chase that works for your needs and desires.
Best Chase Credit Card for Travel: Sapphire Reserve
Annual Fee: $450 (comes with significant perks)
Credit Needed: Excellent
Signup Bonus: 50,000 miles after spending $4,000 in 3 months (worth $750 towards travel)
Rewards: 3x points on travel and dining; 1x points on all other purchases
Perks: $300 annual travel credit, airport lounge access, travel & purchase protection, much more
The Chase Sapphire Reserve is a premium credit card, and without a doubt the best Chase card for travelers. First and foremost, let’s talk about that whoppin’ $450 annual fee…
Although the annual fee is high, the card comes with a $300 annual travel credit that’s good for any sort of travel – even just parking. Since you should be able to easily use this credit every year, it basically lowers the effective annual fee to about $150 a year. If you’re a frequent traveler, this card is a great money tool for international travel.
The card has a goldmine of perks for frequent travelers: airport lounge access via Priority Pass, 3x points on travel and dining worldwide, 50% bonus on travel redemption values, Global Entry fee credit, and MUCH more. Points on this card are quite valuable – worth a minimum of 1.5 cents per point when redeemed for travel. So, that 50,000 point signup bonus is equivalent to a $750 plane ticket – and the 3x points on travel and dining actually means more like 4.5% back in travel credits!
Note: If the high annual fee doesn’t make sense for your needs, the Chase Sapphire Preferred is still a great card, with a much more reasonable $95 fee.
Best Chase Credit Card for Cashback: Freedom Unlimited
Annual Fee: None
Credit Needed: Good
Signup Bonus: $150 after spending $500 in the first 3 months
Rewards: 1.5% cashback on all purchases
Perks: 0% intro APR for 15 months; purchase protection; extended warranty protection
The Chase Freedom Unlimited is the best cashback credit card from Chase. It’s a simple but great card and useful for an “everyday carry”. It has no annual fee and earns a flat 1.5% cashback on ALL purchases, with no cap. There’s even a $150 signup bonus, which is rare for a no-annual-fee card.
We ranked the Freedom Unlimited as one of the best no-fee credit cards for everyday use. It certainly doesn’t have as many bells and whistles as the premium Sapphire cards – but it also doesn’t have an annual fee!
Note: The original Chase Freedom is another good, similar option to consider.
Best Chase Credit Card for Low Credit: Slate
Annual Fee: None
Credit Needed: Average
Signup Bonus: None
Perks: 0% intro APR for 15 months; 0% balance transfer fee for first 60 days; free FICO score
The Chase Slate is a much easier card to get approved for than the others on this list. It’s also great for people with existing credit card debt who are looking to save money on interest, and/or simplify their finances.
When you sign up for Slate, you’ll get a 0% intro APR for the first 15 months. This applies to purchase and balance transfers. And for the first 60 days, you can transfer over balances from other credit cards for no fee – and still enjoy the 0% APR. So, if handled right, this card could save you some significant money on interest.
With that said, there’s no signup bonus, no cashback rewards, and no significant perks. Still, the initial low APR and relative ease of getting this card make it a solid choice. This is probably the best Chase credit card for students, as well, as they have no specific card targeted at students.
Things to Know About Chase Credit Cards
- If you have lots of credit cards, you should be aware of the Chase 5/24 rule before applying for a new card. The rule essentially states that you won’t be approved for a new Chase card if you have opened 5 or more credit cards in the last 24 months.
- Many Chase cards are somewhat difficult to get approved for if you don’t have great credit. If you get denied, find out what to do in this guide.
- Some of the best Chase credit cards have large minimum spending requirements – check here for easy ways to meet minimum spend.
- Chase has many other great credit cards that aren’t listed here – like the Marriott Premier Plus, United MileagePlus Explorer, and Ink Business Preferred, just to name a few! See all Chase credit cards right here.
What is YOUR favorite Chase credit card? Let us know in the comments!
Which is the best Chase credit card to get?
Best Chase Credit CardsChase Sapphire Preferred Card. Best Overall, Best Sign-Up Bonus, Best for Cost-Conscious Travelers.Chase Freedom Unlimited. Best for Cash-Back Rewards, Best With No Annual Fee, Best for Financing Large Purchases.Chase Sapphire Reserve. Best for Luxury Travelers.Ink Business Preferred. Best for Businesses.Chase Slate.
What is the best Chase credit card for beginners?
NerdWallet's Best Chase Credit Cards of 2019Chase Sapphire Preferred® Card: Best for Travel.Chase Sapphire Reserve®: Best for Premium travel perks.Chase Freedom®: Best for Cash back.Ink Business Unlimited℠ Credit Card: Best for Small-business cash back.Ink Business Preferred℠ Credit Card: Best for Small-business travel.
What credit cards are owned by Chase?
Business Credit Cards Offered By Chase1) Chase Ink Business Preferred.2) Chase Ink Business Cash.3) Chase Ink Business Unlimited.4) Southwest Rapid Rewards Premier Business Card.5) United Explorer Business Card.6) Marriott Rewards Premier Plus Business.7) Chase Freedom.8) Chase Freedom Unlimited.More items...•
Is a Chase credit card good?
In a Nutshell: A great cash back card for motivated rewards seekers, the Chase Freedom card is a good choice for everyday spending, but its hefty APR limits its appeal as a balance transfer card.
How do I activate my USAA card?
Online Activation: Log into your USAA online account and select the “Activate Card” link. Activate by Phone: To activate your USAA credit card by phone, call customer service at 201-531-8722. When the automated menu asks what you'd like to do, say, “activate my credit card.”
How do I activate my Visa credit card?
You can activate a Visa credit card by calling the number on the back of your card or through the issuer's website....WalletHub, Financial CompanyBy phone. Your credit card will often come with a sticker on it or an instruction sheet that lists the phone number of an activation line. ... Online. ... Through customer service.
How long does it take to get a USAA credit card in the mail?
When will I get my new USAA credit or debit card in the mail? It typically takes 7 to 10 business days to get your new card in the mail after we've mailed it.
How do I activate my credit card?
StepsFind the phone number. Like the website, the phone number to activate the credit card will likely be on the card. ... Have your information ready. ... Call the number. ... Complete the process. ... Take off the sticker, and sign the card.
Austin – why do you like the chase freedom unlimited over the chase freedom card?