5 Best Chase Credit Cards

5 Best Chase Credit Cards

Although Chase is most well-known as a bank, they offer an enviable selection of credit cards. The best Chase credit card offerings include some of the best rewards credit cards on the market.

Some made especially for travel, some with large signup bonuses, and many with a great points program in Chase Ultimate Rewards.

Now:

If there's anything missing from Chase's extensive credit card offerings, it's the fact that there's no Chase student credit card and no Chase secured credit card (though there is a prepaid option). There actually used to be a Chase student credit card, but it's since been discontinued.

But if you are looking for the best Chase credit card you can find and you are not a student and your credit score is just fine, we have a pretty sweet list to choose from.

Chase's credit card portfolio seems to target a more experienced credit card user. If you are the type of person has been using credit cards for some time and you have responsibly building up their credit, you can get some tasty rewards if you choose the best Chase credit card for your own specific needs.

Here's the deal:

If you identify as a student or someone who has no/bad credit, consider the following guides to find a more suitable credit card for your situation:

Moving forward, while many of the cards on this list of the best Chase credit cards have an annual fee, most are justified when it comes to the bonuses offered by the card.

But there are options on this list that have no annual fee.

Plus, Chase is known for having one of the best rewards programs. Chase Ultimate Rewards is the portal at which many of Chase's credit card rewards are redeemed. You can use points to earn cash back, gift cards, and travel miles.

When redeemed through Chase Ultimate Rewards, points are worth extra: 1.25 cents per point, instead of 1 cent each.

Some Chase credit cards also participate in rotating bonus Chase Freedom categories for up to 5x rewards points on dining, gas, community, holiday gifts, and more.

What's the bottom line?

If you're ready to add some new plastic to your wallet, pick from the best Chase credit cards according to your unique needs and preferences: whether you're a frequent traveler, family shopper, or want to responsibly rack up tons of rewards.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated July 10, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Why trust us: Faveable has spent thousands of hours researching, interviewing experts, and testing products to come up with carefully selected lists trusted by millions of consumers since 2013.

5 Best Chase Credit Cards

  • 5. Chase Slate®
  • 4. Chase Freedom®
  • 3. Chase Freedom Unlimited®
  • 2. Chase Sapphire Reserve Credit Card
  • 1. Chase Sapphire Preferred®

Best for Balance Transfers

Chase Slate®

Best for Balance Transfers: Chase Slate®
Variable APR
16.24% - 24.99%
Cash Advance APR
26.24%
Bonus Offers
Save with a $0 introductory balance transfer fee and get 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your monthly FICO® Score for free.
Rewards Rate
n/a
Annual Fee
$0
Intro APR
0% on Purchases and Balance Transfers for 15 months
84 % Editor Score
82 % User Score
158 Clicks

Why People Love it

  • Take charge of your finances with a 0% APR on purchases and balance transfers for 15 months
  • $0 introductory balance transfer fee for the first 60 days
  • Keep everything under control with no penalty APR for late payments, and never pay an annual fee to use this card

  • No rewards offered
  • Not much value once the 0% APR promotion is over
  • Light on added benefits.
Expert Ratings

Application Process: You can fill it out online or by calling Chase for an immediate response. 

Annual Fee: None.

APR: A generous introductory 0% APR on purchases and balance transfers for 15 months. After that, a variable APR of 16.24% to 24.99%, depending on your creditworthiness.

Rewards: None.

Bonus Offers: None.

Details:Chase Slate® »

Best Promotional APR Credit Card for Cash Back Rewards

Chase Freedom®

Best Promotional APR Credit Card for Cash Back Rewards: Chase Freedom®
Variable APR
16.24% - 24.99%
Cash Advance APR
26.24%
Rewards Rate
1.5%
Annual Fee
$0
Intro APR
0% on purchases and balance transfers for 15 months
Bonus Offers
Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening.
85 % Editor Score
85 % User Score
273 Clicks

Why People Love it

  • Unlimited cash-back rewards for qualifying purchases
  • Promotional APR for 15 months on both purchases and balance transfers
  • No annual fee

  • Earn up to 5% cash back on everyday purchases
  • Offers a decent sign-up bonus
  • Charges a high balance transfer fee
  • The card's rewards program is somewhat complex
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate; unlimited 1% cash back on all other purchases.

Bonus Offers: Score a $150 Bonus after you spend $500 on purchases during your first 3 months as a cardholder. Get $25 more when an authorized user makes their first purchase in the same 3 month period.

Annual fee: None.

Details:Chase Freedom® »

Best Overall Cash Back Credit Card

Chase Freedom Unlimited®

Best Overall Cash Back Credit Card: Chase Freedom Unlimited®
Variable APR
16.24% - 24.99%
Cash Advance APR
26.24%
Rewards Rate
1.50%
Annual Fee
$0
Intro APR
0% on Purchases and Balance Transfers for 15 months
Bonus Offers
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
86 % Editor Score
82 % User Score
268 Clicks

Why People Love it

  • If you have more than one Chase credit card, you can earn more by transferring points and splitting your spending between the two cards
  • Freedom and flexibility: the flat 1.5% cash back rate isn't limited to a specific category
  • The bonus offers are easily attainable and include a $150 bonus after spending $500 within 3 months after opening. Plus, you'll earn a $25 bonus after you add an authorized user and make a purchase in the same period.

There's a lot to love about the Chase Freedom Unlimited cash back credit card. It provides a high rewards rate with no nonsense in terms of rotating spending categories - just a flat 1.5% back on every purchase you make with the card. With responsible use, you won't have to pay a penny to use this card, as there's no annual fee. 

As far as actually getting the cash back you've earned, there's no minimum required for redemption, and cash back earnings can be redeemed for any amount (unlike the Chase Freedom card, which requires a minimum $20). On top of that, there's a relatively small minimum spend required to earn the lucrative account opening bonus.

The Chase Freedom Unlimited card doesn't offer any specific bonus categories, due to its nature as a flat-rate cash back credit card. So those who know their high-spending categories (like groceries, for example) may want to opt instead for a cash back credit card that caters to their spending habits.

While going through this list, you'll also notice that it's not the highest flat-rate cash back card around. There's also a foreign transaction fee, so if you want a credit card specifically for international travel you should look into opening a credit card that caters specifically to travelers. 

Expert Ratings

Application Process: Online, over the phone, or at a branch. Online is the easiest method, but it's nice to know that you have options!

Annual Fee: No annual fee! How's that for maximizing the money in your pocket? Balance transfer fees are $5 or 5% of the transferred amount (whichever is greater).

APR: 0% for the first 15 months, then a variable APR of 16.24% to 24.99%. 

RewardsYou can redeem your rewards as cash back in the form of:

  • Bank account deposits
  • Statement credits

Or, you can also redeem rewards using the Chase Ultimate Rewards points. Ultimate Rewards points are worth 1 cent each and may be claimed through the Ultimate Rewards portal for:

  • General merchandise purchases made through the portal, or third-party retailers (such as Amazon)
  • Travel purchases 

Bonus Offers: Earn a $150 bonus after spending $500, within 3 months after opening a new account. Additionally, you can also earn $25 if you opt to add an authorized user of the card, and that person makes their first purchase within the 3 month period.

Details:Chase Freedom Unlimited® »

Best Overall Chase Credit Card

Chase Sapphire Reserve Credit Card

Best Overall Chase Credit Card: Chase Sapphire Reserve Credit Card
Variable APR
17.24% - 24.24%
Cash Advance APR
26.24%
Bonus Offers
Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rate
1 point per dollar
Annual Fee
$450
Intro APR
n/a
94 % Editor Score
88 % User Score
288 Clicks

Why People Love it

  • Frequent travelers and foodies earn 3x more points on related purchases
  • Earn an automatic $300 statement credit for travel purchases throughout the year (every year)
  • Get rewards on your rewards when redeemed through Chase Ultimate Rewards, which becomes up to 4.5% back according to Value Penguin

If you travel a lot, especially for business, the Chase Sapphire Reserve credit card may be your perfect fit. Automatically receive $300 in statement credits for travel purchases this year, in addition to access to over 1,000 travel lounges worldwide.

Even if you don't frequently travel, the Chase Sapphire Reserve card offers a great rewards program and high bonuses. No foreign transaction fees are the cherry on top of an excellent credit card option.

Even for the best of the best Chase credit cards, it can certainly be hard to justify the high annual fee and high spending required to get bonus rewards. While the Chase Sapphire Reserve is generous in the rewards it offers users, it’s only recommended for people that extensively travel, spend a lot on dining, and can earn enough rewards to balance out the hefty $450 annual fee.

Expert Ratings

Application Process: Online, using a similar form to apply for all of the best chase credit cards.

Annual Fee: A whopping $450, but check out the bonus offers to understand how this is justified.

RewardsGet 50% more value when you redeem rewards points through Chase Ultimate Rewards program. For example, 50,000 points are worth $750 on Chase Ultimate Rewards. Alternatively, you can redeem rewards points for statement credit, but at a 1 point to 1 cent ratio.

Bonus Offers: Here's where things get juicy. Though the credit card may seem hard to justify at $450/year, the bonuses are plentiful and include the ability to:

  • Earn 3x more points on travel and dining and 1 point per $1 spent on other purchases
  • Automatically receive $300 in statement credit for travel purchases charged to your card every year
  • Get up to $100 in application fee credit for TSA Pre-check or Global Entry
  • Elite travel benefits, like access to over 1,000 airport lounges worldwide
Details:Chase Sapphire Reserve Credit Card »

Best for Flexible Redemption

Chase Sapphire Preferred®

Best for Flexible Redemption: Chase Sapphire Preferred®
Variable APR
17.49% - 24.49%
Cash Advance APR
26.49%
Rewards Rate
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Annual Fee
$0 for the first year, then $95
Intro APR
n/a
Bonus Offers
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
86 % Editor Score
92 % User Score
379 Clicks

Why People Love it

  • Offers a large signup bonus compared to similar cards
  • You'll get a rewards boost if you use your points to book travel through Chase
  • Redeem points for airlines and hotels, without being tied to any specific companies

  • You can use points to book travel through Chase, get cash back or gift cards, or transfer them to one of Chase's travel partners
  • The card itself is metal instead of plastic
  • You'll get premium travel protections
  • Base rewards rate is mediocre
  • Charges an annual fee
Expert Ratings

Application Process: Online, through Chase.

Rewards: Earn 2X points on travel and dining purchases worldwide, and 1 point per dollar spent elsewhere.

Bonus Offers: Earn 50,000 rewards points for every $4,000 spent for the first three months, which is $625 towards travel when redeemed through the Chase Ultimate Rewards program. If you add an authorized user who makes a purchase within the first 3 months, you’ll earn an additional 5,000 points.

Annual Fee: $0 for the first year, then $95.

 

Details:Chase Sapphire Preferred® »

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Article Staff

Maddy Osman creates engaging content with SEO best practices for marketing thought leaders and agencies that have their hands full with clients and projects. Learn more about her process and experience on her website, www.The-Blogsmith.com and read her latest articles on Twitter: @MaddyOsman.

Editor Jenna Holtz
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