5 Best Chase Credit Cards

5 Best Chase Credit Cards

Best Overall Chase Credit Card
#1
Chase Sapphire Reserve Credit Card
  • Frequent travelers and fodies 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
Best for Cash Back
#2
Chase Freedom Credit Card
  • Easy to earn signup bonus that won't have you spending like crazy
  • "Great earning potential" according to The Simple Dollar. Earn 5x the rewards on rotating Chase freedom categories, and 1% on everything else
  • Big purchase coming up? Get 0% APR for the first 15 months to help spread out the cost into manageable, interest-free payments
Best Travel Credit Card (for United Patrons)
#3
Chase United MileagePlus Explorer Credit Card
  • Compared to many of the best Chase credit cards on this list, the Chase Mileage Plus card has one of the best and largest signup bonuses
  • Travel like a pro thanks to free airport lounge passes, a free checked bag, and no foreign transaction fees
  • Get rewarded as a frequent flier with United with 2x points on associated purchases
Best Miles Card For Budget Travelers
#4
Southwest Rapid Rewards Premier Credit Card
  • Earn during your entire vacation with 2x rewards points not just on airline bookings, but also on partner hotel and car rental expenses
  • Rack up enough points to earn a Companion Pass, which grants a travel partner free flights
  • Automatically earn 6,000 bonus points yearly, even if you don't spend a dime on the card

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.


Editorial staff

Quick Look: 5 Best Chase Credit Cards
Chase Slate®
  • 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
Check on Creditcards.chase
Southwest Rapid Rewards Premier Credit Card
  • Earn during your entire vacation with 2x rewards points not just on airline bookings, but also on partner hotel and car rental expenses
  • Rack up enough points to earn a Companion Pass, which grants a travel partner free flights
  • Automatically earn 6,000 bonus points yearly, even if you don't spend a dime on the card
Check on Creditcards.chase
Chase United MileagePlus Explorer Credit Card
  • Compared to many of the best Chase credit cards on this list, the Chase Mileage Plus card has one of the best and largest signup bonuses
  • Travel like a pro thanks to free airport lounge passes, a free checked bag, and no foreign transaction fees
  • Get rewarded as a frequent flier with United with 2x points on associated purchases
Check on Creditcards.chase
Chase Freedom Credit Card
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Chase Sapphire Reserve Credit Card
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5 Best Chase Credit Cards

5 Best Chase Credit Cards

Read Video Infographic Tips

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.


Editorial staff

Quick Look: 5 Best Chase Credit Cards
Chase Slate®
  • 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
Check on Creditcards.chase
Southwest Rapid Rewards Premier Credit Card
  • Earn during your entire vacation with 2x rewards points not just on airline bookings, but also on partner hotel and car rental expenses
  • Rack up enough points to earn a Companion Pass, which grants a travel partner free flights
  • Automatically earn 6,000 bonus points yearly, even if you don't spend a dime on the card
Check on Creditcards.chase
Chase United MileagePlus Explorer Credit Card
  • Compared to many of the best Chase credit cards on this list, the Chase Mileage Plus card has one of the best and largest signup bonuses
  • Travel like a pro thanks to free airport lounge passes, a free checked bag, and no foreign transaction fees
  • Get rewarded as a frequent flier with United with 2x points on associated purchases
Check on Creditcards.chase
Chase Freedom Credit Card
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Chase Sapphire Reserve Credit Card
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Best for Balance Transfers

Best for Balance Transfers: Chase Slate®
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    16.24% - 24.99%
  • Cash Advance APR
    26.24%
  • Rewards Rate
    n/a
  • Annual Fee
    $0
  • Intro APR
    0% on Purchases and Balance Transfers for 15 months
  • 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.

Pros

  • 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

Cons

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

Details

  • $0 introductory balance transfer fee for transfers made during the first 60 days of account opening.
  • 0% introductory APR for 15 months on purchases and balance transfers.
  • See monthly updates to your FICO score and the reasons behind your score for free.
  • No penalty APR on late payments.
  • $0 annual fee throughout the entire life of the card.

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.

Best Miles Card For Budget Travelers

Best Miles Card For Budget Travelers: Southwest Rapid Rewards Premier Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    17.24% - 24.24%
  • Cash Advance APR
    26.24%
  • Rewards Rate
    1 point per dollar
  • Annual Fee
    $99
  • Intro APR
    n/a
  • Bonus Offers
    Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open

Pros

  • Earn during your entire vacation with 2x rewards points not just on airline bookings, but also on partner hotel and car rental expenses
  • Rack up enough points to earn a Companion Pass, which grants a travel partner free flights
  • Automatically earn 6,000 bonus points yearly, even if you don't spend a dime on the card

Cons

Budget travelers and credit card hackers hate paying annual fees, and this one cannot be waived. As Southwest is notorious for domestic operations, there are limited international destinations to use rewards on. If you're more interested in international travel, consider Chase credit card options like the United MileagePlus Explorer card, also on this list.

Details

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more

Application Process: Online, just like the others on this list.

Annual Fee: $99, or mid-range for this list of the best Chase credit cards. Mile Cards mentions that the 6,000 yearly bonus points essentially pay for this fee.

APR: A variable rate between 16.99% and 23.99%.

Rewards: When you use the Chase Southwest credit card, you can flexibly redeem points for gift cards, flights, hotel stays, event access and more. What's truly unique to the card involves the fact that you can:

  • Earn 2x more points on every $1 spent on Southwest purchases and Rapid Rewards Hotel and Car Rental partner purchases, with 1 point per $1 spend on everything else. Southwest is affiliated with popular hotel chains like Hertz and Hyatt.
  • Earn a Companion Pass when you complete 100 one-way flights or earn 110,000 points in a year. This allows you to bring a guest along on all Southwest flights you book for free, valid for the remainder of the year you qualified and the entirety of the next year.

Bonus Offers: Signup and continued bonuses are very generous with the Chase Southwest credit card, including:

  • 40,000 points for a minimum spend of $1,000 within 3 months of opening the account (if you keep an eye out, you may be able to snag the 60,000 points for a minimum spend of $2,000 bonus--and keep in mind, these points do go towards companion pass earnings)
  • 6,000 bonus points on the cardmember anniversary, every year

Best Travel Credit Card (for United Patrons)

Best Travel Credit Card (for United Patrons): Chase United MileagePlus Explorer Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    17.24% - 24.24%
  • Cash Advance APR
    26.24%
  • Rewards Rate
    1 mile per dollar
  • Annual Fee
    $0 for the first year, then $95
  • Intro APR
    n/a
  • Bonus Offers
    Limited time offer - ends 3/15/18. Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Pros

  • Compared to many of the best Chase credit cards on this list, the Chase Mileage Plus card has one of the best and largest signup bonuses
  • Travel like a pro thanks to free airport lounge passes, a free checked bag, and no foreign transaction fees
  • Get rewarded as a frequent flier with United with 2x points on associated purchases

Cons

If you're not a frequent flier with United, you'll probably want to pass on this card because of the $95 annual fee. Also understand that when it comes to redeeming rewards, you're only limited to doing so for United flights and StarAlliance partners.

Details

  • Limited time offer - ends 3/15/18
  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • No foreign transaction fees
  • Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases
  • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn

Application Process: Online, more or less the same as the other cards on our list of the best Chase credit cards.

Annual Fee: $95, which is mid-range as far as annual fees go compared to other credit cards in this article.

APR: A variable rate between 16.99% and 23.99%.

Rewards: The rewards for United customers are expansive, with travel benefits that include:

  • Earning 2 miles per $1 spent on United tickets and 1 mile per $1 spent on other purchases
  • 2 free United Club passes each calendar year of card ownership
  • A free first checked bag
  • Priority boarding in group two

Bonus Offers: Earn 40,000 bonus miles when you spend at least $2,000 within 3 months of opening the account. Signing up for the Chase Mileage Plus card on a United flight often results in an even better bonus mile offer.

Best for Cash Back

Best for Cash Back: Chase Freedom Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    16.24% - 24.99%
  • Cash Advance APR
    26.24%
  • Rewards Rate
    1.0%
  • 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

Pros

  • Easy to earn signup bonus that won't have you spending like crazy
  • "Great earning potential" according to The Simple Dollar. Earn 5x the rewards on rotating Chase freedom categories, and 1% on everything else
  • Big purchase coming up? Get 0% APR for the first 15 months to help spread out the cost into manageable, interest-free payments

Cons

The main complaint of the Chase Freedom credit card has to do with the fact that you have to spend according to certain categories, whicht rotate each quarter, to achieve a maximized rewards rate. And in order to be eligible for these rewards, you need to first activate the Chase freedom categories.

Rewards take some time to rack up and benefit from, as the minimum rewards redemption for the Chase Freedom card is $20.

Basically, if you have the patience and time to maximize rewards, go for the Chase Freedom card. But, if you want a no-nonsense card, go for the Chase Freedom Unlimited card. It's similar to the Chase Freedom card, but instead, offers a flat-rate cashback reward rate that allows you to earn 1.5% cashback from all spending.

Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Application Process: Online; it's easy and straightforward.

Annual Fee: None of which to speak!

APR: A generous 0% for the first 15 months, then a variable APR of 15.74% to 24.49%. Additionally, balance transfer fees are $5 or 5% of the transferred amount (whichever is greater).

Rewards: When redeeming rewards for the Chase Freedom credit card, you have your choice of:

  • Bank account deposits
  • Statement credits/cash back
  • General merchandise purchases made through the portal or third-party retailers such as Amazon
  • Travel purchases

Ultimate Rewards points are worth 1 cent apiece and can be easily claimed through the Ultimate Rewards portal.

When it comes to earning rewards, 5x multipliers go into affect for various Chase freedom categories, depending on the quarter. Here's what this looked like for 2017:

  • Q1 (January - March): Gas stations and local commuter transportation
  • Q2 (April - June): Groceries and drug stores
  • Q3 (July - September): Restaurants and movie theatres
  • Q4 (October - December): Walmart and department stores

Bonus Offers: Earn a $150 bonus after spending $500 with 3 months after opening this Chase credit card. Additionally, you can earn $25 after you add your first authorized user and make your first purchase within that same 3 month period.

Best Overall Chase Credit Card

Best Overall Chase Credit Card: Chase Sapphire Reserve Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    17.24% - 24.24%
  • Cash Advance APR
    26.24%
  • Rewards Rate
    1 point per dollar
  • Annual Fee
    $450
  • Intro APR
    n/a
  • 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®

Pros

  • Frequent travelers and fodies 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

Cons

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 pay back the hefty $450 annual fee.

Details

  • 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select
  • Up to $100 application fee credit for Global Entry or TSA Pre?®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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.

APR: A variable rate between 16.49% and 23.49%

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 1000 airport lounges worldwide

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.

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