Best Chase Credit Cards of October 2020 - Top Offers

Best Chase Credit Cards of October 2020 - Top Offers

From popular airline and hotel cards to general travel and cashback cards, Chase has options to fit the needs of many types of cardholders.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It 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.

Chase offers a wide variety of personal and business credit cards that earn valuable cash back and rewards on everyday purchases. The bank has partnerships with popular airlines, hotels and other lifestyle brands, in addition to its own lineup of cards that earn Ultimate Rewards points. Not only do these Chase credit cards earn points, miles and cash back on every purchase — many of its cards provide additional benefits such as free checked bags, complimentary hotel nights and purchase protection.

We reviewed the current offers available through ValuePenguin and Chase to determine the Chase cards that give you the best value for rewards, interest rates and welcome bonuses.

Best Chase credit cards 2020

Recommended cardsBest forCredit needed
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® CardTravelExcellentApply Now
Chase Sapphire Reserve®
Chase Sapphire Reserve®Luxury travelExcellentApply Now
Chase Freedom Unlimited®
Chase Freedom Unlimited®Cash backExcellent/GoodApply Now
Chase Freedom Flex℠
Chase Freedom Flex℠Rotating categoriesExcellent/GoodApply Now
Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit CardBusinessExcellentApply Now
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit CardAirline milesExcellentApply Now
The World Of Hyatt Credit Card
The World Of Hyatt Credit CardHotelsExcellent/GoodApply Now

Chase credit card benefits | Types of Chase cards | Chase Ultimate Rewards | Chase application rules | How to apply | FAQs

Best Chase credit card for travel

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
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Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

Our thoughts

The Chase Sapphire Preferred® Card is one of the best travel credit cards we’ve reviewed. Not only does it earn unlimited Chase Ultimate Rewards® points, but it provides travel benefits and flexibility that any cardholder would love. Points can be cashed out at 1 cent each, but the real value comes when booking travel or transferring points. Its points are worth 25% more when booking travel, or they can be transferred to 13 airline and hotel partners on a 1:1 basis.

The card comes with a very valuable sign-up bonus, worth up to $1,000 when booking travel through the Chase travel portal. It also earns 2x points on dining and travel purchases. With the card’s 25% redemption bonus, you basically get 2.5% back your travel and dining purchases

Travel benefits include trip interruption insurance, baggage delay insurance and primary coverage on rental cars. Plus, there are no foreign transaction fees. There is an annual fee of $95, but the rewards and benefits can justify the fee for the travel-minded consumer.

Coronavirus updates. Until April 30, 2021, cardholders can use the “Pay Yourself Back” feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

Rewards

Cardholders earn additional points on travel and dining purchases worldwide that can be redeemed for cash, travel and more:

  • 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.
  • Receive cash back on purchases with a value of 1 cent per point.
  • Points are worth 25% more when booking travel through Chase.
  • Transfer points to 10 airline and three hotel partners on a 1:1 basis.
  • Earn 5x points per dollar on Lyft rides through March 2022.
  • Until April 30, 2021, cardholders can use the “Pay Yourself Back” feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

Benefits

The Chase Sapphire Preferred® Card provides many benefits that protect your travel and purchases:

  • Excellent travel protections, including trip cancellation and interruption insurance up to $10,000 per person, primary car rental insurance, baggage delay insurance up to $100 per day for five days and trip delay reimbursement up to $500 per ticket.
  • Purchase protection covers new purchases for 120 days up to $500 per claim.
  • Extended warranty protection adds an extra year of coverage on eligible items.
  • No foreign transaction fees saves up to 3% on your international purchases.
  • Complimentary DashPass membership for your first 12 months of card membership, including no delivery fees on orders over $12 reduces fees for one year.

Best Chase credit card for luxury

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 50,000 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 immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 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 Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
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Earn 50,000 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®.

Our thoughts

The Chase Sapphire Reserve® continues to be the best Chase luxury travel credit card because of the value that it provides to cardholders. Although it has an annual fee of $550, the benefits are worth far more for the frequent traveler. Plus, the annual travel credit of $300 reduces the net cost of this luxury credit card to $250. This credit can be used to cover flights, hotels and other travel expenses.

Chase Sapphire Reserve® cardmembers also receive a Priority Pass Select membership. This benefit allows the cardholder and authorized users complimentary access to visit over 1,300 airport lounges and restaurants — plus, you can bring two guests for free. The card also helps you get through airport security faster with up to $100 reimbursement for Global Entry or TSA Precheck application fees every four years. And even if you don't have elite hotel status, The Luxury Hotel & Resort Collection benefits make you feel like you do with complimentary daily breakfast for two, free room upgrades, early check-in and late check-out, as well as a unique welcome amenity.

Coronavirus updates. Chase has expanded the $300 travel credit to include grocery store and gas station purchases through the end of 2020. Until April 30, 2021, cardholders can use the “Pay Yourself Back” feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

Rewards

Cardholders earn valuable Chase Ultimate Rewards points on every purchase and bonus points on select categories:

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
  • 5x points per dollar at gas stations (up to $1,500) through September 2020.
  • 10x points per dollar on select streaming charges (up to $1,500) through September 2020.
  • 10x points per dollar on Lyft rides through March 2022.
  • Until April 30, 2021, cardholders can use the “Pay Yourself Back” feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.
  • Receive cash back on purchases with value of 1 cent per point.
  • Points are worth 50% more when booking travel through Chase.
  • Transfer points to ten airline and three hotel partners on a 1:1 basis.

Benefits

The Chase Sapphire Reserve® luxury travel card includes an abundance of perks for the frequent traveler:

  • $300 annual travel credit that is automatically applied to eligible travel purchases.
  • Up to $100 Global Entry or TSA Precheck credit every four years.
  • Complimentary access to over 1,300 airport lounges with Priority Pass Select.
  • No foreign transaction fees
  • Complimentary Lyft Pink membership for one year, entitling you to savings and special offers on Lyft.
  • Up to $120 in DoorDash statement credits through December 2021 along with a complimentary DashPass membership for one year.
  • Excellent travel protections, including trip cancellation and interruption insurance up to $10,000 per person, primary rental car insurance, lost luggage reimbursement up to $3,000 per passenger, trip delay reimbursement up to $500 per ticket and emergency evacuation and transportation up to $100,000.
  • Purchase protection for 120 days against damage or theft up to $10,000 per claim.
  • Return protection for 90 days up to $500 per item.
  • Extended warranty adds one year to eligible manufacturer warranties.

Best Chase credit card for cashback

Chase Freedom Unlimited®

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
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Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Our thoughts

The Chase Freedom Unlimited® lets you Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. Plus, you'll earn 5% cash back on up to $12,000 in grocery store purchases during the first year. This card comes with a flat rate, and there are no rotating categories to remember or register for. This is a solid cashback credit card to use for everyday spending when your other cards do not earn bonus rewards.

Although this card is advertised as a cashback credit card, you'll actually earn Chase Ultimate Rewards points. These points can be redeemed for one cent each for cash back, gift cards or travel.

The Chase Freedom Unlimited® also offers a 0% Intro APR for 15 months on purchases. After the intro period, your rate will revert back to the standard APR of 14.99% - 23.74% Variable.

Rewards

Cardholders earn Chase Ultimate Rewards on every purchase plus a grocery store bonus during the first 12 months:

  • Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
  • 5% cash back on up to $12,000 in grocery store purchases during the first year.
  • Coronavirus updates. Starting Oct. 1, 2020, cardholders can use the “Pay Yourself Back” feature to get 1.25 cents per point redeemed for statement credits on donations to eligible charities.
  • Rewards can be combined with other Ultimate Rewards points for a potentially higher value.

Benefits

The Chase Freedom Unlimited® includes additional perks that many other no-annual-fee credit cards don’t offer:

  • Purchase protection covers new purchases for up to 120 days.
  • Eligible manufacturer warranties are extended by one year.
  • 0% Intro APR for 15 months(14.99% - 23.74% Variable APR thereafter).
  • **$0 annual fee

Best Chase credit card with rotating categories

Chase Freedom Flex℠

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent/Good

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
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Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Our thoughts

The Chase Freedom Flex℠ card offers one of the highest cashback opportunities of any credit card. During the first 12 months, you could earn up to $1,100 combined from the welcome bonus, grocery store promotion and rotating quarterly categories.

Cardholders Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. The quarterly 5% cash back applies to the first $1,500 spent on rotating categories every quarter. During Q3 2020, the promotional categories are Amazon.com and Whole Foods Market. However, in order to earn these lucrative rewards, you need to activate the promotion by the deadline each quarter. If you max out the quarterly 5% categories, you can earn as much as $300 per year from your Chase Freedom Flex℠ card on quarterly category purchases alone.

Chase Freedom Flex℠ 2020 calendar

January - MarchApril - JuneJuly - SeptemberOctober - December
Gas stations, internet, cable, phone services and select streaming servicesGrocery Stores, fitness clubs and gym memberships, select streaming servicesAmazon.com and Whole FoodsWalmart and PayPal

Additionally, cardholders earn 5% cash back on the first $12,000 spent at grocery stores during the first year, which is worth up to $600. Plus, Lyft rides earn 5% cash back through March 2022, which is helpful when you’re on the go. Cardholders also receive a complimentary three-month subscription to DoorDash's DashPash, which saves money on delivery fees.

All of your other purchases earn 1% cash back. And if you're short on cash, there is an intro APR of 0% for 15 months on purchases (14.99% - 23.74% Variable thereafter). All of these benefits combine to offer tremendous value without having to pay an annual fee.

Rewards

The Chase Freedom Flex℠ credit card offers several opportunities to earn cash back rewards:

  • Quarterly rotating 5% categories (on first $1,500 spent).
  • Earn 3% on dining and drugstore purchases.
  • Earn 5% on grocery store purchases during the first year (up to $12,000 in purchases).
  • Lyft rides earn 5% cash back.
  • Coronavirus updates. Starting Oct. 1, 2020, cardholders can use the “Pay Yourself Back” feature to get 1.25 cents per point redeemed for statement credits on donations to eligible charities.
  • Rewards can be combined with other Ultimate Rewards points for a potentially higher value.

Benefits

In addition to cash back rewards, Chase Freedom Flex℠ cardholders also receive these perks:

  • Purchase protection up to $500 per claim for 120 days against theft or damage.
  • Extended warranty protection for an additional year on eligible manufacturer warranties.
  • 0% Intro APR on Purchases for 15 months (14.99% - 23.74% Variable APR thereafter).
  • Complimentary three-month DoorDash DashPass membership.
  • World of Elite Mastercard Benefits including cellphone protection with up to $1,000 in yearly coverage (up to $800 per claim, with two per year) that covers theft and damage. Other perks include monthly Lyft credits, access to World Elite Concierge and more.
  • $0 annual fee.

Best Chase credit card for business

Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
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Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Our thoughts

The Chase Ink Business Preferred℠ Credit Card is an ideal choice for business owners. Not only does it provide a substantial sign-up bonus, but it also earns bonus points on categories where many of today’s businesses spend the most. You’ll earn 3x Ultimate Rewards points on the first $150,000 you spend on travel, shipping purchases, internet, cable and phone services and online advertising.

The spending requirement for the sign-up bonus is large, so be sure that your business can charge this much in three months. Points are valued at 1 cent each for cash back, but are worth an extra 25% when booking travel through Chase, which means your bonus is worth at least $1,250 in travel. Like the Chase travel cards on this list, the points can also be transferred to 13 hotel and airline partners to get even more value out of them.

Business travelers can save money on international purchases because there aren’t foreign transaction fees. The card also includes trip cancellation and interruption insurance, primary rental car collision coverage, purchase protection and cell phone protection. The annual fee for the Chase Ink Business Preferred℠ Credit Card is $95.

Coronavirus updates. From Oct. 1 to Dec. 31, 2020, cardholders can use the “Pay Yourself Back” feature to get 1.25 cents per point redeemed for statement credits on select online advertising and shipping expenses or donations to eligible charities. Additionally, Chase Ink Business Preferred cardholders will earn 5 points on shipping and select advertising purchases made on social media and search engines up to $10,000 spent until Oct. 31, 2020.

Rewards

Entrepreneurs can turn their business expenses into rewards with the Chase Ink Business Preferred℠ Credit Card:

  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
  • Points are worth 25% more when booking travel through Chase.
  • Transfer points on a 1:1 basis to 13 airline and hotel partners.

Benefits

The Chase Ink Business Preferred℠ Credit Card comes with useful benefits for small business owners:

  • Good travel protections, including trip cancellation and interruption insurance up to $5,000 per person and primary rental car insurance.
  • Cell phone protection up to $600 per claim with $100 deductible.
  • Purchase protection for 120 days against theft or damage up to $10,000 per claim.
  • Extends warranties on manufacturer warranties by one year.
  • No foreign transaction fees.
  • Employee cards at no additional cost.

Best Chase credit card for miles

Southwest Rapid Rewards® Priority Credit Card

  • On Chase's Secure Website

$149

15.99% - 22.99% Variable

Excellent

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 7,500 bonus points after your Cardmember anniversary each year.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.
  • 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 and your points never expire.
  • No foreign transaction fees.
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Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

Our thoughts

The Southwest Rapid Rewards® Priority Credit Card is the premium Southwest Airlines credit card that’s packed with perks to justify its $149 annual fee. Each year, you'll receive four upgraded boarding passes, a $75 Southwest annual travel credit and 7,500 Rapid Rewards points annually on your card membership anniversary. In addition to the card’s sign-up bonus, you'll earn double points on your Southwest purchases — not the most rewarding earning scheme compared to other cards on this list, but it can pay off for frequent flyers of Southwest Airlines. Plus, points earned with this card (including the sign-up bonus) count toward the Southwest Companion Pass, which allows your designated companion to fly free with you on any Southwest flight. Additionally, you can earn 1,500 tier qualifying points for every $10,000 spent, up to 15,000 A-List tier qualifying points (for $100,000 spent) each year toward elite status.

Rewards

Cardholders earn a modest bonus on their purchases with Southwest and its partners:

  • 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.

Benefits

The benefits of the Southwest Rapid Rewards® Priority Credit Card far outweigh the annual fee:

  • Four Upgraded Boardings per year (worth up to $50 each).
  • $75 Southwest annual travel credit.
  • 7,500 anniversary points earned upon renewal.
  • 20% back on in-flight drinks and WiFi.
  • Points count toward the Southwest Companion Pass.
  • Earn up to 15,000 A-List tier qualifying points per year.
  • No foreign transaction fees.

Best Chase credit card for hotels

The World Of Hyatt Credit Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
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Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.

Our thoughts

The World Of Hyatt Credit Card turns every purchase into more free nights. Not only do cardholders earn points on their spending, but they also receive one free Category 1-4 night each year on their anniversary. Plus, when you spend $15,000 during your cardmember anniversary year, you'll earn a second free Category 1-4 night. Just the free night alone makes this card a no-brainer for travelers who love Hyatt.

New cardholders can also earn a generous sign-up bonus based on their spending. With free nights starting at 5,000 points, the bonus alone is worth up to 10 free nights at Category 1 hotels.

The card includes automatic World of Hyatt Discoverist elite status, plus five qualifying night credits every year toward earning a higher tier. For every $5,000 spent on the card, you'll receive an additional two qualifying night credits with no cap.

Rewards

World of Hyatt cardholders can earn both points, free nights and elite status based on their spending:

  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member.

Benefits

Cardholders receive additional perks that improve their stays at Hyatt hotels:

  • Automatic World of Hyatt Discoverist status.
  • Five qualifying night credits each year.
  • One free category 1-4 hotel night each year.
  • Extra free category 1-4 hotel night each year if you spend $15,000 on your card.
  • Good travel protections, including baggage delay insurance, lost luggage reimbursement and trip cancellation and interruption insurance.
  • Complimentary Visa Concierge service.
  • No foreign transaction fees.

Compare Chase credit cards

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Chase credit card benefits

The value of holding a Chase credit card doesn't end with the rewards that it earns. In addition to valuable points, miles and cash back, each credit card offers a unique set of benefits that adds to its value. Here is a sample of the benefits that your Chase credit card may offer.

Travel insurance

Chase travel credit cards, including the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, offer some of the best travel protections available from any issuer. Insurance on these cards includes up to $10,000 in trip interruption/cancellation insurance each year.

Credit card travel insurance benefits and amount coverage varies by card, so verify your card's benefits before you travel. Here's a sample of protections available on some popular Chase credit cards:

CardRental car insuranceLuggage ProtectionTrip Interruption InsuranceAnnual fee
Chase Sapphire Reserve®PrimaryUp to $3,000 per passenger for lost luggageUp to $10,000 per person and $20,000 per trip$550
Chase Sapphire Preferred® CardPrimary$100 a day for 5 days for baggage delayUp to $10,000 per person and $20,000 per trip$95
Chase Freedom Flex℠SecondaryN/aUp to $1,500 per person and $6,000 per trip$0
United Club℠ Infinite CardPrimaryUp to $3,000 per passenger for lost luggageUp to $10,000 per person and $20,000 per trip$0 for the first year, then $525
United℠ Explorer CardPrimary$100 a day for 3 days for baggage delay, up to $3,000 per passenger for lost luggageUp to $1,500 per person and $6,000 per trip$0 Intro for the First Year, then $95
Southwest Rapid Rewards® Premier Credit CardSecondary$100 a day for 3 days for baggage delay, up to $3,000 per passenger for lost luggageN/a$99
The World Of Hyatt Credit CardSecondary$100 a day for 5 days for baggage delay, up to $3,000 per passenger for lost luggageUp to $5,000 per trip$95
Disney Premier Visa® Credit CardNone$100 a day for 3 days for baggage delayN/a$49

Auto Rental Collision Damage Waiver

Several Chase credit cards provide complimentary rental car protection. The auto rental collision damage waiver covers the car from theft or damage; however, it does not cover damage to other vehicles or bodily injury. To activate this benefit, decline the coverage offered by the rental car company and pay with your eligible Chase credit card.

There are two types of rental car protection — primary and secondary. Secondary protection pays after your personal auto insurance handles the claim, while primary protection covers the vehicle without involving your insurance policy. The Chase Sapphire Reserve®, Chase Sapphire Preferred® Card and Ink Business Preferred℠ Credit Card all offer primary rental car protection.

Purchase protection

Chase credit cards often come with credit card purchase protection. This means that eligible purchases you make with a Chase credit card are covered in case of theft, damage or accidental loss for up to 120 days after you buy them. There is a maximum of $500 per claim and this benefit offers up to $50,000 in total coverage for your purchases.

Keep in mind that not all purchases are eligible for coverage. Items such as antiques and collectibles, motorized vehicles and computer software are among the items not covered.

Extended warranty protection

Retailers often try to sell you an extended warranty during checkout. Just say no and pay with your eligible Chase credit card. With credit card extended warranty protection, you’ll automatically receive an additional year of protection of up to $10,000 per claim (maximum of $50,000 per account.)

This coverage is for eligible items with a manufacturer’s warranty of three years or less. Examples of excluded items are motorized vehicles, items purchased for resale, used or pre-owned items and computer software.

No foreign transaction fees

Chase travel credit cards include waived foreign transaction fees. Banks often charge up to 3% for converting a transaction into U.S. dollars. When you pay with a Chase travel credit card, you do not pay these fees on your purchases.

Types of Chase credit cards

Different customers have different needs, so Chase credit cards offer a variety of rewards, benefits and annual fees to meet those needs. It’s rare for one credit card to offer everything a customer wants, but Chase customers have multiple credit cards , which to combine benefits and maximize their rewards.

Cashback credit cards

Cashback credit cards earn cash back on all of your purchases. This eliminates the need to learn complicated reward programs and provides maximum flexibility for how you’ll use your rewards. Examples of Chase cashback credit cards are:

Travel rewards credit cards

Many of the most popular airline and hotel loyalty programs have partnered with Chase, so members can earn additional rewards when spending at their favorite brands. These travel rewards credit cards often include extra perks like free checked bags, priority boarding and a free hotel night every year. On the other hand, for consumers who aren't loyal to a particular brand, Chase also offers general travel credit cards.

Chase’s travel credit cards include:

Business credit cards

Small business owners use credit cards to track expenses, earn rewards and give themselves extra time to pay for purchases. Chase offers several small business credit cards, such as:

Chase Ultimate Rewards

Experienced travelers know that flexibility is key when booking travel using points and miles. Chase Ultimate Rewards gives cardholders the option to redeem points for cash, book travel reservations or transfer to airline and hotel partners.

Different cards within the Ultimate Rewards lineup cater to specific audiences and reward them with higher earning power where they spend the most. This allows cardholders to maximize how many points they earn to increase their rewards balance.

Which Chase cards earn Ultimate Rewards points?

There are currently seven Chase Ultimate Rewards credit cards for consumers and small business owners. They range from budget-friendly no-annual-fee cards to luxury travel cards with a premium annual fee.

Redemption options

Ultimate Rewards points are popular because of their flexible redemption options. You continue earning these points on your everyday purchases, even as you adjust your redemption strategy based on what's important to you at that time.

Your points can be redeemed for cash back or gift cards, spent on Amazon.com, used to book travel or transferred to an airline or hotel partner.

The value of your points depends upon how they are used. You'll get the lowest value when paying with points on Amazon.com, while the best value can be found when transferring to an airline or hotel partner to book an expensive flight or hotel room.

Value of 1000 chase ultimate rewards points

Ultimate Reward transfer partners

Chase partners with 10 airlines and three hotels for eligible cardholders to transfer points on a 1:1 basis. There are no fees or limits when transferring points. However, once you transfer points from Chase to a partner, you cannot transfer them back.

Although several credit cards earn Ultimate Rewards points, only three are eligible to transfer points to these partners. These cards are:

When you transfer Chase Ultimate Rewards points, you'll receive 1 mile or point in your selected loyalty program for every 1 Ultimate Reward point that you transfer. Transfer requests must be in 1,000 point increments and many programs reflect the transfer instantly.

Chase's current airline and hotel transfer partners are:

  • Aer Lingus, AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

Chase application rules

Many banks have application rules in place to prevent customers from applying for too many credit cards in a short period of time. Chase has one of the more restrictive application rules, because it looks at all of the credit cards that you’ve opened from any financial institution, not just Chase. The Chase 5/24 Rule is an unwritten rule that says you won’t get approved for a new credit card if you’ve opened more than five new cards from any bank in the previous 24 months.

Customers are also prohibited from the welcome bonus if they are current cardholders of a similar card or if they’ve received a bonus in the last 24 months from that family of cards. For example, you’re not eligible to receive a bonus from the Southwest Rapid Rewards® Priority Credit Card if you have any card from Southwest open or have received a bonus from any Southwest card in the last 24 months.

Chase takes this restriction a step further with the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® credit cards. If you have received a bonus from either card in the previous 48 months, you are not eligible to earn a bonus. Additionally, if you have either card open, you may not apply for the other. However, you can call customer service to request a product change to the other card (in which case, you won't qualify for the sign-up bonus).

How to apply for a Chase credit card

Applying for a Chase credit card is quick and easy. Chase will ask for this information when applying:

  • Name
  • Address
  • Date of birth
  • Mother’s maiden name
  • Email address and phone number
  • Social Security Number
  • Gross annual income and source of income
  • Type of residence

The process is even quicker if you already bank with Chase. If you log in before applying, some of your information will be pre-filled.

Before applying for a Chase credit card, review your credit report and take action to improve your odds of approval. Plus, knowing your credit score will help you identify which credit cards you're eligible for.

To improve your odds of approval for a Chase credit card, fix any credit report errors, keep your balances below 30% of your limit and pay your bills on time. Following these simple steps will also help you build a solid credit score over time.

How do you activate a Chase credit card?

To activate your new Chase credit card, there are two options. You can call the phone number on the sticker to verify that you've received it, or the other option is to log in to your Chase account and confirm its receipt. If you haven't created a Chase online profile before, you can use this as an opportunity to create an online account to manage your account on the Chase website or through its mobile app.

Does Chase have a secured credit card?

Chase does not currently have a secured credit card option. If you are building your credit, you should visit our list of best secured credit card offers. You can use one of these cards to improve your credit, then apply for a Chase credit card.

How long does Chase take to approve a credit card?

Many Chase credit card applications will be approved instantly online. If your application requires a manual review, you'll receive a decision by mail usually within seven to 10 business days.

How do you check your Chase credit card application status?

To check the status of a Chase credit card application, call the application status line at 888-338-2586. Current Chase customers can view their status online. Simply log in to your account, click the menu bar in the top left corner and then go to "Application Status."

What is the best Chase credit card?

The best Chase credit card depends on your situation, and which benefits and rewards are most valuable to you. Chase offers nearly 30 different consumer and business credit cards, so there is likely one card that can meet your needs. Many Chase cardholders start with the Chase Sapphire Preferred® Card, as it earns flexible Ultimate Rewards points and provides several practical benefits, like primary rental car coverage and purchase protection.

What is the best Chase credit card for groceries?

The best Chase credit card for groceries is the Chase Freedom Flex℠. During the first year, cardholders receive 5% cash back on the first $12,000 in grocery purchases. That's up to $600 in cash back during the first year. The Chase Freedom Flex℠ Card also has quarterly rotating categories where cardholders can earn 5% on up to $1,500 in purchases.

What is the best Chase credit card for students?

Chase offers the Chase Freedom Student credit card, which is designed specifically for students. With this card, students earn 1% cash back on every purchase and get an annual $20 "good standing" bonus for up to five years — plus, they may receive automatic credit limit increases.

Does Chase offer instant approval for its credit cards?

Yes. When you apply for a new Chase credit card, you may receive instant approval. However, this may take longer if your application requires a more detailed review, you will receive a letter with the bank's decision, which could take seven to 10 days to arrive.

How many Chase credit cards can you have?

Chase does not officially limit the number of personal credit cards that you can have. However, with its tougher application rules, opening numerous credit cards with Chase may take years.

By Chase's 5/24 rule, you will likely be declined for a Chase card if you've opened five or more credit cards within the past 24 months. Also, you may be restricted from owning two cards within the same rewards program (the Chase Marriott Bonvoy Bold™ Credit Card and Chase Marriott Bonvoy Boundless™ Credit Card, for example). To get approved for each new credit card, you'll need to qualify based on your credit score and income.

Can you prequalify for a Chase credit card?

Yes, you can check for prequalified offers directly from the Chase website. To see if you qualify, visit the Chase prequalification page and provide your name, address and last four digits of your Social Security Number. Since prequalification doesn't require a hard pull to your credit report, this will not affect your credit score.

Is it easy to get a credit card from Chase?

It’s easy to get a credit card from Chase if your credit score is excellent and if you’re eligible based on your Chase 5/24 status. For people who are rebuilding their credit or have too many new credit cards in the last two years, getting a new credit card from Chase may be more difficult.

Can you use your Chase credit card before it arrives?

Chase does not provide your credit card number upon approval. Your new credit card will arrive three to five days after approval.

Do Chase credit cards have rental car insurance?

Some Chase credit cards offer primary rental car insurance as part of their benefits. This coverage protects the rental car against theft or damage. However, this insurance does not cover bodily injury or damage to other vehicles or property.

Do Chase credit cards have travel insurance?

Some Chase credit cards have travel protections, but not all of them. If travel benefits are important to you, focus on travel credit cards like the Chase Sapphire Reserve®.

How do you apply for a Chase credit card online?

Applying for a Chase credit card online is simple once you've decided which Chase credit card is right for you. Simply click on the "Apply" button and provide your personal information. You'll be finished within minutes and, in most cases, you'll receive an immediate decision on your application.

What credit score is needed for a Chase credit card?

The credit score required for each Chase credit card varies based on which credit card you are applying for. The minimum credit score to get approved for the Chase Freedom Flex℠ Card is 670.

Do Chase credit card points expire?

No, Chase credit card points do not expire as long as your account is open and in good standing.

How long does Chase take to mail a credit card?

After approval, you'll receive your new Chase credit card by mail within three to five days.

How often does Chase report to credit bureaus?

Chase provides updates to credit bureaus once a month. Because banks often have millions of customers, all of this information is not provided in a single day. Instead, customer data is batched together and sent throughout the month.

The information related to United℠ Business Card, Ink Business Preferred℠ Credit Card, Disney Premier Visa® Credit Card , Marriott Bonvoy Boundless™ Credit Card, Ink Business Cash℠ Credit Card and Ink Business Unlimited℠ Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Lee Huffman

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel and other personal finance topics. Lee enjoys showing people how to travel more, spend less and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).