Best Chase Credit Cards of April 2020 - Top Offers

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

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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Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 60,000 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®
  • 2X points on travel and dining at restaurants worldwide & 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, 60,000 points are worth $750 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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Southwest Rapid Rewards® Premier Credit Card

  • On Chase's Secure Website

$99

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.
  • 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.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
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Chase credit cards offer a wide array of personal and business options for consumers and companies alike. Its portfolio also contains a number of co-branded cards that are affiliated with leading hotels and airlines that can be good options for anyone looking for perks with that specific brand, such as free bags on a flight or free hotel night stays. We reviewed the various offerings to determine which are Chase's best credit cards for rewards, interest rates, and sign-up bonuses.

Best Chase Credit Card Overall: Chase Sapphire Reserve®

  • On Chase's Secure Website
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Not only is the Chase Sapphire Reserve® one of the most coveted Chase credit cards, it's also one of the most rewarding credit cards, period. Though the $550 annual fee may seem scary at first, the card comes with enough perks to justify that price. First, users get $300 in an annual travel credit. Assuming you use all of it, that puts the effective annual fee at just $250. The Chase Sapphire Reserve® also provides users with Priority Pass membership which grants access to hundreds of airport lounges. We value this benefit at $249 per year. You also get special benefits when booking hotels through The Luxury Hotel & Resort Collection and up to a $100 application fee credit for Global Entry or TSA Precheck.

On top of these luxury travel benefits, the Chase Sapphire Reserve® also gives you more reward points than most other Chase credit cards. You get 3 points per dollar on travel and dining purchases worldwide (3 points on travel after you earn the $300 travel credit). Currently, the card also comes with the following sign-up bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. These Chase Ultimate Rewards points can be transferred to 10 participating airlines and three hotel programs.

Highlights

  • $300 annual travel credit
  • See Rates and Fees
  • Points transferable to 13 participating airline and hotel programs, including Southwest, IHG and Marriott.
  • Full Review

Best Travel Credit Card: Chase Sapphire Preferred® Card

  • On Chase's Secure Website
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The Chase Sapphire Preferred® Card is also one of the best travel credit cards we've reviewed. This card is good for travelers who aren't interested in the luxury benefits provided by the Chase Sapphire Reserve®, or those who feel uncomfortable committing to a $550 annual fee credit card. As a general travel credit card, the Chase Sapphire Preferred® Card is all about flexibility. You can use the points you earn to book travel or transfer them to one of 13 participating airline and hotel programs. Chase Sapphire Preferred® Card cardholders can also take advantage of the card's points transfer program to use accrued rewards points towards loyalty programs with a number of airlines.

New cardholders can look forward to the following sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The Chase Sapphire Preferred® Card rewards are earned at the rate of 2 points for every $1 spent on travel or dining and 1 point for every $1 otherwise. All things considered, the card's rewards can equate to as much as 2.5% on your spending (2 points per dollar multiplied by 25% for redeeming points for travel on the Chase portal). From its higher-than-average rewards potential to points flexibility, we name the Chase Sapphire Preferred® Card to be Chase's best credit card for travel rewards.

Highlights

  • $95 annual Fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Full Review

Best Cash Back Option: Chase Freedom®

Chase Freedom®
This product is not available through ValuePenguin.
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The Chase Freedom® gives some of the highest cash back rewards on categories that change on a quarterly basis. Cardholders get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. All other credit card purchases will earn you 1% in cash back rewards. For example, in Q2 2020 users can get up to 5% back on gym membership, fitness clubs and grocery stores and select streaming services.

The one caveat is that maximizing your rewards rate with the Chase Freedom® requires you to stay on top of the current bonus categories and to remember to activate the categories by the deadline. At least 25% of all your purchases should fall into the 5% categories in order for this card to be effective. Keep in mind, however, that this card also has no annual fee. Therefore, if you sometimes miss the mark and don't use this card effectively, it won't cost you anything, as long as you pay your balance in full every month.

Another understated feature of the Chase Freedom® is that the cash back is actually accrued as Ultimate Rewards points. This means that you can pair the card with other cards in the Ultimate Rewards ecosystem to maximize your point earnings. For example, the rewards can be combined with the Chase Sapphire Preferred® Card, to earn 2 points per dollar on travel and dining purchases and 5 points per dollar on the Chase Freedom®’s rotating categories.

Note: Technically all of the Ultimate Rewards cards offered by Chase are effectively cash back credit cards, since your Ultimate Rewards points can be redeemed for cash back. However, the Chase Freedom® is one of only two that specialize in this category — the other being the Chase Freedom Unlimited®.

Highlights

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers (16.49% - 25.24% Variable thereafter)
  • Full Review

Best Fixed-Rate Cash Back: Chase Freedom Unlimited®

Chase Freedom Unlimited®
This product is not available through ValuePenguin.
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The Chase Freedom Unlimited® doesn't quite reach the same high cash back rates as Chase Freedom®, though it's good in its own right. The card gives a solid 1.5% cash back on all your purchases, no matter where you use it. There are no rotating categories or limits to worry about. This can be useful for one of two consumers: those for whom the Chase Freedom® categories don't hold any appeal, and those who don't want to have to manage their credit card spending.

Like the Chase Freedom®, the Chase Freedom Unlimited® also accumulates Chase Ultimate Rewards points. That means you can pair it up with another Ultimate Rewards card if you want to optimize your rewards redemption options. Since it has no annual fee, the Chase Freedom Unlimited® makes for an excellent supplementary card. You can keep it in your wallet without having to worry much about whether you're getting enough use out of it.

Highlights

  • 1.5% cash back on all purchases
  • $150 cash back after you spend $500 on purchases in your first 3 months from account opening.
  • Part of the Ultimate Rewards family of cards
  • Full Review

Best For Earning Miles: Southwest Rapid Rewards® Premier Credit Card

  • On Chase's Secure Website
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The Southwest Rapid Rewards® Premier Credit Card is one of the best airline credit cards around. It showers you with miles and lets you earn high valued travel perks. Users get 2 points per $1 spent on Southwest Airlines® purchases and 1 point per $1 everywhere else. You also get 6,000 points every account anniversary. All these Rapid Rewards points are worth approximately $0.015 each. Therefore, the card's rewards rate varies between 1.5% and 3%, and your annual point bonus is worth about $90 — covering most of the card's annual fee.

One important limitation to be aware of is that Southwest is primarily a domestic airline. If you are more interested in Chase credit cards that can earn you miles for international travel, we recommend looking at the United℠ Explorer Card.

Highlights

  • $99 annual fee
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • Full Review

Best Balance Transfer Card: Chase Slate®

Though you can perform a balance transfer using any Chase credit card, the Chase Slate® is the only one to specialize in it. This is the only Chase credit card to not come with any rewards. Instead, it's mission is simple: to help you pay down your debt. The card comes with a 0% introductory APR on purchases and balance transfers for 15 months (16.49% - 25.24% Variable thereafter). Furthermore, there is a $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening. By contrast, most other credit cards will typically charge you 3% to 5% for each balance transfer, which significantly adds to the cost of the transfer.

Note that you cannot transfer a balance from another Chase credit card to this one. Furthermore, you cannot transfer more than $15,000 in credit card balances. And, if you qualify for a lower limit than $15,000, then you cannot transfer more than that limit allows.

Highlights

  • No annual fee
  • $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 (16.49% - 25.24% Variable thereafter)
  • Full Review

Best Chase Business Credit Cards

Small business owners should take a close look at Chase’s line of business credit cards. Chase offers several excellent cards that have made it to our list of best small business credit cards.

Ink Business Preferred℠ Credit Card

Ink Business Preferred® Credit Card
This product is not available through ValuePenguin.
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The Ink Business Preferred℠ Credit Card is a premium business credit card and part of the Ultimate Rewards family of credit cards. The points you earn through it can be transferred at a 1:1 ratio to one of 13 participating hotel and airline programs, including Southwest, United Airlines and IHG. You can also redeem your points for cash back or travel purchases. However, the card is at its best when you are using the points for travel-related purposes.

The Ink Business Preferred℠ Credit Card awards 3x points on the first $150,000 combined spending on travel, shipping, advertising through search engines and social media sites, and internet/cable/phone services. All other purchases give just 1 point per dollar. Each point carries a $0.0125 value, just like the Chase Sapphire Preferred® Card. That puts its rewards rate at somewhere between 1.25% and 3.75%. Currently, this card also offers one of the best Ultimate Rewards bonuses of any Chase credit card: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Highlights

  • $95 annual fee
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
  • 3 points per $1 on the first $150,000 spent in select categories each year
  • Full Review

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card
This product is not available through ValuePenguin.
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The Ink Business Cash℠ Credit Card is the better business card for companies that have lower annual expenses and tend to shop with more traditional vendors, like office supply stores. The card has no annual fee, meaning any rewards you earn from it will be a net positive to your bottom line. The card rewards 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable services each year. Additionally, it gives 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year. All other purchases earn just 1% back.

Unless you combine the Ink Business Cash℠ Credit Card with a premium Ultimate Rewards card, the points you earn through it are best redeemed as cash back. With this card on its own, you cannot transfer the points to any airline or hotel program.

Highlights

  • Between 2% and 5% cash back in select categories, up to category limits. Unlimited 1% back on all other purchases
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • 0% introductory APR for 12 months on purchases, then a 14.74% - 20.74% Variable APR
  • Full Review

Chase Credit Card Bonuses

For those consumers interested in the short-term rewards potential from Chase, we've highlighted below the bonuses currently available from Chase credit cards. Most of the cards require that you spend a minimum amount within the first three months to earn the bonus. Occasionally, cards will offer an additional bonus, not listed below, for hitting a larger spending target over the course of a year. Depending on your budget, this may impact your ability to earn the bonus.

Personal Card

Bonus
Chase Freedom®Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
Chase Sapphire Reserve®Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Chase Sapphire Preferred® CardEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
United MileagePlus® Club CardEarn 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
United℠ Explorer Card60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
Marriott Bonvoy Bold™ Credit CardEarn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
Marriott Bonvoy Boundless™ Credit CardEarn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
Southwest Rapid Rewards® Premier Credit CardEarn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Southwest Rapid Rewards® Plus Credit CardEarn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Southwest Rapid Rewards® Priority Credit CardEarn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
The Hyatt Credit CardEarn up to 50,000 Bonus Points. Earn 25,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening. Earn an additional 25,000 Bonus Points after you spend $6,000 total on purchases within the first 6 months of account opening.
AARP® Credit CardSpend at least $500 on purchases in your first 3 months and receive $100 in cash back

Business Card

Bonus
Ink Business Preferred℠ Credit CardEarn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Ink Business Cash℠ Credit CardEarn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Southwest Rapid Rewards® Premier Business Credit CardEarn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Summary of the best Chase Credit Cards

FAQs about Chase credit cards

Below are some common questions about Chase credit cards.

Which Chase credit card is best for bad credit?

None of the Chase credit cards are meant for consumers who need to rebuild their credit. If you have a low score (below 670) and don't think you'll qualify for one of the cards on this list, consider opening a secured credit card, which requires a security deposit.

How can I get approved for a Chase credit card?

Your best chance at being approved for a Chase credit card is to have a good or excellent credit score, typically defined as over 700, and to have some prior history with credit cards. If you don't currently have any credit card accounts — but have good credit — consider opening an entry-level credit card and demonstrating good financial habits for six months. On the other end of the spectrum, Chase will deny you if you have opened more than five cards in the past 24 months (commonly known as the 5/24 rule).

Which Chase credit card is the easiest to get?

While good credit is required for all Chase credit cards, the Chase Freedom® and Chase Freedom Unlimited® are geared toward those who are newer to credit. Even so, we advise potential applicants to demonstrate responsible credit use with a beginner card for six to eight months before applying for a Chase card.

The information related to the Chase Slate®, Chase Freedom Unlimited®, Chase Freedom®, Ink Business Preferred&#8480 Credit Card, Ink Business Cash℠ Credit Card and Southwest Rapid Rewards® Premier Business Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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).