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11 Best Chase Credit Cards of 2022: Compare Top Features

11 Best Chase Credit Cards of 2022: Compare Top Features

The Chase Sapphire Preferred® Card isn't just one of the best Chase Cards — it's one of the best all-around travel cards that allows you to earn valuable travel rewards at a fast pace.

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.

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Chase Sapphire Preferred® Card

On Chase's Secure Website

Chase Sapphire Reserve®

On Chase's Secure Website

Chase Freedom Unlimited®

On Chase's Secure Website

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Chase offers a variety of personal and business credit cards that earn valuable rewards on everyday purchases. The Chase Ultimate Rewards® program is particularly advantageous because it allows members to transfer their points to 14 hotel and airline partners which can result in increased points value. Thanks to valuable rewards and travel perks, Chase's lineup includes some of the best airline, hotel and general travel cards around.

Compare the best Chase credit cards of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Best overall
Chase Sapphire Preferred® Card
Chase Sapphire Preferred<sup>®</sup> Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.720 - 850$95
Apply Now
On Chase's Secure Website
Luxury travel
Chase Sapphire Reserve®
Chase Sapphire Reserve<sup>®</sup>
New Offer! Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.720 - 850$550
Apply Now
On Chase's Secure Website
Cash back
Chase Freedom Unlimited®
Chase Freedom Unlimited<sup>®</sup>
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.660 - 850$0
Apply Now
On Chase's Secure Website
Compare all cards

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
New Offer! Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Credit Score Needed

720 - 850
720 - 850

Annual Fee

$95
$550
Apply Now
On Chase's Secure Website
Apply Now
On Chase's Secure Website

Best Chase credit card overall and for travel

Chase Sapphire Preferred® Card

On Chase's Secure Website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

$95

16.74% - 23.74% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • 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.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Earns Chase Ultimate Rewards®

Our thoughts

The Chase Sapphire Preferred® Card is our pick for best overall Chase card because it offers the best value in rewards and travel benefits in comparison to its annual fee. Not only does it earn unlimited Chase Ultimate Rewards® points, but it provides travel perks 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 14 airline and hotel partners on a 1:1 basis. Travel benefits include trip interruption insurance, baggage delay insurance and primary coverage on rental cars. Plus, there are $0 foreign transaction fees. There is an annual fee of $95, but the rewards and benefits can justify the fee for the travel-minded consumer.

Rewards rate: 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

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  • Valuable sign-up bonus
  • Points are worth 25% more when booking travel through Chase.
  • Transfer points to 14 travel partners on a 1:1 basis.
  • Excellent travel and purchase protections
  • $0 foreign transaction fees
  • Receive cash back on purchases with a value of 1 cent per point.
  • $95 annual fee


Best Chase credit card for luxury

Chase Sapphire Reserve®

On Chase's Secure Website

New Offer! Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

$550

17.74% - 24.74% Variable

720 - 850

  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Earns Chase Ultimate REwards®

Our thoughts

The Chase Sapphire Reserve® continues to be the best Chase luxury travel credit card because of the high value it provides to cardholders through its perks and benefits, including top lounge access, exceptional travel insurance and high rewards rate on travel purchases.

Although it has an annual fee of $550, these benefits and more 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.

Rewards rate: 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®.

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  • Stellar sign-up bonus
  • Points are worth 50% more when booking travel through Chase.
  • Transfer points to 14 travel partners on a 1:1 basis.
  • $300 annual travel credit that is automatically applied to eligible travel purchases.
  • Up to $100 Global Entry, NEXUS, or TSA PreCheck® credit every four years.
  • Complimentary access to over 1,300 airport lounges with Priority Pass™ Select.
  • The Luxury Hotel & Resort Collection benefits
  • $0 foreign transaction fees
  • Excellent travel and purchase protections
  • Receive cash back on purchases with value of 1 cent per point
  • High $550 annual fee
  • Lackluster earning rate on everyday purchases


Best Chase credit card for cash back

Chase Freedom Unlimited®

On Chase's Secure Website

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

$0

15.74% - 24.49% Variable

660 - 850

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Earns Chase Ultimate Rewards®

Our thoughts

The Chase Freedom Unlimited® is our pick for the best cash back credit card to use for everyday spending, as it allows cardholders to earn a high flat rate on most purchases, plus a bonus on lucrative categories like dining.

Although this card is advertised as a cash back credit card, you'll actually earn Chase Ultimate Rewards® points. These points can be redeemed for 1 cent each for cash back, gift cards or travel.

Rewards rate: Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

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  • $0 annual fee
  • Excellent sign-up bonus
  • Earn Chase Ultimate Rewards® points and redeem for 1 cent each for cash back, gift cards or travel.
  • 0% Intro APR on Purchases for 15 months. After the intro period, your rate will revert back to the standard APR of 15.74% - 24.49% Variable
  • Rewards can be combined with other Ultimate Rewards cards for a potentially higher value.
  • Purchase protection and extended warranty
  • Charges foreign transaction fees
  • Other cash back cards offer more competitive sign-up bonuses


Best Chase credit card for rewards

Chase Freedom Flex℠

On Chase's Secure Website

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$0

15.74% - 24.49% Variable

660 - 850

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom FlexSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Earns Chase Ultimate Rewards®

Our thoughts

The Chase Freedom Flex℠ card is the best option for rewards optimizers, because of its 5% on up to $1,500 in purchases in rotating quarterly categories. The card takes a bit of maintenance, because you have to activate your rotating categories by the deadline each quarter. However, if you max out the categories each quarter, you can earn as much as $300 per year from your Chase Freedom Flex℠ card on quarterly category purchases alone.

Beyond the rotating categories, you'll also earn a high rewards rate on travel, dining and drugstores year round, giving this card an edge over other rotating category cards like the Discover it® Cash Back Credit Card.

Rewards rate: Cardholders 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! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 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.

The quarterly 5% cash back applies to the first $1,500 spent on rotating categories every quarter.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Chase Freedom Flex℠ 2022 Calendar

January - March
April - June
July - September
October - December
Grocery stores (excluding Target® and Walmart®), eBayAmazon.com and select streaming servicesGas stations, car rental agencies, movie theaters and select live entertainmentNot announced
  • $0 annual fee
  • 0% Intro APR on Purchases for 15 months (15.74% - 24.49% Variable APR thereafter).
  • Rewards can be combined with other Ultimate Rewards points for a potentially higher value.
  • Purchase protection and extended warranty
  • World of Elite Mastercard benefits
  • Charges foreign transaction fees
  • Quarterly 5% cash back categories are capped
  • You have to remember to enroll in the categories to earn 5% cash back


Best Chase credit card for miles

Southwest Rapid Rewards® Priority Credit Card

On Chase's Secure Website

Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.

$149

16.74% - 23.74% Variable

720 - 850

  • Limited-time offer: Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.
  • 7,500 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, phone services, and select streaming.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • No foreign transaction fees.
Does NOT earn Chase Ultimate Rewards®

Our thoughts

The premium Southwest Airlines credit card, the Southwest Rapid Rewards® Priority Credit Card, is our choice for the best miles card, because it's packed with perks that 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. These benefits alone are enough to more than cover the card's annual fee.

In addition to the card's sign-up bonus, you'll earn a high earning rate on Southwest purchases and other valuable spending categories.

Rewards rate: Earn 3X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming.

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  • Earn points towards a Southwest Companion Pass
  • 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 Wi-Fi
  • Earn up to 15,000 A-List tier qualifying points per year
  • $0 foreign transaction fees
  • $149 annual fee
  • Points aren't flexible


Best Chase credit card for hotels

World of Hyatt Credit Card

On Chase's Secure Website

Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

$95

16.74% - 23.74% Variable

660 - 850

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Does NOT earn Chase Ultimate Rewards®

Our thoughts

While Chase has several great hotel cards in its lineup, we think the World of Hyatt Credit Card offers the most value. Due to the high value of Hyatt points (worth around $0.017 per point, by our estimates), the World of Hyatt Credit Card quickly turns your purchases into free hotel 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.

Cardholders also receive automatic World of Hyatt Discoverist status, which is incredibly valuable and comes with perks like room upgrades, elite check-in, premium internet and more.

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.

Rewards rate: Earn up to 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 from Hyatt as a World of Hyatt member.

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  • Earns hotel points
  • 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.
  • Excellent travel protections
  • $0 foreign transaction fees
  • $95 annual fee
  • Limited redemption options


Best Chase credit card for balance transfers

Chase Slate Edge℠

On Chase's Secure Website

$0

15.74% - 24.49% Variable

660 - 850

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.74% - 24.49% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Does NOT earn Chase Ultimate Rewards®

Our thoughts

The Chase Slate Edge℠ is our top pick for the best Chase card for balance transfers because it offers the longest intro balance transfer period out of all Chase cards: 0% Intro APR on Balance Transfers for 18 months. (then a 15.74% - 24.49% Variable APR applies.) It also offers a long 0% Intro APR on Purchases for 18 months. (then a 15.74% - 24.49% Variable APR applies.)

The card also offers a fairly unique feature for consumers looking to minimize interest. Cardmembers will automatically be considered for an APR reduction by 2% when you pay on time, and spend at least $1,000 on your card by your next account anniversary, until your APR reaches the prime rate plus 9.74%. Note that your final APR reduction could be less than 2% depending on the APR you receive with your card. These benefits are excellent for consumers looking to manage pre-existing debt.

Rewards rate: No rewards program offered.

  • $0 annual fee
  • 0% Intro APR on Purchases for 18 months. (then a 15.74% - 24.49% Variable APR applies.)
  • 0% Intro APR on Balance Transfers for 18 months. (then a 15.74% - 24.49% Variable APR applies.)
  • Unique welcome offer that reviews you for a higher credit limit
  • Purchase protection and extended warranty
  • Automatically be considered for an APR reduction when you pay on time and spend at least $1,000 by your account anniversary
  • Roadside dispatch and auto rental collision damage waiver
  • No rewards program
  • No traditional sign-up bonus


Best Chase credit card for Marriott

Marriott Bonvoy Boundless® Credit Card

On Chase's Secure Website

Our Best Free Night Offer - Earn 5 Free Nights (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!

$95

16.74% - 23.74% Variable

660 - 850

  • For a Limited Time Only! Earn 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
  • Our Best Free Night Offer!
  • New Benefit! Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • New Benefit! Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
Does NOT earn Chase Ultimate Rewards®

Our thoughts

Our pick for the best Chase credit card for Marriott is the Marriott Bonvoy Boundless® Credit Card, due to its substantial welcome bonus, flexible redemption options, and multitude of Marriott-related perks and benefits.

Perks like automatic Silver Elite status and a free night (up to 35,000 points) each year on your cardmember anniversary make this card extremely valuable for those who regularly stay with Marriott.

Rewards rate: Earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.

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  • $0 foreign transaction fees
  • Automatic Silver Elite status
  • Free night award every anniversary
  • Points are redeemable for hotel stays, hotel + air packages, gift cards and more
  • Lucrative welcome bonus
  • $95 annual fee
  • Other redemption options aren't as valuable as redeeming for Marriott hotel stays


Best Chase credit card for online shoppers

Amazon Prime Rewards Visa Signature Card

Does NOT earn Chase Ultimate Rewards®

Our thoughts

The Amazon Prime Rewards Visa Signature Card is a great choice for online shoppers as it offers members a high earning rate on Amazon and Whole Foods purchases, comes with a valuable sign-up bonus, and does not charge an annual fee or foreign transaction fees. This card can be extremely useful for frequent Amazon and Whole Foods shoppers, and comes with some helpful travel perks as well.

Rewards rate: Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.

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  • $0 annual fee
  • Lucrative sign-up bonus
  • High earning rate on Amazon purchases
  • $0 foreign transaction fees
  • Valuable travel and purchase protections
  • Visa Signature perks
  • Must have an Amazon Prime membership

Chase business credit cards

Small business owners leverage credit card rewards to supplement business travel and manage cash flows. Chase offers three business credit cards outside of their co-branded offers.

Best Chase business credit card overall

Ink Business Preferred® Credit Card

On Chase's Secure Website

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

$95

16.74% - 21.74% Variable

720 - 850

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Earns Chase Ultimate Rewards®

Our thoughts

The Chase Ink Business Preferred® Credit Card is one of the best business credit cards on the market because of the outstanding value of its rewards and travel benefits. 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.

The points earned with this card are more valuable than the other Chase business credit cards because you can transfer them to a Chase travel partner or redeem them for travel for a 25% bonus. This card also comes with useful perks like $0 foreign transaction fees and primary car rental insurance.

Rewards rate: 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.

\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
  • Enormous sign-up bonus
  • Points are worth 25% more when booking travel through Chase.
  • Transfer points on a 1:1 basis to 14 airline and hotel partners.
  • $0 foreign transaction fees
  • Trip cancellation and interruption insurance, primary rental car collision coverage, purchase protection, extended warranty and cell phone protection.
  • Employee cards at no additional cost.
  • $95 annual fee
  • High spending requirement to earn the sign-up bonus


Best Chase business credit card for cash back

Ink Business Unlimited® Credit Card

On Chase's Secure Website

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

$0

13.99% - 19.99% Variable

660 - 850

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Earns Chase Ultimate Rewards®

Our thoughts

The Ink Business Unlimited® Credit Card is our choice for the best Chase business credit card for cash back due to its high flat rate on cash back, flexible rewards redemption options, generous sign-up bonus and business benefits all for $0 annual fee.

The Ink Business Unlimited® Credit Card is also a viable option for financing new purchases for your business. Cardholders can also enjoy a 0% Intro APR on Purchases for 12 months, followed by an APR of 13.99% - 19.99% Variable.

Rewards rate: Earn unlimited 1.5% cash back on every purchase made for your business.

.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
  • $0 annual fee
  • Generous sign-up bonus
  • Solid flat rate rewards on business purchases
  • Free employee cards
  • Flexible redemption options
  • Account management software
  • 0% Intro APR on Purchases for 12 months, followed by an APR of 13.99% - 19.99% Variable
  • Great travel and purchase protections
  • No bonus spending categories
  • Other flat rate credit cards offer higher amounts of cash back
  • Charges a foreign transaction fee


Best Chase business credit card for office expenses

Ink Business Cash® Credit Card

On Chase's Secure Website

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

$0

13.99% - 19.99% Variable

720 - 850

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
Earns Chase Ultimate Rewards®

Our thoughts

The best Chase business credit card for office expenses is the Ink Business Cash® Credit Card due to its lucrative 5% earning rate on business purchases. It also comes with a low interest introductory offer, flexible redemption options and access to account management software, all for $0 annual fee.

Cardholders can enjoy perks like free employee cards, travel and purchase protections and more.

Rewards rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

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  • $0 annual fee
  • Strong earning rate
  • Decent sign-up bonus
  • 0% Intro APR on Purchases for 12 months (then a 13.99% - 19.99% Variable APR)
  • Free employee cards
  • Flexible redemption options
  • Account management software
  • Solid travel and purchase protections
  • Sign-up bonus spend requirement may be challenging for some small business owners to reach
  • Lacks travel perks

How to choose a Chase credit card

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. In order to choose the best Chase credit card for you, you'll want to take the following factors into consideration:

You have several options when it comes to choosing a Chase credit card, from cashback cards to travel rewards cards to business credit cards.

Cash back credit cards

Cash back 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 Chase credit card 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 Chase credit card 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:

The higher a card's annual fee, the more additional perks and benefits usually come with it. Chase credit card benefits can include things like:

Travel insuranceTravel insurance benefits and amount of coverage varies by card, so verify your card's benefits before you travel.

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 a certain amount of time after purchase.

Extended warranty — With credit card extended warranty protection, you'll automatically receive additional time on the manufacturer's warranty up to a certain amount of money. Check your specific credit card terms for details.

No foreign transaction fees — Banks often charge up to 3% for converting a transaction into U.S. dollars. Chase cards often won't charge foreign transaction fees, saving you money.

Travel perks — These are often things like free checked bags, priority boarding, airport lounge access, and complimentary hotel elite status. Make sure to utilize these valuable benefits when they come with your card.

Chase's travel card collection includes many excellent hotel and airline cards, as well as general travel cards. While co-branded hotel and airline cards offer very valuable perks for loyal travelers, Chase's general travel cards (also known as Ultimate Rewards cards) have more flexible rewards that tend to be much more valuable. These cards are a generally a better fit for those who don't want to stick to travel with one brand.

In fact, the Chase Ultimate Rewards® program is one of the most lucrative rewards programs across all card issuers. That's because Ultimate Rewards points can be transferred to 14 hotel and airline partners at the high rate of one cent per point. Chase cards that earn Ultimate Rewards points can be especially valuable, so you'll want to make note of the type of rewards the Chase card you're considering earns. We'll go into further detail on the Ultimate Rewards program below.

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 credit 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.

How to maximize your Chase credit card

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.

Redemption options

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.

Chase points value

Value of 1,000 Ultimate Rewards points

$10
Cash back
$10
Gift cards
$15
Travel on Ultimate Rewards portal
$20
Transfer to loyalty program
$7.5
Pay with points on Amazon.com

Ultimate Reward transfer partners

Chase partners with 11 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:

  • Air Canada Aeroplan
  • Aer Lingus, AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue

Can you own multiple Chase bank credit cards at once?

The short answer here is yes. In fact, doing so strategically is a great way to maximize your rewards. Some Chase cash back credit cards, like the Chase Freedom Flex℠, allow you to earn Ultimate Rewards points, which you can then transfer to a card whose primary purpose is to earn Ultimate Rewards points, like the Chase Sapphire Preferred® Card, to combine and maximize your rewards.

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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.

24 month restriction for previous cardholders

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.

48 month restriction for the Chase Sapphire cards

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).

What credit score do you need for a Chase credit card?

Each Chase credit card has its own credit score requirements. That said, most Chase cards do require consumers to have good to excellent credit. You'll want to make sure your credit score is high enough to be approved before applying to a particular card to avoid a negative impact on your credit score and increase your chances of approval.

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How to apply for a Chase credit card

Applying for a Chase bank card is quick and easy:

1. Make sure you can qualify before you apply. 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. You should also review the terms and conditions of the offer carefully, to make sure you meet all the qualifications of the bonus.

2. Fix errors on your credit application. 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.

3. Fill in your application completely. 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.

Which Chase credit card is best for you?

The best Chase credit card for you will depend on your preferences and spending habits, but luckily Chase offers such a wide variety of credit cards that there is something for everyone.

  • For those looking for rewarding, no-fuss options, consider a cash back Chase card like the Chase Freedom Unlimited®.
  • If you're in the market for a business credit card, try the Ink Business Unlimited® Credit Card.
  • And if you're looking for a general travel rewards credit card with overall excellent benefits, you can't go wrong with the Chase Sapphire Preferred® Card.

FAQs about the best Chase credit cards

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?

There are not currently any Chase secured credit cards. 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 customers can view their Chase credit card 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 Chase credit card 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 usually arrive three to five days after approval.

Chase Visa credit card vs. Chase Mastercard: Which one is better?

Chase offers both Visa and Mastercard credit cards. Deciding which one is better will depend on the specific credit card in question. Chase Visa cards tend to be more common, including cards like the Chase Sapphire Preferred® Card and Chase Freedom Unlimited®, but the Chase Freedom Flex℠, for example, is a Mastercard. Ultimately you'll want to choose a card that's most compatible with your lifestyle and preferences.

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 usually receive your new Chase credit card within three to five days, though Chase states that a card can take up to 14 days or longer to arrive by mail.

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.

Recap of the best Chase credit cards for 2022

Chase business credit cards

Methodology

To make choosing the right Chase credit card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the following criteria:

APR

How the card's annual percentage rate (APR) compares to other cards in its category and whether or not there is a low interest intro offer on purchases and/or balance transfers.

Rewards

Whether or not the card offers rewards, the type of rewards (points, miles, cash back), and the rewards earning rate.

Additional perks and benefits

These include things like free checked bags, travel and purchase protections, lounge membership, elite status, and airline and hotel perks.

Annual fee

Whether or not a card charges an annual fee, if the fee is waived for the first year, and if the card benefits offset or outweigh the annual fee.

Sign-up bonus

Whether or not a card comes with a welcome offer or sign-up bonus, how easy it is to earn the bonus, how valuable is the bonus overall.

Foreign transaction fees

Does the card charge foreign transaction fees and, if yes, does that limit the card's overall value.

Transferable points

Whether or not the card earns transferable points (in this case Chase Ultimate Rewards®), how flexible are those points and how many transfer partners do they include.

Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

The information related to Amazon Prime Rewards Visa Signature Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

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).