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Credit card points and frequent flyer miles are incredibly useful, no matter what program you earn them with or what you eventually choose to do with them. While there are a few different types of credit card rewards, you benefit regardless of which kind your card earns by collecting a rebate on your everyday spending — as long as you practice financial discipline and pay off your statement in full each month.
The Chase Sapphire Reserve is a premium rewards card that has set the standard for other credit card issuers who updated their own products to keep up with the Reserve's top-of-the-line rewards and benefits. But even if you don't want to pay the steep annual fee for the Reserve, Chase has other excellent rewards cards to consider, including options that earn cash back and great small-business credit cards.
For example, the Chase Sapphire Preferred® Card has a solid welcome bonus offer of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, worth $1,080 in travel per Insider's points and miles valuations. Its also featured on our list of best credit cards.
Take a look below at our choices of the best available Chase cards, including our overall top pick, the Chase Sapphire Preferred® Card.
Compare the Best Chase Credit Cards
Best overall for travel rewards
Chase Sapphire Preferred® Card
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
High intro bonus offer starts you off with lots of points
Strong travel coverage
Cons
Doesn't offer a Global Entry/TSA PreCheck application fee credit
Highlights
More Information
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 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Details
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.49% - 29.49% Variable
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Cons
Very high annual fee
Highlights
More Information
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 flights 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
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 PassTM 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
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 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.
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Details
Rewards
Earn 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.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor's Rating
4.35/5
4.35 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Solid flat cash-back rate
You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
No annual fee
Cons
Some other cards offer a higher rate of cash back on certain types of purchases
Highlights
More Information
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 20.49% - 29.24%.
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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Best for bonus categories
Chase Freedom Flex℠
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
The Chase Freedom Flex℠ is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.
Details
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No annual fee
Generous bonus cash-back categories
Great welcome bonus
Cons
Booking through Chase Ultimate Rewards portal can restrict outside earning potential
Varying percentages and rotating calendar categories require extra attention
3% foreign transaction fees
Highlights
More Information
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 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ 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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
100,000 points after spending $8,000 on purchases in the first three months from account opening
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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
100,000 points after spending $8,000 on purchases in the first three months from account opening
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.
The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.
Details
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.
Annual Fee
$95
Intro offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
100,000 points after spending $8,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.24% - 26.24% Variable
Editor's Rating
4.5/5
4.5 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
High sign-up bonus
Offers 3x bonus points on several spending categories, including travel and advertising purchases
Includes comprehensive travel coverage
Cons
Welcome bonus has a very high minimum spending requirement
Highlights
More Information
Earn 100k bonus points after you spend $8,000 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
Round-the-clock monitoring for unusual credit card purchases
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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
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.
Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.
Details
Rewards
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.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.49% - 24.49% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months
Editor's Rating
4.55/5
4.55 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
Intro APR offer for purchases
No annual fee
You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
Cons
Annual cap on bonus categories
Highlights
More Information
Earn $750 bonus cash back after you spend $6,000 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
Round-the-clock monitoring for unusual credit card purchases
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®.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
The Ink Business Unlimited® Credit Card is a great option for small business owners who prefer a straightforward earning rate and no annual fee. You'll earn 1.5% cash back on every purchase, and there's no limit to what you can earn.
Details
Rewards
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.49% - 24.49% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months
Editor's Rating
4.25/5
4.25 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
Intro APR offer
No annual fee
Cons
You can earn more cash back on some purchases with a card that has bonus categories
Highlights
More Information
Earn $750 bonus cash back after you spend $6,000 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.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Chase issues a lot of extremely valuable credit cards. We landed on the best of the best in this post by only including cards with one or more of the following attributes:
A sizable welcome bonus
Above-average return rates
Valuable ongoing benefits
You can read other Chase credit card reviews (and a review of nearly every credit card on the market) by heading to our credit card reviews hub.
Compare the best Chase credit cards
Chase Freedom Unlimited®
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Chase Freedom Flex℠
Chase Freedom® Student credit card
Ink Business Preferred® Credit Card
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Our recommendation
Best for everyday spending
Annual Fee
$0
Intro Offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Show more
Rewards
Earn 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.
Our recommendation
Best overall for travel rewards
Annual Fee
$95
Intro Offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Show more
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Our recommendation
Best premium card
Annual Fee
$550
Intro Offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Show more
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
Our recommendation
Best for bonus categories
Annual Fee
$0
Intro Offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
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Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Our recommendation
Best for students
Annual Fee
$0
Intro Offer
$50 Bonus after first purchase made within the first 3 months from account opening
Rewards
Earn 1% cash back on all purchases
Our recommendation
Best small-business travel rewards card
Annual Fee
$95
Intro Offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
100,000 points after spending $8,000 on purchases in the first three months from account opening
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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.
Our recommendation
Best for small-business bonus categories
Annual Fee
$0
Intro Offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
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Rewards
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.
Our recommendation
Best small-business card for flat-rate rewards
Annual Fee
$0
Intro Offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
We take a look at the pros and cons of each credit card in narrow categories to determine which card has the highest upside for each financial situation. The credit cards editorial team does not communicate with Insider's business team to push specific cards for monetary gain (though some cards are affiliates).
Chase credit cards are no more difficult to get than most other banks. Many Chase rewards credit cards require good to excellent credit to qualify, which means a FICO score of at least 670. One notable exception is the Chase Freedom® Student credit card
, which is designed for students who are new to credit. If you don't have an established credit history yet, it may be easier to get approved for this card.
Are Chase credit cards good?
Chase credit cards are some of the best in the business. Chase has become a leader in the credit card rewards and benefits space, growing its Chase Ultimate Rewards® program with the Chase Sapphire Preferred Card and Sapphire Reserve. These cards remain a powerhouse of value, and the Chase Ultimate Rewards program is fiercely competitive, with a ton of different ways to redeem points and a number of different cards available with varied benefits.
Who is eligible for Chase credit cards?
Many people are eligible for Chase credit cards, but the issuer does have some application quirks to be aware of. Chase enforces an unofficial policy, commonly referred to as the 5/24 rule, which prevents you from getting approved for Chase cards if you've opened five or more credit cards with any bank in the last 24 months. Also, Chase now only allows you to have one Sapphire card at a time, so you'll have to choose one or the other. You're also not eligible if you've earned the bonus on any Sapphire card in the past 48 months.
Are Chase cards worth it?
Chase credit cards are worth it for most customers. If you're looking for a new Chase card to boost your stash of Chase Ultimate Rewards® points, or you're interested in getting access to new benefits or perks, it's worth considering a new Chase card — just make sure that you know how opening a new card for the welcome bonus or benefits can impact your credit score calculation. Often, the benefits you'll receive can be worth far more than the card's annual fee, and even no-annual-fee options come with valuable perks.
Best Chase Card Overall for Travel Rewards
Chase Sapphire Preferred® Card
Why the Chase Sapphire Preferred is worth it: The Chase Sapphire Preferred® Card has a reasonable annual fee and great benefits, and comes with an excellent welcome bonus offer.
The Sapphire Preferred offers a substantial welcome bonus offer for a moderate annual fee. It earns 5x points on travel purchased through Chase Ultimate Rewards® (2x points on all other travel purchases), 3x points on dining, 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs), 3x points on select streaming services, and 1 point per dollar on everything else.
Why the Chase Sapphire Reserve is worth it: The Chase Sapphire Reserve® makes it easy to earn rewards for travel and more with a great welcome bonus offer and a lucrative points-earning scheme.
With 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® (after earning the $300 travel credit), 3x points on other travel and dining, and 1 point per dollar on everything else, the Sapphire Reserve earns points quickly through your everyday spending, and it comes with a slew of perks.
However, while the airport lounge access can be great, most Priority Pass lounges are in international terminals, which isn't helpful when you're flying domestically.
The annual fee is $550, but that's offset by up to a $300 travel credit each year, which is good for things like taxis, subway fares, parking, tolls, and flights.
There aren't many downsides to this card — besides the upfront annual fee. Chase has invested heavily in making the Chase Ultimate Rewards® program competitive. Booking flights by transferring points to frequent flyer partners is generally more lucrative — that's usually how people use points to fly in first and business class — but it can be complicated because you have to decipher award charts, find availability, and work around often complex airline rules.
However, because the Sapphire Reserve allows you to get 1.5 cents for each point when you book paid travel through the Chase Ultimate Rewards® travel portal, there's a simpler and still-valuable option.
Why the Chase Freedom Unlimited is worth it: The Chase Freedom Unlimited® helps you earn points for everyday purchases and get cash back with no annual fee.
If you already have the Sapphire Reserve or the Sapphire Preferred and are saving your points for a redemption, the Freedom Unlimited can give your balance a nice boost. While Chase markets the card as "cash back," it actually earns Chase Ultimate Rewards® points that you can redeem for cash, gift cards, travel, and more (1 point = 1 cent).
If you have a premium card like the Sapphire Reserve, you can pool your points from the two cards. The Freedom Unlimited earns a minimum of 1.5% cash back (or 1.5 points per dollar spent), so paired with a Sapphire Reserve, it's a great card to use for purchases that aren't made on travel expenses or dining.
The Freedom Unlimited also earns 5% cash back on travel booked through Chase and 3% back on dining and drugstore purchases.
Best of all, the card has no annual fee and comes with a 0% intro APR on purchases and balance transfers for the first 15 months. After that, there's a 20.49% - 29.24% Variable APR. If you have a major purchase ahead of you, that introductory offer can be useful.
The Chase Freedom Unlimited is a fantastic all-around card. However, to get the most value when it's time to spend your points, you need the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred® Credit Card, too, so you can pool your points. Otherwise, points are only worth 1 cent each no matter how you use them and they can't be transferred to airline or hotel partners.
Why the Chase Freedom Flex is worth it: The Chase Freedom Flex℠ offers 5% cash back or 5x points on up to $1,500 of spending in categories that rotate each quarter when you activate (then 1%), in addition to 5% back on travel booked through Chase Ultimate Rewards®, 3% back on dining and drugstore purchases, and 1% back on everything else
Just like the Chase Freedom Unlimited, the Chase Freedom Flex℠ is marketed as a cash-back card, but actually earns Chase Ultimate Rewards® points that you can redeem for cash, gift cards, and travel (1 point = 1 cent). You can combine them with Chase Ultimate Rewards® earned from a different card, which gives you the option to get a bonus when redeeming them for travel or transfer them to travel partners.
The key feature of the Chase Freedom Flex℠ is that it earns 5% cash back (5x points) on up to $1,500 spent per quarter once activated in rotating quarterly bonus categories. In the past, quarterly categories have included Amazon, grocery stores, and gas stations. From July 1 to September 30, the Chase Freedom quarterly bonus categories are gas stations, electric vehicle charging, and select live entertainment.
However, that's not where the bonus cash back ends; the Chase Freedom Flex℠ also earns 5% cash back (with no cap) on travel purchased through Chase Ultimate Rewards®, 3% back on dining and drugstore purchases, and 1% back on everything else.
It doesn't have an annual fee, and there's a 0% intro APR on purchases and balance transfers for the first 15 months (with a 20.49% - 29.24% Variable APR afterward).
Why the Chase Ink Business Preferred is worth it: The Ink Business Preferred® Credit Card helps small business owners rack up points quickly, and combine them with points earned on their personal cards.
The card, which has a $95 annual fee, earns 3 points per dollar on the first $150,000 you spend each cardmember year in select categories, including travel, shipping, internet/cable/phone, and advertising on social media sites or with search engines, such as Google Ads. Purchases after you reach $150,000, or in any other category, earn 1 point per dollar.
Unless you operate a small business that's on the larger side, chances are you won't hit that cap for bonus rewards. The card's welcome bonus is a great value — you'll earn 100,000 points after spending $8,000 on purchases in the first three months from account opening — worth $1,250 toward travel booked through Chase Ultimate Rewards®.
Like with the Sapphire Preferred, you'll get a 25% bonus when using points from your Ink Preferred to book travel directly with Chase. Of course, if you pool them on your Sapphire Reserve card, that bonus will be 50% instead.
The card comes with a handful of other perks, many of which overlap with the Sapphire Preferred and Sapphire Reserve, such as trip cancellation and interruption insurance, primary car rental coverage, and various purchase protections. It also comes with cell phone insurance when you use the card to pay your phone bill, offering up to $1,000 for each covered claim, with a $100 deductible, up to three times per 12-month period.
Best Chase Card for Small-business Bonus Categories
Ink Business Cash® Credit Card
Why the Chase Ink Business Cash is worth it: The Ink Business Cash® Credit Card offers a welcome bonus worth potentially $1,350 in travel (as you'll see in a minute). That's incredible for a no-annual-fee business card. And if your spending lines up with the card's 5x bonus categories, you could earn a huge amount of points annually.
The Ink Business Cash® Credit Card is an excellent option if you prefer a no-annual-fee small-business card, especially if your business spends a lot in certain categories. Along with $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening, cardholders earn 5% cash back (5x points) at office supply stores and on internet, cable, and phone services, and 2% cash back (2x points) at gas stations and restaurants. You'll earn 5% and 2% in these categories on the first $25,000 in combined purchases each account anniversary year (then 1%), and 1% cash back (1 point per dollar) on all other purchases with no caps.
Although this card is marketed as a cash-back credit card, it actually earns Chase Ultimate Rewards® points, which are worth 1 cent each when you redeem them for cash back, gift cards, or travel through the Chase travel portal. However, if you also have the Ink Preferred, Sapphire Preferred, or Sapphire Reserve, you can combine your points and unlock more valuable redemptions, including transfers to airline and hotel partners.
Cardholders also receive a good selection of benefits, including primary car rental insurance (when renting for business purposes), extended warranty, purchase protection, and travel emergency assistance services. There's a 0% intro APR on purchases for the first 12 months, followed by a 18.49% - 24.49% Variable APR.
Best Chase Card for Small-business Flat-Rate Rewards
Ink Business Unlimited® Credit Card
Why the Chase Ink Business Unlimited is worth it: If you're looking for a straightforward small-business card with intro APR and no annual fee, the Ink Business Unlimited® Credit Card is a solid pick. There are no bonus categories to keep track of. It also offers the same bonus as the Ink Business Cash® Credit Card — worth potentially $1,350 in travel.
Small-business owners who prefer simplicity or who spend a lot on purchases that don't fall under typical bonus categories should consider the Ink Business Unlimited® Credit Card. There are no bonus categories or spending caps to keep track of — instead, all purchases earn 1.5% cash back (1.5x points) with no limits.
The welcome bonus offer is especially good for a no-annual-fee card: $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. In addition, cardholders receive a 0% intro APR on purchases for the first 12 months (then a 18.49% - 24.49% Variable). Other benefits include primary car rental insurance (when renting for business purposes), extended warranty, purchase protection, and travel emergency assistance services.
Similar to the Ink Business Cash® Credit Card, the points you earn from the Ink Business Unlimited® Credit Card can be more valuable if you pool them into an Ink Preferred, Sapphire Preferred, or Sapphire Reserve account.
Jasmin Baron was an editor at Insider, responsible for credit card coverage on Personal Finance Insider. Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs.Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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