Best Chase Credit Cards

Why We Like It: Chase Freedom Unlimited® is the best Chase credit card for cash back because it rewards cardholders with 1.5 - 5% cash back on purchases. Chase Freedom Unlimited also gives an extra 1.5% cash back on all purchases, up to $20,000 spent in the first year. In other words, Chase Freedom Unlimited gives you about 50% more than the average cash back credit card, at a minimum, and has the potential to be many times more rewarding.
 
In addition to the rewards, Chase Freedom Unlimited offers introductory APRs of 0% for 15 months on purchases and balance transfers and has a $0 annual fee. It’s one of the most well-rounded credit cards on the market right now.
 
What We Don’t Like: The regular APR that takes effect when the intro rate expires can be pretty high, so plan to pay your bill in full monthly from that point on.
 
Who Should Get It: Apply for Chase Freedom Unlimited® if its bonus rewards categories and introductory financing promotions suit your spending and payment habits – particularly if you’re looking for one do-it-all credit card. You also need a 700+ credit score for good approval odds.

Why We Like It: Chase Freedom Flex℠ is the best Chase credit card for ongoing rewards of up to 5% cash back. It gives 5% cash back on gas station and grocery store purchases (excluding Target and Walmart) up to $12,000 combined spent in the first year, 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1% back on all other purchases.

Chase Freedom Flex has an introductory APR offer of 0% for 15 months and a $0 annual fee, too.
 
What We Don’t Like: This card’s regular APR can be pretty high. Plus, you have to sign up for new bonus categories each quarter if you want to maximize your rewards.
 
Who Should Get It: Consider applying for Chase Freedom Flex℠ if you’re comfortable booking travel through Chase Ultimate Rewards and activating new 5% bonus categories four times per year. You also need Good credit or better.

Why We Like It: The Chase Sapphire Preferred® Card is the best Chase credit card for travel rewards. For starters, you can get an amazing initial bonus if you spend at least $4,000 within 3 months of opening an account. The bonus is 60,000 points, worth $750 in travel booked through Chase Travel. That’s about twice as big as the average initial bonus available right now.
 
Chase Sapphire Preferred also gives 1 - 5 points per $1 in rewards on purchases. Specifically, you will earn 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. All things considered, you could save more than $2,000 in the first two years you have this card.
 
What We Don’t Like: There is a $95 annual membership fee, but it can be a worthy investment if you enjoy the bonus rewards and pay the bill in full monthly to avoid expensive interest charges.
 
Who Should Get It: Apply for Chase Sapphire Preferred if you have Good credit or better, you like to travel, and you will be able to comfortably afford the spending requirement for the initial bonus.

Why We Like It: Chase Sapphire Reserve® is the best Chase credit card for frequent travelers who want to earn luxury travel rewards and benefits. It offers an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months, worth $900 in travel through Chase.

Chase Sapphire Reserve also gives a $300 travel credit each year and rewards cardholders with 1 - 10 points per $1 spent on purchases. Cardholders get access to 1,300+ airport lounges, too.

What We Don’t Like: Chase Sapphire Reserve has a $550 annual fee and high regular APR.

Who Should Get It: Apply for Chase Sapphire Reserve if you have Excellent credit, you can easily qualify for the initial bonus, and you travel frequently.

Why We Like It: The IHG One Rewards Premier Credit Card offers an initial bonus of 140,000 points for spending $3,000 in the first 3 months. Those points are worth around $1,120, per WalletHub’s calculations. You will also earn 10 points per $1 spent at IHG hotels, 5 points per $1 at gas stations, restaurants and on travel, as well as 3 points per $1 on all other purchases.

What We Don’t Like: The IHG One Rewards Premier Credit Card has a $99 annual fee and a high APR.

Who Should Get It: Apply for the IHG One Rewards Premier Credit Card if you have good credit or better and you frequently stay at IHG properties when you travel. If you don’t want to pay an annual fee, you can opt for the IHG One Rewards Traveler Credit Card instead.
 

Why We Like It: The Southwest Rapid Rewards® Priority Credit Card offers an initial bonus of 50,000 points after spending $1,000 in the first 3 months and 1 - 3 points per $1 spent on purchases. If you take full advantage of these rewards, you could save more than $2,000 in just the first two years you have the card, according to our calcultations.

What We Don’t Like: The Southwest Rapid Rewards® Priority Credit Card has a $149 annual fee. There’s also a high APR. Neither has to cost you money at the end of the day, though. Earning rewards and paying the bill in full monthly can still lead to lots of savings.

Who Should Get It: Apply for this card if you have good credit or better and you’ll be able to fly with Southwest when you travel. This is the best Southwest credit card overall.

Chase also offers some other good options with lower annual fees and decent rewards for lighter spenders and less frequent travelers. They include the Southwest Rapid Rewards® Premier Credit Card and the Southwest Rapid Rewards® Plus Credit Card.

Why We Like It: The United Quest℠ Card offers an initial bonus of 60,000 miles after you spend $4,000 in the first 3 months. Those bonus miles are worth around $684, according to WalletHub’s calculations. You will also earn 3 miles per $1 spent with United, 2 miles per $1 spent on travel, select streaming services and at restaurants, and 1 mile per $1 spent on all other purchases.

What We Don’t Like: The United Quest℠ Card has a $250 annual fee and a high APR. That said, annual fees and high interest rates are common among airline credit cards.

Who Should Get It: Apply for this card if you have good credit or better and you want to quickly earn free airfare with United Airlines.

If you are not a very frequent flyer and you want a low annual fee United credit card that can also provide decent rewards, opt for either the United Gateway℠ Card or the United℠ Explorer Card. On the other hand, if you are a very high spender, the United Club℠ Infinite Card would better suit your needs.
 

Why We Like It: The World of Hyatt Credit Card offers an initial bonus of 30,000 points for spending $3,000 in the first 3 months. You will also earn 1 - 4 points per $1 spent on purchases if you decide to get this card. As a result, you can save more money with the Hyatt Credit Card than any of Chase’s other hotel credit card offers. By our calculations, the average cardholder could save more than $5,000 in just two years with this card.

What We Don’t Like: The annual fee is $95. There’s also a high APR. Fortunately, forking over the former unlocks a lot of valuable rewards, while the latter can be avoided by paying your bill in full monthly.

Who Should Get It: Apply for this card if you have good credit or better and you’ll be able to stay at Hyatt properties when you travel.

Why We Like It: The Marriott Bonvoy Boundless® Credit Card offers an initial bonus of 3 Free Night Awards for spending $3,000 in the first 3 months – with each night worth up to 50,000 points. You will also earn 6 points per $1 spent at participating Marriott hotels, 3 points per $1 spent at gas stations, restaurants and grocery stores (up to $6,000 combined per year), and 2 points per $1 on all other purchases.

What We Don’t Like: This card has a $95 annual fee. There’s also a high APR.

Who Should Get It: Apply for this card if you have good credit or better and you prefer staying at Marriott properties when you travel.

The Marriott Bonvoy Boundless® Credit Card is the best Marriott credit card overall, but Chase and Marriott also have some alternatives tailored to different spending habits and travel needs. Specifically, the Marriott Bonvoy Bountiful™ credit card is good for frequent travelers seeking extra perks, and the Marriott Bonvoy Bold® Credit Card is a no annual fee option.
 

Why We Like It: The Chase Slate Edge℠ offers an introductory APR of 0% for 18 months on purchases and balance transfers. That adds about half a year to the average interest-free period. Plus, Slate Edge has a $0 annual fee.
 
What We Don’t Like: The Chase Slate Edge℠ has a regular APR of 20.49% - 29.24% (V), and balance transfers are subject to a transfer fee of Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after).
 
Who Should Get It: Consider applying for the Chase Slate Edge℠ if you have good credit or better and you want to avoid expensive interest charges for a long time.

Why We Like It: The Chase Freedom Rise℠ is the best Chase credit card for beginners because it accepts applicants with limited credit history, has a $0 annual fee, and gives rewards of 1.5% cash back on all purchases on all purchases. It can save you a lot of money and help you build credit, provided you use it responsibly and pay the bill on time every month.

What We Don’t Like: Carrying a balance from month to month will result in expensive interest charges, so it’s a good idea to pay your bill in full monthly.

Who Should Get It: Consider applying for the Chase Freedom Rise℠ if you’re a student with limited credit experience and you want to save money while you build credit.

Why We Like It: The Ink Business Premier® Credit Card is the best Chase credit card for business right now because it offers a $1,000 initial bonus, along with up to 5% on purchases normally. To get that initial bonus, you must spend $10,000 within 3 months of opening an account.
 
What We Don’t Like: This card’s regular APR isn’t exactly low, at Flex for Business APR: 19.49% - 27.49% (V) depending on your overall creditworthiness. In addition, you can only get its maximum rewards rate when booking travel through Chase. It also charges a $195 annual fee. 
 
Who Should Get It: Consider applying for Ink Business Premier if you have Good credit or better personally and your company’s spending matches up well with the card’s bonus rewards categories. 

Why We Like It: The Ink Business Preferred® Credit Card offers an initial bonus of 100,000 points for spending $8,000 in the first 3 months. These points are worth up to $1,250, according to WalletHub’s calculations. You will also earn 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases.
 
 What We Don’t Like: The Ink Business Preferred® Credit Card has a high APR and an annual fee of $95. It also caps the number of points you can earn in bonus rewards categories.
 
Who Should Get It: Consider applying for Chase Ink Preferred if you have good credit or better personally and you’ll be able to qualify for the initial bonus with your normal business spending.
 

Why We Like It: The Ink Business Cash® Credit Card is the best cash back business credit card from Chase because it offers lots of bonus rewards. You can get an initial bonus of $350 for spending $3,000 in the first 3 months plus an additional $400 after spending $6,000 in the first 6 months. You will also earn 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined; and 1% back on all other purchases.
 
The Ink Business Cash® Credit Card even offers an introductory APR of 0% for 12 months on purchases. It has a $0 annual fee, too.
 
What We Don’t Like: The Ink Business Cash® Credit Card has a regular APR of 18.49% - 24.49% (V).

Who Should Get It: Consider applying for the Ink Business Cash® Credit Card if you have good credit or better personally and you want to earn bonus cash rewards on office supplies and telecom services without paying an annual fee. 
 

Why We Like It: The Ink Business Unlimited® Credit Card comes with a $0 annual fee and unlimited cash rewards. It offers 1.5% cash back on all purchases, along with an initial bonus of $750 for spending $6,000 in the first 3 months. You can even avoid interest on purchases for a while, thanks to the cards introductory APR offer: 0% for 12 months.
 
What We Don’t Like: The Ink Business Unlimited® Credit Card has a high regular APR, so you shouldn’t use it to finance big-ticket company purchases after the introductory promotion.
 
Who Should Get It: Consider applying for the Ink Business Unlimited® Credit Card if you have good credit or better personally and you want to earn unlimited cash rewards at a flat rate on all business purchases.
 

Why We Like It: The Prime Visa offers an initial bonus of $100 Amazon Gift Card instantly upon approval. You will also earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership, 5% back on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), as well as 1% back on all other purchases.
 
 What We Don’t Like: The Prime Visa has a high APR, and you need to have a Prime membership.
 
Who Should Get It: Consider applying for the Prime Visa if you have good credit or better, you have a Prime membership and Amazon is your go-to shopping website. If you do not have a Prime membership, you can check out the Amazon Credit Card.
 

Why We Like It: The Instacart Mastercard® offers an initial bonus of $100 Instacart credit automatically upon approval. It also gives 5% cash back on Instacart.com and Instacart app purchases, 5% back on purchases made through the Chase Travel Center, 2% back at restaurants, 2% back at gas stations, 2% back on select streaming services, and 1% back on all other purchases.
In addition to its attractive rewards, the Instacart Mastercard® provides a free year of Instacart+. It has a $0 annual fee, too.
 
 What We Don’t Like: The Instacart Mastercard® has a high APR.
 
Who Should Get It: Consider applying for the Instacart Mastercard® if you have good credit or better and you use Instacart.

People who use DoorDash and wish to earn bonus rewards for DoorDash purchases instead can check out the DoorDash Rewards Mastercard®.