There are no Chase charge cards. A charge card is a type of credit card where the cardholder must pay off the balance in full every month. Chase does not offer any cards that meet this description. All Chase credit cards allow the cardholder to carry a balance between months in return for paying interest. American Express is the only major credit card issuer that currently offers charge cards. Chase does have a range of excellent regular credit cards, though.
Best Chase credit cards to pay in full every month:
Even though Chase cards don’t make you pay in full every month, you can still say that you “charge” purchases to your Chase credit card. Chase cards can also be used to make a “charge” indirectly through Chase Pay. The app lets you make purchases without swiping, dipping or waving your card, but the purchases still get charged to your account like normal.
The best Chase credit card to use the same way as a charge card is Chase Sapphire Reserve. It offers 3 points per $1 spent on travel and dining and 1 on all other purchases. It also gives a $300 annual travel credit, plus a bonus of 50,000 points for spending $4,000 in the first 3 months the account is open. Reserve has a $550 annual fee, but the perks more than make up for it. If you always pay your balance in full on Sapphire Reserve and treat it as a charge card, its rewards go straight into your pocket every month without being diminished by a high interest rate.
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