The best Chase unsecured credit card is Chase Freedom Unlimited®. It's a great all-rounder that offers extensive cash back rewards coupled with an attractive financing offer and a $0 annual fee.
The majority of Chase credit cards are designed specifically for customers with good credit or better. Chase offers some of the most sought-after credit cards on the market. But which one is the best can be viewed as a matter of personal preference, depending on your individual needs.
Here are the best Chase unsecured credit cards:
The Chase Freedom Unlimited card offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). The card also comes with an Introductory purchase APR of 0% for 15 months. The regular APR is 17.99% - 26.74% (V), based on creditworthiness. Chase Freedom Unlimited also features a $0 annual fee. The credit score requirement is 700 at a minimum. That means you need good credit or better for approval.
The Chase Sapphire Preferred card offers 60,000 bonus points for spending $4,000 in the first 3 months. With this card, you can also 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. It has $0 foreign transaction fee and a $95 annual fee. The credit score requirement is 700 at a minimum. That means you need good credit or better for approval.
The Chase Freedom Flex card is a good option for those with changing spending habits, due to its rotating bonus categories. The card offers $200 for spending $500 in the first 3 months. Plus, you can earn 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. It also comes with an introductory purchase APR of 0% for 15 months. The card’s regular APR is 17.99% - 26.74% (V), based on creditworthiness. The annual fee is $0. The credit score requirement is 700 at a minimum. That means you need good credit or better for approval.
The Freedom Student offers $50 after your first purchase made in the first 3 months. Plus, you can earn 1% cash back on all purchases. It has a $0 annual fee. Students with limited credit (less than 3 years of credit history) are eligible for approval.
It is worth noting that all Chase credit cards are unsecured. In fact, there’s never been a secured credit card from Chase. And except for the Freedom Student, all Chase credit cards are designed for people with at least good credit.
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