Most Chase credit cards are on the Visa network. However, there are also a few Chase cards on the Mastercard network, such as the Chase Freedom Flex card. The network varies by card, so your Chase credit card can be either a Visa or Mastercard.
Whether you have a Visa or Mastercard credit card doesn’t make much of a difference because both card networks are accepted at nearly all merchants that take credit cards. Given the minimal differences in card acceptance, it’s safe to put more emphasis on unique rewards and benefits when comparing Chase cards.
What you should know about the Chase Sapphire cards:
Card acceptance: Chase Sapphire Visa cards are accepted by millions of retailers in over 200 countries and territories. Almost every merchant that takes credit cards accepts Visa. And most people with a credit card have a Visa. There were … read full answer361 million Visa credit cards in circulation at the end of 2021.
Visa benefits: Having a Chase Sapphire Preferred or Chase Sapphire Reserve also entitles you to a wide range of Visa benefits. This includes rental car insurance, travel insurance, and low currency conversion rates for international purchases.
In particular, you’ll enjoy Visa Signature benefits with Chase Sapphire Preferred, while Chase Sapphire Reserve comes with Visa Infinite benefits. Visa Infinite provides some additional perks, including extended travel insurance and a special concierge.
Additional perks: Both Chase Sapphire cards also stand out among Visa cards because of their great rewards. Moreover, they are among the best travel rewards credit cards on the market. Chase Sapphire Preferred, for instance, offers 60,000 bonus points for spending $4,000 in the first 3 months, plus 1 - 5 points per $1 spent on purchases.
The Chase Sapphire Reserve offers 60,000 bonus points for spending $4,000 in the first 3 months, plus 1 - 10 points per $1 spent on purchases. These cards also come with a $0 foreign transaction fee, which makes them ideal travel companions.
Keep in mind that credit cards do change card networks from time to time. If your network ever changes in the future, you’ll automatically be issued a new card.
Chase Freedom Flex is a Mastercard credit card. Because Chase Freedom Flex is a World Elite Mastercard, it can be used anywhere in the world and comes with some great benefits, including free cell phone protection and several retail discounts.
Chase Freedom Unlimited® is a Visa, not a Mastercard. You can use your Chase Freedom Unlimited Card at nearly 11 million merchants that accept Visa nationwide, and you can use it abroad in more than 200 countries and territories.
There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including … read full answerextensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.
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