Kendall Morris, Credit Cards Moderator
@kendallmorris
There are different types of Chase credit cards for travel rewards and cash back. There are also different Chase cards for consumers and small business owners. Some Chase credit cards charge annual fees while others don’t, and those often have 0% APRs too. Still other Chase cards are affiliated with airlines and hotels. So, there are lots of ways to look at it.
You could say there are three types of Chase cards: personal, business and co-branded. The Amazon.com Credit Card, the British Airways Credit Card and the Marriott Bonvoy Boundless™ Credit Card are examples of Chase co-branded cards. Or, you could make the case that there are just two types of Chase credit cards: those for people with good or excellent credit, and those for excellent credit only. However, there are no types of Chase credit cards available for students or people with lower credit scores.
Main types of Chase credit cards:
- 0% APR: Chase Freedom Flex℠, Chase Freedom Unlimited®, and certain Ink business cards.
- Travel Rewards: Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and co-branded airline and hotel cards.
- Cash Rewards: Chase Freedom Flex℠, Chase Freedom Unlimited®, Amazon.com Credit Card and more.
- No Annual Fee: Chase Freedom Flex℠, Chase Freedom Unlimited®, Ink Business Cash® Credit Card and several more Chase cards come with a $0 annual fee.
- Business: Ink Business Cash® Credit Card, Ink Business Preferred® Credit Card and Ink Business Unlimited® Credit Card.
All Chase cards except for the IHG® Rewards Club Premier Credit Card, the IHG® Rewards Club Traveler Credit Card and the Chase Freedom Flex℠ are on the Visa network. Other than that, the most popular types of Chase credit cards are rewards, travel, and no foreign transaction fee. Several cards fit into more than one category. One example is the Chase Sapphire Preferred® Card. It falls under six different groups. They include Visa, travel and a $0 foreign transaction fee.
Although Chase may seem to have credit cards for just about every need, there are none for building credit. So, people with bad, limited, or fair credit might need to look elsewhere. Fortunately, Chase lets you check for pre-approval. There’s no guarantee you’ll be approved if you’re pre-approved, but the odds are in your favor.

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@joeybule
There are two types of credit cards: ones worth applying for and ones you ignore. Most of Chase’s are worth applying for…under the right circumstances.
You just have to pick the right one for you. Like, if you don’t travel a lot, you’ll want Freedom or Freedom Unlimited, not Sapphire Preferred or Reserve.
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