Chase credit card reviews are mostly positive, with two-thirds of the user ratings on WalletHub giving Chase credit cards either four or five stars. Among the Chase credit cards with the best reviews are Chase Freedom Unlimited® and the Chase Sapphire Preferred® Card, which are very popular due to their attractive rewards. In general, credit cards from Chase (a WalletHub partner) are known for offering standout rewards or low introductory APRs, and many also have $0 annual fees. Nearly all Chase credit card offers require good credit or better for approval, too, as you’ll learn below. If you have a question about an existing Chase credit card account, you can reach the Chase credit card customer service department at 800-432-3117.
Below, you can compare the latest Chase credit card offers, read customer reviews and more. For additional insights, check out our editors’ picks for the best Chase credit cards right now.
If you have good or excellent credit and a family member with a Disney affinity, the Disney Premier Credit Card could ultimately provide some magical savings. You’ll receive a $100 initial bonus for spending at least $500 within the first three months of account opening, in addition to 2% back on Disney purchases as well as at gas stations, restaurants and grocery stores, plus 1% back on everything else. Your earning potential therefore depends on how much you spend in those bonus categories. Your ability to redeem your earnings, on the other hand, will depend on how often you make Disney purchases or indulge in air travel — your only two redemption options. Considering that lack of flexibility and the impressive value available elsewhere in the rewards-credit-card market, even ardent Disney fans may find a non-cobranded card to be more to their liking. If you’re on the fence, you can learn more about this offer from our full-length Disney Credit Card review: https://wallethub.com/edu/disney-credit-card-review/25988/.
Sapphire Preferred is the card of choice for people who travel frequently but not enough to pay the enormous annual fees that some luxury travel cards charge. Preferred's fee is manageable and is covered for multiple years by the initial bonus. In addition, this card rewards travel well while still having a decent return on non-travel purchases. The lack of a foreign transaction fee makes it great to use abroad, as well.
@andron311 Crazy. I know ..right. I have been with them since 2014. Today they dropped me down $5900.00. I have less than 10% credit line utilization so I asked why and they said I had missed payments via Experian soft pull. I have 100% payment history???? So I asked them to bump it back up, my credit line and they said not without a hard pull...I said no way and we parted ways. Poor business practice.
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Clarissa F @clari
@andron311 same thing happened to me right after I made a huge payment. SHAME ON THEM!
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Samuel Arroyo @samuel_arroyo26
All Chase knows how to do is screw customers and then have the nerve to say that they value their customers
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Andrew R @andrewraymond617
I’m Andrew Raymond from Edison New Jersey. My most gratitude goes to rootkits credit specialist. Few months ago, I needed help with my credit I had no where to run to. My life was in shambles because my current credit score was 475 TransUnion 505 Experian 527 Equifax, I wanted I higher score and negative items to be removed. Most of them I don’t have idea why they were there because I never opened account with credit card. I went to the internet in search of help and I found ROOTKITS CREDIT SPECIALIST the credit professional immediately I contacted him through ( 760 474 3440 / rootkitscreditspecialist @ gmail . com). We got started with the process with some few question and a little display of competency as a proof of legitimacy. They good news is that they did all they promised to do (deleted accounts erased all the inquiries and eventually raised my score to 819). Someone might be in similar situation that’s the reason I decided to do this. Cheers!
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ole0754 @ole0754
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They aren't clear and will make you run through hoops before they give you a closing response. We're in a pandemic and I have to work with a schedule to get to the bank. When I was there he acted like I was dumb and made me run back and forth between the bank and my house to close the account, they kept making people make needless appointments and sending people into their office for teller work. I was already in the bank when he sent me home with a number to call and told me to call a number that didn't work (1-866-965-9303). The guy that worked in there told me I had to call them myself but when I asked for the number he told me that he called an internal number and did not provide me with a number to dial. When I was in his office he told me my balance went to a third party and kept telling me it was in a revoked status when it wasn't. We had already discussed which accounts needed to be addressed but he still made it difficult to make the payment and zero the balance to close the balance. He made it so difficult for me to make my payment and sent me home with a number that did not work that I closed all of my accounts with Chase. They also don't pick up the phone and the automatic messaging system said that all the representatives are busy, it's not even a number on the back of the credit card. I called the number on the back of my credit card and I think he was the one that answered it too.
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Dhruvi Shah @dhruvi
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Amazing cash back rewards. Application process is kinda inconvenient and not automatized, no way to track the status of the process before/after approval.
$3500 credit limit, over 4 years spent $3500 in interest, never missed a payment. I Paid off my card when the pandemic started and CHASE reduced my credit to $500. CHASE was the only bank of 17 to do this. Their back office credit department couldn't give a valid reason for reduction but zero interest in reversing their decision. The largest bank in the country and they run it with the ethics of a "boiler room" operation. CHASE BANK only cares about "high net worth clients", they are a horrible bank!! corrupt and predatory. A basic Google search will show the enormous recent settlements for discrimination and illegal business practices. Search how they treated small businesses during the pandemic who applied for PPP funding. The numbers speak for themselves, disgusting. If I had done some basic due diligence I wouldn't have ever done business with this company, I hope my personal experience helps others avoid this dishonest and unethical company.
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Elizabeth @libbatodd
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It was a great card when needed but do not want another card balance. Want to get all my others paid off!! Do not like balances on my cards!!
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Frank @frassettoiii
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Shouldn’t have to pay an annual fee for a Disney card; but if you plan on going, every point helps. They do have a decent interest rate and offer nice tools through their mobile app.
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Herbert @boxnam479
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Great rewards that are easy to use for airline tickets. Southwest Airlines provides a non expiration rewards program that is available for any ticket purchase.
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Prophete @prophetec
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I always wanted to have a discovery Alfredo card, can’t count for how long. And now I finally got it, so even though it’s a secured credit for now lol I’m just playing my part lol.
As of right now I am pleased with the card. I would like a bigger line of credit but it is okay for now. I am approved for another card but not an increase on my line of credit.
Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294
When paying Chase credit card bills by mail, be sure to submit either a check or money order for the payment amount. Chase does not accept cash.
Tips for Mailing Chase Credit Card Payments
Include your credit card number on your payment to avoid processing delays.
Allow enough time for Chase to receive your payment on or before the due date, or it will be considered late.
Send your payment via overnight mail, if necessary. The Chase overnight payment address is:
Chase Card Services 201 N. Walnut Street De1-0153 Wilmington, DE 19801
Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the Chase mobile app, or by calling customer service at 1 (800) 436-7958. Chase also allows in-person payments at local Chase branches. Refer to your card's terms and conditions or cardmember agreement for any additional locations that accept in-person payments.
It takes 7-20 business days to get a credit card from Chase, from the time you apply to when you get your Chase card in the mail. It can take up to 10 business days to receive an application decision, though it's possible you'll be approved instantly if you apply online. And it usually takes 7-10 business days to get a Chase credit card in the mail after approval. But you can get it in 1-2 business days if you ask for expedited delivery. It's free.
Getting a replacement credit card from Chase takes 3-5 business days, in most cases. But, again, you can ask for free expedited delivery and get your card in 1-2 business days.
Here's how long it takes to get a credit card from Chase:
New Credit Card: 7-10 business days after approval (1-2 business days expedited for free).
Replacement Credit Card: 3-5 business days (1-2 business days expedited for free).
Online Approval: Instant approval is possible when you apply for a Chase credit card online. Otherwise, you'll get a decision within 7-10 business days. You can check the status of your Chase credit card application online, too.
Mailed Applications: You'll get a decision within 7-10 business days of Chase receiving your application.
Chase's credit card approval and delivery timeframes are pretty standard. The fastest way to get a Chase credit card in your hands is to apply online.
Consider checking your credit score and using Chase's pre-qualification tool to make sure you have good approval odds. You can also call Chase for free expedited delivery once approved.
A Chase cash advance generally costs either $10 or 5% of the amount of each transaction, whichever is greater. Some exceptions are Chase's business credit cards, as well as some co-branded cards. Moreover, interest begins accruing on a cash advance immediately; the Chase cash advance APR is 24.99% (V) for most cards, which is a lot higher than each card's regular APR.
Here's what you should know before getting a chase cash advance:
Chase Cash Advance Fee:Either $10 or 5% of the amount of each transaction, whichever is greater. This goes for the vast majority of the cards.
Chase Cash Advance APR:24.99% (V) for most Chase credit cards. This rate kicks in right when you withdraw the money.
PIN: A PIN is required to get a Chase credit card cash advance at an ATM. You can call the number on the back of your card to request a PIN from Chase customer service.
How to Do It: You use your Chase credit card like a debit card to get money from an ATM. Your cash advance balance is the amount you withdraw, plus the cash advance fee.
Limits: Many cards have a separate cash advance limit, which is a portion of their overall credit limit. For example, while your limit might be $1,000, if your cash advance limit is 10%, you'll only be able to withdraw $100.
So, to put it simply, cash advances are expensive. You really should avoid them entirely unless you're in an emergency situation and a cash advance is your only option. If you do have to make one, you can't avoid the fee, but you can prevent a lot of the interest if you repay your balance right away. But you should also know that cash advances will look bad to your issuer, and could also hurt your chances of getting a credit limit increase in the future.
The best Chase travel credit card is the Chase Sapphire Preferred® Card because it offers 5 points per $1 spent on qualifying Lyft rides through March 2022, and 1 point / $1 to 2 points / $1 spent on all other purchases. The Chase Sapphire Preferred card also has an initial bonus of 100,000 points for spending $4,000 in the first 3 months.
In addition, the Chase Sapphire Preferred card offers key travel-related benefits such as trip delay reimbursement, trip cancellation / interruption insurance, and baggage delay insurance. And with a $0 foreign transaction fee, you won't be charged extra on purchases made abroad. The annual fee is $95.
The best luxury credit card is Chase Sapphire Reserve® because it has an initial bonus worth up to $900 in travel, gives a $300 annual travel credit, and provides a complimentary airport lounge membership. But luxury comes at a cost, and Chase Sapphire Reserve charges a $550 annual fee.
The most popular luxury card on the market is The Platinum Card® from American Express. It offers free membership to 7 major airport lounge networks, a $200 annual credit for fees on a pre-selected airline, and a $100 annual statement credit for Saks Fifth Avenue purchases, when enrolled. Plus, there's a 100,000 points initial bonus for spending $6,000 in the first 6 months and 5 points per $1 spent on flights (up to $500,000 spent per year) booked directly with airlines or with American Express Travel, and prepaid hotels booked through Amex. The annual fee is $695.
But the most famous of all luxury cards is the Centurion® Card from American Express. Also known as the “Black Card,” it's invite only, so not just anyone can apply. Not a ton is known about it other than that. Fortunately, there are plenty of other luxury credit cards to consider, too.
When you're comparing luxury credit cards, the devil is in the details. There are plenty of cards with luxury prices but pedestrian perks. So, you need to make sure the rewards and benefits that you get far outweigh the cost.
People who want to get a luxury credit card without shelling out a lot of money should consider the Capital One Venture Rewards Credit Card card. It offers top-notch travel rewards and only costs $95 per year.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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