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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Eddie A @adkinseddie73
My Credit Score bottomed out at 560 two years ago. It started with a few missed mortgage loans on rentals and ended in bankruptcy. I couldn’t get a loan for a car, a roof over my head; I couldn’t have gotten a loan for a gum. When I started getting credit card offers, they were for interest rate of almost 30% a year. I’ve tried different credit companies to fix my credit all to no avail. A month ago I saw a 5 star review on credit karma about METRONET CREDIT SOLUTION. After careful deliberation, I texted them via (205 518 3032 and also wrote them via [email protected]). They promised to fix my credit in 9days which they actually did, but in 11days. Right now my score is at 798 and every negative item has been erased. I rate METRONET 5 STAR for their great job…
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James @jamess_766
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4 Star Rating
Verified Customer
Good card card with great value to me. This Chase card has good starting credit. Chase was very fair in giving me more credit when asked.
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Yvonne @dpvols
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5 Star Rating
Verified Customer
This is a promtional 0.00% card that I found on WalletHub. I had been wanting a cashback card & this one was highly recommened by WalletJub & other places that I read about it.
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_ickkuiken42 @_ickkuiken42
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1 Star Rating
My wife and I have credit scores around 800-830 b/w the two of us (thought I would start with this as to dispel any negative thinking about us from the reader - you). I had a Chase Prime card for quite some time and it was cancelled a few months back. I called Chase because I couldn’t use the card but I had not received my letter of cancellation yet. The company representative could not tell me why it was cancelled and when I finally received my letter it didn’t give an explanation - just said it was cancelled. I have called a couple more times in hopes that someone else could help me but the answer is floating somewhere in limbo. My wife’s Chase card (different account) was also cancelled around the same time with similar info given, or lack there of… I than applied for another Chase card, for both my wife and I, and went through the entire application process. We received our new joint cards after our application went through underwriting… so we thought we were good to go. I began to use my card and it again stopped working. I immediately called and they told me that it was put on hold and being reviewed because of the amount of money that was being used on it - something to do with making sure I wasn’t laundering money. Apparently I passed the test to find out that our new account was also closed and cards cancelled shortly there after. I kid you not.. The letter we received for these new cards said that these cards were cancelled for the same reason as the last cards. WHAT DOES THAT MEAN??? We tried to call again and were both told that they didn’t have that info and couldn’t tell us. Here are my thoughts and I could care less as to what the company rep claims… I run as many of my bills, payments and purchases as I possibly can to gain the reward points for cash back to the card - I don’t succumb to their deals as I’d prefer to just have cash back and make my own decisions on what to use it on. I pay my card off every month without fail. I feel as if they are cancelling my cards b/c they are not making enough on our family. I would love to hear the real reason if this is not, in fact, the reasoning behind all this wasted-time crap. I don’t ever plan to use Chase again… there are way to many other cards available to deal with this time and time again! We are going to try the Discover It card and am already excited to put Chase in the rear view!
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Natalie @nataliec9
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5 Star Rating
Verified Customer
I use the credit card monitoring services and various other services they offer. I am able to review everything I need to via mobile as well.
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andream1 @andream1
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5 Star Rating
Verified Customer
I LOVE IT! IT'S MY FAVORITE GO TO CARD! Love all the extra perks like cash back at Macy's, QVC, just to name a few...constant cash back rewards always coming your way with Chase Freedom. 5% cash back at Restaurants Everyday! Love my Chase Freedom Rewards card...it's my Fave! ???
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Lori Trojak @_hetrojaks
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1 Star Rating
Chase does not support you if you have a problem with a vendor. One of the large companies double billed me - easy to see with the invoices. I was told by that company that they would reimburse but they did not. Went back and forth with Chase for 6 months (who credited my account to correct initially) and they not only allowed both charges to remain but worst of all - they snuck it back into my balance without any notation or word to me. I found it after trying to figure out how my Quicken balance could be different from the online balance. An hour later and a call to Chase and I figured it out. Shame on them just trying to quietly sneak it back into my balance. I am dropping the card. Amex and other companies stand by their consumers - especially on obvious errors. Shocked Chase did not do the same. I rarely have any disputes but when something like an incorrect double billing occurs, I do expect my credit card company to review and support me. LOL -- That large company I refer to above is Amazon and around the same time as the double billing I also purchased new summer sandals. I was sent clearly used dirty and worn (tread was run down) sandals. I realize things are bad right now and I back down from a lot of issues including the sandals which we threw out for $80 after registering a complaint. But double billing?? I am cancelling everything with Chase.
I love Chase. The card is convenient and I do not mine paying the monthly on time. I most use it Amazon products, in which I enjoy shopping with them.
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LLoyd @lloydc
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3 Star Rating
Chase is to particular they don't give credit too anyone who doesn't score 700 they don't even give their own customers a look at my wife has had a checking and savings account with THEM AND SHE HAS A CREDIT SCORE OF 650"
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 5 points / $1 spent on all other purchases. The Chase Sapphire Preferred card also has an initial bonus of 60,000 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 $750 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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