Chase credit card reviews are mostly positive, with two-thirds of our users rating Chase credit cards either four or five stars out of five. Credit cards from Chase (a WalletHub partner) will offer you standout rewards, low introductory APRs or both, and many also have $0 annual fees.
While most people have good things to say about Chase cards, some people do have complaints about things like high interest rates, credit limit decreases and trouble filing disputes. In addition, most Chase cards are out of reach if you don't have good or excellent credit. Still, Chase has the fifth-highest customer satisfaction rating among major credit card issuers.
Below, you can compare the latest Chase credit card offers, read customer reviews and more. You may also find it more helpful to consider the WalletHub Rating next to each card, which is based on a properietary 100-point scoring system and reflects each card's competitiveness, customer satisfaction, and strength in the eyes of WalletHub's editors. For additional insights, check out our editors’ picks for the best Chase credit cards right now.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR→18.74% - 28.24% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
18.74% - 28.24% (V)
annual fee
$0
rewards rate
1.5 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: Chase Freedom Unlimited is a very good credit card, according to WalletHub’s proprietary 100-point card rating system. It’s worth applying for the Chase Freedom Unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an annual fee.
Pros
$200 initial bonus
Earn rate: 1.5 - 5% cash back
0% for 15 months on purchases and balance transfers
$0 annual fee
Cons
Balance transfer fee
Foreign transaction fee
Potential for a high regular APR
Rewards Details
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Additional Info
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.2
fees: 2.9
rewards: 3.9
cost: 4.8
Other Features: 5.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.74% - 27.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.74% - 27.99% (V)
annual fee
$95
rewards rate
1 - 5 points / $1
Bonus Offer
75,000 points
Bonus Offer
75,000 points
minimum credit
Good
WalletHub's Take: The Chase Sapphire Preferred® Card is the best travel rewards credit card available right now. It is worth applying for the Sapphire Preferred Card if you have a credit score of 700 or higher, you like to travel and dine out, and you plan to charge $1,520 to $9,500 per year. The more you spend in the card’s bonus categories, the less you have to spend for the rewards to cancel out the annual fee.
Pros
Initial bonus: 75,000 points
High rewards rate
No foreign transaction fees
Cons
$95 Annual fee
1 point per $1 base earn rate
Rewards Details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Additional Info
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.2
Market Comparison
3.5
fees: 1.3
rewards: 4.7
cost: 3.7
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.99% - 28.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.99% - 28.49% (V)
annual fee
$795
rewards rate
1 - 8 points / $1
Bonus Offer
125,000 points
Bonus Offer
125,000 points
minimum credit
Excellent
WalletHub's Take: Chase Sapphire Reserve® is a great credit card to apply for if you travel a lot, you’re a big-spender, and your credit score is 750+. Although the Sapphire Reserve card’s annual fee is very high, at $795, the card has more than enough rewards and other perks to be worth the cost when used wisely.
Pros
Initial Bonus: 125,000 points
$300 Annual Travel Credit
High rewards rate
Cons
High Annual Fee
High APR
Rewards Details
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get more than $2,700 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
Additional Info
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
4.1
Market Comparison
4.5
fees: 5.0
rewards: 4.0
cost: 5.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.24% - 27.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.24% - 27.99% (V)
annual fee
$0
rewards rate
1 - 5% Cash Rewards
Bonus Offer
$250 Amazon gift card
Bonus Offer
$250 Amazon gift card
minimum credit
Good
WalletHub's Take: The Prime Visa is a good credit card for Amazon Prime members with good credit. It has a $0 annual fee and gives bonus rewards on purchases from Amazon.com, Amazon Fresh, Whole Foods Market, Chase Travel, gas stations, restaurants, rideshare companies, and other local transit and commuting services. New applicants can also get a $250 Amazon gift card immediately after being approved for an account (limited-time offer).
Pros
$250 Amazon gift card upon approval
No annual credit card fee
High rewards rate
No foreign fee
Cons
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Rewards Details
Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members
Best Amazon Gift Card offer for Prime Visa
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.1
fees: 4.0
rewards: 5.0
cost: 4.3
APR: 3.8
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR→18.74% - 28.24% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
18.74% - 28.24% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: The Chase Freedom Flex card is a good credit card for people who with above-average credit who want to earn cash back rewards. Chase Freedom Flex has a $0 annual fee, gives new cardholders a bonus of $200 for spending $500 in the first 3 months, and has ongoing rewards rates of up to 5% cash back on select purchases.
Pros
No annual fee
$200 initial bonus
Ongoing rewards of 1 - 5% cash back
0% for 15 months on purchases and balance transfers
Cons
Doesn't really offer cash back
Rotating bonus rewards categories
Earning limit in bonus categories
3% foreign transaction fee
Rewards Details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, the premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Additional Info
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.2
User Reviews
3.3
Market Comparison
2.8
fees: 4.0
rewards: 5.0
cost: 2.4
APR: 2.7
Purchase Intro APR→0% for 6 months
Transfer Intro APR→Not Offered
Regular APR→17.74% - 26.74% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
17.74% - 26.74% (V)
annual fee
$0
rewards rate
1% in Disney Rewards Dollars
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: The Disney® Visa® Card is a good card to consider if you have a credit score of 700 or higher, you’re a relatively light spender, and you regularly buy Disney merchandise or you’re planning a Disney vacation. It’s worth getting because it has a $0 annual fee, good Disney discounts, and a solid initial bonus.
Pros
No membership fees
0% intro APR on purchases
$200 initial rewards bonus
Cons
No intro APR on balance transfers
Balance transfer fee
Foreign fee
Requires good/excellent credit
Rewards Details
Get a $200 Statement Credit after spending $500 in the first 3 months from account opening.
Earn 1% in Disney Rewards Dollars on all card purchases with no limits to the amount you can earn.
Redeem Rewards Dollars toward most anything Disney at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more.
Disneyland® and Walt Disney World® Resorts discounts: 10% off select merchandise purchases, at dining locations and aboard Disney Cruise Line ships. 15% off the non-discounted price of guided tours. Terms and conditions apply.
10% off select purchases at Disney Store and DisneyStore.com.
You can earn 100 Disney Rewards Dollars for each friend (up to 5) that gets approved for any Disney® Visa® Card.
Additional Info
0% promotional APR for 6 months on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort. Terms Apply.
Cardmembers get access to exclusive Disney Visa Cardmember events at Disney Store.
Benefits: Baggage Delay Insurance, Purchase Protection and Extended Warranty Protection.
If approved for a Signature account, your credit access line will be at least $5000. If approved for a Platinum account, your credit limit will be at least $500.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.9
Market Comparison
3.3
fees: 1.7
rewards: 3.1
cost: 4.1
Other Features: 0.0
Purchase Intro APR→0% for 6 months
Transfer Intro APR→Not Offered
Regular APR→17.74% - 26.74% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
17.74% - 26.74% (V)
annual fee
$49
rewards rate
1 - 5% in Disney Rewards Dollars
Bonus Offer
$400
Bonus Offer
$400
minimum credit
Good
WalletHub's Take: The Disney Premier Credit Card is a good credit card for fans of Disney who want to use the card for streaming Disney+, Hulu and ESPN+, as well as buying groceries and gas, dining out, and visiting Disney properties. Bonus rewards in those categories and a $400 make paying the card’s $49 annual fee worthwhile. Cardholders also get a variety of additional benefits, including 10% to 15% off select Disney purchases.
Pros
0% intro APR on purchases
$400 initial rewards bonus
Bonus rewards categories
Cons
Membership fees
No intro APR on balance transfers
Balance transfer fee
Foreign fee
Rewards Details
Earn a $400 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% in Disney Rewards Dollars on card purchases at grocery stores, restaurants, gas stations and most U.S. Disney locations and 1% on all other card purchases.
Redeem Rewards Dollars toward most anything Disney at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more. Redeem Disney Rewards Dollars for a statement credit towards airline travel.
Disneyland® and Walt Disney World® Resorts discounts: 10% off select merchandise purchases, at dining locations and aboard Disney Cruise Line ships. 15% off the non-discounted price of guided tours. Terms and conditions apply.
10% off select purchases at Disney Store and DisneyStore.com.
You can earn 100 Disney Rewards Dollars for each friend (up to 5) that gets approved for any Disney® Visa® Card.
Additional Info
0% promotional APR for 6 months on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort. Terms Apply.
Cardmembers get access to exclusive Disney Visa Cardmember events at Disney Store.
Benefits: Baggage Delay Insurance, Purchase Protection and Extended Warranty Protection.
There are two versions of this card, a Signature or Platinum account with different costs and/or benefits. All details expressed here are for the Signature account.
If approved for a Signature account, your credit access line will be at least $5000. If approved for a Platinum account, your credit limit will be at least $500.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.3
User Reviews
3.6
Market Comparison
3.3
fees: 5.0
rewards: 3.1
cost: 3.3
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→18.99% - 27.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.99% - 27.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$60 gift card
Bonus Offer
$60 gift card
minimum credit
Good
WalletHub's Take: The Amazon Credit Card is a good option for anyone with a 700+ credit score who likes to shop online. The card is worth getting because it has a $0 annual fee and rewards users with 3% or 5% back on Amazon purchases (Prime members get the higher rate).
Pros
$60 gift card upon account approval
3% back on Amazon.com purchases and Whole Foods Market
2% back at gas stations, restaurants and drug stores
No annual fee
Cons
1% back on all other purchase categories
Prime membership isn't complimentary
Rewards Details
A $60 Amazon.com Gift Card ($250 for Prime members) will instantly be loaded into your Amazon.com account upon the approval of your credit card application.
Earn 3 points for every $1 spent (equivalent to 3% back) at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases.
Earn 2 points for every $1 spent (equivalent to 2% back) at gas stations, restaurants and on local transit and commuting, including rideshare. Earn 1 point for every $1 spent (equivalent to 1% back) on all other purchases.
Redeem daily rewards at Amazon.com as soon as the next day. Or redeem at Chase.com for cash back, gift cards, or travel.
If you have an eligible Prime membership, you can link your Amazon.com Credit Card to earn 5 points for every $1 (equivalent to 5% back) on purchases made at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases. Plus, get up to 10% back on rotating Amazon categories and products with a Prime card.
Additional Info
If you have an eligible Prime membership, you can choose between 5 points for every $1 spent at Amazon.com or 0% promo APR for 6-12 months on purchases $50 or more. Terms apply.
Equal Monthly Payment Financing: 6 equal monthly payments on purchases of $50 or more, and 12 equal monthly payments on purchases of $250 or more.
Travel Benefits: Travel Accident Insurance, Lost Luggage Reimbursement, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver.
Shopping protection: Extended Warranty Protection, Purchase Protection and Zero Fraud Liability for Unauthorized Purchases.
If approved for an account, your credit access line will be at least $500.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.3
User Reviews
3.7
Market Comparison
3.2
fees: 2.9
rewards: 0.9
cost: 4.9
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.49% - 27.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.49% - 27.99% (V)
annual fee
$95
rewards rate
1 - 3 points / $1
Bonus Offer
75,000 points
Bonus Offer
75,000 points
minimum credit
Good
WalletHub's Take: The British Airways Credit Card is a good credit card to consider if you fly frequently with British Airways and you have a credit score of 700 or higher. It can be worth its $95 annual fee if you earn the initial bonus as well as make numerous purchases directly with British Airways, its partners and hotels. You also have to pay the bill in full monthly to avoid expensive interest charges, and you may have to jump through some hoops to redeem your rewards.
Pros
High rewards rate
75,000 points initial rewards bonus
No foreign fee
Cons
Membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Rewards Details
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 3 Avios for every $1 spent on purchases made directly with British Airways, Aer Lingus, Iberia, and LEVEL, 2 Avios for every $1 spent on hotel accommodations booked directly through the hotel and 1 Avios for every $1 spent on all other purchases.
Every calendar year you make $30,000 in purchases on your Card, you will earn a Travel Together Ticket valid for two years or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.
Redeem Avios points on British Airways, Alaska Airlines, American Airlines, Aer Lingus, Cathay Pacific, Finnair, Iberia, Japan Airlines, LEVEL, Malaysia Airlines, Qantas, Qatar Airways, Royal Jordanian, Royal Air Maroc, and S7 Airlines. Terms apply.
Receive statement credits of $100 (Economy and Premium Economy) or $200 (Business and First Class) when you book a reward flight to London with British Airways (3 times/year, up to $600).
Take 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
Additional Info
If approved for an account, your credit access line will be at least $5,000.
Benefits: Purchase Protection, Extended Warranty Protection, Lost Luggage Reimbursement and Baggage Delay Insurance.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Travel Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 3 Avios for every $1 spent on purchases made directly with Iberia, Aer Lingus, British Airways and LEVEL, 2 Avios for every $1 spent on hotel accommodations booked directly through the hotel and 1 Avios for every $1 spent on all other purchases.
Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card.
Save 10% on Iberia flights purchased on iberia.com/Chase10.
Points don't expire as long as you make purchases on your credit card every 36 months.
Additional Info
If approved for an account, your credit access line will be at least $5,000.
Covered with built-in benefits like Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection and Extended Warranty Protection.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.5
Market Comparison
3.5
fees: 3.3
rewards: 4.3
cost: 3.3
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.49% - 27.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.49% - 27.99% (V)
annual fee
$95
rewards rate
1 - 3 points / $1
Bonus Offer
75,000 points
Bonus Offer
75,000 points
minimum credit
Good
WalletHub's Take: The Aer Lingus Visa Signature® Credit Card is worth considering if you’re a frequent Aer Lingus flyer, your credit score is 700 or higher, and you don’t mind booking airfare or hotel reservations directly through the airline or hotel. Even though it has a $95 annual fee, getting this card can pay off if you’re able to earn lots of bonus rewards. Direct bookings are the only way to earn ongoing bonus rewards on purchases, though. You also have to avoid interest charges for this card to be worthwhile.
Pros
High rewards rate
75,000 points initial rewards bonus
No foreign fee
Cons
Membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Rewards Details
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 3 Avios for every $1 spent on purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL, 2 Avios for every $1 spent on hotel accommodations booked directly through the hotel and 1 Avios for every $1 spent on all other purchases.
Each year, receive an economy companion ticket good for 12 months, when you spend $30,000 on your card.
Priority Boarding on Aer Lingus flights between the U.S. and Ireland for you and any authorized users on your account. Terms apply.
Additional Info
If approved for an account, your credit access line will be at least $5,000.
You're covered with built-in benefits such as Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection and Extended Warranty Protection.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Earn 85,000 bonus points after spending $4,000 on purchases within the first 3 months of opening your account.
Earn 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bountiful™ credit card
Earn 4X points for every $1 on the first $15,000 in combined purchases each year on grocery stores and dining.
Earn 2X points for every $1 you spend on all other purchases.
Earn 1,000 Bonus Points per eligible stay at hotels participating in Marriott Bonvoy®.
Enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one night hotel stay at a property with a redemption level of up to 50,000 points. Certain hotels have resort fees. Free Night Awards start at 7,500 points.
You will automatically receive Gold Elite Status each account anniversary year as a cardmember. Receive 15 Elite Night Credits each calendar year. Restrictions apply.
Additional Info
Get complimentary Visa Signature® Concierge Service 24 hours a day.
Benefits: Baggage Delay Insurance, Purchase Protection, Lost Luggage Reimbursement and Trip Delay Reimbursement.
Pros, Cons, & Details
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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 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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Every One @somewhere11342
They let merchants charge you for anything and won't take your side when no product is received. Never had this problem with any other card and now I'm out $600 for fraud Chase won't protect
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Tony Jones @whuser67203411
@samuel_arroyo26 would you recommend Chase card ??
I’m waiting until I’m under 5/24?
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WalletHub @WalletHub
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3 Star Rating
editor's review
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/.
So far - terrible experience: 1. I was waiting a couple of weeks until I received the card. I could not use it before receiving it physically. 2. I asked for a balance transfer - it blocked my card for an additional week. 3. After it was approved - the balance on the card reflected that; however, there is no sign of a balance transfer reduction on the old card, like it never existed. Now I need to chase after Chase to ensure it passes - waste of time. 4. Last but not least, they have charged me $88 for a transaction fee unexpectedly. I do not know if it is related to the balance transfer or simply opening the account; overall - terrible experience!
I liked the card until my credit limit was reduced due to opening another card that offered 21 months interest-free on balance transfers. I was not in collections, and my credit score had just recently risen to my highest score ever. These actions resulted in my utilization rate on that card going up, and my credit score dropping by 6 points. I only found out by looking at my notices in the app. I had not planned on transferring my balance on my Amazon Prime card, but now I will because I feel like I was punished by some algorithm. I looked online, and this is standard operating procedure, as many others have complained of the same issue, some paying the entire balance monthly.
I've had the Chase Freedom Unlimited for many years with no issues, always paid off the balance, and have an 800 credit score. Then I tried to buy a once-in-a-lifetime expensive watch, and all of a sudden it was rejected. Chase fraud abruptly closed my card without any notice. I contacted customer service and they offered no explanation, except to just wait for a new card. Meanwhile, the watch was sold. I have no idea what "unlimited" means except not to buy expensive items on this card, which is very disappointing.
I have a Chase card and have never made a late payment. I have never exceeded my credit limit; in fact, I paid it off in full. Yet, Chase still dropped my credit limit without notice to less than a fifth of what it was, which took my credit score down. I couldn't care less about the credit limit because I will never use a Chase card again, but having my credit score hurt is very unacceptable. I will not only let my card gather dust, but I will also never recommend this company to anyone.
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Product: Chase Credit Cards
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Shannon Bell @jusdreamin1973
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3 Star Rating
Loved this card, don't know why they closed it; I was never late.
I cannot think of a more miserable bank or a more dishonest bunch of individuals than those I've dealt with in my life. Their fees are incredibly high and almost impossible to avoid. In fact, I never found a way to avoid them. I arranged for my bank to mail them payments every time they were due, which my bank did. The payments, received on time as a certified cashier's check from my bank to Chase, were denied by Chase, claiming they were not set up to accept that kind of payment. They then charged me a $40 late fee. After multiple similar incidents, I decided to close my account. This required physically going to five different banks, none of which could tell me my balance or how to pay it off. It was the most frustrating experience of my life. If they try to persuade you to obtain any of their cards, I suggest you go in the opposite direction as quickly as you can.
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Product: Chase Credit Cards
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Paul @pcn123
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1 Star Rating
Worst card I ever had! I just got off the phone after an hour and a half talking to three different people, all of whom couldn't pull up my account or allow me to see my account, after qualifying me three different times. They finally said someone would get back to me in three days. The reason I called was because I couldn't understand their statement, which they couldn't explain and why I couldn't see the returns that I made, which they say they don't show; instead, they just apply returns to future orders if you make them. If you don't, you are out of luck. Look, I'm a CPA with an MBA, and I had no idea what they were doing. I have at least a dozen other credit cards which have full disclosure. Chase Bank looks very unreliable, and if it's not, then they are just incompetent!
I love this card, but wish I could transfer points externally. I had to also get the Sapphire Preferred card to transfer internally before I could then transfer to external rewards programs.
Get answers to your questions about Chase Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You need a credit score of at least 700 - 750 for a Chase credit card, depending on the card. Chase credit cards are available to applicants with credit scores ranging from good to excellent credit.
If your credit score is below the threshold needed for a Chase credit card, it's best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for a Chase credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
Yes, Chase is a good credit card company for rewards, travel, and small business features, according to WalletHub reviews. Chase credit cards also have a user rating of 3.8/5 on WalletHub, based on more than 27,000 reviews.
Reasons Why Chase Is a Good Credit Card Company
3.8/5 average user rating on WalletHub
6 credit card offers rated 4+ out of 5 by WalletHub editors
To get a Chase cash advance, use a Chase credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact Chase customer service at 1 (800) 297-4970 to request one.
How to Get a Chase Cash Advance at an ATM
Call Chase customer service at 1 (800) 297-4970 and request a PIN, if you don't already have one.
The best Chase travel credit card is the Chase Sapphire Preferred® Card because it offers bonus rewards on travel and dining purchases, as well as key travel-related benefits. For example, you get trip delay reimbursement, trip cancellation/interruption insurance, and baggage delay insurance.
The Chase Sapphire Preferred card also has an initial bonus of 75,000 points for spending $5,000 on purchases in the first 3 months. In addition, it has a $0 foreign transaction fee, so you won't be charged extra on purchases made abroad. The card's annual fee is $95.
One of the best luxury cards is the American Express Platinum Card® because it offers great rewards, provides complimentary airport lounge access, and gives you the chance to earn valuable statement credits each year. But luxury comes at a cost, and this prestigious metal card charges a $895 annual fee.
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