Chase Mastercard Credit Cards

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 Flex Mastercard Benefits

• Identity theft protection
• Cell phone protection
• Zero liability protection
• Global emergency services
• Lyft refunds
• HelloFresh refunds
• ShopRunner membership
• Discounts on Fandango movies

You can find details about these perks and other benefits on the Mastercard website.

Just know that whether a card is a Visa or a Mastercard isn’t too big of an issue. Both networks provide you with about the same global acceptance and very similar benefits.

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 extensive 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.

Most Chase credit cards require a credit score of 700 or higher to get approved. That means you need good credit or better to qualify for the majority of Chase credit cards. For example, the credit score requirement for both the Chase Freedom Flex℠ card and the Chase Sapphire Preferred® Card is 700+.

The main exception to the rule is the Chase Freedom® Student credit card, which is available to students with limited credit or better. Still, the higher your credit score is, the better your Chase credit card approval odds will be.

Chase Credit Card Credit Score Requirements

• Chase Sapphire Reserve®: Excellent Credit (750+).
• Chase Freedom Flex℠: Good Credit (700+).
• Chase Slate Edge℠: Good Credit (700+).
• Chase Freedom Unlimited®: Good Credit (700+).
• Chase Sapphire Preferred® Card: Good Credit (700+).
• Amazon.com Credit Card: Good Credit (700+).
• Chase Freedom® Student credit card: Limited History. This card accepts students who have less than 3 years of credit history.
• Ink Business cards: Good Credit. Ink Business Preferred® Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
• Chase hotel cards: Good Credit. The World of Hyatt Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
• Most Chase airline cards: Good Credit. United Quest℠ Card, for instance, requires a credit score of 700 at a minimum. That means you need at good credit or better for approval.

Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply.

You’ll know within seconds if you’re pre-approved for any Chase credit cards. There’s no guarantee you’ll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or “soft pull” on your credit report, which means there’s no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.

The main difference between Visa and Mastercard is that Mastercard is more widely accepted internationally, while Visa offers more standard credit card benefits. Most people won't notice any substantial difference between Visa and Mastercard because their services are largely on par. Visa and Mastercard are two of the largest payment networks in the world, but neither Visa nor Mastercard issues any cards. Banks and credit unions issue the cards, which are then used on the Visa or Mastercard network.

Visa and Mastercard Differences by the Numbers

Both Visa and Mastercard ensure basic benefits with their credit cards, such as zero liability guarantees and lost card reporting. Additional perks may be available, depending on the credit card tier. Mastercard offers three benefit tiers with their cards: Standard, World, and World Elite. Likewise, Visa cards are split into Traditional, Signature, and Infinite.

Visa and Mastercard Basic Benefits Compared

On top of the standard benefits, World or World Elite Mastercard holders may get extra perks such as cell phone insurance and free hotel upgrades. On the other hand, people with a Visa Signature or Infinite card may enjoy special protections like lost luggage and trip delay reimbursement. However, having a top-tier Mastercard or Visa card won’t automatically give you access to all of these extra benefits, as that depends entirely on the credit card issuer.

Whether a card bears the Visa or Mastercard logo doesn’t make much of a difference in the end. The credit card issuer determines all the most important aspects of the card: interest rates, fees, and rewards. When picking a credit card, you should pay more attention to these features than the payment network.

The best Chase credit card offers are some of the best overall cards available to people with good credit who want top-notch rewards, 0% APR promotions, and annual fees as low as $0. If you have questions about an existing credit card account with Chase (a WalletHub partner), you can call Chase credit card customer service at 800-432-3117. If you’re interested in applying for a Chase credit card, WalletHub’s editors selected the best Chase credit cards in the most popular categories, based on their rewards, rates and fees.

Best Chase Credit Cards of April 2023

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The best Mastercard credit cards are among the best credit card offers overall, providing big initial bonuses, attractive ongoing rewards, low introductory interest rates, low fees, or a combination of all those features. Plus, no matter what your credit score is or what exactly you’re looking for in a credit card, a Mastercard credit card is close to a must-have these days, considering that Mastercard and Visa are the only card networks with truly worldwide acceptance, (and Mastercard has the widest reach) (some cards are from WalletHub partners).
 
Finding the best Mastercard for your needs can be tough, though, as hundreds of offers are available from dozens of credit card companies. That’s because Mastercard doesn’t actually issue credit cards. Rather, as a card network, it dictates where credit cards can be used and what types of secondary benefits they provide.
 
For the best results, you’re going to need to pare down your options a bit. Start by checking your latest credit score to see what type of offer you can qualify for. Next, choose between rewards and low rates, depending on whether or not you plan to pay your monthly bill in full. And then compare the remaining Mastercard credit card offers to see which best suits your lifestyle and preferences. Or, you can simply check out WalletHub’s picks for the year’s top Mastercard credit card offers. Finally, it’s a good idea to compare the best Mastercard for your needs to the top Visa, Discover and American Express cards to ensure you get the right one.

Best Mastercard Credit Cards of April 2023

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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.

Popular Chase Visa & Mastercard Credit Cards

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.