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Best Chase Credit Cards
WalletHub experts track 1,500+ offers to help you get the best Chase credit card
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- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
- $95 Annual fee
- 1 point per $1 base earn rate

- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR

- 0% for 18 months on purchases and balance transfers
- $0 annual fee
- High regular APR likely
- Balance transfer fee

- High rewards rate
- 140,000 points initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit

- No annual card fee
- High rewards rate
- $100 initial rewards bonus
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit

- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
- High Annual Fee
- High APR

- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 30,000 miles initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Requires good/excellent credit

- Attainable initial bonus
- 6,000-point annual anniversary bonus
- Strong earning rates for people who fly often and always with Southwest
- $99 annual fee
- High regular APR

- High rewards rate
- 60,000 points initial rewards bonus
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee

- High rewards rate
- 60,000 miles initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best Chase credit card.
Our picks for the best Chase cards of 2023
Chase Freedom Unlimited®
Why We Like It: Chase Freedom Unlimited® is the best Chase credit card overall because it has a $0 annual fee and rewards cardholders with 1.5 - 5% cash back on purchases. The Freedom Unlimited card also offers an extra 1.5% cash back on everything you buy, up to $20,000 spent in the first year.
In addition to the rewards, Freedom Unlimited offers introductory APRs of 0% for 15 months on purchases and balance transfers. It’s one of the most well-rounded credit cards on the market right now.
What We Don’t Like: The regular APR that takes effect when the intro rate expires can be pretty high.
Who Should Get It: Apply for Chase Freedom Unlimited® if its bonus rewards categories and introductory financing promotions suit your spending and payment habits. You also need a 700+ credit score for good approval odds.
Alternatives to Consider: The Wells Fargo Active Cash® Card is another great all-around option, offering 2% cash rewards on all purchases along with a $0 annual fee and a low introductory APR.
Chase Sapphire Preferred® Card
Why We Like It: The Chase Sapphire Preferred® Card is the best Chase credit card for travel rewards. For starters, it offers an amazing initial bonus to new cardholders who spend at least $4,000 within 3 months of opening an account: 60,000 points, worth $750 in travel booked through Chase Ultimate Rewards.
Chase Sapphire Preferred also gives 1 - 5 points per $1 in rewards on purchases. Specifically, cardholders earn 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases.
What We Don’t Like: There is a $95 annual membership fee.
Who Should Get It: Apply for Chase Sapphire Preferred if you have Good credit or better, you like to travel, and you will be able to comfortably afford the spending requirement for the initial bonus.
Alternatives to Consider: If you’re a big-spender who loves to travel, Chase Sapphire Reserve® is an attractive option. Alternatively, the Capital One Venture Rewards Credit Card offers elite travel rewards at a modest price.
Chase Freedom Flex℠
Why We Like It: Chase Freedom Flex℠ is the best Chase credit card for ongoing rewards of up to 5% cash back. It gives 5% back on travel purchased through Chase and 5% back on up to $1,500 spent per quarter in bonus categories that change.
Other types of purchases produce 1% to 3% cash back with Chase Freedom Flex, which also has a $0 annual fee. The card has an introductory APR offer of 0% for 15 months, too.
What We Don’t Like: This card’s regular APR can be pretty high. Plus, you have to sign up for new bonus categories each quarter if you want to maximize your rewards.
Who Should Get It: Consider applying for Chase Freedom Flex℠ if you’re comfortable booking travel through Chase Ultimate Rewards and activating new 5% bonus categories four times per year. You also need Good credit or better.
Alternatives to Consider: Chase Freedom Unlimited® has easier-to-manage rewards. The Bank of America® Customized Cash Rewards credit card lets you pick your top bonus rewards category.
Chase Freedom® Student credit card
Why We Like It: The Chase Freedom® Student credit card is the best Chase credit card for students because it accepts applicants with limited credit history, has a $0 annual fee, and gives rewards of 1% cash back on all purchases. Plus, there are bonuses simply for making a purchase soon after opening an account and then keeping your account in good standing each year.
What We Don’t Like: Carrying a balance from month to month will result in expensive interest charges, so it’s a good idea to pay your bill in full monthly.
Who Should Get It: Consider applying for the Chase Freedom® Student credit card if you’re a student with limited credit experience who wants to build credit and save money.
Alternatives to Consider: You should compare the Chase Freedom® Student credit card to other popular student credit cards to find the right fit.
Ink Business Cash® Credit Card
Why We Like It: The Ink Business Cash® Credit Card is one of the best Chase credit cards for business because it offers a $750 initial bonus, along with up to 5% on purchases normally. To get that initial bonus, new cardholders must spend $6,000 within 3 months of opening an account.
Chase Ink Cash also has a $0 annual fee. It even offers an introductory APR of 0% for 12 months.
What We Don’t Like: This card’s ongoing bonus rewards are limited to office supply stores, gas stations, restaurants, and internet/cable/phone service. Plus, its regular APR isn’t exactly low, at 18.24% - 24.24% (V) depending on your overall creditworthiness.
Who Should Get It: Consider applying for Ink Cash if you have Good credit or better personally and your company’s spending matches up well with the card’s bonus rewards categories.
Alternatives to Consider: The Ink Business Preferred® Credit Card is a great option for small business owners who would prefer travel rewards.
For your convenience, we’ll summarize WalletHub’s editors’ picks for the best Chase credit cards below.
Best Chase Credit Cards Comparison
Credit Card | Best For | Annual Fee | Min. Credit Needed |
Chase Freedom Unlimited® | Overall | $0 | Good |
Chase Freedom Flex℠ | Up to 5% Cash Back | $0 | Good |
Chase Freedom® Student credit card | Students | $0 | Limited History |
Ink Business Cash® Credit Card | Cash Rewards for Business | $0 | Good |
Chase Slate Edge℠ | Best for 0% Intro APR | $0 | Good |
Chase Sapphire Preferred® Card | Travel Rewards | $95 | Good |
Ink Business Preferred® Credit Card | Business Travel | $95 | Good |
The first step in finding the best Chase credit card for your needs is to figure out how you’re going to use it. If you plan to make everyday purchases with your new card and then pay for them in full every month, focus on finding a rewards card that suits your lifestyle. Most people should opt for cash back, but frequent travelers may want to consider cards with points or miles, too. On the other hand, if you plan to carry a balance from month to month, you’ll want to find the cheapest combination of fees and interest rates possible.
Chase does not currently offer credit cards to people with less-than-good credit. So you’ll have to compare cards from other issuers if you don’t have at least good credit. And if you don’t know where your credit stands, you can check your latest credit score for free on WalletHub.
How we picked the best Chase credit cards
To identify the best Chase credit cards, WalletHub’s editors regularly compare all of the credit cards issued by Chase, including co-branded offers, in our database of 1,500+ credit card offers. We evaluate each card’s rewards, fees, interest rates, approval requirements and other key features in order to determine how well-suited each is to a range of common use cases. We then select the best overall Chase credit card offers across major categories based on expected cardholder savings.
The competition
There are lots of really good Chase credit card offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
Info | ![]() Chase Sapphire Reserve® | ![]() Instacart Mastercard® | ![]() The World of Hyatt Credit Card |
---|---|---|---|
Annual Fee | $550 | $0 | $95 |
Bonus Offer | 60,000 points | $100 Instacart credit | 30,000 points |
Rewards Rate | 1 - 10 points / $1 | 1 - 5% Cash Back | 1 - 4 points / $1 |
Purchase Intro APR | N/A | N/A | N/A |
Transfer Intro APR | N/A | N/A | N/A |
Regular APR | 22.24% - 29.24% (V) | 19.99% - 28.74% (V) | 20.99% - 27.99% (V) |
Editors' Rating | 4.4 | 4.5 | 4.4 |
Details, Rates & Fees | Learn More | Learn More | Learn More |
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Chase Credit Cards FAQ
Comparing Chase credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
Expert Opinions
- Is there a meaningful difference between a rewards card that offers cash back and one that offers points redeemable for cash back?
- Why would a major credit card company like Chase not offer cards to people with bad credit?
- Why do credit card companies often give cardholders more value when they redeem rewards for travel than when they redeem for cash back?
Ph.D., Assistant Professor of Marketing, Rawls College of Business, Texas Tech University
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Associate Professor of Marketing, Department of Management & Marketing, School of Business, Slippery Rock University of Pennsylvania
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Professor, Pennsylvania State University, Altoona
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Ph.D., Assistant Professor of Practice, Department of Finance, University of Texas Rio Grande Valley
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Department of Marketing, Richards College of Business, University of West Georgia
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Doctoral Student, Department of Marketing, University of Illinois Chicago
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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.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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