Best Chase Credit Cards

• Why people trust WalletHub
• Our picks
• How we picked the best Chase credit cards
• The competition
• About the author
• Sources
• User questions & answers
• Expert opinions

 

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.
 

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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.

 

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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.
 

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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.

 

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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 17.99% - 23.99% (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.

 

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For your convenience, we’ll summarize WalletHub’s editors’ picks for the best Chase credit cards below.
 

Best Chase Credit Cards Comparison

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.

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.

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.

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.