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Chase Credit Cards for Excellent Credit
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Credit cards from Chase (a WalletHub partner) generally require good or excellent credit for approval. So while you might not find any offers branded as being for excellent credit, all of the Chase credit cards … show more… show more
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CHASE CREDIT CARDS FOR EXCELLENT CREDIT
General Consumer
Excellent Credit
Excellent Credit
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Chase Sapphire Reserve® Chase Sapphire Reserve®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.74% - 24.74% (V)
Annual Fee
$550
Rewards Rate
1 - 10 points / $1
Minimum Credit
Excellent
WalletHub's Take: The Chase Sapphire Reserve® card is an elite travel rewards credit card that’s worth it for big-spenders with a credit score of 750+. Sapphire Reserve is so good because it offers a bonus of 60,000 points for spending $4,000 within 3 months of opening an account, plus ongoing rewards of 1 - 10 points per $1 and a $300 annual travel credit.
Read our editor's full Chase Sapphire Reserve review.
Pros
- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
Cons
- High Annual Fee
- High APR
Rewards Details
- New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Chase Slate Edge℠ Chase Slate Edge℠
Purchase Intro APR
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0% for 18 months
Transfer Intro APR
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0% for 18 monthsTransfer 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
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15.74% - 24.49% (V)
WalletHub's Take: The Chase Slate Edge℠ card is a pretty good credit card for people with a 700+ credit score who want 0% introductory APRs as well as a regular APR that can get cheaper with good behavior over time. Plus, Slate Edge is easily worthwhile, given its $0 annual fee. On the other hand, Slate Edge is not the best choice for people who want to earn rewards. The card does not offer any rewards on purchases.
Read our editor's full Slate Edge review.
Pros
- 0% for 18 months on purchases and balance transfers
- $0 annual fee
Cons
- High regular APR likely
- Balance transfer fee
Additional Info
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.74% - 24.49% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ 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
Chase Freedom Unlimited® Chase Freedom Unlimited®
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer 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
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15.74% - 24.49% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: Chase Freedom Unlimited is a very good cash back credit card, worth an application for anyone with a good credit score or better. The Freedom Unlimited card has a $0 annual fee and offers 1.5 - 5% Cash Back on purchases, plus an an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. There’s even no interest for a time.
Read our editor's full Chase Freedom Unlimited review.
Pros
- 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 an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
- 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, real-time alerts, and more.
Chase Freedom Flex℠ Chase Freedom Flex℠
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer 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
→
15.74% - 24.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Chase Freedom Flex card is a good cash rewards credit card for people with above-average credit scores. 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.
Read our editor's full Chase Freedom Flex review.
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 Ultimate Rewards®, 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 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 15.74% - 24.49%.
- 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.
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.74% - 23.74% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
WalletHub's Take: The Chase Sapphire Preferred® Card is a very good credit card for bonus rewards on travel and dining. Sapphire Preferred is easily worth its $95 annual fee for people with a 700+ credit score who like to travel, don’t mind booking at least one trip through Chase, and plan to charge more than $1,334 per month.
Read our editor's full Chase Sapphire Preferred review.
Pros
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Marriott Bonvoy Bold® Credit Card Marriott Bonvoy Bold® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.74% - 23.74% (V)
Annual Fee
$0
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
WalletHub's Take: The Marriott Bonvoy Bold® Credit Card is the only Marriott rewards credit card with no annual fee. It is a good choice for Marriott Bonvoy members with good credit or better who don’t travel often enough to justify paying an annual fee for extra points and other cardholder perks.
Read our editor's full Marriott Bonvoy Bold review.
Pros
- No membership fees
- High rewards rate
- No foreign fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Rewards Details
- For a Limited Time Only! Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
- Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
- 1X point for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
- Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
Additional Info
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- No Foreign Transaction Fees.
Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Plus Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.74% - 23.74% (V)
Annual Fee
$69
Rewards Rate
1 - 2 points / $1
Minimum Credit
Good
WalletHub's Take: The Southwest Rapid Rewards® Plus Credit Card is the best value among the current selection of Southwest Airlines credit card offers. That’s especially true early on. The Southwest Plus Card offers the same big initial rewards bonus as the other Southwest cards for personal use but charges a lower annual fee, at $69.
Read our editor's full Southwest Plus Card review.
Pros
- High rewards rate
- 75,000 points initial rewards bonus
- Reports to the three major credit bureaus
Cons
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
Rewards Details
- Limited-time offer: Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, phone services, and select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- All points earned count towards Companion Pass®.
Southwest Rapid Rewards® Premier Credit Card Southwest Rapid Rewards® Premier Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
→
16.74% - 23.74% (V)
Annual Fee
$99
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
WalletHub's Take: The Southwest Rapid Rewards® Premier Credit Card is the best Southwest Airlines credit card for bonus rewards, offering 75,000 points for spending $5,000 in the first 3 months. The Southwest Premier Credit Card also offers lots of other opportunities to earn bonus rewards, and its annual fee is only $99.
Read our editor's full Southwest Premier Card review.
Pros
- Attainable initial bonus
- 6,000-point annual anniversary bonus
- Strong earning rates for people who fly often and always with Southwest
Cons
- $99 annual fee
- High regular APR
Rewards Details
- Limited-time offer: Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.
- 6,000 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, phone services, and select streaming.
- 2 EarlyBird Check-In® each year.
- All points earned count towards Companion Pass®.
Additional Info
- No foreign transaction fees.
Marriott Bonvoy Boundless® Credit Card Marriott Bonvoy Boundless® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.74% - 23.74% (V)
Annual Fee
$95
Rewards Rate
2 - 6 points / $1
Minimum Credit
Good
WalletHub's Take: The Marriott Bonvoy Boundless Credit Card is a good credit card that’s worth its $95 annual fee for people with a good or excellent credit score who regularly stay at Marriott hotels and resorts. The Marriott Bonvoy Boundless Card’s best features are its bonus rewards, free nights, and complimentary Silver Elite status. You’d better plan to pay your Marriott Boundless bill in full monthly, though. A low APR is not among this card’s benefits.
Read our editor's full Marriott Bonvoy Boundless review.
Pros
- 1 Free Night per year
- Automatic Silver Elite status
- 6 points per $1 spent at Marriott
- No foreign transaction fees
Cons
- $95 annual fee
- Must redeem points for free nights to get full value
- High regular APR
Rewards Details
- For a Limited Time Only! Earn 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
- Our Best Free Night Offer!
- New Benefit! Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- New Benefit! Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X Bonvoy points for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
The World of Hyatt Credit Card The World of Hyatt Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.74% - 23.74% (V)
Annual Fee
$95
Rewards Rate
1 - 4 points / $1
Minimum Credit
Good
WalletHub's Take: The World of Hyatt Credit Card is one of the best hotel credit cards available right now. New cardholders get 30,000 bonus points for spending $3,000 within 3 months of opening an account. This bonus is worth roughly $663 in Hyatt reservations and is among the biggest reasons why the Hyatt Credit Card is so good. Plus, for the first 6 months as a cardholder, you get 2 points per $1 spent on all purchases that normally would yield 1 point, up to 30,000 points. The card also offers 1 - 4 points / $1 in ongoing rewards on purchases, yielding a nice percentage return. The World of Hyatt Card’s $95 annual fee is reasonable compared to many other hotel credit cards, too.
Read our editor's full Hyatt Credit Card review.
Pros
- High rewards rate
- 30,000 points initial rewards bonus
- No foreign fee
- Reports to the three major credit bureaus
Cons
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
Rewards Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
NO FOREIGN FEE
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Questions & Answers
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