7 Best Chase Credit Cards
If you’re interested in maximizing your buying power with one of the Chase family of credit cards, here’s a helpful list of the best Chase credit cards to get you started:
Chase Personal Credit Cards
To begin, we’ll look at the personal credit cards that Chase offers.
The Chase Freedom Flex and Chase Freedom Unlimited cards are no-fee cash rewards cards. The Chase Sapphire Preferred and Chase Sapphire Reserve cards are travel rewards credit cards that both charge annual fees.
Many people opt to get one of each category, mainly because there are unique benefits of both the Freedom and the Sapphire cards. Let’s have a look:
Category 1: “Freedom” Family
The Chase Freedom family of credit cards are great for generalists who like to earn cash back on everyday spending automatically.
These cards are similar in the following ways:
- No Annual Fees
- $200 welcome bonus when you spend $500 in your first 3 months of opening your account
- Limited Time: Earn 5% cash back on grocery store purchases (not including Target(R) or Walmart(R) purchases) on up to $12,000 spent in the first year
- Earn 5% cash back on travel purchased through Chase
- Earn 3% cash back on dining and drug stores purchases
- Introductory 0% APR on purchases in the first 15 months, variable 14.99% – 23.74% APR thereafter
If you use your credit card for daily expenses, these cards offer unlimited cash back at different tiers – 1.5% for Freedom Unlimited and 1% for Freedom Flex (plus, when you opt-in, 5% cash back on categories that change each quarter — up to a quarterly maximum).
The welcome bonus is only available for people who haven’t received a Chase new cardmember bonus in the previous 24 months – just something to note if you’re interested in applying.
Balance transfers come with a 5% fee, but if you have outstanding high-interest debt on another credit card, it’s often worth it to pay the 5% fee and have 15 months of interest-free payments to eliminate your debt more quickly.
There are a few other distinctions in bonus categories that will help you determine which Freedom card makes the most sense for you.
Chase Freedom Unlimited
The Chase Freedom Unlimited has a simplified reward structure. It rewards you with 1.5% cash back on all eligible spending, period. It only offers the opportunity to receive increased cash back percentages in fixed categories like dining and drug stores.
There are no fancy gimmicks with this card, and your cash back points come in the form of Chase Ultimate Rewards points that never expire so long as your account remains open.
Chase Freedom Flex℠
The Chase Freedom Flex℠ Credit Card offers 1% unlimited cash back on every dollar you spend, which is good to know if you use your card every day.
On top of the 1% cash back, the Freedom Flex rewards you with 5% cash back on quarterly bonus categories that you have to opt-in to receive. This is a little different than other reward credit cards that usually stick to a few categories all year long. The benefit of this is that there are rotating opportunities to earn extra reward points on purchases that vary.
Chase releases its schedule of bonus categories at the beginning of the year, so you can plan your expenses ahead of time to get the best bang for your buck.
For example, if you know you’ll soon be in the market for a new couch and department store spending is a bonus category from April through June, then you can plan ahead to get 5% cash back on the couch you buy at Macy’s.
And when you’re not strategizing your next big purchase, you get 1% cash back on everything else, no questions asked.
Category 2: “Sapphire” Family
These cards reward cardholders for spending on travel and dining only. While the points awarded in the form of Chase Ultimate Rewards and can be easily applied to all kinds of rewards redemptions, your Sapphire card won’t reward you for everyday spendings like gas and groceries.
That said, the rewards are calculated at a different rate than the cash back cards above. These reward percentages are converted into Ultimate Rewards Points. Chase Reward points are usually worth 1-1.5 cents per dollar, depending on how you redeem them.
Both the Sapphire Preferred and the Sapphire Reserve travel credit cards accumulate points right from the start, so you always know exactly how many travel points you have to use.
If you are a travel enthusiast who loves dining out, it is 100% worth it to use one of the Chase Sapphire cards.
Chase Sapphire Preferred
The Chase Sapphire Preferred card is the first-tier product in the Sapphire line.
Users earn double points for travel and dining expenses. Travel includes airfare, hotels, and transportation.
Right now, new Sapphire Preferred cardholders get up to 60,000 bonus points after spending $4,000 in the first three months.
Using Chase’s online travel portal to book your trip, those points are worth $750 in travel. The Chase Sapphire Preferred has a $95 annual fee.
Chase Sapphire Reserve
The Chase Sapphire Reserve card is meant for die-hards who are willing to pay a $550 annual fee (plus $75 for each authorized user).
People get the Chase Sapphire Reserve card when they have a plan to maximize their points for travel – and it works!
The Sapphire Reserve card delivers an annual $300 credit towards travel purchases, which drops the “effective annual fee” to $250. Users earn 3x points on travel and dining and 1x points on everything else.
As a welcome bonus, new cardmembers will receive 50,000 points when they spend $4,000 in the first three months.
There are also a host of other perks like a credit for TSA PreCheck or Global Entry membership, Priority Pass Lounge Access, and much more. Read more in our Chase Sapphire Reserve review.
Chase Business Credit Cards
If you are a business owner of any kind – from solopreneur to CEO – we recommend having a look at one of the credit cards in Chase’s business line.
Applying for a business credit card is a little different than applying for a personal card. The main difference is that you’ll need to report your business’s revenue instead of your income.
You’ll also need to know information about your business’s legal entity, whether you are an LLC or a sole proprietor. If you are a sole proprietor owner, you only need to use your social security number as your business’s EIN.
On the other hand, small businesses and big corporations have specific business structures that require additional tax information.
That said, it’s easier to get a business credit card than a lot of people like to think, and the good news is that business credit cards can still earn rewards!
Here’s a look at the three Chase Business Credit Cards currently available:
Ink Business Unlimited Credit Card
With no annual fee, the Ink Business Unlimited card rewards uses with unlimited 1.5% cash back on all purchases.
Currently, there is a 0% Introductory APR for 12 months on purchases (13.24% – 19.24% variable APR afterwards), plus $500 cash back after you spend $3,000 in purchases in the first month.
There is a 3% foreign transaction fee, which is important to note if you plan on doing business internationally.
Ink Business Cash Credit Card
One of the best cash back business cards with no annual fee, the Ink Business Cash card delivers what its name promises.
Get 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
Business owners also earn 2% cash back at gas stations and restaurants up to $25,000 every year, and unlimited 1% back on all other purchases.
Currently, new cardmembers get a $750 bonus cash back after spending $7,500 on purchases in the first three months.
Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card comes with a $95 annual fee, but one of the biggest welcome bonuses we’ve seen.
Right now, earn 100,000 bonus points after you spend $15,000 on purchases in the first three months after account opening – equivalent to over $1,250 in rewards – definitely worth the $95 fee.
As for rewards, business owners enjoy 3% cash back on the first $150,000 spent in combined purchases on travel, shopping, advertising, and more.
FAQs for Chase Credit Cards
Which Chase Freedom Card is Better?
Whether you should get the Chase Freedom card or the Chase Freedom Unlimited card depends on whether you want slightly higher cash back on everyday spending, or whether you want opportunities to cash in on 5% throughout the year.
If you are someone who likes to monitor their accounts and keep on the lookout for deals, the Chase Freedom suits your personality better. But if you want to put your earning on autopilot, the Chase Freedom Unlimited might be best.
While we always advise maximizing out your credit card rewards, remember that Ultimate Reward Points are only worth it if you plan to pay off your credit card every month.
Is Chase Freedom Unlimited a Good Card?
The Chase Freedom Unlimited card is considered one of the best cash back rewards cards on the market. If you have an excellent credit score of 750 or higher, we recommend you give it a go.
What is the Easiest Chase Credit Card to Get?
If you are relatively new to using a credit card, or your score is less-than-perfect, the Chase Freedom is your best credit card option.
Chase Freedom cards are accessible to people with credit scores of roughly 690 or above. Though there is no guarantee, this is more accessible than the other cards in the Chase family that typically require a credit score of 750 or higher.
What Credit Score do You Need for a Chase Credit Card?
People have the best chance of qualifying for a Chase Freedom credit card when they have a credit score of 690 or above, meaning a good or excellent credit score.
On the other hand, the Chase Freedom Unlimited and the Chase Sapphire are meant for people with very good and excellent scores of 720 or higher.
That said, score alone is not the only factor. Income is also very important. If your score is between good and excellent, the best thing to do is check your approval odds with a free service like Credit Sesame.