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Chase credit cards offer something for everybody. Chase cards cover the spectrum of perks, including travel rewards, cash back, and 0% introductory rates on purchases and balance transfers.
I've carried a number of Chase credit cards for years. I used the Chase Slate card's no fee 0% balance transfer to help my wife and I get out of debt. The Chase Freedom® card helped us earn substantial cash back rewards. And today we carry the Marriott Rewards® Premier Credit Card.
Here you'll find a lineup of popular Chase credit card offers. We'll start with the consumer cards, and follow it up with Chase business credit cards.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months after account opening, then 20.49%–29.24% variable APR after that.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months, then 20.49% - 29.24% variable APR after that.
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®
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®.
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Chase Consumer Credit Cards
Chase Freedom Flex(SM)
Best for rotating bonus categories
Chase Freedom Flex(SM) is an excellent card for those who don't mind an extra step or two to earn bonus rewards. If you activate the bonus rewards, you'll earn 5% cash back per quarter, up to $1500 on bonus categories that can include Amazon purchases and gas. The welcome bonus is easily achievable and there's no annual fee.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Ultimate Rewards
Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Intro APR: Get 0% introductory APR on purchases and balance transfers for the first 15 months after account opening, then 20.49%–29.24% variable APR after that.
Chase Freedom Unlimited® is remarkably similar to the aforementioned Chase Freedom Flex(SM), except that it doesn't have rotating bonus categories. The rewards are similar, but you'll earn 1.5% on all other purchases, whereas the Freedom Flex offers just 1% cash back. The welcome bonus gets you an additional 1.5% cash back on purchases for the first year on the Unlimited.
Rewards:
1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards
Welcome Bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Intro APR: Get 0% introductory APR on purchases and balance transfers for the first 15 months, then 20.49% - 29.24% variable APR after that.
It is extremely difficult to pick the best Chase credit card. If I had to pick just one, however, it would be the Chase Sapphire Reserve®. This travel credit card offers a generous welcome bonus and up to 3x points on travel and dining at restaurants.
Rewards:
1x points
On all other eligible purchases
Earn 1 point per dollar on all other eligible purchases.
3x points
Dining
Earn 3x points on other travel and dining.
5x points
Travel
Earn 5x points on flights when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually.
10x points
Travel
10x on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually.
Welcome Bonus: 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®
If you want travel rewards but don't want to pay a high annual fee, consider the Chase Sapphire Preferred® Card. It has a welcome bonus that could be worth $1000 if you redeem the points for travel through Chase Ultimate Rewards® and could be worth more if you transfer the points to Chase's travel partners. The annual fee is much easier to swallow than the Chase Sapphire Reserve®.
Rewards:
1x points
On all other eligible purchases
1x points on all other purchases.
2x points
Travel
2x points on travel not booked through Chase Ultimate Rewards, such as airfare, hotels, taxes and trains.
3x points
U.S. supermarkets
Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
3x points
Streaming services
Earn 3x points on select streaming services.
3x points
Dining
3x points on dining, including eligible delivery services, takeout and dining out.
5x points
Travel
5x points on travel purchased through Chase Ultimate Rewards.
Welcome Bonus: 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®.
Chase Slate Edge℠ is a little unique. Chase will automatically consider lowering your APR by 2% when you pay on time and spend at least $1,000 by your cardmember anniversary. Chase will also consider you for a one-time credit limit increase when you pay on time and spend $500 in the first six months. There's a 0% APR offer as well, but not many rewards other than that.
Rewards: None
Welcome Bonus: None
Intro APR: Get 0% APR on purchases and balance transfers for 18 months, then 20.49% - 29.24% variable APR after that.
Chase Freedom Rise(SM) Credit Card is a new card that just launched in June of 2023. It's meant for students and others who are either new to credit cards or for those who are rebuilding their credit. Chase says having a Chase checking account with at least $250 in it will increase your approval odds. Once you're approved, you'll earn 1.5% cash back on all eligible purchases. And if you sign up for autopay within three months, you'll get a $25 statement credit. This is not a secured credit card, so won't have to leave a deposit equal to your credit line. It's an entry-level credit card. After six months, Chase will consider an increase.
Chase offers some of the best business credit cards on the market today. Our personal favorite is the Ink Business Cash® Credit Card. It offers an excellent signup bonus, ongoing rewards, and no foreign transaction fees.
Rewards:
1% cash back
On all other eligible purchases
2% cash back
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Gas
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
5% cash back
Select Categories
Earn 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
Welcome Bonus:Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Intro APR: 0% APR on purchases for the first 12 months, then 18.49% - 24.49% variable APR after that.
Ink Business Preferred® Credit Card offers the highest welcome bonus of any Chase business credit card. In addition, you get a 25% bonus when you redeem travel rewards points through Chase. Other Chase business cards don't offer this bonus.
Rewards:
1x points
On all other eligible purchases
Earn 1 point per $1 on all other purchases
3x points
All eligible purchases
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
Welcome Bonus: New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Best business card for simple rewards and no annual fee
Ink Business Unlimited® Credit Card has a simple rewards structure: you'll earn 1.5% cash back on every purchase. There's also a welcome bonus and a 0% introductory APR on purchases for the first 12 months. All for no annual fee.
Rewards:
1.5% cash back
All eligible purchases
1.5% cash back on all eligible purchases with no limits to the amount you can earn
Welcome Bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Intro APR: 0% on purchases for the first 12 months, then 18.49% - 24.49% variable APR after that.
Ink Business Premier℠ Credit Card is a new business card from Chase. It's the only pay-in-full business card Chase offers, making it a charge card and not a credit card, although some purchases qualify for payment over time. Purchases over $5,000 earn 2.5% cash back, and all other purchases earn 2% cash back.
Rewards:
2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases.
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more.
5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
Welcome Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
There's a Chase card for everyone. They offer great value, cash back, and ongoing rewards for consumers and small business owners. Make sure you spend some time going over your needs and your financial goals before you choose one (or two) for your credit card arsenal.
Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.
