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Chase Credit Cards: Which One Should You Get?

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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.

CardAnnual FeeWelcome Offer
Chase Freedom Flex(SM)$0Earn 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 19.99%–28.74% variable APR after that.
Chase Freedom Unlimited®$0Earn 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 19.74% - 28.49% variable APR after that.
Chase Sapphire Reserve® $550Earn 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®
Chase Sapphire Preferred® Card$95Earn 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℠$0

No welcome offer.

0% Intro APR Offer: 0% APR on purchases and balance transfers for the first 18 months, then 19.74% - 28.49% variable APR after that.
Ink Business Cash® Credit Card

$0Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

0% Intro APR Offer: 0% APR on purchases for the first 12 months, then 17.99% - 23.99% variable APR after that.
Ink Business Preferred® Credit Card$95Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Ink Business Unlimited® Credit Card

$0Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

0% Intro APR Offer: 0% on purchases for the first 12 months, then 17.99% - 23.99% variable APR after that.
Ink Business Premier℠ Credit Card$195Earn $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:

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
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
1% cash back
On all other purchases
1% cash back on all other purchases

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 19.99%–28.74% variable APR after that.

Annual Fee: $0

Read our Review

Chase Freedom Unlimited® Chase Freedom Unlimited

Best for uncomplicated rewards

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:

5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards
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
1.5% cash back
On all other purchases
Earn 1.5% cash back on all other purchases

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 19.74% - 28.49% variable APR after that.

Annual Fee: $0

Read our Review

Chase Sapphire Reserve®

Best for travel rewards

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:  

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.
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.
3x points
Dining
Earn 3x points on other travel and dining.
1x points
On all other purchases
Earn 1 point per dollar on all other eligible purchases.

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®

Intro APR: None

Annual Fee: $550

Read our Review

Chase Sapphire Preferred® Card

Best for mid-tier travel 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:

5x points
Travel
5x points on travel purchased through Chase Ultimate Rewards.
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.
2x points
Travel
2x points on travel not booked through Chase Ultimate Rewards, such as airfare, hotels, taxes and trains.
1x points
On all other purchases
1x points on all other purchases.

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®.

Intro APR: None

Annual Fee: $95

Read our Review

Chase Slate Edge℠

Best for lowering your APR

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 19.74% - 28.49% variable APR after that.

Annual Fee: $0

Read our Review

Chase Business Credit Cards

Ink Business Cash® Credit Card

Best for small business purchases

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:

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
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.
1% cash back
On all other purchases

Welcome Bonus: Earn $750 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 17.99% - 23.99% variable APR after that.

Annual Fee: $0

Read our Review

Ink Business Preferred® Credit Card

Best for business travel

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:

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.
1x points
On all other purchases
Earn 1 point per $1 on all other purchases

Welcome Bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Intro APR: None

Annual Fee: $95

Read our Review

Ink Business Unlimited® Credit Card

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 $750 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 17.99% - 23.99% variable APR after that.

Annual Fee: $0

Read our Review

Ink Business Premier℠ Credit Card

Best charge card

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:

5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more.
2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases.

Welcome Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Intro APR: None

Annual Fee: $195

Read our Review

Final Thoughts

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.

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