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Chase offers a variety of credit cards to meet the needs of consumers and small business owners. Depending on which card you select, you could receive a generous welcome bonus, earn rewards on purchases, take advantage of perks, and eliminate interest with 0% APR offers. The best Chase credit cards offer numerous benefits and features that can work with your budget, spending patterns, and financial goals.
With so many Chase credit cards to choose from, it helps to narrow down the list based on what's most important to you.
Chase Freedom Unlimited®
Best Chase credit cards compared 2023
|Card||Best for||Bonus rewards||APR||Annual fees||Credit score|
20.49% to 29.24% Variable
Our recommendations for the best Chase credit card for November 2023
Best for beginners: card_name
Why we chose it: card_name is the best Chase credit card for beginners because it offers tremendous value for a reasonable annual fee. Cardholders can earn up to 5x points on purchases and get up to $50 in statement credits each year for hotel reservations booked through Chase.
This card earns Chase Ultimate Rewards points, which is an excellent rewards program for beginners. The points can be redeemed for cash back, gift cards, travel, and more. Plus, when redeeming for flights, hotels, rental cars, and other travel reservations through Chase, they're worth 1.25 cents per point, which offers 25% more value than getting cash back. Points can also be transferred on a 1:1 basis to 14 airline and hotel partners to combine with your existing rewards to book award travel reservations.
With the Chase Sapphire Preferred, you'll earn:
- 5x on travel purchased through Chase Ultimate Rewards.
- 2x on all other travel.
- 3x on dining, online grocery orders, and select streaming services.
- 1x on everything else.
Plus, you'll receive anniversary bonus points totaling 10% of that year's purchases. For example, if you spend $15,000 that year, you'll receive 1,500 bonus points.
The card_name includes valuable travel and purchase protections for free, and does not charge foreign transaction fees. It also includes limited time offers to receive more points, monthly credits, and upgrades with Lyft, Instacart, DoorDash, and Peloton.
Best for travel: card_name
Why we chose it: card_name is the ultimate travel credit card from Chase. It includes over $1,200 in additional value that easily justifies its hefty annual fee for frequent travelers. Benefits include an annual $300 travel credit, up to 10x points on purchases, complimentary airport lounge access, generous travel protections, and more.
The $300 travel credit automatically applies to travel purchases made on your Sapphire Reserve each year. You'll earn 3x points on travel purchases worldwide or when you book reservations through Chase Ultimate Rewards, 10x points on hotels and car rentals, and 5x points on flights (after the first $300 is spent on travel each year). The card also receives 3x on dining or 10x on Chase Dining purchases with Ultimate Rewards.
While you can redeem points for cash back, gift cards, and online shopping, you'll get the most value by booking travel or by transferring points to its partners. When booking flights, hotels, and more through Chase, you'll receive 1.5 cents per point, which is 50% more value. Points transfer on a 1:1 basis to 14 airline and hotel partners, which could lead to even higher value depending on how they're used.
When traveling, you'll receive complimentary access to more than 1,300 airport lounges with a Priority Pass Select membership. The card also reimburses up to $100 every four years for Global Entry, TSA PreCheck, or NEXUS application fees. card_name includes some of the best travel protections of any travel credit card, including trip cancellation/interruption, primary rental car protection, lost luggage, trip delay, and emergency evacuation and transportation. It also includes purchase and return protection, as well as an extended warranty on eligible items.
Best for building credit: Chase Freedom Rise
Chase Freedom Rise
Chase Freedom Rise
Welcome bonus: None
Why we chose it: This Chase card helps consumers start building credit without paying an annual fee. It also earns 1.5% cash back, provides a $25 incentive for enrolling in automatic payments, and offers a chance at a credit limit increase in as soon as six months.
Building credit can be a challenge for many. When you have a Chase checking account with at least $250, you'll increase your chances of getting approved for the Chase Freedom Rise. This is not a secured credit card, so you don't need to make a security deposit to open an account.
Cardholders earn an unlimited 1.5% cash back on every purchase. These rewards never expire as long as the account is open, and there is no minimum to redeem for cash back. Rewards can be redeemed for cash back, travel, gift cards, and more with a value of up to 1 cent per point. Additionally, the card includes purchase protections, an extended warranty, trip cancellation/interruption insurance on eligible items, and complimentary partner benefits with DoorDash, Lyft, and Instacart.
Best for groceries: card_name
Why we chose it: The card_name offers 5% rewards on all purchases at Whole Foods Market online or in-store, at Amazon.com, and through Amazon Fresh online or in-store with an eligible Prime membership. While Amazon is primarily known for online shopping, it's also a smart choice for groceries and household items.
This card also earns 5% on Chase Travel for Prime members and 2% on gas, dining, local transit, and commuting. Plus, select products at Amazon can earn 10% back or more with your Prime membership. All other purchases earn 1% rewards with no annual fee and no foreign transaction fees. Rewards can be redeemed for Amazon credits as soon as the next day or through Chase for cash back, gift cards, or travel.
Cardholders also enjoy travel and purchase protections at no extra charge. Travelers receive rental car protection, lost or delayed baggage benefits, roadside dispatch, and more. Eligible purchases are covered with an extended warranty and purchase protection.
Best for new business: card_name
Why we chose it: Small business owners can maximize their rewards with the card_name. It earns 3x points on the first $150,000 in common business expenses each year, such as shipping, online advertising, internet, cable, phone, and travel. This card also earns 5x points on Lyft rides through March 2025. In addition, owners can add employee cards with individual spending limits at no extra charge.
Points earned from the card have numerous redemption options, including cash back, gift cards, travel, and more. When you book travel through Chase, your points are worth 25% more (1.25 cents each). The points also transfer on a 1:1 basis to 14 airline and hotel partners, where you can book award flights and rooms at a potentially even higher value.
When you use the card_name to make purchases, it includes complimentary travel, cellphone and purchase protections on eligible items. These protections include trip cancellation/interruption insurance, primary rental car protection, purchase protection against theft or damage, and an extended warranty.
Best for airline miles: card_name
Why we chose it: The card_name is our choice for the best Chase credit card for airline miles. It earns up to 2x miles on purchases, includes special benefits when flying United, and waives the first year's annual fee.
The card earns United MileagePlus miles on everyday purchases. You'll earn 2x miles on United, on dining purchases, and when booking hotels directly. All other purchases get 1x miles. The card also reimburses up to $100 every four years when you pay for Global Entry, TSA PreCheck, or NEXUS application fees.
You'll enjoy complimentary travel and purchase protections on eligible purchases. You're covered against theft or damage with primary rental car protection, lost or delayed baggage, trip delays, and if your trip is canceled or interrupted. Eligible items are covered against damage or theft and receive an extended warranty at no extra charge.
When flying United, you'll receive even more benefits. The first checked bag is free for you and one companion. You and your travel companions receive priority boarding and 25% back on United inflight and Club purchases. It also includes two complimentary United Club passes each year. Plus, if you have Premier status, you and a travel companion are eligible for complimentary upgrades on select flights.
Best for balance transfer: card_name
Why we chose it: The card_name is ideal for consumers who need extra time to pay off their balances. It offers a 0% intro APR for 18 months on both purchases and balance transfers. That's one and a half years of interest-free financing to pay off your existing balances and avoid interest charges on new purchases.
While this card doesn't earn rewards, it helps cardholders improve their credit and reduce interest charges. Each year, cardholders can lower their interest rate by 2% by making on-time payments and spending at least $1,000 by their next card anniversary. Additionally, Chase automatically reviews accounts for a credit limit increase when you pay on time and spend $500 or more in the first six months.
Chase includes complimentary purchase protection and extended warranty coverage on eligible items. Plus, the Slate Edge offers secondary rental car coverage against theft or damage. For a limited time, cardholders also receive DoorDash and Instacart benefits.
Best for cash back: Chase Freedom Flex
Chase Freedom Rise
Chase Freedom Rise
Welcome bonus: Earn a $200 bonus when you spend $500 within three months of opening your account. Plus, earn 5% cash back on the first $12,000 spent on groceries during the first year.
Why we chose it: The Chase Freedom Flex is an excellent cash back credit card that earns up to 5% cash back on quarterly rotating categories. When you activate the promotions, you'll get 5% cash back on the first $1,500 you spend on eligible purchases each quarter. When you max out the rotating category bonuses, you'll earn $300 cash back each year.
The Freedom Flex has no annual fee and earns 5% cash back on travel purchased through Chase, 3% on dining and drugstore purchases, and 1% on everything else. It also comes with a 0% intro APR offer for 15 months on purchases and balance transfers. The rewards can be redeemed for cash back, travel, gift cards, and shopping at Amazon.
Cardholders also receive purchase protection, cellphone protection, and an extended warranty on eligible purchases. Additionally, your trips are covered with trip cancellation/interruption insurance and secondary rental car protection.
Best for everyday use: card_name
Chase Freedom Unlimited®
Why we chose it: One of the best Chase credit cards for everyday spending is the card_name because it earns a minimum of 1.5% cash back on every purchase. Plus, it offers bonus categories earning up to 5% cash back on your purchases without charging an annual fee.
Cardholders can earn valuable rewards on everyday purchases with:
- 5% on travel purchased through Chase Ultimate Rewards.
- 3% on dining and drugstore purchases.
- UNLIMITED 1.5% on all other purchases.
Rewards never expire as long as your account is open, and there are numerous redemption options to choose from. Rewards earned are Chase Ultimate Rewards points, which can be redeemed for cash back, gift cards, travel, or shopping at Amazon. Cardholders also enjoy purchase and travel protections at no extra charge. Purchase protections include coverage against damage or theft and an extended warranty on eligible items. Travel protections include trip cancellation/interruption insurance and coverage for theft or damage to your rental car.
Best for gas purchases: card_name
Why we chose it: The card_name offers unlimited 2x United MileagePlus miles on gas station purchases without charging an annual fee. This allows cardholders to earn miles toward their next vacation while commuting to work, running errands around town, and all of their other gas purchases. New cardholders get extra time to pay off their items without incurring interest charges with a 0% intro APR for 12 months on purchases.
In addition to earning bonus miles at gas stations, the United Gateway Card also earns 2x miles on United purchases, local transit, and commuting purchases. In addition to earning 2x miles on inflight food, beverages and WiFi, baggage fees and other United purchases, cardholders also receive 25% back on inflight and United Club food, drink, and WiFi purchases. The card also offers 2x miles on rideshare, taxis, train tickets, tolls and mass transit.
card_name cardholders also receive rental car protection, trip cancellation/interruption insurance, purchase protection, and an extended warranty on eligible purchases. Plus, there are no foreign transaction fees when making purchases outside the U.S.
Best for military: card_name
Why we chose it: For an active member of the military, Chase waives the annual fee on its credit cards. The card_name offers valuable benefits that reward cardholders for flying Southwest and using the card for everyday purchases. It earns up to 3x points, provides an anniversary bonus of 7,500 points, and includes a $75 Southwest travel credit every year.
With your card_name, you'll earn:
- 3x on Southwest flights and other purchases.
- 2x with Rapid Rewards hotel and car rental partners.
- 2x on local transit, commuting and rideshares.
- 2x on internet, cable, phone and select streaming.
- 1x on everything else.
Exclusive cardholder benefits also include four Upgraded Boardings per year, 25% back on inflight purchases, and 10,000 qualifying points each year toward earning the Companion Pass. Additionally, you can earn unlimited tier qualifying points (TQPs) toward A-List status based on your spending. These benefits are in addition to the standard benefits that travelers love, including two free checked bags, no change fees, and no blackout dates on award tickets.
When selecting the best Chase credit cards, we reviewed all that are currently available. There are 29 personal cards and 10 business credit cards to choose from. To make our choices, we compared each card's:
- Welcome bonus.
- Minimum spending requirement.
- Type of rewards earned.
- Bonus categories.
- Quarterly and annual spending limits.
- Annual fees.
- Foreign transaction fees.
- Ongoing perks and benefits.
- Intro APR offers.
We weighed the features of every option to determine which Chase credit card is best suited for each type of cardholder.
How to choose the right Chase credit card for you
With so many appealing options, it can be challenging to know which Chase credit card is best for you. Before making a selection, it's important to compare the features, annual fees, rewards, and other benefits included with each card.
Here are a few questions to ask about each card:
- Welcome bonus. How much can you earn when opening a new Chase credit card? Are you able to meet the minimum spending requirement without going into debt?
- Rewards. Which type(s) of rewards will you earn—cash back, airline miles, hotel points or flexible points? Does the card offer bonus categories that align with how you spend? Are there limits on how many rewards you can earn?
- Intro APR offers. Does the card offer an intro APR offer on purchases, balance transfers, or both? How long does the offer last and are there any fees?
- Annual fees. Does the card charge an annual fee? Will you earn rewards or receive benefits that justify that cost? Is there a charge for adding authorized users?
- Benefits. Which types of benefits does the card offer? Travel cards may include travel perks such as elite status, free checked bags, priority boarding, airport lounge access, an annual free hotel night, rental car protection, and other valuable perks. Other benefits include purchase and return protections or an extended warranty on eligible items.
- Foreign transaction fees. Does the card charge extra fees on international purchases? These hidden fees can add up to 3% to your purchase price.
TIME Stamp: Chase has credit cards for every type of spending habits
Chase offers almost 30 credit cards for consumers and small business owners. With so many options, it can be challenging to find the right card for your spending habits, goals, and budget. This list shares our choices for the best Chase credit cards and will help you narrow your search. Depending on your goals, you can earn valuable rewards, enjoy numerous perks, and take advantage of intro APR offers to eliminate interest charges.
Frequently asked questions (FAQs)
What are the best Chase credit cards to combine?
Chase offers many credit cards with bonus categories on everyday expenses. However, cardholders’ needs often cannot be met with a single card. The Chase Trifecta strategy combines the card_name, card_name, and card_name to maximize rewards from each card’s bonus categories.
Can I add authorized users to my Chase credit card account?
Yes, most Chase credit cards allow account owners to add authorized users to their credit cards. Many Chase credit cards—among them, the card_name and card_name—do not charge for adding authorized users. Some cards (for example, the Chase Sapphire Reserve) do charge an annual fee for each authorized user.
How to apply for a Chase credit card
Once you've chosen the best Chase credit card for your needs, you can apply online, over the phone, through the bank's mobile app, or in response to a mailer. You'll need to provide your personal information, including name, address, phone number, and Social Security number. Additionally, the application requires that you share your income, employment status, housing costs, and other relevant information. If you have existing Chase accounts, you can expedite the application process by logging into your account before applying. This pre-populates some of your personal information based on the bank's records.
How do I get preapproved for a Chase credit card?
The Chase pre-approval portal is not currently available, so you cannot check for pre-approved offers through the Chase website. However, select customers may receive pre-approvals directly through the mail or inside a branch. Our pre-approval tool checks for preapproved offers from Chase and other banks through a single form.
How long does it take for Chase to approve a credit card account?
Many applicants receive an immediate decision when submitting a Chase credit card application online. When your application goes pending, you’ll receive a written decision or follow-up within 14 days. If you don’t want to wait that long, consider calling the Chase application department at (888) 338-2586 to inquire about the status of your application. Existing Chase customers may also check their application status from the menu of their online dashboard.
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