Best for all-around travel

Apply now
On Chase's secure site
Rewards rate
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.
Intro offer
60,000 points 
Annual fee
$95
Regular APR
17.49% - 24.49% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for flat-rate cash back

Apply now
On Chase's secure site
Rewards rate
  • 5% Enjoy 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% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% 1.5% on all other purchases
Intro offer
Earn an Additional 1.5% Cash Back 
Annual fee
$0
Regular APR
16.49% - 25.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best Chase card for business travel

Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro offer
100,000 points 
Annual fee
$95
Regular APR
17.49% - 22.49% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for everyday business purchases

Apply now
On Chase's secure site
Rewards rate
  • 5% 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% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro offer
$750 
Annual fee
$0
Regular APR
14.74% - 20.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for the small business owner

Apply now
On Chase's secure site
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
$750 
Annual fee
$0
Regular APR
14.74% - 20.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 1% Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
Intro offer
$50 Bonus 
Annual fee
$0
Regular APR
16.49% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for cash back in multiple categories

Apply now
On Chase's secure site
Rewards rate
  • 5% 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% 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% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1% Unlimited 1% cash back on all other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
16.49% - 25.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for luxury travel

Apply now
On Chase's secure site
Rewards rate
  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5x Earn 5x total points on air travel through Chase Ultimate Rewards®.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases
Intro offer
60,000 points 
Annual fee
$550
Regular APR
18.49% - 25.49% Variable
Recommended credit
Excellent (740 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 2X Earn 2X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, phone services, and select streaming.
  • 1X Earn 1 point for every $1 spent on all other purchases.
Intro offer
Earn 50,000 points 
Annual fee
$69
Regular APR
17.49% - 24.49% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, phone services, and select streaming.
Intro offer
Earn 50,000 points 
Annual fee
$99
Regular APR
17.49% - 24.49% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, phone services, and select streaming.
Intro offer
Earn 50,000 points 
Annual fee
$149
Regular APR
17.49% - 24.49% Variable
Recommended credit
Good to Excellent (670 - 850)

Compare Bankrate’s top picks for Chase credit cards

Card Name Best For Bankrate Review Score
Chase Sapphire Preferred Card All-around travel 4.3 / 5
(Read full card review)
Chase Freedom Unlimited Flat-rate cash back 4.6 / 5
(Read full card review)
Ink Business Preferred Credit Card Business travel 3.8 / 5
(Read full card review)
Ink Business Cash Credit Card Everyday business purchases 3.9 / 5
(Read full card review)
Ink Business Unlimited Credit Card Small business owners 3.9 / 5
(Read full card review)
Chase Freedom Student credit card Students 3.4 / 5
(Read full card review)
Chase Freedom Flex Cash back in multiple categories 4.3 / 5
(Read full card review)
Chase Sapphire Reserve Luxury travel 4.4 / 5
(Read full card review)
Southwest Rapid Rewards Plus Credit Card Southwest starter card 3.8 / 5
(Read full card review)
Southwest Rapid Rewards Premier Credit Card Southwest value card 3.7 / 5
(Read full card review)
Southwest Rapid Rewards Priority Credit Card Overall Southwest card 3.7 / 5
(Read full card review)

A closer look at our top-rated Chase credit cards

Chase Sapphire Preferred Card: Best all-around travel card

  • What we love about Chase Sapphire Preferred: The Chase Sapphire Preferred paves the way as a more affordable travel card without sacrificing too many premium perks. You’ll still reap high reward returns in the places that matter most, with the highest returns coming from travel purchases through the Chase Ultimate Rewards portal and dining. You’ll also still earn a handsome flat-rate of rewards on other travel purchases made outside of the Ultimate Rewards portal, essentially covering all your travel bases.
  • Who this card is good for: Both infrequent travelers and rewards aficionados who want an affordable travel card with notable perks but also plenty of flexible redemption options.
  • Alternatives: While the Sapphire Preferred is one of the most affordable annual fee cards in the travel space, some people may want to skip the annual fee altogether. If you want to stay loyal to Chase, the Chase Freedom Unlimited offers fairly similar reward rates and tiers for no annual fee.

Read our full Chase Sapphire Preferred Card review.
Jump back to offer details.

Chase Freedom Unlimited: Best flat-rate cash back card

  • What we love about the Chase Freedom Unlimited: A flat rewards rate of 1.5 percent on all purchases is competitive, especially for a card like the Chase Freedom Unlimited offering decadent travel rewards and plenty of redemption options—all for no annual fee.
  • Who this card is good for: Travel newbies with a Chase loyalty. Since the base rewards rate is better than average, you can earn and redeem rewards fairly easily once you learn how to maneuver Ultimate Rewards.
  • Alternatives: If you’re searching for a bit more flexibility on where you want to earn the most, the Chase Freedom Flex℠ offers a comparably high rate in bonus categories that you enroll in each quarter you activate (though there is a spending cap to keep in mind). This extra bout of rewards is in addition to a reward rate on travel and dining that is fairly similar to the Chase Freedom Unlimited.

Read our full Chase Freedom Unlimited review.
Jump back to offer details.

Ink Business Preferred Credit Card: Best for business travel

  • What we love about the Ink Business Preferred: The sign-up bonus on this card is one of the best around, especially for business owners that can easily hit the spending requirement with business expenses. The annual fee is also low for a business card while still offering some of the prime business benefits on the market.
  • Who this card is good for: Frequent business travelers or big business spenders who want to take advantage of the low annual fee compared to other premier business travel cards and who bank on Chase’s travel points boost with Ultimate Rewards.
  • Alternatives: If the annual fee is what’s holding you back on this Ink business card, there are two others available from Chase, including the Ink Business Cash Credit Card and the Ink Business Unlimited Credit Card, both cards with no annual fee. The caveat here is that you’ll miss out on the lucrative sign-up bonus and will have to suffice for lower travel reward rates.

Read our full Ink Business Preferred Credit Card review.
Jump back to offer details.

Ink Business Cash Credit Card: Best for everyday business purchases

  • What we love about the Ink Business Cash: The Ink Business Cash is a fairly easy to manage business card that covers some of the most popular spending categories for brick and mortar businesses like office supplies and internet services. You can also earn on the road with purchases at gas stations and on business coffees, lunches and dinners for a well-rounded business expense card.
  • Who this card is good for: Business owners with high budget allowances for office supplies and internet, cable and phone services, since these items are covered in the highest reward tier (with spending caps involved).
  • Alternatives: If a spending cap will hold you back in any way, the Ink Business Unlimited card offers unlimited 1.5 percent cash back on all purchases you make for your business while still skipping the annual fee.

Read our full Ink Business Cash Credit Card review.
Jump back to offer details.

Ink Business Unlimited Credit Card: Best for the small-business owner

  • What we love about the Ink Business Unlimited: The generous welcome bonus, high flat rewards rate and lack of an annual fee make this card ideal for young business owners just getting started. Whether you’re opening a brick and mortar storefront or an online product hub, all of your business expenses will be captured in the unlimited cash back rewards on all business purchases.
  • Who this card is good for: Entrepreneurs and small business owners who have a wide array of expenses to cover and can benefit from the unlimited rewards on all purchases.
  • Alternatives: If you’re loyal to Chase or you’re a fan of the Ink Business suite, the no annual fee alternative to this unlimited rewards card is the Ink Business Cash, which offers higher rewards rates on very specific business spending categories. If you’re willing to venture outside of Chase, the Capital One Spark Cash Plus offers 2 percent unlimited flat rewards on all purchases, but you’ll have to foot the bill for a $150 annual fee (that could be offset by your extra earnings, depending on how much you spend).

Read our full Ink Business Unlimited Credit Card review.
Jump back to offer details.

Chase Freedom Student credit card: Best for students

  • What we love about the Chase Freedom Student: One of the easiest cards to manage for those who are just getting started on their credit journeys, the Chase Freedom Student will cover any expense you need it for at the same cash back rate. The intro offer on the card is also one of the easiest to obtain, considering you only have to make one purchase in the first three months to gain access to an extra $50.
  • Who this card is good for: Students who want to try their hand at building great credit habits early while also earning some rewards in the process.
  • Alternatives: Though the Chase Freedom Student is pretty hassle-free, there are many student cards on the market that offer more lucrative rewards rates, especially if you’re willing to take on tracking and enrolling in rotating bonus categories. The Capital One Quicksilver Student Cash Rewards Credit Card offers a higher flat rewards rate, but you’ll need to be wary of the card’s sky high ongoing APR if you carry a balance.

Read our full Chase Freedom Student credit card review.
Jump back to offer details.

Chase Freedom Flex: Best for cash back in multiple categories

  • What we love about the Chase Freedom Flex: You’ll have a wide array of earning opportunities with the Chase Freedom Flex thanks to its high returns on rotating bonus categories each quarter (enrollment required) and travel through Chase’s Ultimate Rewards portal. The sign-up bonus is very easy to attain and as is custom with Chase Ultimate Rewards, your redemption options are great.
  • Who this card is good for: Rewards strategists and Chase loyalists who want to continue to build up points value with the Ultimate Rewards portal. If you don’t mind tracking and enrolling in bonus categories to reap maximum rewards, you’ll get a lot of leverage out of this card.
  • Alternatives: Tracking categories and staying on top of enrollment dates are not always ideal, especially in addition to navigating restricting quarterly spending caps that could downsize your reward earnings. In this case, a flat-rate rewards card would be a great option to choose instead or to pair with the Chase Freedom Flex. The Chase Freedom Unlimited offers a similar reward structure for no annual fee, but something like the Wells Fargo Active Cash® Card could get some of the highest flat rewards rates around for less work and no spending caps.

Read our full Chase Freedom Flex review.
Jump back to offer details.

Chase Sapphire Reserve: Best luxury travel card

  • What we love about the Chase Sapphire Reserve: The sky high rewards rate you’ll earn on travel purchased through the Ultimate Rewards portal here is hard to beat, though you will pay the price for such access. The sign-up bonus on the card is also significant, and you can earn up to $300 in travel credit every year.
  • Who this card is good for: Frequent travelers who invest in luxury perks. You’ll gain access to upcoming Chase Sapphire Lounge locations and a suite of other luxe travel benefits including some of the best travel insurances available and plenty of statement credits.
  • Alternatives: A $550 annual fee is nothing to sneeze at though you will be paying for some of the top luxury benefits on the cards market. If you’re looking to invest in some extra travel benefits without breaking the bank, the Chase Sapphire Preferred or the Capital One Venture Rewards Credit Card gets you some formidle travel perks for a more palatable $95 annually.

Read our full Chase Sapphire Reserve card review.
Jump back to offer details.

Southwest Rapid Rewards Plus Credit Card: Best Southwest starter card

  • What we love about the Southwest Rapid Rewards Plus Card: You can earn the same Southwest intro offer with this card for the lowest price at $69 annually while also getting pretty solid rewards for everyday purchases.
  • Who this card is good for: Beginner travelers who prefer to fly Southwest when they do travel. This card is also ideal for people who want the cheapest Southwest card and who also find just as much value in ground travel and internet-related services.
  • Alternatives: All three of the Southwest cards listed on our Chase page have the same intro offer, but varying annual fee costs. The Southwest Rapid Rewards Plus is the most cost effective, but if you fly more often and want a bit more bang for your buck, the Southwest Rapid Rewards Premier Credit Card is one step up on the rewards value front for a marginally larger $99 annual fee.

Read our full Southwest Rapid Rewards Plus Credit Card review.
Jump back to offer details.

Southwest Rapid Rewards Premier Credit Card: Best Southwest value card

  • What we love about the Southwest Rapid Rewards Premier Card: This card is the perfect middle ground in the Southwest credit card suite. The annual fee is present, but not outlandish and you’ll still benefit from the same intro offer and rewards structure as the highest tier Southwest card.
  • Who this card is good for: Southwest flyers who fly often and may even venture into international travel, as there are no foreign transaction fees to account for with this card (unlike the lower tier Southwest card).
  • Alternatives: If you want a similar rewards structure for a bit cheaper, the Southwest Rapid Rewards Plus could be your match. If you want just a little bit extra than what’s offered here, like boarding upgrades and annual bonuses, the Southwest Rapid Rewards Priority may be worth the investment.

Read our full Southwest Rapid Rewards Premier Credit Card review.
Jump back to offer details.

Southwest Rapid Rewards Priority Credit Card: Best overall Southwest card

  • What we love about the Southwest Rapid Rewards Priority Card: It’s simple to earn lots of rewards toward your future Southwest flights with this card thanks to the straightforward reward structure. You’ll also get more value for your investment in the form of annual travel credits, a substantial amount of cash back on in-flight purchases and a fast track to A-list status.
  • Who this card is good for: Southwest jet-setters who fly and fly Southwest most often. These travelers will benefit most from perks like in-flight savings, annual travel credits and boarding upgrades.
  • Alternatives: The Southwest Rapid Rewards Priority card is the most valuable Southwest card of them all because of its standout benefits. However, these top tier perks do come with a price and the Southwest Rapid Rewards Premier card offers an identical rewards structure and intro offer for less money annually, though you will miss out on some key travel credits. If you’re not loyal to Southwest and would prefer a general travel option, the Citi Premier® Card has a similar focus on rewarding everyday purchases that can be used toward travel with any airline of your choice at a cheaper $95 annually.

Read our full Southwest Rapid Rewards Priority Credit Card review.
Jump back to offer details.


Who are Chase credit cards good for?

What are the benefits of Chase credit cards?

Chase cards come with a variety of benefits and top-notch rewards. As a rule of thumb, always check your card’s terms and conditions to confirm its benefits, but many Chase credit cards offer the following:

The Chase Trifecta

Having more than one Chase card in your wallet is the best way to maximize your rewards. It takes some added planning, but savvy cardholders can take advantage of the Chase Trifecta, where you pair flat-rate earning cards with ones that have specialized categories. This strategy gives cardholders access to earn rewards at their highest point value, pool points together, and redeem for boosted value.

Chase Ultimate Rewards Portal

In addition to the benefits and accessibility, Chase offers cardholders one of the industry’s signature rewards programs: Chase Ultimate Rewards. With Ultimate Rewards, cardholders can earn and redeem points for cash back, statement credits, gift cards or travel rewards. Also, points get extra value when redeemed for travel through Chase Ultimate Rewards with the Chase Sapphire Preferred or Chase Sapphire Reserve.

Pay Yourself Back

Chase launched the Pay Yourself Back feature in early 2020, allowing cardholders to redeem their rewards on past purchases with better value (typically boosted from 25 to 50 percent). The feature is available with the Sapphire series and other select Chase cards until June 30, 2022. You can select a qualifying purchase made in the past 90 days, then redeem some (or all) of your points from the transaction and receive a statement credit.

Some cards have more flexibility within the program, but as of now the following Chase cards offer Pay Yourself Back:

Pros and cons of Chase credit cards

Pros

  • Flexible rewards redemption: Thanks mostly to the Chase Ultimate Rewards program, most Chase cards host a plethora of redemption options ranging from travel to charitable donations.
  • Top tier travel partners: Chase’s long list of travel partners and 1:1 points transfer rate give you even more ways to use your points.

Cons

  • High credit score requirements: With top-notch travel rewards and generous offers, most of Chase’s cards require a good to excellent credit score.
  • High price premium cards: The Chase cards with the most generous benefits and rewards have annual fees ranging from a more standard $95 to over $500.

How to choose the best Chase credit card

It’s easier to find an ideal match for a credit card by keeping the focus where it needs to be—on you. As you start to compare Chase cards, consider these questions.

What kind of rewards would you like to earn most?

Travel rewards and cash back are a staple among Chase rewards cards. There are also some Chase business cards that cater to business-specific purchases. Evaluate your spending habits and choose a card that will benefit you and your needs.

Are you willing to use Chase Ultimate Rewards?

Often, the value of your reward earnings will double when redeemed through the Chase Ultimate Rewards program. If you use the Ultimate Rewards Portal or you have multiple Chase cards (including a premier Chase card), pooling your rewards and redeeming through the portal could produce a windfall of earnings.

Are you willing to take on an annual fee?

Plenty of Chase cards come without an annual fee but a few do add this extra charge in exchange for a few more lucrative benefits. To determine if an annual fee is worth it, understand all the perks and benefits that the annual fee is paying for and if your own use of those benefits makes the fee worthwhile.

Still unsure if a Chase credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

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Bankrate Insight
Chase decided to implement The 5/24 rule for all Chase cards in June 2016. It states that to be approved, you can’t have opened five or more personal credit card accounts in the 24 months prior to your application.

How we chose our top Chase credit cards

Bankrate's personal finance experts have evaluated the top Chase credit cards according to our 5-star rating system. The list of criteria includes:

APR

How the card's annual percentage rate (APR) compares with current averages as an indicator of cost and value.

Rewards

Whether the card offers strong rewards for travel points/miles or across multiple categories for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).

Perks and benefits

Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance, luxury benefits and financial management tools.

Annual fee

Whether the card charges an annual fee and if so, how much the card's overall value and benefits might offset the fee.

Introductory offers

Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value.

Foreign transaction fee

Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value.


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Frequently asked questions about Chase credit cards

about the author
As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.
about the editor
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.