At BankCreditRates, our mission is to assist you in making informed financial choices. We are committed to upholding rigorous editorial standards. Please note that this article may make mention of financial products offered by our trusted partners.
Chase offers a variety of credit cards for both individuals and small businesses. Depending on the card you choose, you can get a nice welcome bonus, earn rewards on your purchases, enjoy perks, and take advantage of 0% APR offers to avoid paying interest.
To pick the best Chase credit card for you, firstly, think about your budget, spending habits, and financial goals. Keep in mind that these cards usually require a good to excellent credit score, so it is a good idea to improve your credit before applying for the credit card. Whether you’re an adventurer or a home shopper, there is a Chase card for you.
In this article, I share my personal experience with Best Chase Credit Cards, highlighting the incredible rewards, practical benefits, and user-friendly features that make Chase Credit cards more than just a piece of plastic. Read on and tell us your favorite Chase credit card feature. Let’s simplify and enjoy managing money together!
- 1 Types Of Chase Credit Cards
- 1.1 Chase Freedom Unlimited®- No-Annual-Fee Card
- 1.2 Chase Freedom Flex℠- A Cashback Credit Card
- 1.3 Chase Sapphire Reserve®-A Luxury Card
- 1.4 Ink Business Preferred® Credit Card- Small business card
- 1.5 Chase Sapphire Preferred® Credit Card-Travel card
- 1.6 Ink Business Cash® Credit Card- No-annual-fee business card
- 1.7 Ink Business Unlimited® Credit Card
- 1.8 Southwest Rapid Rewards® Plus Credit Card
- 1.9 Southwest Rapid Rewards® Premier Credit Card
- 1.10 Features
- 1.11 Southwest Rapid Rewards® Priority Credit Card
- 2 How To Choose The Best Chase Credit Card?
- 3 How One Can Apply For a Chase Credit Card?
- 4 Conclusion
Types Of Chase Credit Cards
The various types of Chase Credit Cards are listed below:-
Chase Freedom Unlimited®- No-Annual-Fee Card
Chase Freedom Unlimited® Card is a no-annual-fee card for easy rewards without the hassle. Users can score 5% cash back on travel, 3% on dining and drugstores, and 1.5% on everything else.
Moreover, you can enjoy a sweet welcome bonus. Chase matches all your first-year cash back and there is no annual fee and a 0% intro APR for the first 15 months on purchases and balance transfers (then 20.49% – 29.24% variable APR).
Chase Freedom Unlimited® Card your ticket to special financing and perks without any confusion.
The features of the Chase Freedom Unlimited® credit card are listed below:-
- Earn Easily: Get 5% cash back on travel, 3% on dining and drugstore purchases, and 1.5% on everything else – no sweat.
- Welcome Bonus: Chase doubles your cash back in the first year as a welcome bonus – double the joy!
- No Annual Fee: No annual fee, so you keep all the rewards without spending extra.
- Intro APR Offer: Users can enjoy a 0% intro APR for the first 15 months on purchases and balance transfers.
Are you having curious in credit cards? Discover the benefits of Best Capital One Credit Cards.
Chase Freedom Flex℠- A Cashback Credit Card
The Chase Freedom Flex℠ is a fantastic cash-back credit card that rewards users with 5% back on rotating categories and 1% on all other purchases. Additionally, users can enjoy 5% cash back on travel, 3% on dining and drugstore purchases, and 1% on everything else.
What’s great is that there’s no annual fee, and for the first 15 months, users benefit from a 0% intro APR (20.49% – 29.24% variable APR afterward).
Users can also take advantage of exclusive benefits like 5% cash back on Lyft rides until March 2025 and three months of complimentary DashPass, plus a 50% discount for the following nine months (activation required by December 2024).
For those looking for a straightforward approach check out the Chase Freedom Unlimited®, the best no-annual-fee option.
The features of the Chase Freedom Flex℠ credit card are listed below:-
- Rotating Rewards: Earn 5% back on changing categories, and 1% on everything else.
- Versatile Cash Back: Earn 5% on travel, 3% on dining and drugstores, 1% on all else.
- Introductory Benefits: No annual fee and 0% intro APR for 15 months.
- Exclusive Perks: Enjoy bonuses like 5% cash back on Lyft and free DashPass.
Are you searching for the Best Student Cash Back Credit Card? Look no further! Our card offers unbeatable rewards and benefits.
Chase Sapphire Reserve®-A Luxury Card
The Chase Sapphire Reserve is a great travel card with great perks. You get 5X points on flights and 10X points on hotels and car rentals via Chase Ultimate Rewards, plus 3X points on other travel and dining.
You can enjoy a $300 yearly credit for travel, a $100 credit for Global Entry/TSA PreCheck, and free Priority Pass Select airport lounge access. Your points are worth 50% more for travel, and there are cool benefits like upgrades and free breakfast with the Luxury Hotel & Resort Collection.
The $550 annual fee is worth it for these perks, but if you want a lower fee, there’s the Sapphire Preferred at $95 a year.
- The features of the Chase Sapphire Reserve credit card are listed below:-
- High Rewards: Earn 5X points on flights and 10X points on hotels and car rentals.
- Generous Travel Credits: Get a $300 annual credit for travel expenses.
- Airport Lounge Access: Users can enjoy free access to over 1,000 lounges worldwide with Priority Pass Select.
Have you heard about the U.S. Bank Visa Platinum Card? It offers fantastic perks like cashback and low APR.
Ink Business Preferred® Credit Card- Small business card
The Ink Business Preferred Card is a perfect card for business owners where users can earn 3X points on travel, shipping, internet, and advertising, and 1X on other purchases. You can get a huge 100,000 points bonus after spending $8,000 in the first three months – worth $1,250 for travel!
For a $95 annual fee, users can enjoy perks like no foreign transaction fees, auto rental coverage, trip insurance, and free employee cards. Moreover, users can get cell phone protection for up to $600 for theft or damage when they pay with the card.
The features of the Ink Business Preferred® credit card are listed below:-
- Triple Points Magic: Users can earn 3X points on travel, shipping, internet, and ads.
- 100K Welcome Bonus: Score 100,000 bonus points after $8,000 spent in 3 months.
- Valuable Perks: Despite a $95 annual fee, the card offers perks like no foreign fees, trip insurance, auto rental coverage, and more.
- Phone Savior: The Card includes $600 protection for phone theft or damage.
Chase Sapphire Preferred® Credit Card-Travel card
Chase Sapphire Preferred card is a travel card where users can earn 5X points on Chase Ultimate Rewards® travel, 3X points on dining, and 2X points on other travel, all for just a $95 annual fee. Users can score a welcome bonus of 60,000 points, equal to $750 in travel!
Your points get a 25% boost when you use them for airfare, hotels, car rentals, and cruises through Chase. Additionally, you can transfer points to airlines and hotels like United and British Airways for even more value and enjoy an extra $50 annual Ultimate Rewards Hotel Credit, and there are no foreign transaction fees and travel insurance.
The features of the Chase Sapphire Preferred credit card are listed below:-
- High-Earning Rewards: Get 5X points on travel, 3X on dining, and 2X on other travel with Chase Sapphire Preferred.
- Welcome Bonus: Users can score 60,000 points (worth up to $750) by spending $4,000 in their first 3 months.
- Boosted Value: Users can enjoy 25% more value when they use points for travel through the Chase portal.
- Flexible Transfer Options: Users can transfer points to airlines like United and British Airways for flexible and rewarding travel options.
Have you checked out the Best Chase Credit Cards? They offer fantastic rewards and perks. I recently applied and love mine! What do you think?
Ink Business Cash® Credit Card- No-annual-fee business card
It is very hectic to run a small business, but you can simplify handling expenses with a handy tool like the Ink Business Cash Credit Card. There is no annual fee and you can get employee cards for free with spending limits you control.
Users can also get 5% cash back on office supplies and online services, plus 2% at gas stations and restaurants (up to $25,000 each, then 1% later on).
Other purchases earn you 1% cash back. You can enjoy travel perks like no foreign transaction fees, rental car coverage, and trip cancellation/interruption insurance. In short, It’s a small business owner’s financial friend.
The features of the Ink Business Cash® Credit card are listed below:-
- No Annual Fee: Ink Business Cash Credit Card comes with no annual fees.
- Cash Back Rewards: Earn cash back on office supplies, gas, and dining – making every purchase work for you.
- Employee Card Benefits: Get employee cards at no cost and control spending limits effortlessly.
Ink Business Unlimited® Credit Card
Ink Business Cash® Credit Card is a great tool for small business owners that comes with no annual fee and free employee cards with spending limits. The card offers 1.5% cash back on all purchases and users can enjoy a $900 bonus after spending $6,000 in the first 3 months.
Moreover, users get benefits from a $0 annual fee and a 0% intro APR on purchases for 12 months, along with valuable travel and purchase coverage perks.
The features of the Ink Business Unlimited® credit card are listed below:-
- No Annual Fees: The Ink Business Unlimited® Credit Card has a $0 annual fee.
- Cashback bonus: New cardholders get a $900 cash-back bonus after spending $6,000 in the first 3 months.
- Smart Spending: Enjoy a 0% intro APR on purchases for 12 months, then a variable APR of 18.49% to 24.49%.
- Simplified Cash Back: Earn an unlimited 1.5% cash back on every purchase.
Southwest Rapid Rewards® Plus Credit Card
The Southwest Rapid Rewards® Plus Credit Card by Chase is perfect for frequent Southwest Airlines flyers where users can earn two points for every dollar spent on Southwest purchases, and redeem points for flights, hotels, gift cards, and more.
They can also enjoy perks like 3,000 bonus points on their card anniversary, along with benefits such as baggage delay insurance, extended warranty protection, lost luggage reimbursement, and purchase protection.
The features of the Southwest Rapid Rewards® Plus credit card are listed below:-
- Earn Points Easily: Users can get two points for every dollar spent on Southwest purchases.
- Sign-up Bonus: New cardholders can earn 75,000 bonus points by spending $3,000 on purchases in the first 3 months from account opening.
- Anniversary Bonus: Users can also enjoy 3,000 points as a bonus on their cardholder anniversary.
Southwest Rapid Rewards® Premier Credit Card
Chase’s Southwest Rapid Rewards® Premier Credit Card is a great choice for earning points on all your purchases. If you’re a new cardholder, you can spend $3,000 in the first 3 months and gift yourself 75,000 bonus points.
Moreover, users can get an extra 6,000 points every year on their card anniversary. There is a $99 annual fee, but the variable interest rates are between 21.49% and 28.49%
The features of the Southwest Rapid Rewards® Premier credit card are listed below:-
- Rewards: Users get 3 points/dollar on Southwest purchases, 2 points on local transit, and ride-hailing, and 2 points on internet, cable, and phone services.
- Sign-up Bonus: Users can earn 75,000 bonus points by spending $3,000 in the first 3 months.
- Travel Benefits: There is no foreign transaction fees and lost luggage reimbursement facility.
Did you looked at the Rewards version of the Best Barclays Credit Cards? They provide amazing bonuses and benefits. Let’s talk about them!
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card is a great card where users can earn three points per dollar on Southwest purchases, two points on local transit, rideshares, and internet/cable/phone services.
They can also enjoy a 75,000 bonus after spending $3,000 in the first 3 months and 7,500 bonus points annually. With a $149 fee, get perks like a $75 annual travel credit, 25% cash-back on in-flight treats, and up to four upgraded boardings yearly.
The features of the Southwest Rapid Rewards® Priority credit card are listed below:-
- Rewards: Users can earn 3 pts/dollar on Southwest, 2 pts on transit, rideshares, internet, cable, phone, and streaming.
- Travel: There is a $75 annual statement credit for Southwest, 4 upgraded boardings, and no foreign transaction fees.
How To Choose The Best Chase Credit Card?
Before choosing the best Chase Credit Card it is important to consider your preferences. For cash back, the top choice is the Chase Freedom Flex, which offers dynamic rewards and bonus categories every quarter. Users can enjoy flexibility with cash-back redemption options such as statement credits, gift cards, merchandise, or travel through Chase.
Frequent travelers will appreciate Chase’s travel credit cards, earn valuable Ultimate Rewards points, and redeem them for travel through Chase or transfer them to affiliated airline and hotel partners. Users can enjoy travel insurance perks like auto rental coverage and trip cancellation insurance.
For students building credit, the Chase Freedom Rise is a no-annual-fee option where users can earn cash back and potentially increase their credit limit with responsible payment habits.
For Business owners, users can explore Chase’s business credit cards. The Ink Business Cash is ideal for cash back, which can be used for statement credits or gift cards. Alternatively, the Ink Business Preferred Credit Card earns Ultimate Rewards points with a 25% boost for travel bookings through Chase or transfers to airline and hotel partners. In short, find the card that suits your spending and rewards preferences.
How One Can Apply For a Chase Credit Card?
The steps to apply for a Chase Credit Card are listed below:-
Visit Chase Website: Go to the Chase official website.
Choose Your Card: Explore the credit card options and pick the one that fits your needs.
Click “Apply”: On the selected card’s page, find and click the “Apply” option.
Chase Account (Optional): If you have a Chase account, sign in before applying to speed up the process.
Complete Application Process: Fill in your personal and financial details in the online application form.
Submit Application: Click the submit button. Online submissions are typically the fastest way to apply.
Check Application Status: Monitor your application status online or contact Chase directly to inquire.
In a nutshell, Chase Credit Card offers various credit cards, including travel, student, business, and options for lower credit scores. To find your best fit, consider your preferences, build a good credit score, think about the rewards you want, and consider cards within your eligibility.
Nicole Hughes is a credit card and loan expert content writer based in New York. With a knack for simplifying financial jargon, she creates informative and reader-friendly content. Her work empowers individuals to make informed decisions regarding credit and loans, ensuring financial well-being.
You have two options. Either check online or contact Chase directly. or head to the Chase Credit Card Application Status page for details.
Users can expect their card to arrive in 10 to 14 days post-approval. The exact time may vary depending on the type of card you applied for.
The 5/24 rule is like an unwritten rule at Chase that says they won’t give you their credit cards if you’ve opened five or more personal credit card accounts from any company in the last two years.
Having at least one credit card is smart for earning rewards and making life more convenient. However, it’s crucial to manage your money well and make payments on time. If you’re interested in different types of rewards or need more credit, having more than one card might be a good choice.