Chase bank cards have at all times held a particular place in my coronary heart — and my pockets. My very first bank card, the United℠ Explorer Card (see charges and costs), was a Chase product, and it launched me to the world of factors and miles.
I am going to always remember the way it felt to redeem miles I might earned with the cardboard for the primary time or the journey I took: a last-minute journey with associates to Moab, Utah, that on the time I by no means would have been in a position to afford in any other case. It opened up my eyes to what was doable with bank cards, and from that second on, I used to be hooked.
Since taking that card out 12 years in the past, my assortment has expanded to incorporate 11 Chase playing cards, every taking part in a singular function in my pockets.
If I have been to start out over again, I might in all probability select a completely different card for my first, however I can confidently say that anchoring my factors and miles technique with Chase bank cards has been a call that is helped me see extra of the world over the past decade than I ever may have dreamed.
Whether or not your purpose is to earn factors and miles for journey, gather money again or entry perks that may improve your journey expertise, Chase has a card to fulfill your wants. Listed below are our prime picks.
The very best Chase bank cards
Evaluating one of the best Chase bank cards
These are TPG’s prime suggestions for one of the best Chase bank cards.
| Card | Greatest for | Welcome bonus | Incomes price | Annual charge |
|---|---|---|---|---|
| Chase Sapphire Most popular Card | Newer factors fanatics | Earn 100,000 factors after you spend $5,000 on purchases inside the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn $250 money again after you spend $500 on purchases inside the first three months of account opening. |
|
$0 |
| Ink Enterprise Limitless Credit score Card | No annual charge on a enterprise card | Earn $750 after you spend $6,000 on purchases inside the first three months of account opening. |
|
$0 |
| Ink Enterprise Most popular Credit score Card | Enterprise vacationers | Earn 90,000 factors after you spend $8,000 on purchases inside the first three months of account opening. |
|
$95 |
| Chase Sapphire Reserve | Eating and journey insurance coverage | Earn 60,000 factors after you spend $5,000 on purchases inside the first three months of account opening. |
|
$550 |
| Southwest Speedy Rewards Precedence Credit score Card | Frequent Southwest Airways flyers | Earn 50,000 factors after you spend $1,000 on purchases inside the first three months of account opening. |
|
$149 |
| Ink Enterprise Money Credit score Card | Workplace provides and know-how companies | Earn as much as $750 money again: $350 money again after you spend $3,000 on purchases inside the first three months of account opening and a further $400 while you spend $6,000 on purchases inside the first six months after account opening. |
|
$0 |
| Chase Freedom Flex | Rotating bonus classes | Earn $200 money again after you spend $500 on purchases inside the first three months of account opening. |
|
$0 |
| Southwest Speedy Rewards Plus Credit score Card | Southwest loyalists who need a low annual charge | Earn 50,000 factors after you spend $1,000 on purchases inside the first three months of account opening. |
|
$69 |
| Prime Visa | Amazon buyers | Get a $100 Amazon reward card immediately upon approval (solely for Prime members). |
|
$0, although this card requires a Prime membership |
Chase Sapphire Most popular Card
Welcome provide: Earn 100,000 factors after you spend $5,000 on purchases inside the first three months of account opening.
Annual charge: $95.
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Standout advantages: The Chase Sapphire Most popular has lengthy been some of the in style journey bank cards on the market — and for good motive. Between its incomes charges and perks, it is a point-earning workhorse. Plus, it is presently sporting a 100,000-point welcome bonus that is extremely profitable since Chase Final Rewards factors will be transferred to a spread of resort and airline companions.
I really like transferring factors earned with my Chase Sapphire Most popular to Hyatt to e book luxe resort stays. A few of my favourite latest redemptions have been 4 nights at Alila Ventana Huge Sur in California, which was a part of my honeymoon, and a protracted weekend keep at Andaz Maui at Wailea Resort in Hawaii.
However past the bonus, the cardboard’s incomes charges have cemented its everlasting place in my pockets. It earns 3 factors per greenback spent on eating, which is a serious class for me because it covers every thing from the high quality eating eating places I really like attempting out when touring to the meals vans I frequent in my residence metropolis of Portland, Oregon, to the espresso store I go to day by day with my canine.
Associated: I’ve the Chase Sapphire Most popular — which card ought to I get subsequent?
It additionally earns 3 factors per greenback spent on on-line groceries, which is my most well-liked methodology of buying cumbersome objects like canned beans and child components. (excluding Goal, Walmart, and wholesale golf equipment)
This card additionally contains at the least one 12 months of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and though I do not order supply often, it is easy to get worth from the membership, which cuts down on the charges related to every order.
For extra particulars, see our full assessment of the Chase Sapphire Most popular Card.
Apply right here: Chase Sapphire Most popular Card
Chase Freedom Limitless
Welcome provide: Earn $250 money again after you spend $500 on purchases inside the first three months of account opening.
Annual charge: $0.
Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.
It earns at the least 1.5% money again — or 1.5 factors per greenback while you pair this card with an Final Rewards-earning product (extra on that under) — on all purchases, together with those who fall exterior certainly one of its bonus classes. This implies it is an incredible selection for individuals who need to earn a strong cash-back price with out monitoring their spending throughout numerous classes.
That is a pleasant proposition, but it surely’s not the rationale I’ve spent years shouting about this card from the rooftops. Whereas the Freedom Limitless is marketed as a cash-back card, which means it does not provide the power to switch factors to Chase’s airline and resort companions, that every one adjustments should you additionally maintain a card that earns Chase Final Rewards factors.
Those that have the Chase Sapphire Most popular, the Chase Sapphire Reserve or the Ink Enterprise Most popular can mix the rewards from the Freedom Limitless with these of their different accounts, immediately making them transferable — and rather more precious.
Utilizing this technique, I successfully earn 1.5 Final Rewards factors per greenback spent with the Chase Freedom Limitless in classes the place I might earn simply 1 level per greenback with a unique card. That is a 50% improve in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual charge.
Since there is no annual charge required to carry the Freedom Limitless, I like to recommend it to everybody who already has a card that earns Final Rewards factors to allow them to construct up their factors stash.
You can too get Chase playing cards within the reverse order. Up to now, I’ve beneficial the Freedom Limitless as a stepping-stone product to family and friends members who might not but have the credit score rating or historical past wanted to safe a Sapphire card.
For extra particulars, see our full assessment of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $750 after you spend $6,000 on purchases inside the first three months of account opening.
Annual charge: $0.
Standout advantages: Consider this card because the enterprise model of the Chase Freedom Limitless. It earns 1.5% money again throughout all purchases, making it a easy and user-friendly choice for enterprise homeowners of all stripes.
Like its client counterpart, it is best leveraged as a part of a duo with an Final Rewards-earning card, as that may unlock the power to transform the money again it earns into transferable factors. I really like transferring my factors to applications like British Airways, which has a distance-based award chart that permits me to e book economic system Alaska Airways flights up and down the West Coast at very affordable charges.
I used to be thrilled to see Chase add a product like this one to its enterprise lineup. Whereas many enterprise bank cards provide bonuses in classes like journey, delivery and promoting, there are such a lot of enterprise bills that do not fall underneath these umbrellas.
Up to now, I’ve used this card for bills associated to constructing and sustaining a web site and e-mail checklist, in addition to for software program platforms like Zoom.
For extra particulars, see our full assessment of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless Credit score Card
Ink Enterprise Most popular Credit score Card
Welcome provide: Earn 90,000 factors after you spend $8,000 on purchases inside the first three months of account opening.
Annual charge: $95.
Standout advantages: The Ink Enterprise Most popular is a heavy hitter within the enterprise card class due to nice incomes charges, a hefty welcome bonus and an affordable annual charge.
It earns 3 factors per greenback spent on the primary $150,000 spent in mixed purchases annually on a spread of enterprise classes, lots of that are broadly helpful.
For instance, I really like utilizing the cardboard to earn 3 factors per greenback spent on journey, a class that features every thing from airfare and accommodations to taxis and parking tons. Even when your online business does not particularly relate to journey, making the most of this incomes price on purchases which can be travel-adjacent can assist you maximize your spending.
The Ink Enterprise Most popular can be my go-to card for incomes bonus factors on web, cable and cellphone companies, which might apply to nearly each enterprise.
I initially took out this card to assist a contract writing enterprise, for which web entry was important. Later, as I moved into journey consulting, I jumped on the chance to earn additional factors on promoting purchases with social media websites, netting 3 factors per greenback spent to spice up posts on Instagram.
The Ink Enterprise Most popular sports activities a hefty welcome bonus of 90,000 factors, and whereas the spending requirement is excessive at $8,000 over three months, if your online business can assist that stage of spend, it is a suggestion you do not need to miss.
Within the final couple of years, I’ve transferred fewer than 90,000 factors to Chase companions like Air Canada and United Airways to e book business-class flights to Japan and Tahiti, respectively.
For extra particulars, see our full assessment of the Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular Credit score Card
Chase Sapphire Reserve
Welcome provide: Earn 60,000 factors after you spend $5,000 on purchases inside the first three months of account opening.
Annual charge: $550.
Standout advantages: When the Sapphire Reserve first launched in 2016, I jumped on the probability to get it. I used to be instantly attracted by options just like the $300 journey credit score, which I at all times discovered extraordinarily straightforward to make use of, and the beneficiant incomes price of three factors per greenback spent on journey and eating, two of my largest spending classes.
Whereas I in the end determined the Sapphire Most popular was a greater match for my particular wants, I did maintain the Reserve for a few years and located so much to like about it.
Particularly, I beloved the power to get 50% extra worth when redeeming factors for journey by way of Chase Journey. When you’ll typically get higher worth when transferring your factors to resort or airline companions, I discovered many circumstances the place the elevated portal redemption price saved me factors over doing a switch.
Reserving this fashion additionally allowed me to earn factors on the flights I took, serving to me earn elite standing on each United Airways and American Airways for a number of years.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which $550-plus card is best for you?
Better of all, utilizing Chase Journey helped me get respectable worth on flights and accommodations when good switch choices weren’t accessible. For instance, I leaned closely on the portal when reserving flights and accommodations in Ushuaia, Argentina, earlier than setting sail on a cruise to Antarctica.
I additionally beloved utilizing the Sapphire Reserve for major rental automotive insurance coverage whereas touring. For those who decline the rental firm’s collision insurance coverage, Chase offers reimbursement of as much as $75,000 for theft and collision injury for many rental autos within the U.S. and overseas.
This profit gave me peace of thoughts whereas on street journeys in locations like Eire and Scotland, the place I needed to drive on the left facet of the street, and the Azores, the place we drove over some rocky terrain.
For extra particulars, see our full assessment of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Southwest Speedy Rewards Precedence Credit score Card
Welcome provide: Earn 50,000 factors after you spend $1,000 on purchases inside the first three months of account opening.
Annual charge: $149.
Standout advantages: Southwest is a switch associate of Chase Final Rewards, which means you do not particularly want a Southwest card to earn factors that can be utilized for flights on the airline; lots of the playing cards on this checklist will do the trick. However there’s one thing to be mentioned concerning the different advantages of the Southwest Speedy Rewards Precedence Credit score Card and their affect in your flying expertise.
The cardboard has some key options that may make your journey day rather more stress-free. For starters, 25% again on inflight purchases can assist you entry discounted Wi-Fi to handle any last-minute journey particulars or get pleasure from a reduced glass of wine. In the meantime, 4 upgraded boardings per 12 months can assist you beat the boarding chaos and provide you with additional time to get settled.
Plus, the cardboard comes with extra options that assist offset the annual charge — after which some. It comes with a $75 annual Southwest journey credit score and seven,500 factors annually in your cardmember anniversary, each of which is able to get you nearer to your subsequent journey.
For me, that is typically a visit to see a live performance or sporting occasion in Las Vegas or to discover nationwide parks in Arizona, Colorado and past.
The Southwest Speedy Rewards Precedence card additionally comes with a ten,000-point qualifying increase annually for Southwest’s coveted Companion Move, which lets you designate a journey companion to fly in your itineraries for simply the worth of taxes and costs, whether or not you e book with money or factors.
For extra particulars, see our full assessment of the Southwest Speedy Rewards Precedence card.
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Ink Enterprise Money Credit score Card
Welcome provide: Earn as much as $750 money again: $350 money again after you spend $3,000 on purchases inside the first three months of account opening and a further $400 while you spend $6,000 on purchases inside the first six months after account opening.
Annual charge: $0.
Standout advantages: For those who’re a enterprise proprietor who prioritizes incomes money again — or desires the choice to transform money again into transferable journey factors by pairing an Final Rewards-earning card with a product just like the Ink Enterprise Money card — you are in the fitting place.
My favourite characteristic of this card is that it earns 5% money again (or 5 factors per greenback spent should you mix it with a card just like the Sapphire Most popular or the Sapphire Reserve) on the primary $25,000 spent in mixed purchases every anniversary 12 months at workplace provide shops and on web, cable and cellphone companies.
It is simple to see how web and cellphone companies are helpful for many enterprise homeowners. My computer-based freelance writing and journey consulting facet hustles have at all times relied on the web. However even my husband, who walks canine exterior his nine-to-five, makes use of his cellphone and the web for shopper communication and administrative work, akin to submitting taxes.
However the methods to capitalize on the workplace provide retailer bonus could also be much less apparent. Even should you do not usually use conventional workplace provides in your line of labor, as is the case for each me and my husband, yow will discover quite a lot of worth right here should you search for it.
Staples, as an illustration, sells every thing from workplace furnishings to passport companies to Apple AirPods, and I’ve even bought meals there throughout the workday greater than as soon as. Its web site even has a bit you possibly can scope out titled “Sure, Staples has that” should you’re not satisfied of this bonus class’s broad utility.
For extra particulars, see our full assessment of the Ink Enterprise Money card.
Apply right here: Ink Enterprise Money Credit score Card
Chase Freedom Flex
Welcome provide: Earn $200 money again after you spend $500 on purchases inside the first three months of account opening.
Annual charge: $0.
Standout advantages: If there’s an unsung hero in my pockets, it is the Chase Freedom Flex. Whereas maximizing its incomes potential does take some cautious planning, to me, it is 100% value it for the payoff.
The Freedom Flex provides the chance to earn 5% money again on as much as $1,500 in mixed spending purchases in rotating quarterly bonus classes (after activation).
Meaning you should utilize it to earn 7,500 bonus factors per quarter or 30,000 factors per 12 months, which is fairly nice for a card with out an annual charge. That is very true since, like with the Chase Freedom Limitless, the factors you earn with the Chase Freedom Flex will be transformed to transferable journey factors should you additionally maintain an Final Rewards-earning card.
Whereas the bonus class for every quarter is not revealed very far prematurely, I’ve usually discovered the classes extremely profitable.
For instance, since changing into a cardholder, I’ve seen eating places and grocery shops featured a number of instances, each of that are massive spending classes for me. Chase has additionally used PayPal as a bonus class a number of instances, and since so many on-line companies settle for it, your choices for incomes are almost limitless.
Not too long ago, a bonus on purchases at pet retailers and veterinary companies helped me earn so many factors throughout an emergency with my canine that I used to be in a position to e book a free resort room in London.
For extra particulars, see our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Southwest Speedy Rewards Plus Credit score Card
Welcome provide: Earn 50,000 factors after you spend $1,000 on purchases inside the first three months of account opening.
Annual charge: $69.
Standout advantages: Whereas we love the Southwest Speedy Rewards Precedence Credit score Card, there’s one other cheaper choice that additionally offers nice worth: the Southwest Speedy Rewards Plus Credit score Card.
An annual charge of simply $69 will get you entry to lots of the identical advantages, together with the 25% low cost on inflight purchases, the ten,000-point qualifying increase annually for the Companion Move and an incomes price of two factors per greenback spent on classes like native transit and commuting, Speedy Rewards accommodations and automotive rental associate purchases, and choose streaming companies.
Each playing cards even have one other characteristic in frequent that may quickly change into vital when Southwest ends its longtime bags-fly-free coverage: They will every let you examine your first bag freed from value.
As a brand new mother who totes round quite a lot of child provides, this profit is extraordinarily enticing to me. With such a low annual charge, the cardboard would seemingly make sense for me primarily based on the bag perk alone.
For extra particulars, see our full assessment of the Southwest Speedy Rewards Plus card.
Apply right here: Southwest Speedy Rewards Plus Credit score Card
Prime Visa
Welcome provide: Get a $100 Amazon reward card immediately upon approval (solely for Prime members).
Annual charge: $0, although this card requires a Prime membership.
Standout advantages: A favourite amongst Amazon fanatics, the Prime Visa is ideal for these with Amazon Prime accounts who spend often at Amazon and Entire Meals and need to earn money again moderately than journey rewards (although the Prime Visa does allow you to earn an elevated reward price on Chase Journey purchases since it is a Chase product).
It nets a profitable 3% money again at amazon.com and on purchases from Amazon Contemporary and Entire Meals Market, which covers just about something you might presumably want, together with meals, family provides, clothes and items. However the incomes price will get much more spectacular if in case you have an eligible Prime membership, leaping to five%.
As a brand new mother or father, it appears like I flip to Amazon almost every single day for one factor or one other. Whether or not it is provides like diapers, wipes or components that I did not understand have been working low or a last-minute outfit for a themed day at day care, I am on the location greater than I care to confess.
I can simply see how this card could be important in a family that values cash-back rewards over different reward currencies.
For extra particulars, see our full assessment of the Prime Visa.
Apply right here: Prime Visa
What to think about when selecting a Chase bank card
Whereas all these playing cards can present immense worth when used to their full potential, it is vital to think about just a few particular components earlier than making your choice. Pondering by way of them will make sure you’re choosing a card that most closely fits your way of life, finances, preferences and journey targets.
Whereas figuring out one of the best card for you would possibly really feel overwhelming, do not forget that your choice will not be set in stone; you possibly can at all times product change a card after holding it for a 12 months with out affecting your credit score rating.
Associated: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless
I did this just a few years again, downgrading my Chase Sapphire Reserve to the Chase Freedom Flex because the Freedom Flex was higher fitted to my spending wants on the time.
Finally, I settled on the Chase Sapphire Most popular as my major Final Rewards-earning card, and I’ve held it ever since.
Most popular rewards
Fascinated with what sort of rewards you’d prefer to earn is a good start line for selecting a bank card. Do you need to hold it easy with money again? Or, are you desirous to dive into the world of transferable journey factors?
Welcome bonus
Welcome bonuses are vital on the earth of bank cards, as they symbolize your finest probability to earn a big sum of factors directly. Additionally they fluctuate all year long: The Chase Sapphire Most popular, for instance, is presently providing its highest-ever bonus however just for a restricted time.
Spending habits
To get the absolute best return in your spending, you will need to contemplate the place you spend most of your cash and select a card with a bonus on these classes.
For me, journey, eating and on-line grocery buying are all main ones, which is why the Chase Sapphire Most popular and the Ink Enterprise Most popular proceed to carry locations in my pockets 12 months after 12 months.
Annual charge
After all, you will additionally need to assume by way of your finances and what, if something, you are prepared to spend on bank card annual charges.
Chase provides a spread of choices, from $0 all the way in which as much as $550, so there’s one thing for everybody. Whereas getting greater than your cash’s value with any of those playing cards is actually doable, a premium providing solely is sensible should you can maximize the cardboard’s advantages.
How we selected one of the best Chase bank cards
We selected one of the best Chase bank cards primarily based on a number of components, together with welcome provides, perks and advantages, and reward incomes charges — notably in in style spending classes.
To study extra about how TPG evaluates and chooses playing cards to characteristic in our roundups, try our methodology.
Redemption choices for Chase bank cards
Your redemption choices will rely on which card you go for. With the Southwest cobranded playing cards, it is vital to notice that you will solely earn Speedy Rewards factors, whereas the Chase Sapphire Most popular, the Chase Sapphire Reserve and the Ink Enterprise Most popular earn Final Rewards factors that may be transferred to a spread of airline and resort companions — Southwest included.
The Prime Visa, the Ink Enterprise Most popular, the Ink Enterprise Money, the Chase Freedom Limitless and the Chase Freedom Flex all earn money again should you desire to earn money as a substitute of journey rewards. Nonetheless, the latter 4 playing cards have the pliability to transform these rewards to transferrable journey forex should you even have a card that earns Final Rewards factors.
I personally select to earn journey rewards over money again since I journey often and really feel assured that I can get extra worth out of Final Rewards factors than money again.
Backside line
Irrespective of the place you might be together with your bank card technique, Chase has a card that may fit your wants. Bank card novices have wonderful choices within the Chase Sapphire Most popular, the Chase Freedom Limitless and the Chase Freedom Flex.
Frequent vacationers trying to find a premium card expertise can leverage the Chase Sapphire Reserve, whereas enterprise homeowners have a strong lineup to select from: the Ink Enterprise Most popular, the Ink Enterprise Limitless or the Ink Enterprise Money.
Whichever card you choose, relaxation assured which you could’t go flawed. With helpful perks and protections, nice incomes charges and wholesome welcome bonuses, Chase playing cards are among the many most respected you possibly can have in your pockets.
Associated: Causes the Chase Sapphire Most popular ought to be your subsequent bank card