Earn 5X points on Chase Travel? purchases, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases.
Chase has made a name for itself in the credit card arena, offering a diverse range of options for various lifestyles. Whether you’re a travel aficionado seeking a lucrative travel rewards card or a savvy spender looking to maximize cash back, Chase credit cards present a myriad of opportunities.
Let’s explore the best options, benefits of Chase credit cards, the types available, and how to choose the right one.
Earn 5X points on Chase Travel? purchases, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases.
Enjoy 6.5% cash back on travel purchased through Chase Travel?, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel?, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% cash back on all other purchases.
Earn 10X points on hotels and car rentals booked through Chase Travel? immediately after the first $300 is spent on travel purchases annually, 10X points on Chase Dining purchases, 5X points on flights booked through Chase Travel, 3X points on non-Chase travel and dining, and 1X points on all non-bonus spending.
Earn 3 points per $1 on the first $150,000 spent in combined purchases in select categories each anniversary year, and earn 1 point per $1 on all other purchases.
Earn unlimited 1.5% cash back on all purchases made for your business.
Choosing a Chase credit card isn’t just about earning rewards; it’s about accessing a range of valuable benefits. With options that include cash back, travel rewards, and more, Chase caters to a wide audience.
Here are some noteworthy benefits of banking with Chase:
One of Chase’s standout features is its rewards program, Chase Ultimate Rewards?. This program is particularly appealing to those looking to maximize their spending, with generous travel rewards and benefits for everyday expenses.
Cardholders can redeem points for:
If you get a Chase Sapphire Preferred? Card, Chase Sapphire Reserve?, or Ink Business Preferred? card, your points are worth more. While Ultimate Rewards? points are typically worth 1 cent each, these cards bump that rate up for travel through Chase.
The Sapphire Preferred and Ink Preferred offer a redemption rate of 1.25 cents per point through Chase Travel?, while the Sapphire Reserve has a 1.5 cent per point rate.
One of the most beneficial parts of Chase Ultimate Rewards? is the ability to pool your points to maximize value. You can carry multiple cards, earn rewards based on each of their bonus categories, and then move those points to the account with the highest redemption value. The most effective way to do this is via the Chase Trifecta.
Chase also offers generous welcome bonuses for new cardholders who meet set spending requirements in the first few months. But even if a card has an exceptional intro offer, it’s important to consider whether the card and its annual fee are worth the benefits you’ll actually use in the long term.
Many Chase cards come with travel and purchase protection, providing invaluable peace of mind just for being a card member.
Here’s what you can expect:
Travel insurance provides coverage for trip cancellations, interruptions, and/or baggage issues, protecting you from unforeseen events.
The best travel insurance protection comes from the Chase Sapphire Preferred? Card and Chase Sapphire Reserve?.
Keep in mind, there are various requirements to meet for these coverages to apply, but these cards offer the following coverage:
?? Learn more about coverage amounts and stipulations in our guide to Chase Sapphire Travel Insurance.
Purchase protection safeguards your buys against theft or damage for a set number of days up to a certain amount. Return protection reimburses you for items that stores won’t take back within a set number of days up to a certain amount.
Some cards provide extended warranty protection, adding extra time (often one year) to the manufacturer’s warranty on eligible purchases.
Chase offers a variety of credit cards designed to meet different spending profiles and needs:
For the jet-setters, Chase offers both general and co-branded travel cards. General travel cards provide points on all travel-related expenses, while co-branded cards, like those with United Airlines, offer brand-specific benefits that can accelerate rewards and elite status.
Imagine earning money—by spending money on everyday purchases. Every time you swipe your Chase card, you can earn points from daily spending and other purchases, and your Chase card may allow you to earn more points in qualifying rotating bonus categories. You can even use your cash-back rewards as a statement credit on your monthly balance.
For those who want to save a few bucks, Chase also offers several 0% intro APR cards to help give you an extra window to pay off a large purchase or balance transfer. Additionally, Chase has several no-annual-fee cards, which provide rewards without the hassle of yearly costs.
Small business owners can pad their finances with a credit card to earn rewards and perks on business purchases they make monthly, including advertising, shipping, office supplies, lab equipment, and more. Anyone with a side hustle, even dog walking, can apply for a business card through Chase.
College is the perfect time to build your credit with student credit cards. The good news is that the application process is generally less strict, with fewer requirements.
If you’re in the market for a new credit card, the odds are high that there is at least one Chase option on your list. Knowing which is best will all depend on your needs, credit score, and spending habits.
Consider the following when choosing a new credit card:
The most important factor to consider right off the bat is what you’re looking to get out of your new card. Are you looking for a business, balance transfer, cash-back, travel card, etc.? You can get the “shiniest” card out there, but if it doesn’t meet your goals or match your lifestyle, it’s not for you.
Some Chase credit cards offer rewards in different categories, while others offer no rewards at all. If you’re in the market for a rewards credit card, choose one with categories that align with your spending habits and lifestyle. Also think about whether you’re willing to utilize the Chase Ultimate Rewards program.
Premium options often have high annual fees in exchange for valuable benefits. Although this may be worthwhile for some consumers, others may not utilize the card’s benefits enough to justify the fee. Evaluate whether the added benefit of a high-end card is worth the extra cost, compared to a lower-fee alternative.
Most Chase credit cards offer generous sign-up bonuses, worth hundreds to thousands. While these are a way to rack up a chunk of change quickly, make sure you can realistically meet the spending requirement to earn this bonus before applying.
Chase cards often come loaded with valuable perks, such as travel credits and partner benefits. See which benefits would be the most useful to you. These perks can help offset high annual fees and provide additional long-term value.
It’s a relatively simple process to apply for a Chase card online. Before beginning, consider checking your credit score to know which cards you’re eligible for.
Most credit card applications require the following personal and financial elements, so it may be best to prepare them ahead of time:
Once you’ve decided on which card to apply for, select the “Learn More” button at the top of this page, next to the card you choose, which will lead you to a page with more information and a button to “Apply Now.”
Applying for a Chase card is straightforward, but be mindful of the Chase 5/24 rule. This guideline states that if you’ve opened five new credit cards in the past 24 months, your application for a Chase card will likely be denied. This helps Chase ensure that applicants are genuinely interested in long-term benefits.
The Chase Sapphire Reserve? Card is one of the most popular premium credit cards since it came on the market five years ago. The $550 annual fee may be considered high by some, but it depends on how much you are willing to spend to reap the rewards. While the pandemic may have stifled frequent travel, keep in mind that Chase has announced additional bonus categories to make the card much more attractive to cardholders.
The Chase Sapphire Reserve card is worth it if you travel frequently and want to explore its zero foreign transaction fees, $300 annual travel credit, and access to airline lounges.
It’s also worth it if you like to spend on dining and travel, especially if you use Grubhub and DoorDash. Additionally, the card offers purchase protection and travel insurance to save money when you need it most. However, don’t get this card if you do not travel often enough to justify the high annual fee.
If you ever need to cancel your Chase credit card, the process is fairly straightforward.
The steps to cancel a credit card:
While Chase remains one of the country’s largest credit card lenders, they do not offer secured credit cards for those with bad to no credit history.
In fact, almost all Chase cards require a good to excellent credit score, except for the Chase Freedom Student card.
Both cards have many benefits. The Chase Sapphire Reserve gives you more bonus points on everyday categories, while [The Platinum Card? from American Express](https://www.cardratings.com/details/credit-card/platinum-card-from-american-express?src=694008{:rel=’nofollow’ target=’_blank’} gives you more points on flights.
The best card for you depends on your shopping and travel habits. Read more in our Amex Platinum vs. Chase Sapphire Reserve review.
There isn’t a set limit on how many Chase cards any one person can have, only on how many you can be approved for in a certain amount of time. Chase denies applicants who have already been approved for five credit cards from any issuer within a 24-month period.
Most Chase credit cards are Visas, but a select few are Mastercards, like the Chase Freedom Flex? Credit Card, the Instacart Mastercard? and DoorDash Rewards Mastercard?.
* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.