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 mates to Moab, Utah, that on the time I by no means would have been capable of 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 once more, I might most likely select a distinct card for my first, however I can confidently say that anchoring my factors and miles technique with Chase bank cards has been a choice 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 satisfy your wants. Listed here are our prime picks.
The most effective Chase bank cards
Evaluating the most effective Chase bank cards
These are TPG’s prime suggestions for the most effective Chase bank cards.
| Card | Greatest for | Welcome bonus | Incomes charge | Annual price |
|---|---|---|---|---|
| Chase Sapphire Most popular Card | Newer factors fans | Earn 100,000 factors after you spend $5,000 on purchases throughout the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn $250 money again after you spend $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Ink Enterprise Limitless Credit score Card | No annual price on a enterprise card | Earn $750 after you spend $6,000 on purchases throughout 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 throughout 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 throughout 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 throughout the first three months of account opening. |
|
$149 |
| Ink Enterprise Money Credit score Card | Workplace provides and expertise companies | Earn as much as $750 money again: $350 money again after you spend $3,000 on purchases throughout the first three months of account opening and a further $400 whenever you spend $6,000 on purchases throughout the first six months after account opening. |
|
$0 |
| Chase Freedom Flex | Rotating bonus classes | Earn $200 money again after you spend $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Southwest Speedy Rewards Plus Credit score Card | Southwest loyalists who need a low annual price | Earn 50,000 factors after you spend $1,000 on purchases throughout 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 throughout the first three months of account opening.
Annual price: $95.
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Standout advantages: The Chase Sapphire Most popular has lengthy been one of the crucial well-liked 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 might be transferred to a spread of lodge and airline companions.
I really like transferring factors earned with my Chase Sapphire Most popular to Hyatt to ebook luxe lodge stays. A few of my favourite current redemptions have been 4 nights at Alila Ventana Large Sur in California, which was a part of my honeymoon, and an extended 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 significant class for me because it covers all the things from the positive eating eating places I really like making an attempt out when touring to the meals vehicles I frequent in my house 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 popular technique of buying cumbersome objects like canned beans and child method, (excludes Walmart, Goal and wholesale golf equipment).
This card additionally contains not less than one 12 months of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and although I do not order supply often, it is simple to get worth from the membership, which cuts down on the charges related to every order.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $0.
Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.
It earns not less than 1.5% money again — or 1.5 factors per greenback whenever you pair this card with an Final Rewards-earning product (extra on that under) — on all purchases, together with those who fall exterior one in every of its bonus classes. This implies it is an awesome alternative for individuals who wish to earn a stable cash-back charge with out monitoring their spending throughout varied classes.
That is a pleasant proposition, nevertheless it’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, that means it would not provide the power to switch factors to Chase’s airline and lodge companions, that each one modifications if you happen to additionally maintain a card that earns Chase Final Rewards factors.
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 distinct card. That is a 50% improve in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual price.
Since there is not any annual price 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.
It’s also possible to get Chase playing cards within the reverse order. Prior to now, I’ve really useful the Freedom Limitless as a stepping-stone product to family and friends members who could not but have the credit score rating or historical past wanted to safe a Sapphire card.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $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 shopper 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 ebook economic system Alaska Airways flights up and down the West Coast at very cheap 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, transport and promoting, there are such a lot of enterprise bills that do not fall underneath these umbrellas.
Prior to now, I’ve used this card for bills associated to constructing and sustaining a web site and e-mail record, in addition to for software program platforms like Zoom.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $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 inexpensive annual price.
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 extensively helpful.
For instance, I really like utilizing the cardboard to earn 3 factors per greenback spent on journey, a class that features all the things from airfare and resorts to taxis and parking tons. Even when your enterprise would not particularly relate to journey, benefiting from this incomes charge on purchases which can be travel-adjacent can assist you maximize your spending.
The Ink Enterprise Most popular can also be my go-to card for incomes bonus factors on web, cable and telephone companies, which might apply to virtually 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 enterprise can assist that stage of spend, it is a suggestion you do not wish 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 ebook business-class flights to Japan and Tahiti, respectively.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $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 simple to make use of, and the beneficiant incomes charge 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.
Specifically, I beloved the power to get 50% extra worth when redeeming factors for journey by means of Chase Journey. Whilst you’ll typically get higher worth when transferring your factors to lodge or airline companions, I discovered many circumstances the place the elevated portal redemption charge saved me factors over doing a switch.
Reserving this manner 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 resorts when good switch choices weren’t out there. For instance, I leaned closely on the portal when reserving flights and resorts in Ushuaia, Argentina, earlier than setting sail on a cruise to Antarctica.
I additionally beloved utilizing the Sapphire Reserve for main rental automotive insurance coverage whereas touring. When you decline the rental firm’s collision insurance coverage, Chase supplies 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 highway journeys in locations like Eire and Scotland, the place I needed to drive on the left aspect of the highway, and the Azores, the place we drove over some rocky terrain.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $149.
Standout advantages: Southwest is a switch accomplice of Chase Final Rewards, that 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 record 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 impression in your flying expertise.
The cardboard has some key options that may make your journey day far more enjoyable. For starters, 25% again on inflight purchases can assist you entry discounted Wi-Fi to care for any last-minute journey particulars or take pleasure in a reduced glass of wine. In the meantime, 4 upgraded boardings per 12 months can assist you beat the boarding chaos and offer you additional time to get settled.
Plus, the cardboard comes with further options that assist offset the annual price — 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 Cross, which lets you designate a journey companion to fly in your itineraries for simply the value of taxes and costs, whether or not you ebook with money or factors.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening and a further $400 whenever you spend $6,000 on purchases throughout the first six months after account opening.
Annual price: $0.
Standout advantages: When you’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 precise place.
My favourite function of this card is that it earns 5% money again (or 5 factors per greenback spent if you happen to 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 telephone companies.
It is simple to see how web and telephone companies are helpful for many enterprise homeowners. My computer-based freelance writing and journey consulting aspect 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 telephone and the web for consumer communication and administrative work, comparable to submitting taxes.
However the methods to capitalize on the workplace provide retailer bonus could also be much less apparent. Even if you happen to 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 loads of worth right here if you happen to search for it.
Staples, for example, sells all the things from workplace furnishings to passport companies to Apple AirPods, and I’ve even bought meals there in the course of the workday greater than as soon as. Its web site even has a piece you’ll be able to scope out titled “Sure, Staples has that” if you happen to’re not satisfied of this bonus class’s broad utility.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $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% price it for the payoff.
The Freedom Flex gives 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 use 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 price. That is very true since, like with the Chase Freedom Limitless, the factors you earn with the Chase Freedom Flex might be transformed to transferable journey factors if you happen to additionally maintain an Final Rewards-earning card.
Whereas the bonus class for every quarter is not revealed very far upfront, I’ve usually discovered the classes extremely profitable.
For instance, since turning into a cardholder, I’ve seen eating places and grocery shops featured a number of occasions, each of that are massive spending classes for me. Chase has additionally used PayPal as a bonus class a number of occasions, and since so many on-line companies settle for it, your choices for incomes are almost limitless.
Lately, a bonus on purchases at pet outlets and veterinary companies helped me earn so many factors throughout an emergency with my canine that I used to be capable of ebook a free lodge room in London.
For extra particulars, see our full evaluate 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 throughout the first three months of account opening.
Annual price: $69.
Standout advantages: Whereas we love the Southwest Speedy Rewards Precedence Credit score Card, there’s one other cheaper choice that additionally supplies nice worth: the Southwest Speedy Rewards Plus Credit score Card.
An annual price 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 Cross and an incomes charge of two factors per greenback spent on classes like native transit and commuting, Speedy Rewards resorts and automotive rental accomplice purchases, and choose streaming companies.
Each playing cards even have one other function in widespread that may quickly grow to be essential when Southwest ends its longtime bags-fly-free coverage: They will every help you verify your first bag freed from value.
As a brand new mother who totes round loads of child provides, this profit is extraordinarily engaging to me. With such a low annual price, the cardboard would possible make sense for me primarily based on the bag perk alone.
For extra particulars, see our full evaluate 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 price: $0, although this card requires a Prime membership.
Standout advantages: A favourite amongst Amazon fans, the Prime Visa is ideal for these with Amazon Prime accounts who spend often at Amazon and Complete Meals and wish to earn money again reasonably than journey rewards (although the Prime Visa does allow you to earn an elevated reward charge 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 Recent and Complete Meals Market, which covers just about something you would probably want, together with meals, family provides, clothes and presents. However the incomes charge will get much more spectacular when you’ve got an eligible Prime membership, leaping to five%.
As a brand new father or mother, it looks like I flip to Amazon almost each day for one factor or one other. Whether or not it is provides like diapers, wipes or method 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 can be important in a family that values cash-back rewards over different reward currencies.
For extra particulars, see our full evaluate of the Prime Visa.
Apply right here: Prime Visa
What to contemplate when selecting a Chase bank card
Whereas all these playing cards can present immense worth when used to their full potential, it is essential to contemplate just a few particular components earlier than making your choice. Pondering by means of them will make sure you’re deciding on a card that most closely fits your life-style, price range, preferences and journey objectives.
Whereas figuring out the most effective card for you may really feel overwhelming, do not forget that your choice just isn’t set in stone; you’ll be able to at all times product change a card after holding it for a 12 months with out affecting your credit score rating.
Associated: The facility 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 for the reason that Freedom Flex was higher fitted to my spending wants on the time.
Finally, I settled on the Chase Sapphire Most popular as my main Final Rewards-earning card, and I’ve held it ever since.
Most popular rewards
Fascinated about what sort of rewards you’d prefer to earn is a good place to begin for selecting a bank card. Do you wish to preserve it easy with money again? Or, are you desperate to dive into the world of transferable journey factors?
Welcome bonus
Welcome bonuses are essential on the planet of bank cards, as they signify your greatest probability to earn a big sum of factors directly. Additionally they range 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 very best return in your spending, you will wish 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 price
In fact, you will additionally wish to suppose by means of your price range and what, if something, you are keen to spend on bank card annual charges.
Chase gives 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 price with any of those playing cards is actually doable, a premium providing solely is smart if you happen to can maximize the cardboard’s advantages.
How we selected the most effective Chase bank cards
We selected the most effective Chase bank cards primarily based on a number of components, together with welcome gives, perks and advantages, and reward incomes charges — notably in well-liked spending classes.
To study extra about how TPG evaluates and chooses playing cards to function in our roundups, try our methodology.
Redemption choices for Chase bank cards
Your redemption choices will depend upon which card you go for. With the Southwest cobranded playing cards, it is essential 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 lodge 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 if you happen to want to earn money as an alternative of journey rewards. Nevertheless, the latter 4 playing cards have the flexibleness to transform these rewards to transferrable journey forex if you happen to 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
Regardless of the place you’re along with your bank card technique, Chase has a card that may fit your wants. Bank card freshmen have wonderful choices within the Chase Sapphire Most popular, the Chase Freedom Limitless and the Chase Freedom Flex.
Frequent vacationers looking for a premium card expertise can leverage the Chase Sapphire Reserve, whereas enterprise homeowners have a stable lineup to select from: the Ink Enterprise Most popular, the Ink Enterprise Limitless or the Ink Enterprise Money.
Whichever card you choose, relaxation assured that you may’t go mistaken. With helpful perks and protections, nice incomes charges and wholesome welcome bonuses, Chase playing cards are among the many most respected you’ll be able to have in your pockets.
Associated: Causes the Chase Sapphire Most popular must be your subsequent bank card
