Best Chase Credit Cards – Our Top Picks for 2019

Chase Freedom Unlimited

Chase Freedom Unlimited card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback & no annual fee"

This is my #1 pick in the flat rate cash back category. This card offers 1.5% cash back on all purchases with no limits and no need to worry about rotating categories. The redemption options are great too. You can redeem your rewards for cash, gift cards, statement credits, merchandise or book travel through the Chase Ultimate Rewards® portal.

As an added bonus for loyal Chase cardholders, this card pairs nicely with some of their other flagship cards. If you already have the Chase Sapphire Preferred or Chase Ink Business Preferred, you can transfer the points you earn with this card to those cards and maximize your rewards value.

Key features:

Welcome Bonus: 3% cash back on every purchase made in year 1, up to $20,000 spent. After, earn unlimited 1.5% cash back on all purchases
Cash Back Rate: 1.5% cash back on all purchases
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months - 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transfer fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Additional features include purchase and price protection. Helping to protect your belongings as well as protect you from overpaying.

Chase Slate

Chase Slate card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

0%

Why We Like It:

"Consolidate your credit card debt"

The Chase Slate Card is one of many credit cards offered by the Chase family of products. It offers numerous benefits to users who are interested in transferring balances over from high-interest rate credit cards, as well as first-time cardholders who are looking for a good deal and you can start forming the foundations for good credit and financial health habits. While other credit cards specialize in things like airline miles or rewards points, the Chase Slate is the ideal credit card for balance transfers.

People who own the Chase Slate card say that the application process is smooth and even with a fair credit rating you may still get approved, however, the amount you're allowed to transfer over may be less. Those with good credit who are looking to pay down a small balance find that Chase Slate works precisely as advertised.

In order to use this card to its fullest and take advantage of all of its benefits, it's worth having the foundations of good financial health to begin with. If you're looking for a reliable card and don't carry much (if any) credit card debt on you, the Chase Slate is one you'll want to have on hand. Plus, adding to this the fact that you can get your FICO score free each month as well as being enrolled in the Blueprint program make the Chase Slate card one of our top picks to help you pay down your debt quickly and effectively.

Chase Freedom

Chase Freedom card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback per quarter ($1,500)"

Cardholders earn 5% cash back in rotating quarterly categories, up to $1,500 in spending per quarter. All other purchases earn a flat 1% cash back. To get the 5% rewards, members must opt in to the bonus categories each quarter. Forgetful? Not to worry, they allow you to opt in as late as the 14th day of the third month of the quarter. You also have access to Chase’s Ultimate Rewards site which allows you to get even more back when you redeem.

Everyone loves bonuses and the Chase Freedom® has a great sign up bonus. Earn $150 after spending $500 on purchases in your first 3 months after opening your account. The card also has an intro APR of 0% on purchases and balance transfers for 15 months and offers a $0 annual fee.

Key features:

Welcome Bonus: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: 5% cash back on quarterly rotating categories (up to $1,500 per quarter). Unlimited 1% on everything else, include any rotating category spending above $1,500
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transaction fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Purchase Protection that covers all purchases made with your Chase Freedom card against theft, damage, and loss for 120 days (up to $500 per claim and $50,000 per account)

Chase Ink Business Cash

Chase Ink Business Cash card art
Recommended Credit:
690
850
Excellent and Good Credit

APR

21.49%

Why We Like It:

"Big cashback for business"

There are clear benefits to using the Chase Ink Business Cash credit card. It’s the cash back card many business owners have been dreaming of, with offers of higher than average cash back rewards in easily spendable categories. It also has the potential for bonuses and intro offers that make it good for one-time capital expenditures or balance transfers in year one.

So what’s the catch? Well, there are some potential drawbacks. The Chase Ink Business Cash may be less useful for businesses that don’t prioritize telecom utilities as a credit expenditure or don’t shop for office supplies with any frequency. It also has a cap on bonus cash back. That means once the spending threshold is met, rewards diminish greatly in value.

For these reasons, some business owners with excellent credit may be enticed by more rewarding credit card offers. However, Chase Ink Business Cash is a well-rounded business credit card for making large purchases, transferring balances or just for everyday spending. If you’re a business owner looking for a credit card that meets your basic needs and offers some rewards, the Ink Business Cash card by Chase is a solid option.

Chase Sapphire Preferred Card Review

Chase Sapphire Preferred card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$95

Why We Like It:

"Double points on travel and dining"

Cross-checking travel rewards cards so you can afford to crisscross the globe? Traveling is an expensive, yet incredibly rewarding experience. But if the wanderlust is strong in you, the Chase Sapphire Preferred card might be the credit card of your dreams. With rewards points earned on travel and dining purchases and a multitude of other rewards, the Chase Sapphire Preferred card earns high marks with frequent travelers.

We outlined all the benefits of having one of these credit cards in your lineup, but let's talk about the reasons cardholders love the Chase Sapphire Preferred card the most:

1. You Get More Points for Your Buck


2. Amazing 24/7 Customer Service and Support


3. You Can Use the Chase Sapphire Preferred Card Pretty Much Everywhere


4. The Chase Sapphire Preferred Card is Legit Metal — Not a Flimsy Piece of Plastic — So It's Actually Cool


5. Points Earned are Good Towards Travel without Any Limitations


6. Team Up with the Chase Freedom Card to Maximize Your Points Earning Potential

Frequent travelers and those who dine out often will earn reward points the fastest with the Chase Sapphire Preferred card. Yet both new credit cardholders and seasoned vets will appreciate the points on travel and dining at restaurants (as well as points on other purchases). Taking advantage of the signup bonus and adding an authorized user to your account could net you even more points. So if you spend a lot on Uber rides, take out, flying or staying with one of Chase's Ultimate Rewards travel partners, this card will reward you for the activities you're already doing.

Chase Sapphire Reserve Card

Chase Sapphire Reserve card art
Recommended Credit:
720850
Excellent Credit

Travel

Annual Fee

$450

Why We Like It:

"3X points on dining and travel"

The Chase Sapphire Reserve card is a great fit for frequent globetrotters with excellent credit who will maximize the perks offered while also racking up more points on their high travel and dining expenditures. However, even if you're not a heavy credit card user and only use this card for travel and dining purchases and decide to cancel it after a year, you can still cash in on some killer rewards.

For example: If you get this card and spend big on dining and travel, you can rack up plenty of travel rewards in just your first year of using the card. And any credit card that pays YOU money is worth a serious look.

As with any card, just be sure to make your payments on time to keep your credit score where you want it to be.

Best Chase Credit Cards – Our Top Picks for 2019

Chase consistently ranks on "top" lists all across the web, and for good reason. Between their various rewards cards, competitive APRs and signup bonuses, Chase offers benefits that match or beat many comparable credit card companies. But what's the point in having a powerful rewards card if it just results in overwhelming debt?

Many people don't fully understand the purpose of a rewards card or how to best utilize it without putting their financial health at risk. Choosing the right card is the first step. If you make smart decisions from the outset, you can remain debt free while earning more rewards than you know what to do with. Here are the main things you need to know about Chase credit cards:

Chase offers a good selection of credit cards, but the four main types you should keep in mind are travel rewards, cashback rewards, balance transfer cards and premium travel rewards. We'll take a look at the best pick from the Chase line up for each of these categories.

Best Chase Travel Perks

Chase Sapphire Preferred

The Chase Sapphire Preferred Card is not only one of the best travel rewards cards in Chase's lineup, but also one of the best travel rewards cards period. It comes with a host of benefits including automatic trip cancellation insurance, trip delay reimbursement, auto rental collision waivers, zero liability protection, airline credit, and even baggage delay insurance.

Points can be transferred to participating programs at a one to one basis, which means you won't lose any of your hard earned points if you decide to use them in a slightly different way.

With more than 43.3 million merchants that accept the Chase Sapphire Preferred, you'll find it difficult to go somewhere your card isn't accepted. If you can stomach the heftier annual fee, the Chase Sapphire Reserve offers even premium travel rewards to people who spend big bucks on travel.

For people that only go on their annual two week vacations, for instance, the Chase Sapphire Preferred isn't the best choice. However, if you travel for business, the rewards can more than make up for the $95 annual fee the card has.

Best Chase Business Travel Perks

Chase Sapphire Reserve

This is one of the most powerful business travel rewards cards out there. The $450 annual fee, plus the additional authorized user fee, means that you will need to spend a hefty annual minimum on travel in order to reap any benefits from this card—not exactly weekend warrior money. However, if you travel for business, this can be a powerful tool when utilized correctly.

Best Chase Cashback Rewards

Chase Freedom

The Chase Freedom is aptly named. The entire purpose of the card is to give you the freedom to use your rewards as you like. If you don't travel often, then a travel rewards card might not be the best option—but everyone spends money, and earning a little cash back on every dollar spent is always a good thing. On top of that, the Chase Freedom comes with a host of other benefits that include Zero Liability Protection, chip-enabled security, purchase and price protection, and even an auto damage collision waiver.

The Chase Freedom is a great starter card for someone that has never owned a credit card before. The cashback rewards are automatic, which means you don't have to keep track of them. If you want to reap the benefits of the rotating categories, however, you'll need to keep an eye on them and activate the category you want each quarter.

Best Balance Transfer Card

Chase Slate

The Chase Slate is one of the best options for a balance transfer card due to its long introductory APR period. Chase also provides a free, personalized dashboard where you can view your FICO score and track how the payments you've made are affecting your credit score. For those seeking to improve their overall score, this is a powerful tool.

While the Chase Slate doesn't yield rewards, it is beneficial to own due to the long introductory APR period on balance transfers and purchases—0% for the first 15 months that your Account is open. When it comes to transferring existing balances and reducing your utilization ratio, the Slate is a powerful tool.

Chase Credit Card Eligibility

Credit card eligibility relies largely on your credit score.

Most commonly rewards cards require excellent credit (a score of 720 or higher) in order to qualify.

Mid tier rewards cards, like the Chase Freedom, only require "Good" credit (650 or higher) in order to qualify. If your credit score isn't high, either due to poor credit history or simply a lack of credit history, starting with one of these lower requirement cards and building your credit can be beneficial and help you qualify for better cards in the future.

Why Chase?

The ideal customer for a Chase credit card is someone with a stable income that wants to make the most of possible rewards. Chase credit cards require a score of "Good" to "Excellent" in order to qualify, depending on the card. The highest yield rewards cards are heavily dependent on high credit scores and high volumes of annual spending. The Chase Sapphire Reserve, for example, isn't the card for the average consumer. The annual fee is far too high for someone that just wants travel rewards points. A person with a 40 hour per week job wouldn't have time to make the most of the card—that is, unless they traveled frequently for business. And by frequently, we mean multiple times each month.

Risks and Benefits

The risks of a Chase credit card are no different than the risks that come with any credit card. If you fail to pay on time, the interest payments can trap you in a never ending cycle of minimum payments and interest penalties. One of the more outstanding risks is balancing your spending with the annual fee. For example, if your card has an annual fee of $95 with a point value of $0.01, you'll need to spend $950 per year with that card to break even. Less than this amount and the rewards don't balance out. The benefits are well worth it, though. Between the strong rewards programs and the advantages that come with owning a Chase card, the benefits far outweigh any potential risks.

Comparisons

Chase credit cards carry similar fees, interest rates, and penalties to other credit card companies. The difference is that Chase has existed for years and has a strong reputation, not only as an independent company, but also as a spinoff of JP Morgan & Chase. This reputation, combined with the rewards programs, places Chase among the top tier of credit card companies.

Fees

All Chase cards carry the fees you would expect: annual fee, balance transfer fees, etc. The Chase Sapphire Preferred has an annual fee, while the Chase Freedom and the Chase Slate have no annual fees. The Chase Sapphire Reserve has an annual fee, plus additional authorized user fees.

How to Apply

Once you decide what Chase card you would like to apply for, click on the "Card Details" or "Learn More" button. The form it takes you to will request the following information:

  • First and last name
  • Suffix
  • Mailing address
  • City, state, and ZIP code

The next screen will ask you whether you have a checking account or a savings account, what your type of residence is, your gross annual income, source of income, and employer. After this, the form will ask you several security questions to help set up your account before they review your decision and let you know whether or not you've been approved.

How long should it take to receive the credit card?

Once you've been approved for a credit card, it shouldn't take longer than five to seven business days for the card to arrive by mail. If you aren't given an immediate decision, your decision will then come via the mail along with an explanation of the reasons for denial if you are not approved.

Our Verdict

Looking for a credit card can be overwhelming, especially if you aren't sure what all the different terms and numbers actually mean in real world application. Chase has several credit cards with vastly different applications and target demographics. If you're thinking of choosing Chase as your credit card provider, take the time to evaluate your needs as a consumer. What exactly do you need a credit card for? How often do you travel? If you're looking to make a few balance transfers and pay off a bit of debt, then the Chase Slate is an excellent choice. On the other hand, if you want a day to day card that can yield rewards while you use it, the Chase Freedom is one of the best all around cards out there. Balance your needs against what Chase has to offer before you make your decision.

FAQ

What credit score do I need to apply for a Chase credit card?

Chase cards are generally for "Good" to "Excellent" credit scores. To apply for a Chase card, your credit should be 700+.

You May Also Enjoy
Can I do balance transfer from one card to another card?

Yes. Chase offers balance transfer cards.

Can I get a Chase card if I have no credit history?

It is likely that you will be denied, seeing as though Chase credit cards are for people with "Good" to "Excellent" credit.

Will my APR increase if I fail to make a payment on time?

Yes.

Where can I manage my credit card payments?

You can manage your payments with online bill pay, or call on the phone.

Chase Bank Address
Chase Bank
201 N. Walnut Street
Wilmington, DE 19801

Chase Bank Phone Number