Here at Credit Sesame, we aim to educate our readers and members on all the great credit card products in the marketplace that we find. Chase is definitely one of the top issuers of credit cards, and because they offer so many products, it can be a challenge to decide on the right card for your wallet. Not to worry — we’ve got you covered! Here’s our breakdown of what we think are the five best Chase credit cards.
Best overall Chase credit card
Chase Sapphire Preferred® Card
Annual Fee: $95
In our opinion the Chase Sapphire Preferred® Card is hands down the most versatile Chase credit card. First of all, it has a fantastic bonus offer where qualifying new Cardmembers earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. When you redeem through Chase Ultimate Rewards®, that’s $750 toward travel.
The Chase Sapphire Preferred® Card earns Chase Ultimate Rewards® (UR) points, which can be used for travel booked through the UR website or by transferring points out to one of the many UR travel partners, or used for non-travel redemption including cash, gift cards, and products or services made available through the program or directly from third party merchants. Redemption values for reward options vary. It’s not hard for anyone to find a personalized way to redeem their Chase Ultimate Rewards® points.
You get 25% more in travel redemption – when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards®. To give you an example, when redeemed this way, 60,000 points are worth $750 toward travel. As an additional benefit, if you are a member of a frequent travel program you can transfer your points out to their travel partners, 1:1 point transfer to leading airline and hotel loyalty programs.
The redemption value varies based on what you redeem your points for, and the cost of travel is based on rates and travel available through the Ultimate Rewards® website – which may not reflect all rates and fares that are available through other sales channels.
Beyond the bonus, the Chase Sapphire Preferred® Card has a nice deck of benefits. To start, the rewards program offers 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide.
You can also take advantage of travel benefits, such as no foreign transaction fee.
No wonder the Chase Sapphire Preferred® Card is our choice for best overall Chase credit card.
Terms and conditions apply.
Best Chase credit card for balance transfers
Chase Slate® credit card
Annual Fee: $0
We think the Chase Slate® credit card may be a great credit card option for those looking to make balance transfers and avoid interest charges on those balances. First, take advantage of a $0 introductory balance transfer fee for transfers made during the first 60 days of account opening. After that, the fee for future balance transfer transactions is 5% of the amount of each transfer, with a minimum of $5.
In addition, the Chase Slate® credit card offers a 0% introductory Annual Percentage Rate (APR) for 15 months on purchases and balance transfers from account opening, making this a nice option for those looking to pay off their eligible purchase and balance transfer balances over time without paying interest. After the introductory APR period ends a 14.99%–23.74% variable APR applies for purchases and balance transfers.
Another feature of the Chase Slate® credit card is that it has no annual fee.
Bottom line: If you’re looking to transfer a balance from a non-Chase credit card, or you have some larger purchases coming up that you’d like to pay down at a 0% introductory APR for 15 months, you may want to consider the Chase Slate® credit card.
Terms and conditions apply.
Best Chase credit card for cash back rewards
Chase Freedom® credit card
Annual Fee: $0
The Chase Freedom® credit card is a no annual fee cash back rewards card. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. There are new 5% categories each quarter. Earn unlimited 1% cash back on all other purchases. If you max out your potential bonus category earnings, you earn $75 in cash back each quarter, totaling $300 annually. Not bad for a $0 annual fee card!
Terms and conditions apply.
Best Chase credit card for everyday spending
Chase Freedom Unlimited®
Editor’s Note: The Chase Freedom Unlimited® offer mentioned in this article has expired and is no longer available through our site
Best Chase credit card for travel
UnitedSM Explorer Card
Annual Fee: $0 introductory annual fee for the first year, after that an annual fee of $95
The UnitedSM Explorer Card is a nice compliment card if you hold the Chase Sapphire Preferred® Card because United MileagePlus® is a transfer partner of the Chase Ultimate Rewards® program.
That makes it very convenient to combine your points from the two cards for top notch travel experiences. That being said, Chase also has several other co-branded cards with their Chase Ultimate Rewards® travel partners, such as The World of Hyatt Credit Card and IHG® Rewards Club Traveler Credit Card, and they often have limited time new Cardmember bonus offers for these products for new Cardmembers that qualify.
Qualifying new Cardmembers of the UnitedSM Explorer Card may be eligible for a limited time offer – earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening.
The UnitedSM Explorer Card offers additional travel benefits, including no foreign transaction fees when you use your card for purchases made outside the United States. Check your first standard checked bag for free on United-operated flights when you use your UnitedSM Explorer Card to purchase your ticket. As far as the rewards program, you earn 2 miles per dollar spent at restaurants, 2 miles per dollar spent on hotel stays when purchased directly with the hotel, 2 miles per $1 spent on purchases from United, including tickets, Economy Plus, beverages, inflight food, Wi-Fi, and other United charges. Earn 1 mile per dollar spent on all other purchases. Term and conditions apply.
There is a $0 introductory annual fee for the first year, after that an annual fee of $95.
Terms and conditions apply.
It’s important to note that if your credit profile is less than perfect, you may want to consider waiting until it improves before applying for a new credit card – so you can take advantage of a credit card that offers a rewards program or offers an introductory APR for purchases and/or balance transfers. Using Credit Sesame may help you monitor and manage your credit, and it’s free! There are also plenty of other free resources out there, and tips that may help you improve your score.
As you can see, there are a variety of Chase credit cards and one of them may fit your spending patterns and needs. We hope this article helps you decide on the right one for your credit card needs.
Independent Review Disclosure: All the information about the UnitedSM Explorer Card, Chase Freedom® credit card, Chase Slate® credit card, The World of Hyatt Credit Card and IHG® Rewards Club Traveler Credit Card have been collected independently by CreditSesame.com and have not been reviewed or provided by the issuer of these cards. The UnitedSM Explorer Card, Chase Freedom® credit card, Chase Slate® credit card, The World of Hyatt Credit Card and IHG® Rewards Club Traveler Credit Card are not available through CreditSesame.com.
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