5 Best Chase Bank Credit Cards

This content is not provided or commissioned by the issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

 

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 its host of travel benefits, including no foreign transaction fee, plus Travel Benefits, such as Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver,  and more. (These benefits are available when you use your card. Restrictions, limitations and exclusions apply.)

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 17.24%-25.99% 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®

Annual Fee: $0

The Chase Freedom® 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. Enjoy new 5% categories each quarter. 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!

With the Chase Freedom® card qualifying new Cardmembers earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

Terms and conditions apply.

If you want to learn more click on the link below which will take you to a Chase Freedom® card details page.

Learn more about Chase Freedom®.

Best Chase credit card for everyday spending

Chase Freedom Unlimited®

Annual Fee: $0

The Chase Freedom Unlimited® is a rewards credit card from Chase. It simplifies earning on your everyday spending.  Qualifying new Cardmembers earn Double Cash Back: earn 3% cash back on all purchases in your first year up to $20,000 spent. After that, earn unlimited 1.5% cash back on all purchases. Simple enough.

You can enjoy these benefits and more for no annual fee.

Terms and conditions apply.

Tip: If you are a cardmember of the Chase Sapphire Preferred® Card and one of the the Freedom cards, you can combine your Freedom rewards with your Chase Sapphire Preferred® Card for the ability to transfer your Chase Ultimate Rewards® out to one of the Chase Ultimate Rewards® travel partners.

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 Premier 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 can earn 40,000 bonus miles after spending $2,000 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 accommodations when purchased directly with the hotel, 2 miles per $1 spent on purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 1 mile per dollar spent on all other purchases.

There is a $0 introductory annual fee for the first year, after that an annual fee of $95.

Terms and conditions apply.

Conclusion

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 can help you monitor and manage your credit, and it’s free! There are also plenty of other free resources out there, such as get out of debt guides and other 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.

Terms apply.


Independent Review Disclosure: All the information about the UnitedSM Explorer Card , Chase Slate® credit card, The World of Hyatt Credit Card and IHG® Rewards Club Premier Credit Card has been collected independently by CreditSesame.com and has not been reviewed or provided by the issuer of these cards. The UnitedSM Explorer Card, the Chase Slate® credit card, The World of Hyatt Credit Card and IHG® Rewards Club Premier Credit Card are not available through CreditSesame.com.

Advertiser Disclosure: The credit card and loan offers that appear on this site are from companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not show all credit card or loan offers available in the marketplace. Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the “Apply Now” button, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

The information, including card rates and fees, presented in this article is believed to be accurate as of the date of the article. Please refer to issuer website and application for the most current information. Verify all terms and conditions of any offer prior to applying.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

Disclaimer: The article and information provided here is for informational purposes only and is not intended as a substitute for professional advice.

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved.
Published July 5, 2016
Related Links

Leave Your Reply

Submitting comment...