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 charges), was a Chase product, and it launched me to the world of factors and miles.
I will always remember the way it felt to redeem miles I would earned with the cardboard for the primary time or the journey I took: a last-minute journey with buddies to Moab, Utah, that on the time I by no means would have been in a position to afford in any other case. It opened up my eyes to what was attainable 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 position in my pockets.
If I have been to begin over again, I would in all probability select a unique 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 during the last decade than I ever might have dreamed.
Whether or not your aim is to earn factors and miles for journey, acquire money again or entry perks that may improve your journey expertise, Chase has a card to satisfy your wants. Listed below are our high picks.
The perfect Chase bank cards
Evaluating the most effective Chase bank cards
These are TPG’s high suggestions for the most effective Chase bank cards.
| Card | Greatest for | Welcome bonus | Incomes price | Annual charge |
|---|---|---|---|---|
| Chase Sapphire Most well-liked Card | Newer factors fanatics | 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 charge 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 well-liked 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 Fast 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 providers | 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 once 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 Fast Rewards Plus Credit score Card | Southwest loyalists who desire a low annual charge | Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening. |
|
$69 |
| Prime Visa | Amazon consumers | Get a $100 Amazon present card immediately upon approval (solely for Prime members). |
|
$0, although this card requires a Prime membership |
Chase Sapphire Most well-liked Card
Welcome supply: Earn 100,000 factors after you spend $5,000 on purchases throughout the first three months of account opening.
Annual charge: $95.
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Standout advantages: The Chase Sapphire Most well-liked has lengthy been one of the well-liked journey bank cards on the market — and for good purpose. Between its incomes charges and perks, it is a point-earning workhorse. Plus, it is at the moment sporting a 100,000-point welcome bonus that is extremely profitable since Chase Final Rewards factors might be transferred to a variety of lodge and airline companions.
I like transferring factors earned with my Chase Sapphire Most well-liked to Hyatt to guide 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 a protracted 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 serious class for me because it covers the whole lot from the advantageous eating eating places I like attempting out when touring to the meals vans I frequent in my house metropolis of Portland, Oregon, to the espresso store I go to each day with my canine.
Associated: I’ve the Chase Sapphire Most well-liked — which card ought to I get subsequent?
It additionally earns 3 factors per greenback spent on on-line groceries, which is my most popular methodology of buying cumbersome objects like canned beans and child formulation, (excludes Walmart, Goal and wholesale golf equipment).
This card additionally contains no less than one yr of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and despite the fact that I do not order supply steadily, 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 well-liked Card.
Apply right here: Chase Sapphire Most well-liked Card
Chase Freedom Limitless
Welcome supply: Earn $250 money again after you spend $500 on purchases throughout the first three months of account opening.
Annual charge: $0.
Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.
It earns no less than 1.5% money again — or 1.5 factors per greenback once you pair this card with an Final Rewards-earning product (extra on that beneath) — on all purchases, together with those who fall exterior one among its bonus classes. This implies it is an amazing alternative for many who wish to earn a strong cash-back price with out monitoring their spending throughout varied classes.
That is a pleasant proposition, nevertheless it’s not the explanation I’ve spent years shouting about this card from the rooftops. Whereas the Freedom Limitless is marketed as a cash-back card, which means it would not supply the flexibility to switch factors to Chase’s airline and lodge companions, that every one adjustments should you 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 would earn simply 1 level per greenback with a unique card. That is a 50% enhance in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual charge.
Since there is not any annual charge 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.
You can too get Chase playing cards within the reverse order. Up to now, I’ve beneficial the Freedom Limitless as a stepping-stone product to family and friends members who might 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 supply: Earn $750 after you spend $6,000 on purchases throughout the first three months of account opening.
Annual charge: $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 possibility for enterprise house owners of all stripes.
Like its client counterpart, it is best leveraged as a part of a duo with an Final Rewards-earning card, as that may unlock the flexibility to transform the money again it earns into transferable factors. I like transferring my factors to packages like British Airways, which has a distance-based award chart that enables me to guide economic system Alaska Airways flights up and down the West Coast at very affordable charges.
I used to be thrilled to see Chase add a product like this one to its enterprise lineup. Whereas many enterprise bank cards supply bonuses in classes like journey, transport and promoting, there are such a lot of enterprise bills that do not fall underneath these umbrellas.
Up to now, I’ve used this card for bills associated to constructing and sustaining an internet 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 well-liked Credit score Card
Welcome supply: Earn 90,000 factors after you spend $8,000 on purchases throughout the first three months of account opening.
Annual charge: $95.
Standout advantages: The Ink Enterprise Most well-liked is a heavy hitter within the enterprise card class due to nice incomes charges, a hefty welcome bonus and an affordable annual charge.
It earns 3 factors per greenback spent on the primary $150,000 spent in mixed purchases annually on a variety of enterprise classes, a lot of that are extensively helpful.
For instance, I like utilizing the cardboard to earn 3 factors per greenback spent on journey, a class that features the whole lot from airfare and resorts to taxis and parking heaps. Even when your small business would not particularly relate to journey, profiting from this incomes price on purchases which might be travel-adjacent might help you maximize your spending.
The Ink Enterprise Most well-liked can be my go-to card for incomes bonus factors on web, cable and cellphone providers, which might apply to virtually each enterprise.
I initially took out this card to help a contract writing enterprise, for which web entry was essential. 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 well-liked 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 small business can help that degree 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 guide business-class flights to Japan and Tahiti, respectively.
For extra particulars, see our full evaluate of the Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked Credit score Card
Chase Sapphire Reserve
Welcome supply: Earn 60,000 factors after you spend $5,000 on purchases throughout the first three months of account opening.
Annual charge: $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 straightforward to make use of, and the beneficiant incomes price 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 well-liked was a greater match for my particular wants, I did maintain the Reserve for a few years and located quite a bit to like about it.
Specifically, I liked the flexibility to get 50% extra worth when redeeming factors for journey by Chase Journey. Whilst you’ll typically get higher worth when transferring your factors to lodge or airline companions, I discovered many instances the place the elevated portal redemption price 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 accessible. 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 liked utilizing the Sapphire Reserve for main rental automotive insurance coverage whereas touring. If you happen to decline the rental firm’s collision insurance coverage, Chase gives 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 facet 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 Fast Rewards Precedence Credit score Card
Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening.
Annual charge: $149.
Standout advantages: Southwest is a switch companion of Chase Final Rewards, which 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 stated concerning the different advantages of the Southwest Fast Rewards Precedence Credit score Card and their influence in your flying expertise.
The cardboard has some key options that may make your journey day rather more stress-free. For starters, 25% again on inflight purchases might help you entry discounted Wi-Fi to maintain any last-minute journey particulars or get pleasure from a reduced glass of wine. In the meantime, 4 upgraded boardings per yr might help you beat the boarding chaos and provide you with additional time to get settled.
Plus, the cardboard comes with extra options that assist offset the annual charge — 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 can 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 Fast Rewards Precedence card additionally comes with a ten,000-point qualifying increase annually for Southwest’s coveted Companion Go, which lets you designate a journey companion to fly in your itineraries for simply the value of taxes and charges, whether or not you guide with money or factors.
For extra particulars, see our full evaluate of the Southwest Fast Rewards Precedence card.
Apply right here: Southwest Fast Rewards Precedence Credit score Card
Ink Enterprise Money Credit score Card
Welcome supply: 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 once you spend $6,000 on purchases throughout the first six months after account opening.
Annual charge: $0.
Standout advantages: If you happen to’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 appropriate place.
My favourite function of this card is that it earns 5% money again (or 5 factors per greenback spent should you mix it with a card just like the Sapphire Most well-liked or the Sapphire Reserve) on the primary $25,000 spent in mixed purchases every anniversary yr at workplace provide shops and on web, cable and cellphone providers.
It is easy to see how web and cellphone providers are helpful for many enterprise house owners. My computer-based freelance writing and journey consulting facet hustles have at all times relied on the web. However even my husband, who walks canines exterior his nine-to-five, makes use of his cellphone and the web for consumer communication and administrative work, reminiscent of submitting taxes.
However the methods to capitalize on the workplace provide retailer bonus could also be much less apparent. Even should you do not usually use conventional workplace provides in your line of labor, as is the case for each me and my husband, you will discover loads of worth right here should you search for it.
Staples, as an illustration, sells the whole lot from workplace furnishings to passport providers to Apple AirPods, and I’ve even bought meals there throughout the workday greater than as soon as. Its web site even has a bit you may scope out titled “Sure, Staples has that” should you’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 supply: Earn $200 money again after you spend $500 on purchases throughout the first three months of account opening.
Annual charge: $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% value it for the payoff.
The Freedom Flex provides the chance to earn 5% money again on as much as $1,500 in mixed spending purchases in rotating quarterly bonus classes (after activation).
Which means you should use it to earn 7,500 bonus factors per quarter or 30,000 factors per yr, which is fairly nice for a card with out an annual charge. 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 should you additionally maintain an Final Rewards-earning card.
Whereas the bonus class for every quarter is not revealed very far prematurely, 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 instances, each of that are massive spending classes for me. Chase has additionally used PayPal as a bonus class a number of instances, and since so many on-line companies settle for it, your choices for incomes are almost limitless.
Lately, a bonus on purchases at pet retailers and veterinary providers helped me earn so many factors throughout an emergency with my canine that I used to be in a position to guide 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 Fast Rewards Plus Credit score Card
Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening.
Annual charge: $69.
Standout advantages: Whereas we love the Southwest Fast Rewards Precedence Credit score Card, there’s one other inexpensive possibility that additionally gives nice worth: the Southwest Fast Rewards Plus Credit score Card.
An annual charge 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 Go and an incomes price of two factors per greenback spent on classes like native transit and commuting, Fast Rewards resorts and automotive rental companion purchases, and choose streaming providers.
Each playing cards even have one other function in widespread that may quickly grow to be necessary when Southwest ends its longtime bags-fly-free coverage: They will every mean you can examine your first bag freed from price.
As a brand new mother who totes round loads of child provides, this profit is extraordinarily enticing to me. With such a low annual charge, the cardboard would doubtless make sense for me based mostly on the bag perk alone.
For extra particulars, see our full evaluate of the Southwest Fast Rewards Plus card.
Apply right here: Southwest Fast Rewards Plus Credit score Card
Prime Visa
Welcome supply: Get a $100 Amazon present card immediately upon approval (solely for Prime members).
Annual charge: $0, although this card requires a Prime membership.
Standout advantages: A favourite amongst Amazon fanatics, the Prime Visa is ideal for these with Amazon Prime accounts who spend steadily at Amazon and Complete Meals and wish to earn money again slightly than journey rewards (although the Prime Visa does allow you to earn an elevated reward price 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 possibly can probably want, together with meals, family provides, clothes and items. However the incomes price will get much more spectacular when you’ve got an eligible Prime membership, leaping to five%.
As a brand new guardian, it looks like I flip to Amazon almost every single day for one factor or one other. Whether or not it is provides like diapers, wipes or formulation 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 positioning 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 think about when selecting a Chase bank card
Whereas all these playing cards can present immense worth when used to their full potential, it is necessary to think about a number of particular components earlier than making your choice. Considering by them will make sure you’re choosing a card that most accurately fits your life-style, price range, preferences and journey objectives.
Whereas figuring out the most effective card for you may really feel overwhelming, keep in mind that your choice just isn’t set in stone; you may at all times product change a card after holding it for a yr with out affecting your credit score rating.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
I did this a number of 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.
Ultimately, I settled on the Chase Sapphire Most well-liked as my main Final Rewards-earning card, and I’ve held it ever since.
Most well-liked rewards
Fascinated with what sort of rewards you’d prefer to earn is a superb start line for selecting a bank card. Do you wish to maintain it easy with money again? Or, are you desperate to dive into the world of transferable journey factors?
Welcome bonus
Welcome bonuses are necessary on the planet of bank cards, as they characterize your greatest probability to earn a big sum of factors directly. In addition they fluctuate all year long: The Chase Sapphire Most well-liked, for instance, is at the moment providing its highest-ever bonus however just for a restricted time.
Spending habits
To get the absolute best return in your spending, you may 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 procuring are all main ones, which is why the Chase Sapphire Most well-liked and the Ink Enterprise Most well-liked proceed to carry locations in my pockets yr after yr.
Annual charge
After all, you may additionally wish to suppose by your price range and what, if something, you are prepared to spend on bank card annual charges.
Chase provides a variety of choices, from $0 all the best way as much as $550, so there’s one thing for everybody. Whereas getting greater than your cash’s value with any of those playing cards is actually attainable, a premium providing solely is sensible should you can maximize the cardboard’s advantages.
How we selected the most effective Chase bank cards
We selected the most effective Chase bank cards based mostly on a number of components, together with welcome provides, 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 rely on which card you go for. With the Southwest cobranded playing cards, it is necessary to notice that you will solely earn Fast Rewards factors, whereas the Chase Sapphire Most well-liked, the Chase Sapphire Reserve and the Ink Enterprise Most well-liked earn Final Rewards factors that may be transferred to a variety of airline and lodge companions — Southwest included.
The Prime Visa, the Ink Enterprise Most well-liked, the Ink Enterprise Money, the Chase Freedom Limitless and the Chase Freedom Flex all earn money again should you want to earn money as a substitute of journey rewards. Nonetheless, the latter 4 playing cards have the flexibleness to transform these rewards to transferrable journey forex should you even have a card that earns Final Rewards factors.
I personally select to earn journey rewards over money again since I journey steadily 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 might be along with your bank card technique, Chase has a card that may fit your wants. Bank card learners have wonderful choices within the Chase Sapphire Most well-liked, the Chase Freedom Limitless and the Chase Freedom Flex.
Frequent vacationers trying to find a premium card expertise can leverage the Chase Sapphire Reserve, whereas enterprise house owners have a strong lineup to select from: the Ink Enterprise Most well-liked, the Ink Enterprise Limitless or the Ink Enterprise Money.
Whichever card you choose, relaxation assured which you can’t go fallacious. With helpful perks and protections, nice incomes charges and wholesome welcome bonuses, Chase playing cards are among the many most respected you may have in your pockets.
Associated: Causes the Chase Sapphire Most well-liked must be your subsequent bank card
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