The Greatest Chase Credit score Playing cards of January 2023

Insider’s consultants select one of the best services and products to assist make sensible choices together with your cash (here’s how). In some circumstances, we obtain a fee from our partners, nonetheless, our opinions are our personal. Phrases apply to provides listed on this web page.

Bank card factors and frequent flyer miles are extremely helpful, it doesn’t matter what program you earn them with or what you ultimately select to do with them. Whereas there are a number of various kinds of bank card rewards, you profit no matter which sort your card earns by accumulating a rebate in your on a regular basis spending — so long as you observe monetary self-discipline and repay your assertion in full every month.

The Chase Sapphire Reserve is a premium rewards card that has set the usual for different bank card issuers who up to date their very own merchandise to maintain up with the Reserve’s top-of-the-line rewards and advantages. However even if you happen to do not need to pay the steep annual charge for the Reserve, Chase has different excellent rewards cards to think about, together with choices that earn money again and nice small-business bank cards.

For instance, the Chase Sapphire Preferred® Card presently has an excellent welcome bonus supply of 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening.

Have a look beneath at our decisions of one of the best accessible Chase playing cards, together with our total prime choose, the Chase Sapphire Most popular® Card.

Evaluate one of the best Chase bank cards

The most effective Chase bank card evaluations

Greatest total for journey rewards: Chase Sapphire Most popular

Why the Chase Sapphire Most popular is value it:  The Chase Sapphire Most popular® Card has an inexpensive annual charge and nice advantages, and comes with a wonderful welcome bonus supply.

Welcome bonus supply: 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening

The Sapphire Most popular provides and a considerable welcome bonus supply for a reasonable annual charge. It earns 5x factors on journey bought by way of Chase Final Rewards (2x factors on all different journey purchases), 3x factors on eating, 3x factors on on-line grocery purchases (excluding Goal, Walmart, and wholesale golf equipment), 3x factors on choose streaming providers, and 1 level per greenback on the whole lot else.

Factors are value 1.25 cents on travel booked through Chase, however you may nonetheless switch them to Chase’s frequent flyer and hotel loyalty program partners. You will additionally obtain primary car rental insurance coverage, journey delay protection, buy safety, and a 10% anniversary points bonus. The annual charge is a manageable $95.

Execs: Nice welcome bonus supply, transferable factors, journey perks, decrease annual charge than the Sapphire Reserve card

Cons: Earns fewer factors in some classes than the Sapphire Reserve

Assessment: Chase Sapphire Preferred card review

Greatest premium card: Chase Sapphire Reserve

Points are worth 1.5 cents each toward travel booked through Chase or with Pay Yourself Back, but you can also transfer them to over a dozen Chase airline and hotel partners — typically, this gets you the most value for your points. Benefits include access to airport lounges through the Priority Pass network, trip delay coverage, buy safety, as much as $100 to cowl the Global Entry, TSA PreCheck, or NEXUS application fee, and first automobile rental insurance coverage.

Nonetheless, whereas the airport lounge entry might be nice, most Precedence Go lounges are in worldwide terminals, which is not useful if you’re flying domestically.

You will additionally get a complimentary Lyft Pink All Access membership for 2 years — and a 50% low cost in your third 12 months. All it is advisable do is activate your membership by December 31, 2024. An annual membership prices $199, and comes with issues like:

• Free Precedence Pickup upgrades
• Member-exclusive pricing together with as much as 15% off rides
• Cancellation forgiveness (free as much as 3 times per thirty days)
• In-app roadside help to your personal automobile (free as much as 4 occasions a 12 months)
• Free SIXT automobile rental upgrades
• Free, limitless 45-min basic bike rides
• Free limitless ebike and scooter unlocks
• Discounted ebike and scooter charges
• Three bike or scooter visitor passes per 12 months

The annual charge is $550, however that is offset by as much as a $300 travel credit annually, which is sweet for issues like taxis, subway fares, parking, tolls, and flights.

There aren’t many downsides to this card — moreover the upfront annual charge. Chase has invested closely in making the Chase Final Rewards program aggressive. Reserving flights by transferring factors to frequent flyer companions is mostly extra profitable — that is normally how folks use factors to fly in first and enterprise class — however it may be sophisticated as a result of you must decipher award charts, discover availability, and work round usually advanced airline guidelines.

Nonetheless, as a result of the Sapphire Reserve lets you get 1.5 cents for each point if you ebook paid journey by way of the Chase Final Rewards journey portal, there is a less complicated and still-valuable choice.

Execs: Strong welcome bonus, easy-to-earn factors, factors switch to fashionable frequent flyer and resort loyalty applications, good airport advantages

Cons: Excessive annual charge, Precedence Go lounges are sometimes in worldwide terminals

Assessment: Chase Sapphire Reserve card review

Why the Chase Freedom Limitless is value it: The Chase Freedom Limitless® helps you earn factors for on a regular basis purchases and get money again with no annual charge.

Welcome bonus supply: 1.5% money again along with common incomes on the whole lot you purchase as much as $20,000 spent within the first 12 months (value as much as $300 money again). 

If you have already got the Sapphire Reserve or the Sapphire Most popular and are saving your factors for a redemption, the Freedom Limitless can provide your stability a pleasant enhance. Whereas Chase markets the cardboard as “money again,” it really earns Chase Final Rewards factors which you could redeem for money, present playing cards, journey, and extra (1 level = 1 cent).

When you’ve got a premium card just like the Sapphire Reserve, you may pool your points from the two cards. The Freedom Limitless earns a minimal of 1.5% money again (or 1.5 factors per greenback spent), so paired with a Sapphire Reserve, it is an excellent card to make use of for purchases that are not made on journey bills or eating.

The Freedom Limitless additionally earns 5% money again on journey booked by way of Chase and three% again on eating and drugstore purchases.

Better of all, the cardboard has no annual charge and comes with a 0% intro APR on purchases and stability transfers for the primary 15 months. After that, there is a 18.74% – 27.49% Variable APR. When you’ve got a significant buy forward of you, that introductory supply might be helpful.

The Chase Freedom Limitless is a unbelievable all-around card. Nonetheless, to get probably the most worth when it is time to spend your factors, you want the Sapphire Reserve, Sapphire Most popular, or Ink Enterprise Most popular® Credit score Card, too, so you may pool your factors. In any other case, factors are solely value 1 cent every regardless of how you utilize them they usually cannot be transferred to airline or resort companions.

Execs: Sturdy welcome bonus supply, earn factors on common purchases, no annual charge, 0% intro APR on purchases and stability transfers for the primary 15 months (and a 18.74% – 27.49% Variable APR after that)

Cons: One level solely equals 1 cent for money again; to get a greater worth you will must pair it with the Sapphire Most popular, Sapphire Reserve, or Ink Most popular

Assessment: Chase Freedom Unlimited card review

Why the Chase Freedom Flex is value it: The Chase Freedom Flex℠
provides 5% money again or 5x factors on as much as $1,500 of spending in classes that rotate every quarter if you activate (then 1%), along with 5% again on journey booked by way of Chase Final Rewards, 3% again on eating and drugstore purchases, and 1% again on the whole lot else

Welcome bonus supply: $200 after spending $500 on purchases within the first three months from account opening. 

Similar to the Chase Freedom Limitless, the Chase Freedom Flex℠ is marketed as a cash-back card, however really earns Chase Final Rewards factors which you could redeem for money, present playing cards, and journey (1 level = 1 cent). You’ll be able to mix them with Chase Final Rewards earned from a unique card, which supplies you the choice to get a bonus when redeeming them for journey or switch them to journey companions.

The important thing characteristic of the Chase Freedom Flex℠ is that it earns 5% money again (5x factors) on as much as $1,500 spent per quarter as soon as activated in rotating quarterly bonus categories. Prior to now, quarterly classes have included Amazon, grocery shops, and gasoline stations. From January 1 to March 31, 2023, the Chase Freedom bonus classes are grocery shops, Goal, and fitness center/health memberships.

Nonetheless, that is not the place the bonus money again ends; the Chase Freedom Flex℠ additionally earns 5% money again (with no cap) on journey bought by way of Chase Final Rewards, 3% again on eating and drugstore purchases, and 1% again on the whole lot else.

It does not have an annual charge, and there is a 0% intro APR on purchases and stability transfers for the primary 15 months (with a 18.74% – 27.49% Variable APR afterward).

Execs: Good welcome bonus supply, nice incomes price for a number of bonus classes, 0% intro APR on purchases and stability transfers for the primary 15 months (and a 18.74% – 27.49% Variable APR after that)

Cons: One level solely equals 1 cent for money again, to get a greater worth you will must pair it with the Sapphire Most popular, Sapphire Reserve, or Ink Most popular

Assessment: Chase Freedom Flex card review

Why the Chase Ink Enterprise Most popular is value it: The Ink Enterprise Most popular® Credit score Card helps small enterprise house owners rack up factors shortly, and mix them with factors earned on their private playing cards.

Welcome bonus supply: 100,000 factors after spending $15,000 on purchases within the first 3 months from account opening

The Ink Most popular is a superb rewards credit card for small-business owners — and you do not have to run a multi-million greenback company to qualify for a business credit card.

The cardboard, which has a $95 annual charge, earns 3 factors per greenback on the primary $150,000 you spend every cardmember 12 months in choose classes, together with journey, delivery, web/cable/cellphone, and promoting on social media websites or with search engines like google and yahoo, comparable to Google Adverts. Purchases after you attain $150,000, or in another class, earn 1 level per greenback.

Until you use a small enterprise that is on the bigger facet, chances are high you will not hit that cap for bonus rewards. The cardboard’s welcome bonus is a superb worth — you will earn 100,000 factors after spending $15,000 on purchases within the first 3 months from account opening — value $1,250 towards journey booked by way of Chase Final Rewards.

Like with the Sapphire Most popular, you will get a 25% bonus when utilizing factors out of your Ink Most popular to ebook journey straight with Chase or by way of Pay Your self Again. In fact, if you happen to pool them in your Sapphire Reserve card, that bonus will likely be 50% as an alternative.

The cardboard comes with a handful of different perks, a lot of which overlap with the Sapphire Most popular and Sapphire Reserve, comparable to trip cancellation and interruption insurance, main automobile rental protection, and numerous buy protections. It additionally comes with cell phone insurance if you use the cardboard to pay your cellphone invoice, providing as much as $1,000 for every coated declare, with a $100 deductible, as much as 3 times per 12-month interval.

Execs: Helpful bonus classes, cellular phone insurance coverage, potential to switch factors

Cons: Caps on bonus incomes which bigger small companies could attain shortly

Assessment: Ink Business Preferred card review

Why the Chase Ink Enterprise Money is value it: The Ink Enterprise Money® Credit score Card provides its highest-ever welcome bonus value doubtlessly $1,620 in journey (as you will see in a minute). That is unimaginable for a no-annual-fee enterprise card. And in case your spending traces up with the cardboard’s 5x bonus classes, you would earn an enormous quantity of factors yearly. 

Welcome bonus supply: $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

The Ink Enterprise Money® Credit score Card is a superb choice if you happen to desire a no-annual-fee small-business card, particularly if your corporation spends quite a bit in sure classes. Together with $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening, cardholders earn 5% money again (5x factors) at workplace provide shops and on web, cable, and cellphone providers, and a couple of% money again (2x factors) at gasoline stations and eating places. You will earn 5% and a couple of% in these classes on the primary $25,000 in mixed purchases every account anniversary 12 months (then 1%), and 1% money again (1 level per greenback) on all different purchases with no caps.

Though this card is marketed as a cash-back bank card, it really earns Chase Final Rewards factors, that are value 1 cent every if you redeem them for money again, present playing cards, or travel through the Chase travel portal. Nonetheless, if you happen to even have the Ink Most popular, Sapphire Most popular, or Sapphire Reserve, you may mix your factors and unlock extra invaluable redemptions, together with transfers to airline and resort companions. 

Cardholders additionally obtain a wide variety of advantages, together with main automobile rental insurance coverage (when renting for enterprise functions), prolonged guarantee, buy safety, and journey emergency help providers. There is a 0% intro APR on purchases for the primary 12 months, adopted by a 16.99% – 22.99% Variable APR.

Execs: Nice welcome bonus and intro APR supply, robust bonus classes, first rate advantages, no annual charge

Cons: Excessive minimal spending requirement to unlock intro bonus supply, factors are solely value 1 cent apiece except you could have an annual-fee Chase Final Rewards card

Assessment: Ink Business Cash card review

Why the Chase Ink Enterprise Limitless is value it: In case you’re on the lookout for an easy small-business card with intro APR and no annual charge, the Ink Enterprise Limitless® Credit score Card is a stable choose. There aren’t any bonus classes to maintain observe of. It additionally provides the identical highest-ever bonus because the Ink Enterprise Money® Credit score Card — value doubtlessly $1,620 in journey.

Welcome bonus supply: $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

Small-business house owners preferring simplicity or who spend quite a bit on purchases that do not fall below typical bonus classes ought to take into account the Ink Enterprise Limitless® Credit score Card. There aren’t any bonus classes or spending caps to maintain observe of — as an alternative, all purchases earn 1.5% money again (1.5x factors) with no limits.

The welcome bonus supply is particularly good for a no-annual-fee card: $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening. As well as, cardholders obtain a 0% intro APR on purchases for the primary 12 months (then a 16.99% – 22.99% Variable). Different advantages embrace main automobile rental insurance coverage (when renting for enterprise functions), prolonged guarantee, buy safety, and journey emergency help providers.

Just like the Ink Enterprise Money® Credit score Card, the factors you earn from the Ink Enterprise Limitless® Credit score Card might be extra invaluable if you happen to pool them into an Ink Most popular, Sapphire Most popular, or Sapphire Reserve account.

Execs: Beneficiant welcome bonus and APR supply, no bonus classes to trace, robust flat-rate money again incomes

Cons: Intro bonus supply has a excessive minimal spending requirement, factors are solely value 1 cent apiece except you could have an annual-fee Chase Final Rewards card

Assessment: Chase Ink Business Unlimited card review

Why the Chase Freedom Scholar card is value it: Faculty college students who do not qualify for normal bank cards due to their restricted credit score historical past can have a better time getting permitted for the Chase Freedom® Scholar bank card, and in contrast to some student credit cards, it comes with a welcome bonus supply and incentives for preserving your account in good standing.

Welcome bonus supply: $50 Bonus after first buy made throughout the first 3 months from account opening

Whereas the Chase Freedom® Scholar bank card does not supply one of the best rewards price — 1% money again on all purchases —  it is a good place to begin if you happen to’re a university pupil who’s new to bank cards. Some pupil playing cards do not add a welcome bonus supply in any respect, however the Chase Freedom® Scholar bank card comes with a $50 Bonus after first buy made throughout the first 3 months from account opening. 

It is also simple to earn the bonus — you do not have to spend a certain quantity inside a particular timeframe. As an alternative, you will set off the supply after your first buy so long as you make it throughout the first three months of opening the account. Cardholders additionally obtain a $20 Good Standing Reward (2,000 Chase Final Rewards factors) annually on their account anniversary for as much as 5 years from account opening, so long as the account stays open and isn’t in default.

The Chase Freedom® Scholar bank card comes with surprisingly good advantages for a no-annual-fee pupil card, together with journey cancellation/interruption insurance coverage, buy safety, and prolonged guarantee. Bear in mind that the cardboard prices overseas transaction charges, so it isn’t a good selection to make use of if you happen to examine overseas or take a global summer time journey.

Execs: No requirement for a excessive credit score rating or lengthy credit score historical past, first rate welcome bonus and annual Good Standing Reward

Cons: Overseas transaction charges, solely earns 1% again on all purchases

Assessment: Chase Freedom Student credit card review

Chase bank card incessantly requested questions (FAQ)