Credit Cards » Compare Credit Cards » Best Chase Credit Cards (November 2022)
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Best Chase Credit Cards (January 2023)

Chase offers a number of card options in a variety of categories. Here are The Smart Investor Select’s picks for Chase credit cards
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

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Chase Bank services almost half of the households in the USA with a broad variety of products, including numerous credit cards. Chase cards offer great rewards with a superb points program, generous spending rewards, and sign up bonuses. In fact, Chase issues some of the most well known store, hotel, and airline credit cards.

Chase has a superb cash back program where you can earn a percentage back on your purchases. Depending on the card option, you could earn up to 5% on spending in certain categories. However, the lowest cash back tier is 1%. You can choose a card that maximizes your cash back benefits, so you can earn the most on your every day or frequent spending.

Some Chase cards offer points rewards rather than a percentage of cash back. This type of reward works on the same principle as cash back. You’ll receive a specific number of points for purchases in certain categories. So, you could earn 1 to 5 points for each $1 you spend.

Here are The Smart Investor Select’s picks for the top Chase credit cards:

Card
Rewards
Bonus
Annual Fee
Best For

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$95
Value for Money

Chase Freedom Flex

1-5%
$200
$0
Rotating Categories

chase freedom unlimited card

1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
$0
No Annual Fee.

1X – 10X 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$550
Travel and Dining

Amazon Prime Rewards Visa Signature Credit Card Review

1-5% 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases
$150 $150
$0 ($139 per year Amazon Prime Membership Fee required)
Shoppers

Marriott Bonvoy Boundless Card review 2019

1x – 17X up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases
5 Free Nights 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases
$95
Sign up Bonus
united explorer
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
50,000 miles 50,000 miles after spending $3,000 on purchases in the first 3 months your account is open
$95 ($0 first year)
Airline

World of Hyatt

1X – 4X 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases
30,000 points 30,000 points after you spend $3,000 on purchases within the first 3 months of account opening
$95
Hotel Rewards

How Do Chase Cash Back Offers Work?

Chase has a superb cash back program where you can earn a percentage back on your purchases. Depending on the card option, you could earn up to 5% on spending in certain categories. However, the lowest cash back tier is 1%. You can choose a card that maximizes your cash back benefits, so you can earn the most on your every day or frequent spending.

The rewards redemption is flexible. You can redeem it in a number of ways including:

  • Credit on Your Statement: You can use your cash back to help to pay down the balance on your credit card. Once you accumulate credit, you can request a statement credit to be applied to your next bill.
  • Online purchases: You can also use your cash back to help pay for purchases with online retailers or travel booking websites.
  • Check: If you prefer, you can opt to receive your cash back as a check mailed to your home or a direct deposit into your bank account.
  • Gift Card: You can also visit the rewards portal to exchange your cash back for gift cards for restaurants, department stores, or other popular brands.

Chase Rewards Program - What You Should Know?

The Chase Ultimate Rewards Program allows you to maximize the benefits of the points you earn on your Chase credit card. You can earn bonus points on selected purchases or redeem your points for cash, gift cards, travel, and more.

So, even if you have not opened up a cash back card, you can transform your rewards into direct deposits into your bank account or statement credit. You can also transfer your points to travel partners with a 1:1 value.

However, the rewards program goes further. You can use your points and card to attend exclusive events that are tailored to your passions and interests. Alternatively, you can use your points to pay for part or all of your Amazon order, Apple purchase, or choose from more than 150 gift card options. There is even the possibility to earn up to 15 bonus points when you shop through Chase at over 350 stores.

Account holders can access the Ultimate Rewards portal on the Chase website or Chase mobile app. You’ll need to sign in using your user name and password to see the available offers and deals. Once you’re logged in, you will see a drop down menu with the redemption offers.

This can make an interesting addition to your account, so you can tailor your rewards to your current interests and preferences.

Chase Sapphire Preferred® Card

chase_sapphire_preffered

On Chase Secure Website / Terms Apply

Chase Sapphire Preferred® Card

Reward details

2X – 5X 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

19.74%–26.74% Variable

On Chase Secure Website / Terms Apply

The Chase Sapphire Preferred® Card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards. The card offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

This card is on our top spot in regards to the best traveling and dining cards as they offer you more points compared to other cards - 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases .

  • Rewards Plan: 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases
  • APR: 19.74%–26.74% Variable
  • Annual fee: $95
  • Balance Transfer Fee: 5% or $5, whichever is greater
  • Foreign Transaction Fee: 0%
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: N/A
  • Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • No Introductory 0% 
  • Balance Transfer Fee - 5% or $5, whichever is greater

  • Does the travel rewards points expire? Your points won’t expire once you keep the credit card account open.
  • Does card Chase Sapphire Preferred offer pre-approval? Yes, you are able to pre-qualify for this card.
  • What is the initial credit limit? The minimum credit limit that you can get with this card type is usually $5,000.
  • How do I redeem cash back? You can redeem your points in a variety of ways through the Chase credit card reward portal. Some of the perks you can get include cash, travel credit, statement credit, and gift cards.
  • What purchases don't earn cash back? All purchases will earn cashback through this card.
  • Should You Move to Chase Sapphire Preferred card?  If you travel frequently and do not want to pay a large annual fee.
  • Why did the Chase deny me? You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.
  •  How hard is it to get a Chase Sapphire Preferred card? If you meet all of the requirements, then it is relatively straightforward to get a Chase Sapphire Preferred card. The requirements are easier compared to Chase Sapphire Reserve card.
  • Is there a limit to rewards/cash back on the Chase Sapphire Preferred card? No limit
  • Can I get car rental insurance with a Chase Sapphire Preferred card? how? Yes, you can get car rental insurance with this card if you decline the collision cover of the rental company and pay for the entire cost of the rental car with this card.

Chase Freedom Flex℠ Card

Chase Freedom Flex

On Chase Secure Website, Terms Apply

Chase Freedom Flex℠ Card

Reward details

1-5%

Current Offer

$200

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases and balance transfers

APR

18.74%–27.49% variable

On Chase Secure Website, Terms Apply

If you have a high credit score and want a card to capture your spending habits with no extra cost. The Chase Freedom Flex℠ Card has a $0 annual fee, and you can earn 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases.

The sign up bonus includes $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

  • Rewards Plan:
  • APR: 18.74%–27.49% variable
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5% (the greater)
  • Foreign Transaction Fee: 3%
  • Sign Up bonus:
  • 0% APR Introductory Rate period: 15 months on purchases and balance transfers
  • Sign Up Bonus
  • No Annual Fee
  • 0% Intro APR 
  • Protection & Free Credit Score
  • Higher cashback Bonuses has a Cap
  • Balance Transfer Fee
  • Foreign Transaction Fee

  • Is there a limit to cashback? There is a cap on the bonus categories whereby it will cover up to $1,500 of relevant purchases per quarter.
  •  Can I get car rental insurance with a Chase Freedom Flex card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
  •  What are Chase Freedom Flex card income requirements? No specific income requirements and it does not usually ask for proof of income requirements.
  • Does card Chase Freedom Flex offer pre approval? Yes, you can get pre-approval.
  • What is the initial credit limit of the Freedom Flex? The initial credit limit varies, but can often be between $300 and $1,000. The average limit for this card is $3,000.
  • How do I redeem cashback? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
  • What purchases don't earn cashback? All purchases earn cashback with this card.
  • Should You Move to Chase Freedom Flex card?  This is a good fit for people who are looking for good cashback rates, as well as getting access to quarterly bonus categories for enhanced rates.
  • How hard is it to get it? It is not very hard to get this type of card once you meet all of the straightforward requirements.
  • How to maximize rewards on Chase Freedom Flex card? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards. To maximize rewards, you should make sure that you take advantage of the bonus categories and leave the other types of purchases that are not covered by an enhanced rate to another card. This is because you will only get 1% cashback on non-covered purchases.
  • Top Reasons NOT to get the Chase Freedom Flex card? If you make a lot of purchases not covered by the respective categories and will only get 1% cashback on them. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.

Chase Freedom Unlimited®

chase freedom unlimited card

On Chase Secure Website / Terms Apply

Chase Freedom Unlimited®

Reward details

1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases

Current Offer

Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back

Credit Rating

Fair

Annual Fee

$0

0% Intro

15 months on purchases and balance transfers

APR

18.74%–27.49% variable
On Chase Secure Website / Terms Apply

The Chase Freedom Unlimited® card provides an enthralling combination of lavish rewards, including a 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases. It offers a nice sign-up bonus of additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back.

Another benefit worth mentioning is the long 0% intro APR - 15 months on purchases and balance transfers (18.74%–27.49% variable after that). Overall, Chase Freedom Unlimited is one of the best options in the market, especially for those who are looking to save the annual fee.

  • APR: 18.74%–27.49% variable
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 3%
  • Rewards Plan: 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
  • Sign Up bonus: additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
  • 0% APR Introductory Rate period: 15 months on purchases and balance transfers
  • Cash Back Rewards + Sign Up Bonus
  • 0% APR on Balance Transfers & Purchases
  • No Annual Fee
  • Protection & Free Credit Score
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • Less Relevant For Frequent Travelers

  • Is there a limit to cashback rewards? There is no cap.
  • Can I get car rental insurance with a Chase Freedom Unlimited card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
  • Should You Move to Chase Freedom Unlimited card?  This is a good fit for people who are looking for no annual fee card including good cashback rates that do not change.
  •  Why did Chase Freedom Unlimited card deny me? You might not have met one of the requirements for this card. You can talk with a member of the customer support team to see what the issue is and how you might be able to rectify it.
  •  How hard is it to get a Chase Freedom Unlimited card? It is not very hard to get this type of card once you meet all of the straightforward requirements.
  •  How to maximize rewards on the Chase Freedom Unlimited card?
  • You can choose between the options as to how you utilize the rewards. To maximize rewards, you should make the most of the signup bonus and also be aware of which of your credit cards have the best cashback for a particular type of purchase.
  • Top reasons NOT to get the Chase Freedom Unlimited card? If you are looking for higher flat cashback rates. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.
  • Does Chase ask for proof of income? There is no specific income requirements and it does not usually ask for proof of income requirements.
  • Does the card offer pre-approval? Yes, you can get pre-approval.
  • What is the initial credit limit? The initial credit limit varies, but can often be between $1,000 and $5,000.
  • How do I redeem cashback? Go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
  • What purchases don't earn cashback with the Freedom Unlimited card? All purchases earn cashback with this card.

Chase Sapphire Reserve®

On Chase Secure Website / Terms Apply

Chase Sapphire Reserve®

Reward details

1X – 10X 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$550

0% Intro

N/A

APR

20.74%–27.74% Variable
On Chase Secure Website / Terms Apply

The Chase Sapphire Reserve® card is a premium travel card that offers many benefits that your average reward card does not. You'll receive , which is about $750 in travel rewards if booked through Chase Ultimate Rewards. Also, the Chase Reserve annual travel credit is one of the highest in the market.

In addition, you earn 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases

However, due to the high annual fee ($550) - you should make sure your regular spending habits fits to this card and you'll be able to cover the high annual cost. If that's not the case - the Chase Sapphire Preferred is a good alternative.

  • APR: 20.74%–27.74% Variable
  • Annual fee: $550
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 0%
  • Rewards Plan: 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate period: N/A
  • Points Rewards
  • Sign Up Bonus
  • More Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • Airport Lounge Access
  • Annual Fee
  • No 0% Introductory APR
  • Balance Transfer Fee
  • Chase Restrictions

  •  Can I get car rental insurance with a Sapphire Reserve card?  Yes, you can get car rental insurance with this card if you decline the collision cover of the rental company and pay for the entire cost of the rental car with this card.
  • What are Sapphire Reserve card income requirements? There are no transparent income requirements, but it is usually expected that your annual income is at least $30,000 and you may be asked for proof of income.
  •  How do I redeem cash back? You can redeem your points in a variety of ways through the Chase credit card reward portal. Some of the perks you can get include cash, travel credit, a statement credit, and gift cards.
  • What purchases don't earn cash back with the Sapphire Reserve? All purchases will earn you cashback with this card.
  • Should You Move to a Sapphire Reserve card?  If you travel a lot then this is a great option for you. It's recommended to understand your spending habits and compare the Reserve card with other premium travel cards such as the Amex platinum card.
  • Why did Chase deny me? What to Do Next? You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.
  • How hard is it to get Sapphire Reserve card? It is harder to get this card than some of the other Chase credit cards. However, if you have a credit score of at least 720 then you will be in with a good chance of getting approval.
  • How to Use Sapphire Reserve card Benefits?  To maximize rewards, you should take advantage of the high dining and travel-related cashback redemption rates and generally use them for these types of expenses.
  • Top Reasons NOT to get the Sapphire Reserve card? If you do not travel a lot or you don’t want to pay the large annual fee.
  • Does travel rewards points expire? Your points won’t expire once you keep the credit card account open.
  • Does it offer pre-approval? Yes, you can get pre-approved for this card.
  • What is the initial credit limit? The usual minimum credit limit for this card is $10,000.
  • Is there a limit to rewards? No limit

Amazon Prime Rewards Visa Signature

Amazon Prime Rewards Visa Signature Credit Card Review

On Chase Secure Website / Terms Apply

Amazon Prime Rewards Visa Signature

Reward Details

1-5% 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases

Current Offer

$150 $150

Credit Rating

Good – Excellent

Annual Fee

$0 ($139 per year Amazon Prime Membership Fee required)

0% Intro

None

APR

17.99%–25.99% Variable
On Chase Secure Website / Terms Apply

The Amazon Prime Rewards Visa Signature Card is one of the best shopping cards available, especially if you're a frequent buyer on Amazon. This card offers an outstanding 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases, making it a suitable choice for commuters and a 0% fee on foreign transactions.

However, warehouse clubs and superstores are not included and you aren't eligible for 0% intro APR period. Overall, the Amazon card is suitable for individuals that buy or purchase their groceries at traditional supermarkets. 

  • Rewards Plan: 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases
  • APR: 17.99%–25.99% Variable
  • Annual Fee: $0 ($139 per year Amazon Prime Membership Fee required)
  • Balance Transfer Fee: $5 or 5%, whichever is greater
  • Foreign Transaction Fee: 0%
  • Sign Up bonus: Up to $150 Amazon gift card upon approval
  • Sign-Up Bonus
  • Cash Back at Supermarkets & Gas Stations
  • No Annual Fee
  • Extended Warranty on Purchases
  • Amazon Prime subscription required
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • Minimum Redemption Amounts

Does the card have a rewards limit?

The Amazon card doesn't have a rewards limit, so you can earn cash back on all of your purchases. It has a tiered structure, so even purchases that are not on Amazon can still earn you some cash back. 

Does anyone can get the Amazon card?

you’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration.

Can you get pre approved

There is no pre approval option for the Amazon Prime Rewards card. This means that you’ll need to complete a full application and this will trigger a hard pull on your credit.

What’s the initial credit limit I'll get?

The Amazon Prime Rewards card has a minimum initial credit limit of $500. The exact amount can be much higher but it mainly depends on your credit score.

How long does approval take?

If you don’t get an instant decision after you submit the online application form for the Amazon Prime Rewards card, you may be waiting two to four weeks.

What are the top reason not to get the Amazon card?

The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless Card review 2019

On Chase Secure Website / Terms Apply

Marriott Bonvoy Boundless® Credit Card

Reward details

1x – 17X up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases

Current Offer

5 Free Nights 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

19.74%–26.74% Variable

On Chase Secure Website / Terms Apply

If you're using Marriot frequently or looking for a decent hotel card, the Marriott Bonvoy Boundless® Credit Card may be a perfect match for your needs. 

It offers up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases and a very attractive sign up bonus of 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases. 

However, the card charges $95 annual fee and doesn't offer 0% intro.

  • Rewards Plan: up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases
  • APR: 19.74%–26.74% Variable
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 0%
  • Sign Up bonus: 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases
  • 0% APR Introductory Rate period: None
  • Sign-up bonus of points:
  • Sign-Up Bonus
  • Annual Reward
  • Ongoing Points Rewards
  • Transfer to Airline Points
  • Automatic Silver Status
  • Chase Restrictions
  • Confusing Rewards
  • Annual Fee
  • No 0% Intro

United Explorer Card

united explorer

On Chase Website, Terms Apply

United Explorer Card

Reward details

1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases

Current Offer

50,000 miles 50,000 miles after spending $3,000 on purchases in the first 3 months your account is open

Credit Rating

Good – Excellent

Annual Fee

$95 ($0 first year)

0% Intro

N/A

APR

20.24%–27.24% Variable

On Chase Website, Terms Apply

The United Explorer Card is a Visa credit card issued by Chase that is an airline-branded card issued by United Airlines. This card is exclusively for United Airlines frequent fliers, and it comes with fantastic perks that make the cardholder's overall travel experience less expensive and much less stressful.

With the United Explorer card, you can earn 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases. Miles accumulated through use of this card do not expire as long as the account is active. The card has an annual fee of $95 ($0 first year).

  • Rewards Plan: 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
  • APR: 20.24%–27.24% Variable
  • Annual fee: $95 ($0 first year)
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 0%
  • Sign Up bonus: 50,000 miles after spending $3,000 on purchases in the first 3 months your account is open
  • 0% APR Introductory Rate: N/A
  • Free Checked Bag & Priority Boarding
  • Annual United Club Passes
  • No Foreign Transaction Fee
  • Mileage Rewards & Sign-Up Bonus
  • Annual Fee
  • Balance Transfer Fee
  • High APR for purchases

What are the card income requirements?

Chase does not disclose any minimum income requirements. However, Chase will use your income to determine your credit limit, which may require proof of income.

Should you move to the Explorer card?

If you’re a frequent flyer with United, the Explorer card will offer some great rewards. If you’re currently not getting good travel rewards and you want to make the most of your travels, these cards do represent a good option.

What's the rewards limit?

There is no cap on how many miles you can earn in any statement year. 

What are the top reasons not to get it?

The Explorer card are specifically designed to offer great rewards for United travel. This does mean that there are not great rewards for other purchases. So, if you’re looking for an all round card for every day purchases, this card are not the right choice for you.

What is the initial credit limit?

The starting credit limit for the United Explorer is $3,000. However, depending on your credit limit and income, your initial credit limit may be higher

The World of Hyatt Credit Card

World of Hyatt

On Chase Website, Terms Apply

The World of Hyatt Credit Card

Reward details

1X – 4X 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases

Current Offer

30,000 points 30,000 points after you spend $3,000 on purchases within the first 3 months of account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

19.74%–26.74% Variable

On Chase Website, Terms Apply

If you like the Hyatt network or tend to visit places where its network covers, the World of Hyatt card is ideal for saving money on hotel accommodations.

Cardholders earn 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases. In addition, you can also get an early check-in and a late checkout. This makes hotel stays much more enjoyable, as well as a nice welcome bonus.

It's also a good card for people who want a card they can use anywhere to get free hotel stays and upgraded rooms. However, in order to offset the annual fee ($95) and receive the benefits advertised by the card, you must stay in Hyatt hotels several times per year.

  • Rewards Plan: 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases
  • APR: 19.74%–26.74% Variable
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5% (whichever is greater)
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 30,000 points after you spend $3,000 on purchases within the first 3 months of account opening
  • 0% APR Introductory Rate: None
  • Travel Rewards & Welcome Bonus
  • One Free Night Every Year
  • Monthly Bonus Category
  • Discoverist Status
  • Annual Fee
  • No Discounts For Multi-Night Stays
  • Better For Off Season

Does the Hyatt card have a point rewards limit?

There is no points reward limit on either card, but there is an introductory offer with either card that requires you meet a spending limit to get bonus points. 

Can I get car rental insurance?

No, the World of Hyatt card does not offer a car rental insurance.

Can I redeem for flights with airline partners?

World of Hyatt is partnered with 25 airlines including Delta SkyMiles, American Airlines AAdvantage, and British Airways Executive Club. Generally, the transfer rate is a 5:2 ratio. This means that 5,000 points is worth 2,000 of the airline miles, but this can vary depending on the airline miles program

Can I get pre approved?

Typically, Chase does not have pre approval for its cards including the World of Hyatt card. This means that when you complete the online application form, it will trigger a hard credit search.

Does it offer flight cancellation insurance?

No, the World of Hyatt card  doesn't offer flight cancellation/interruption or delay insurance. 

What are the top reasons not to get it?

If you don’t typically care what hotel you stay in when you are on vacation, you’ll find this card a bit restrictive. In this scenario, you would be better off with a miles or other type of rewards card that allows you to redeem your rewards for flights, hotel stays and other travel perks.

How to Compare Chase Credit Cards

The Different Chase Credit Card Types

Chase offers a number of card options in a variety of categories.

1. Rewards

Chase has numerous reward card options. These offer generous rewards for your every day spending. The options include: 

chase_sapphire_preffered

Chase Sapphire Preferred (Best for value for money)

While the Chase Sapphire Preferred card has a $95 annual fee, it's one of the best cards available in the market that can be relevant mainly for everyday purchases but also for travel. You can also receive 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The attractive rewards plan includes 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases .

Chase Sapphire Reserve (Best for travel)

The Chase Sapphire Reserve card has a higher annual fee ($550), but if you travel a lot  – you may cover this fee since the card offers a lot of benefits and special perks for travelers.

You can earn 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases. Additionally, new cardholders get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

2. Cash Back Cards

In addition to point rewards, Chase offers some great options for cash back cards:

Chase Freedom Flex

Chase Freedom Flex℠ (Best for Rotating Categories)

This offers the same introductory bonus and 0% APR intro rate. However, the reward categories are a little more flexible. You can earn 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases.

chase freedom unlimited card

Chase Freedom Unlimited (Best for everyday spending with no annual fee)

The Chase Freedom Unlimited card has no annual fee and provides 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases.

There is also a  introductory bonus of additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back and 0% APR for 15 months on purchases and balance transfers. This makes it a great option for those who enjoy travel, but also want to earn rewards in other categories.

3. Airline Cards

Airline cards are a great option for frequent travelers. Chase is partnered with more airlines to provide some great rewards on your travel.

united explorer

United℠ Explorer Card

The United℠ Explorer Card is a Visa credit card issued by Chase that is an airline-branded card issued by United Airlines. This card is exclusively for United Airlines frequent fliers, and it comes with fantastic perks that make the cardholder's overall travel experience less expensive and much less stressful.

Cardholders earn 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases, as well as a sign up bonus of 50,000 miles after spending $3,000 on purchases in the first 3 months your account is open. There is no foreign transaction fee, but there is an annual fee of $95 ($0 first year).

Southwest Rapid Rewards Plus

Southwest Rapid Rewards Plus

 The Southwest Rapid Rewards Plus offers 2X points on Southwest purchases, Southwesthotel and car rental partners, local transit and commuting (including ride-shares),internet, cable, phone and select streaming services, and 1X points on all other purchases.

New account holders can earn up to 40,000 points after spending $1,000 on purchases during the first three months. Also, cardholders get special perks such as free first two checked bags and two EarlyBird Check-In®s per year. The Annual fee is $69 .

united infinite card

United Club℠ Infinite Card

The United Club℠ Infinite Card is a luxury travel card for United frequent  flyers. There are many rewards and perks available, while the basic rewards model includes 4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases.

Additional perks include automatic Platinum Elite status with the IHG portfolio of properties, access to United Club and Star Alliance Lounges, free first and second checked bags on United flights, and a fee credit of up to $100 for Global Entry or TSA PreCheck.Also, there is a sign up bonus of 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

However, potential cardholders should  make sure they can cover the high annual fee ($525).

4. Hotel Cards:

If your travel is road based and involves hotel stays rather than flights, Chase has some great hotel card options.

Marriott Bonvoy Boundless Card review 2019

Marriott Bonvoy Boundless

The Marriott Bonvoy Boundless card is one of the best hotel cards, especially if you're a Marriot fan. While it has $95 annual fee, it allows you to earn unlimited Marriott Bonvoy points to earn free stays. You’ll earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases.

New cardholders can also accumulate $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

World of Hyatt

World of Hyatt

Chase World of Hyatt card is another decent hotel card with many perks and options to earn free nights. The basic rewards model includes 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases. The annual fee stands on $95.

Every year after your cardmember anniversary, you will receive one free night at any Category 1-4 Hyatt hotel or resort. In addition, if you spend $15,000 during your cardmember anniversary year, you will receive another free night. One of the most valuable perks offered by the best hotel credit cards is free night awards, and you can get up to two with this Hyatt card. Also, new cardholders get 30,000 points after you spend $3,000 on purchases within the first 3 months of account opening

IHG Rewards Club Premier

IHG Rewards Club Premier

The IHG Rewards Club Premier Credit Card offers a great rewards rate on all IHG purchases, as well as other fantastic benefits for IHG customers who travel frequently. IHG owns a large hotel chain that includes Holiday Inn, Crowne Plaza, StayBridge Suites, and others.

The card offers 10 IHG Rewards points per dollar spent on hotel stays with the IHG brand when you pay with your credit card, 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants and point per $1 spent on all other purchases, as well as a sign up bonus of 140,000 Bonus Points + one free night after making $3,000 in purchases with your card within the first 3 months of account opening. However, there is an annual fee of $99 .

5.  Membership Shopping Cards

In addition to the categories above, you can find cards that can be relevant for specific shopping habit such as Disney fans, Amazon shoppers and Starbucks loyal customers:

Amazon Prime Rewards Visa Signature Credit Card Review

Amazon Prime Rewards Visa

The Amazon card is one of the best shopping cards available, and if you're a freuwnt buyer on Amazon – it can be a great fit for your needs. 

Cardholders can enjoy 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases. Also, new cardholders can earn Up to $150 Amazon gift card upon approval. The annual fee is $0 ($139 per year Amazon Prime Membership Fee required).

Disney® Premier Visa® Card

Disney® Premier Visa® Card

The Disney® Premier Visa® Card is designed for people who are passionate about Disney and want to receive benefits related to Disney locations and merchandise. The Disney Premier Visa may be a good card for those who want to redeem their rewards primarily for Disney properties such as Disney locations, movies, and merchandise.

The card offers 2% in Disney Rewards Dollars on card purchases at grocery stores, restaurants, gas stations and most Disney locations, 1% on all your other card purchases, while earned rewards can be applied to Disney vacations, Disney movies, and other purchases. The annual fee is $49, and new cardholders can get $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.

Chase also offers a number of business card options.

What Credit Score Will You Need For Chase Credit Cards?

Your credit score is a crucial factor when applying for any card. Since they offer generous rewards, the top Chase credit cards typically require a good or excellent score to qualify. This means that you will need 690 or more to apply.

The most obvious exception to this is the Freedom Student card. Since this card is designed to help students to build their credit and enjoy rewards, it has more flexible requirements. This card is typically offered with a modest limit initially, but you can earn a credit limit increase after you make five monthly payments on time. Chase will even reward you with a $20 bonus on each account anniversary up to five years.

One feature that makes Chase stand apart from many other card issuers is that the bank offers access to view your free credit score. You can log into your account and enjoy 24/7 access, so you can monitor your score and make informed choices about which cards will be available to you.

How Do Chase Points Reward Offers Work?

Some Chase cards offer points rewards rather than a percentage of cash back. This type of reward works on the same principle as cash back. You’ll receive a specific number of points for purchases in certain categories. So, you could earn 1 to 5 points for each $1 you spend.

In many cases, you can also redeem your points as statement credit or a check. However, the specialized cards typically offer greater incentives when spending your points. For example, the hotel cards allow you to exchange your points for free nights stays, while the airline cards allow you to claim free travel.

This can be more appealing for those who enjoy specific activities or brands. So, if your family loves Disney, the prospect of earning Disney dollars for your spending could be very attractive. Alternatively, if you can’t live without your daily Starbucks coffee, the Starbucks card allows you to earn bonus points on your Starbucks purchases. You’ll also earn Barista Picks at participating stores 8 times per year. So, you can enjoy specially chosen food and drink items.

 

Chase Redemption Options 

Chase offers some great redemption options for your cash back and rewards. From statement credit and check payments to gift cards and online spending. There are even specific redemption options for specialist cards, to maximize your rewards. You can simply choose the redemption option that best suits your current requirements.

However, what makes Chase interesting is that the bank maintains a cash back calendar for cardholders to earn 5% cash back in certain categories each quarter. You’ll earn the cash back on eligible categories within rotating categories with a list of merchants that change each quarter.

The great thing is that you don’t have to activate the categories before the start of the quarter. You can activate quarter one from December 15 right up to March 14. All you need to do is click “Activate Now” on the categories page when you log into your account. Additionally, you can still earn 5% cash back even if you forgot to activate before you made a purchase, providing you activate before the quarter deadline.

How to Maximize Chase Rewards?

If you want to maximize your Chase rewards, one of the best options is to transfer your points to one of the list of travel partners. The list of Chase travel partners includes over a dozen hotel and airline programs. This includes:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • JetBlue TrueBlue
  • Emirates Skywards
  • Southwest Airlines Rapid Rewards
  • Virgin Atlantic Flying Club
  • United Airlines MileagePlus
  • World of Hyatt
  • IHG Rewards Club
  • Marriott Bonvoy

You’ll receive a 1:1 ratio with increments of 1,000 points. While the value of the partner points will vary, generally, you may get 2 cents per point when you redeem for award flights.

For example, if a business class one way flight from LA to New York on United Airlines costs $725, you may be able to get the same flight for 38,000 points. This equates to 1.9 cents for each point if you transfer to United Miles.

Another option to maximize your rewards is to use them to book hotels, rental cars, or experiences directly through the Ultimate Rewards portal. You can simply search for your dates to see the cash prices and corresponding cost in points for almost every major hotel group, car rental company, or major airline.

The per point value when you redeem through the portal will depend on your specific credit card, but you can get as much as 1.5 cents per point.

As an example, if a hotel room would cost you $199 in cash, you can book it for 15,920 points if you have a Chase Sapphire Preferred card.

You can also use your points for Apple or gift card purchases, but this may not be your best use of points. You’re likely to get a flat rate of 1 cent per point. However, if you’re not interested in travel, this can be a good way to get gift cards for your favorite brands.

Other Benefits of Having a Chase Card

In addition to offering rewards and the reassurance of the Chase brand name, there are some other benefits of having a Chase card. These include:

  • Travel Insurance: Many Chase travel cards also offer you travel insurance. This can provide compensation for rental car collision damage, flight cancelations, and emergency care abroad. Check your cardmember agreement to check the redeeming protections practices and eligibility.
  • Travel Upgrades: Some cards also offer flight and hotel room upgrades. You may also enjoy free checked bags, complimentary in flight meals, or hotel breakfasts.
  • Theft and Damage Protection: While most retailers offer insurance, if this doesn’t apply to your purchase, you may be able to obtain theft and damage protection through your Chase credit card. You will need to have purchased the item using your credit card and meet the card requirements. However, Chase can provide information on eligibility and guide you through filing a claim.
  • Fraud Protection: Fraud is a major concern for many people today, particularly when you are making online purchases. Many Chase cards offer fraud protection, so you can enjoy protection against unauthorized activity on your account.
  • Price Protection: You may also enjoy price protection with your Chase card. This allows you to receive a reimbursement if an item you recently purchased is discounted in price.
  • Return Protection: If a retailer does not offer reimbursement, you may be able to obtain return protection with your Chase card. However, there may be limitations or exclusions depending on your cardholder agreement.

How Many Chase Credit Cards Can I have at One Time?

Chase doesn’t actually publish their official rules on how many cards you can have at one time. There are a number of factors that will influence Chase’s decision. You may be restricted by the amount of credit Chase is willing to extend, your income, debt level and credit score.

It is not unusual for consumers to have five or six Chase cards. However, there are some unofficial rules that will influence whether you will receive approval for multiple cards. For example, it is unlikely that you will be approved for more than two Chase cards in 30 days. If you require a business card, you may only receive approval for one personal and one business card in a 90 day period.

Like most lenders, Chase is sensitive to multiple, recent applications. So, it is a good idea to space out your applications to every 3 to 6 months. Additionally, Chase may not approve your application if you’ve opened 5 or more cards from different banks within the last 24 months.

How Do I Cancel a Chase Credit Card?

Chase allows you to cancel your card by calling the Chase toll free number or signing on to your account online. Within your personal account, you can select the Credit card section and select the card you want to cancel. You will then need to fill in a brief reason why you would like to cancel the card.

Remember, you will need to pay any outstanding balance before you cancel the card. It is also a good idea to use or transfer all your current points, or you will lose them. Within a short time, you’ll receive a message confirmation, and you should have an email within 24 hours. This is usually a standard email letting you know Chase is sorry you want to close your card account and confirming your request has been actioned.

Then it’s done; your Chase credit card is canceled.

Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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