Credit Cards » Compare Credit Cards » Best Chase Credit Cards (February 2024)
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Best Chase Credit Cards (May 2024)

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.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
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.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

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Chase Bank serves nearly half of the households in the United States, providing an extensive range of products, including a diverse selection of credit cards. The Chase card portfolio features enticing benefits, such as a robust points program, generous spending rewards, and enticing sign-up bonuses. Notably, Chase is a prominent issuer of renowned store, hotel, and airline credit cards.

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

Card
Rewards
Bonus
Annual Fee
Best For

chase_sapphire_preffered

Chase Sapphire Preferred® Card
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 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

Chase Freedom Flex℠ Card
1-5%
$200
$0
Rotating Categories

chase freedom unlimited card

Chase Freedom Unlimited®
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
$200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
$0
No Annual Fee.

Chase Sapphire Reserve®
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining 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 visa

Amazon Prime Rewards Visa Signature
1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
$100 $100
$0 ($139 Amazon Prime subscription required)
Shoppers

Marriott Bonvoy Boundless Card review 2019

Marriott Bonvoy Boundless® Credit Card
1x – 6X 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.
3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
$95
Sign up Bonus
united explorer
United Explorer Card
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 you spend $3,000 on purchases in the first 3 months your account is open.
$95 ($0 first year)
Airline

World of Hyatt

The World of Hyatt Credit Card
1X – 4X 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
Up to 60,000 Bonus Points 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
$95
Hotel Rewards

Chase Sapphire Preferred® Card

chase_sapphire_preffered

Chase Sapphire Preferred® Card

Reward details

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 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

21.24%–28.24% variable APR

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 Travel, 3x points on dining, online grocery purchases and select streaming services. 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 Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
  • APR: 21.24%–28.24% variable APR
  • 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 Sapphire Preferred Credit Card on tropical beach
(Photo by Africa Studio/Shutterstock)

Chase Freedom Flex℠ Card

Chase Freedom Flex

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

20.49%–29.24% variable

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: 20.49%–29.24% 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 Flex redeem rewards on benefits and travel
Redeem Chase Freedom Flex rewards (Screenshot from Chase app)

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

$200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Credit Rating

Fair

Annual Fee

$0

0% Intro

15 months on purchases and balance transfers

APR

20.24%–28.99% variable

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 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..

Another benefit worth mentioning is the long 0% intro APR – 15 months on purchases and balance transfers (20.24%–28.99% 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: 20.24%–28.99% 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: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 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 Freedom Unlimited Deals and offers
Chase Freedom Unlimited Deals and offers (Screenshot from Chase app)

Chase Sapphire Reserve®

Reward details

1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining 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

22.49%–29.49% variable

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 and dining 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: 22.49%–29.49% 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 and dining 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
Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates
Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates (Screenshot from Chase app)

Amazon Prime Rewards Visa Signature

amazon prime visa

Amazon Prime Rewards Visa Signature

Reward Details

1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases

Current Offer

$100 $100

Credit Rating

Good – Excellent

Annual Fee

$0 ($139 Amazon Prime subscription required)

0% Intro

N/A

APR

19.49% – 27.49% Variable

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, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 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, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
  • APR: 19.49% – 27.49% Variable
  • Annual Fee: $0 ($139 Amazon Prime subscription required)
  • Balance Transfer Fee: $5 or 5%, whichever is greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: $100 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.

Amazon Prime Visa card overview
Amazon Prime Visa card overview (Screenshot from Chase app)

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless Card review 2019

Marriott Bonvoy Boundless® Credit Card

Reward details

1x – 6X 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.

Current Offer

3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

21.49%–28.49% variable

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 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases. and a very attractive sign up bonus of 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. 

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

  • Rewards Plan: 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.
  • APR: 21.49%–28.49% variable
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
  • 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
Book hotel stay with Marriot Bonvoy Boundless points
(screenshot taken by our team from Marriot website)

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 you spend $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

21.99% – 28.99% variable

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: 21.99% – 28.99% variable
  • Annual fee: $95 ($0 first year)
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 50,000 miles after you spend $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

United Airline Flight
United Airline Flight

Chase Slate Edge

Reward details

None

Current Offer

None

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

18 month on purchases and balance transfer

APR

16.49%-25.24% Variable

The Chase Slate Edge℠ is a no-annual-fee credit card designed to assist in debt repayment. It offers a 0% introductory APR for 18 month on purchases and balance transfer , with a variable APR of 16.49%-25.24% Variable thereafter. Notably, cardholders can annually lower their interest rate by 2% by spending at least $1,000 and making timely payments. The My Chase Plan feature allows fixed monthly fee payments for purchases instead of accruing interest.

Pros of the card include no annual fee, an extended 0% intro APR period, the ability to reduce the interest rate annually, and tools for credit building such as automatic credit limit reviews. However, it lacks a welcome bonus and does not earn rewards. The card imposes a 3% foreign transaction fee on purchases made abroad.

  • Rewards Plan: None
  • APR: 16.49%-25.24% Variable
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: None
  • 0% APR Introductory Rate: 18 month on purchases and balance transfer
  • No Annual Fee
  • Annual Interest Rate Reduction
  • My Chase Plan
  • Credit Building Tools
  • No Welcome Bonus Or Rewards
  • Foreign Transaction Fee
  • Balance Transfer Fee

Can I lower my interest rate with the Chase Slate Edge℠?

Yes, you can reduce your interest rate by 2% annually by spending at least $1,000 and making timely payments.

Can the card help build credit?

Yes, the card offers credit-building tools, including automatic credit limit reviews.

How can I access credit monitoring services with the card?

Cardholders gain access to credit monitoring services as part of the card's features.

What are the eligibility criteria for an automatic credit limit review?

An automatic credit limit review occurs after spending $500 in the first six months and making timely payments.

Is the Chase Slate Edge℠ suitable for ongoing rewards?

No, the card is more focused on debt consolidation and repayment rather than earning ongoing rewards.

The World of Hyatt Credit Card

World of Hyatt

The World of Hyatt Credit Card

Reward details

1X – 4X 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.

Current Offer

Up to 60,000 Bonus Points 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

21.49%–28.49% variable

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 on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 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 on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
  • APR: 21.49%–28.49% variable
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5% (whichever is greater)
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • 0% APR Introductory Rate: N/A
  • 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.

World of Hyatt Credit Card
(Photo by photobyphotoboy/Shutterstock)

Southwest Rapid Rewards Premier

Reward details

1X – 3X


3X points on Southwest® purchases,2X on Rapid Rewards® hotel and car partners, local transit and commuting, including rideshare, internet, cable, phone services, and select streaming and 1X points on all other purchases.

Current Offer

50,000 Points


50,000 points after you spend $1,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$99

0% Intro

N/A

APR

21.49%–28.49% variable

The Southwest Rapid Rewards Premier Credit Card occupies a mid-tier position within Southwest's credit card lineup. Despite the general limitations of airline credit cards, this particular card stands out for its absence of foreign transaction fees and a notableanniversary bonus points, which helps offset its $99 annual fee.

The card's earning structure earns 3X points on Southwest® purchases,2X on Rapid Rewards® hotel and car partners, local transit and commuting, including rideshare, internet, cable, phone services, and select streaming and 1X points on all other purchases.. The current welcome bonus includes 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening.

The simplicity of the redemption process for Southwest Rapid Rewards points, coupled with no change or cancellation fees, adds to its user-friendly appeal. However, the Southwest Premier's earning structure is focused on Southwest purchases, limiting its appeal, and its benefits. It also lacks premium travel perks you can find on general travel cards.

  • APR: 21.49%–28.49% variable
  • Annual fee: $99
  • Balance Transfer Fee: $5 or 5% (whichever is greater)
  • Foreign Transaction Fee: $0
  • Rewards Plan: 3X points on Southwest® purchases,2X on Rapid Rewards® hotel and car partners, local transit and commuting, including rideshare, internet, cable, phone services, and select streaming and 1X points on all other purchases.
  • Sign Up bonus: 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate period: N/A
  • Redemption Flexibility
  • EarlyBird Check-Ins
  • Companion Pass Eligibility
  • Limited Perks
  • Limited Bonus Categories Compared To Other Travel Cards
  • Lack of Travel Protections

How does the Companion Pass work with this card?

Points earned on the card contribute towards the qualifying points needed to earn the Southwest Companion Pass.

Can points be redeemed for merchandise or gift cards?

Yes, although the best value typically comes from using points for Southwest flights.

Are there any restrictions on the welcome bonus?

You cannot earn the bonus if you currently have any personal Southwest card or have earned a sign-up bonus on a personal Southwest card in the past 24 months.

Does the card offer travel protections?

While it offers some benefits, it has fewer travel protections compared to other Chase 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 travel 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 Travel, 3x points on dining, online grocery purchases and select streaming services. 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 and dining 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 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. 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, 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 you spend $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 frequent United flyers and is considered the most premium card of United. 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 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend 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 on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 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 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.