Choosing the right credit card can help you maximize everyday purchases and long-term spending.
Chase offers a diverse lineup of credit cards tailored to various needs including rewards, travel perks, cashback options, and business-related expenses.
Each card comes with different benefits, making it easier for you to find one that suits your lifestyle and financial goals.
Top Chase Credit Cards for Travel
Travel-related expenses can quickly add up. Chase travel cards offer competitive rewards and valuable perks to make global travel more affordable.
Chase Sapphire Preferred® Card
This card remains a leading option for travelers.
- Welcome Bonus: Earn 100,000 points after spending $5,000 in the first 3 months
- Points Value: Redeem for 25% more when booking travel via Chase Ultimate Rewards®
- Rewards Rate: 5X points on travel through Chase Travel, 3X on dining, 2X on other travel, 1X on all other purchases
- Additional Perks: Trip cancellation insurance, purchase protection
- Annual Fee: $95
- APR: 19.99% – 28.24% variable
Chase Sapphire Reserve®
Ideal for frequent flyers seeking luxury perks.
- Welcome Bonus: 60,000 points after qualifying spend
- Redemption Value: 50% more through Chase Ultimate Rewards®
- Rewards Rate: 3X on travel and dining
- Benefits: $300 annual travel credit, Priority Pass access
- Annual Fee: $550
- APR: 22.49% – 29.49% variable
United℠ Explorer Card
Designed for loyal United Airlines travelers.
- Welcome Bonus: 80,000 miles
- Rewards Rate: 2X on United purchases, dining, and hotel stays
- Perks: First checked bag free, priority boarding
- Annual Fee: $0 first year, then $95
- APR: 21.99% – 28.99% variable
Best Chase Credit Cards for Cashback
For those focused on getting money back on purchases, cashback cards from Chase provide practical benefits without complex point systems.
Chase Freedom Unlimited®
This flat-rate cashback card is versatile and easy to manage.
- Welcome Bonus: $250 after spending $500 in the first 3 months
- Cashback Rate: 1.5% unlimited on all purchases
- Additional Perks: 5% on travel via Chase, 3% on dining and drugstores
- Annual Fee: $0
- APR: 20.49% – 29.24% variable
Chase Freedom Flex℠
A rotating rewards card with excellent cashback opportunities.
- Welcome Bonus: $200 after $500 spend in 3 months
- Cashback Rate: 5% on quarterly rotating categories (activation required), 3% on dining and drugstores, 1% on all other purchases
- Annual Fee: $0
- APR: 18.99% – 28.49% variable
Prime Visa (Amazon)
Perfect for Amazon Prime users.
- Welcome Bonus: $100 Amazon gift card upon approval (with Prime membership)
- Cashback Rate: 5% at Amazon.com, Whole Foods, Chase Travel; 2% at restaurants, gas, and transit; 1% elsewhere
- Annual Fee: $0
- APR: 19.49% – 27.49% variable
Best Chase Credit Cards for General Rewards
Earning flexible rewards across categories helps you build value over time.
Chase Ink Business Preferred®
Tailored for business owners.
- Welcome Bonus: 100,000 points after spending $8,000 in 3 months
- Rewards Rate: 3X points on travel, shipping, internet, cable, and social media ads
- Annual Fee: $95
- APR: 21.24% – 26.24% variable
Applying for a Chase Credit Card
Application is simple when done through the official website. Have your details ready.
Application Requirements
To qualify, applicants must:
- Be at least 18 years old
- Have a good to excellent credit score (670–850)
- Show proof of stable income
- Provide contact info, SSN, employment status, and financial details
How to Apply Online
Applying for a Chase credit card online is quick, secure, and can be done in just a few steps:
- Step 1: Visit the Official Chase Credit Card Page: Go to the Chase credit card website and browse the available card options. You’ll find detailed descriptions of each card’s features, fees, and rewards.
- Step 2: Select a Card and Click “Apply Now”: Once you’ve chosen the card that fits your needs, click the “Apply Now” button. This will take you to a secure application form.
- Step 3: Enter Your Personal and Financial Information: Fill out the application with your full name, home address, Social Security number, employment details, annual income, and monthly housing payment. Be accurate, as this information helps determine your approval.
- Step 4: Review Terms and Submit Your Application: Carefully review the card’s terms and conditions, including interest rates and fees. Once you’re ready, check the agreement box and submit your application for processing.
- Step 5: Wait for a Decision: Most applicants receive a decision within a few minutes. In some cases, Chase may request additional information or take more time to review your application.
Other Application Methods:
- Phone: Call 1-800-935-9935
- In-Person: Visit a local Chase branch with ID, proof of income, and address verification
Interest Rates and Fees
Understand the costs tied to each card.
- APR: Typically ranges from 18% to 29% based on creditworthiness
- Balance Transfers: Fees vary from 3% to 5%
- Late Payments: Fees can reach up to $40
Credit Card Management Tools
Chase offers easy-to-use tools to help you stay on top of your credit card activity. You can manage your account through the Chase Mobile® app or by logging into the Chase website from your computer.
These platforms let you monitor your current balance, track your recent transactions, and schedule one-time or recurring payments to avoid missed due dates.
You can also set up custom alerts to get notified of purchases, upcoming payments, or potential fraud. These tools are designed to give you full control and visibility over your spending, all in one convenient place.
Comparison: Chase vs Capital One
Evaluate key differences to help you decide.
| Feature | Chase | Capital One |
| Travel Perks | Sapphire Reserve®, Priority Pass | Venture X®, Capital One Lounge |
| Reward Portal | Ultimate Rewards® (50% boost) | Capital One Travel |
| Transfer Partners | 14+ worldwide | 15+ worldwide |
| Cashback | Freedom Cards, Prime Visa | Quicksilver, Savor |
FAQs About Chase Credit Cards
Here are quick answers to common questions about using and managing Chase credit cards.
- How many Chase cards can I hold? Approval is unlikely after 5 cards in 24 months (“5/24 Rule”)
- Can I combine points? Yes, Ultimate Rewards® points can be pooled across cards
- Good for Amazon purchases? Yes, especially with Prime Visa
- Where to manage account? Use Chase website or mobile app
Contact Information
For any inquiries or assistance, you can reach Chase through the following contact methods.
- Customer Service: 1-800-432-3117
- International Support: 1-302-594-8200
- Business Cards: 1-888-269-8690
- Mailing Address: P.O. Box 15298, Wilmington, DE 19850
Conclusion
Chase credit cards provide strong benefits across multiple categories. Whether you aim to save money, travel more efficiently, or earn rewards for everyday purchases, there is a Chase card to match your financial goals.
Evaluate each option carefully and apply with confidence.
Disclaimer: Card terms and rates are subject to change. Visit the official Chase site for current information. Always review terms and conditions before applying.
