The best Chase credit cards to add to your wallet

Chase bank cards have at all times held a particular place in my coronary heart — and my pockets. My very first bank card, the United℠ Explorer Card (see rates and fees), was a Chase product, and it launched me to the world of factors and miles.

I am going to always remember the way it felt to redeem miles I would earned with the cardboard for the primary time or the journey I took: a last-minute journey with buddies to Moab, Utah, that on the time I by no means would have been in a position to afford in any other case. It opened up my eyes to what was doable with bank cards, and from that second on, I used to be hooked.

Since taking that card out 12 years in the past, my assortment has expanded to incorporate 11 Chase playing cards, every enjoying a novel function in my pockets.

If I had been to begin another time, I would in all probability select a different card for my first, however I can confidently say that anchoring my factors and miles technique with Chase bank cards has been a choice that is helped me see extra of the world over the past decade than I ever may have dreamed.

Whether or not your objective is to earn factors and miles for journey, gather money again or entry perks that can improve your journey expertise, Chase has a card to fulfill your wants. Listed below are our prime picks.

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Standout advantages: The Chase Sapphire Most popular has lengthy been one of the vital widespread journey bank cards on the market — and for good purpose. Between its incomes charges and perks, it is a point-earning workhorse. Plus, it is presently sporting a 100,000-point welcome bonus that is extremely profitable since Chase Ultimate Rewards factors will be transferred to a variety of resort and airline companions.

I like transferring points earned with my Chase Sapphire Preferred to Hyatt to e book luxe resort stays. A few of my favourite latest redemptions have been 4 nights at Alila Ventana Massive Sur in California, which was a part of my honeymoon, and an extended weekend keep at Andaz Maui at Wailea Resort in Hawaii.

However past the bonus, the cardboard’s incomes charges have cemented its everlasting place in my pockets. It earns 3 factors per greenback spent on eating, which is a significant class for me because it covers every thing from the positive eating eating places I like making an attempt out when touring to the meals vans I frequent in my residence metropolis of Portland, Oregon, to the espresso store I go to each day with my canine.

Associated: I have the Chase Sapphire Preferred — which card should I get next?

It additionally earns 3 factors per greenback spent on on-line groceries, which is my most well-liked technique of buying cumbersome gadgets like canned beans and child formulation, (excludes Walmart, Goal and wholesale golf equipment).

This card additionally contains at the least one 12 months of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and regardless that I do not order supply steadily, it is easy to get worth from the membership, which cuts down on the charges related to every order.

For extra particulars, see our full review of the Chase Sapphire Preferred Card.

Apply right here: Chase Sapphire Preferred Card

Chase Freedom Limitless

Welcome supply: Earn $250 money again after you spend $500 on purchases inside the first three months of account opening.

Annual charge: $0.

Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.

It earns at the least 1.5% money again — or 1.5 factors per greenback once you pair this card with an Final Rewards-earning product (extra on that beneath) — on all purchases, together with people who fall outdoors one in every of its bonus classes. This implies it is an ideal selection for many who need to earn a strong cash-back fee with out monitoring their spending throughout numerous classes.

That is a pleasant proposition, but it surely’s not the rationale I’ve spent years shouting about this card from the rooftops. Whereas the Freedom Limitless is marketed as a cash-back card, that means it does not supply the flexibility to switch factors to Chase’s airline and resort companions, that each one adjustments in case you additionally maintain a card that earns Chase Final Rewards factors.

Those that have the Chase Sapphire Preferred, the Chase Sapphire Reserve or the Ink Business Preferred can mix the rewards from the Freedom Limitless with these of their different accounts, immediately making them transferable — and far more invaluable.

Utilizing this technique, I successfully earn 1.5 Final Rewards factors per greenback spent with the Chase Freedom Limitless in classes the place I would earn simply 1 level per greenback with a special card. That is a 50% enhance in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual charge.

Since there isn’t any annual charge required to carry the Freedom Limitless, I like to recommend it to everybody who already has a card that earns Final Rewards factors to allow them to construct up their factors stash.

It’s also possible to get Chase playing cards within the reverse order. Prior to now, I’ve really helpful the Freedom Limitless as a stepping-stone product to family and friends members who might not but have the credit score rating or historical past wanted to safe a Sapphire card.

For extra particulars, see our full review of the Chase Freedom Unlimited.

Apply right here: Chase Freedom Unlimited

Ink Enterprise Limitless Credit score Card

Welcome supply: Earn $750 after you spend $6,000 on purchases inside the first three months of account opening.

Annual charge: $0.

Standout advantages: Consider this card because the enterprise model of the Chase Freedom Limitless. It earns 1.5% money again throughout all purchases, making it a easy and user-friendly choice for enterprise homeowners of all stripes.

Like its shopper counterpart, it is best leveraged as a part of a duo with an Final Rewards-earning card, as that can unlock the flexibility to transform the money again it earns into transferable factors. I like transferring my factors to packages like British Airways, which has a distance-based award chart that permits me to e book economic system Alaska Airways flights up and down the West Coast at very affordable charges.

I used to be thrilled to see Chase add a product like this one to its enterprise lineup. Whereas many enterprise bank cards supply bonuses in classes like journey, transport and promoting, there are such a lot of enterprise bills that do not fall below these umbrellas.

Prior to now, I’ve used this card for bills associated to constructing and sustaining a web site and e-mail record, in addition to for software program platforms like Zoom.

For extra particulars, see our full review of the Ink Business Unlimited.

Apply right here: Ink Business Unlimited Credit Card

Ink Enterprise Most popular Credit score Card

Welcome supply: Earn 90,000 factors after you spend $8,000 on purchases inside the first three months of account opening.

Annual charge: $95.

Standout advantages: The Ink Enterprise Most popular is a heavy hitter within the enterprise card class due to nice incomes charges, a hefty welcome bonus and an affordable annual charge.

It earns 3 factors per greenback spent on the primary $150,000 spent in mixed purchases every year on a variety of enterprise classes, lots of that are extensively helpful.

For instance, I like utilizing the cardboard to earn 3 factors per greenback spent on journey, a class that features every thing from airfare and resorts to taxis and parking tons. Even when your small business does not particularly relate to journey, making the most of this incomes fee on purchases which might be travel-adjacent can assist you maximize your spending.

The Ink Enterprise Most popular can also be my go-to card for incomes bonus factors on web, cable and telephone companies, which may apply to nearly each enterprise.

I initially took out this card to help a contract writing enterprise, for which web entry was important. Later, as I moved into journey consulting, I jumped on the chance to earn further factors on promoting purchases with social media websites, netting 3 factors per greenback spent to spice up posts on Instagram.

The Ink Enterprise Most popular sports activities a hefty welcome bonus of 90,000 factors, and whereas the spending requirement is excessive at $8,000 over three months, if your small business can help that stage of spend, it is a proposal you do not need to miss.

Within the final couple of years, I’ve transferred fewer than 90,000 factors to Chase companions like Air Canada and United Airways to e book business-class flights to Japan and Tahiti, respectively.

For extra particulars, see our full review of the Ink Business Preferred.

Apply right here: Ink Business Preferred Credit Card

Chase Sapphire Reserve

Welcome supply: Earn 60,000 factors after you spend $5,000 on purchases inside the first three months of account opening.

Annual charge: $550.

Standout advantages: When the Sapphire Reserve first launched in 2016, I jumped on the probability to get it. I used to be instantly attracted by options just like the $300 journey credit score, which I at all times discovered extraordinarily straightforward to make use of, and the beneficiant incomes fee of three factors per greenback spent on journey and eating, two of my greatest spending classes.

Whereas I in the end determined the Sapphire Preferred was a greater match for my particular wants, I did maintain the Reserve for a few years and located so much to like about it.

Specifically, I beloved the flexibility to get 50% extra worth when redeeming factors for journey by Chase Journey. When you’ll typically get higher worth when transferring your factors to resort or airline companions, I discovered many instances the place the elevated portal redemption fee saved me factors over doing a switch.

Reserving this fashion additionally allowed me to earn factors on the flights I took, serving to me earn elite standing on each United Airways and American Airways for a number of years.

Associated: Amex Platinum vs. Chase Sapphire Reserve: Which $550-plus card is right for you?

Better of all, utilizing Chase Journey helped me get respectable worth on flights and resorts when good switch choices weren’t out there. For instance, I leaned closely on the portal when reserving flights and resorts in Ushuaia, Argentina, earlier than setting sail on a cruise to Antarctica.

I additionally beloved utilizing the Sapphire Reserve for main rental automotive insurance coverage whereas touring. If you happen to decline the rental firm’s collision insurance coverage, Chase gives reimbursement of as much as $75,000 for theft and collision injury for many rental automobiles within the U.S. and overseas.

This profit gave me peace of thoughts whereas on highway journeys in locations like Eire and Scotland, the place I needed to drive on the left facet of the highway, and the Azores, the place we drove over some rocky terrain.

For extra particulars, see our full review of the Chase Sapphire Reserve.

Apply right here: Chase Sapphire Reserve

Southwest Fast Rewards Precedence Credit score Card

Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases inside the first three months of account opening.

Annual charge: $149.

Standout advantages: Southwest is a switch associate of Chase Final Rewards, that means you do not particularly want a Southwest card to earn factors that can be utilized for flights on the airline; most of the playing cards on this record will do the trick. However there’s one thing to be stated concerning the different advantages of the Southwest Fast Rewards Precedence Credit score Card and their influence in your flying expertise.

The cardboard has some key options that may make your journey day far more stress-free. For starters, 25% again on inflight purchases can assist you entry discounted Wi-Fi to care for any last-minute journey particulars or get pleasure from a reduced glass of wine. In the meantime, 4 upgraded boardings per 12 months can assist you beat the boarding chaos and offer you further time to get settled.

Plus, the cardboard comes with further options that assist offset the annual charge — after which some. It comes with a $75 annual Southwest journey credit score and seven,500 factors every year in your cardmember anniversary, each of which can get you nearer to your subsequent journey.

For me, that is typically a visit to see a live performance or sporting occasion in Las Vegas or to discover nationwide parks in Arizona, Colorado and past.

The Southwest Fast Rewards Precedence card additionally comes with a ten,000-point qualifying increase every year for Southwest’s coveted Companion Pass, which lets you designate a journey companion to fly in your itineraries for simply the worth of taxes and charges, whether or not you e book with money or factors.

For extra particulars, see our full review of the Southwest Rapid Rewards Priority card.

Apply right here: Southwest Rapid Rewards Priority Credit Card

Ink Enterprise Money Credit score Card

Welcome supply: Earn as much as $750 money again: $350 money again after you spend $3,000 on purchases inside the first three months of account opening and an extra $400 once you spend $6,000 on purchases inside the first six months after account opening.

Annual charge: $0.

Standout advantages: If you happen to’re a enterprise proprietor who prioritizes incomes money again — or desires the choice to transform money again into transferable journey factors by pairing an Final Rewards-earning card with a product just like the Ink Enterprise Money card — you are in the precise place.

My favourite characteristic of this card is that it earns 5% money again (or 5 factors per greenback spent in case you mix it with a card just like the Sapphire Preferred or the Sapphire Reserve) on the primary $25,000 spent in mixed purchases every anniversary 12 months at workplace provide shops and on web, cable and telephone companies.

It is easy to see how web and telephone companies are helpful for many enterprise homeowners. My computer-based freelance writing and journey consulting facet hustles have at all times relied on the web. However even my husband, who walks canine outdoors his nine-to-five, makes use of his telephone and the web for consumer communication and administrative work, resembling submitting taxes.

However the methods to capitalize on the workplace provide retailer bonus could also be much less apparent. Even in case you do not usually use conventional workplace provides in your line of labor, as is the case for each me and my husband, yow will discover plenty of worth right here in case you search for it.

Staples, for example, sells every thing from workplace furnishings to passport companies to Apple AirPods, and I’ve even bought meals there throughout the workday greater than as soon as. Its web site even has a bit you’ll be able to scope out titled “Sure, Staples has that” in case you’re not satisfied of this bonus class’s broad utility.

For extra particulars, see our full review of the Ink Business Cash card.

Apply right here: Ink Business Cash Credit Card

Chase Freedom Flex

Welcome supply: Earn $200 money again after you spend $500 on purchases inside the first three months of account opening.

Annual charge: $0.

Standout advantages: If there’s an unsung hero in my pockets, it is the Chase Freedom Flex. Whereas maximizing its incomes potential does take some cautious planning, to me, it is 100% price it for the payoff.

The Freedom Flex gives the chance to earn 5% money again on as much as $1,500 in mixed spending purchases in rotating quarterly bonus categories (after activation).

Meaning you should use it to earn 7,500 bonus factors per quarter or 30,000 factors per 12 months, which is fairly nice for a card with out an annual charge. That is very true since, like with the Chase Freedom Unlimited, the factors you earn with the Chase Freedom Flex will be transformed to transferable journey factors in case you additionally maintain an Final Rewards-earning card.

Whereas the bonus class for every quarter is not revealed very far upfront, I’ve usually discovered the classes extremely profitable.

For instance, since changing into a cardholder, I’ve seen eating places and grocery shops featured a number of occasions, each of that are massive spending classes for me. Chase has additionally used PayPal as a bonus class a number of occasions, and since so many on-line companies settle for it, your choices for incomes are practically limitless.

Not too long ago, a bonus on purchases at pet outlets and veterinary companies helped me earn so many factors throughout an emergency with my canine that I used to be in a position to e book a free hotel room in London.

For extra particulars, see our full review of the Chase Freedom Flex.

Apply right here: Chase Freedom Flex

Southwest Fast Rewards Plus Credit score Card

Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases inside the first three months of account opening.

Annual charge: $69.

Standout advantages: Whereas we love the Southwest Rapid Rewards Priority Credit Card, there’s one other inexpensive choice that additionally gives nice worth: the Southwest Fast Rewards Plus Credit score Card.

An annual charge of simply $69 will get you entry to most of the similar advantages, together with the 25% low cost on inflight purchases, the ten,000-point qualifying increase every year for the Companion Go and an incomes fee of two factors per greenback spent on classes like native transit and commuting, Fast Rewards resorts and automotive rental associate purchases, and choose streaming companies.

Each playing cards even have one other characteristic in frequent that can quickly turn out to be vital when Southwest ends its longtime bags-fly-free coverage: They will every permit you to check your first bag free of cost.

As a brand new mother who totes round plenty of child provides, this profit is extraordinarily enticing to me. With such a low annual charge, the cardboard would possible make sense for me primarily based on the bag perk alone.

For extra particulars, see our full review of the Southwest Rapid Rewards Plus card.

Apply right here: Southwest Rapid Rewards Plus Credit Card

Prime Visa

Welcome supply: Get a $100 Amazon reward card immediately upon approval (completely for Prime members).

Annual charge: $0, although this card requires a Prime membership.

Standout advantages: A favourite amongst Amazon fanatics, the Prime Visa is ideal for these with Amazon Prime accounts who spend steadily at Amazon and Entire Meals and need to earn money again reasonably than journey rewards (although the Prime Visa does allow you to earn an elevated reward fee on Chase Journey purchases since it is a Chase product).

It nets a profitable 3% money again at amazon.com and on purchases from Amazon Contemporary and Entire Meals Market, which covers just about something you possibly can presumably want, together with meals, family provides, clothes and presents. However the incomes fee will get much more spectacular if in case you have an eligible Prime membership, leaping to five%.

As a brand new father or mother, it looks like I flip to Amazon practically day by day for one factor or one other. Whether or not it is provides like diapers, wipes or formulation that I did not notice had been operating low or a last-minute outfit for a themed day at day care, I am on the location greater than I care to confess.

I can simply see how this card could be important in a family that values cash-back rewards over different reward currencies.

For extra particulars, see our full review of the Prime Visa.

Apply right here: Prime Visa

Associated: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

I did this a number of years again, downgrading my Chase Sapphire Reserve to the Chase Freedom Flex for the reason that Freedom Flex was higher suited to my spending wants on the time.

Ultimately, I settled on the Chase Sapphire Preferred as my main Final Rewards-earning card, and I’ve held it ever since.

Most popular rewards

Fascinated by what sort of rewards you’d prefer to earn is a superb place to begin for selecting a bank card. Do you need to preserve it easy with money again? Or, are you wanting to dive into the world of transferable journey factors?

Welcome bonus

Welcome bonuses are vital on the planet of bank cards, as they characterize your finest probability to earn a big sum of factors without delay. Additionally they fluctuate all year long: The Chase Sapphire Preferred, for instance, is presently providing its highest-ever bonus however just for a restricted time.

Spending habits

To get the absolute best return in your spending, you may need to take into account the place you spend most of your cash and select a card with a bonus on these classes.

For me, journey, eating and on-line grocery procuring are all main ones, which is why the Chase Sapphire Preferred and the Ink Business Preferred proceed to carry locations in my pockets 12 months after 12 months.

Annual charge

After all, you may additionally need to suppose by your finances and what, if something, you are keen to spend on bank card annual charges.

Chase gives a variety of choices, from $0 all the way in which as much as $550, so there’s one thing for everybody. Whereas getting greater than your cash’s price with any of those playing cards is actually doable, a premium providing solely is sensible in case you can maximize the cardboard’s advantages.

To study extra about how TPG evaluates and chooses playing cards to characteristic in our roundups, take a look at our methodology.

Your redemption choices will rely upon which card you go for. With the Southwest cobranded playing cards, it is vital to notice that you’re going to solely earn Rapid Rewards factors, whereas the Chase Sapphire Preferred, the Chase Sapphire Reserve and the Ink Business Preferred earn Final Rewards factors that may be transferred to a variety of airline and resort companions — Southwest included.

The Prime Visa, the Ink Business Preferred, the Ink Business Cash, the Chase Freedom Unlimited and the Chase Freedom Flex all earn money again in case you favor to earn money as a substitute of journey rewards. Nevertheless, the latter 4 playing cards have the flexibleness to transform these rewards to transferrable journey foreign money in case you even have a card that earns Final Rewards factors.

I personally select to earn journey rewards over money again since I journey steadily and really feel assured that I can get extra worth out of Final Rewards factors than money again.

Irrespective of the place you’re together with your bank card technique, Chase has a card that can fit your wants. Bank card inexperienced persons have glorious choices within the Chase Sapphire Preferred, the Chase Freedom Unlimited and the Chase Freedom Flex.

Frequent vacationers trying to find a premium card expertise can leverage the Chase Sapphire Reserve, whereas enterprise homeowners have a strong lineup to select from: the Ink Business Preferred, the Ink Business Unlimited or the Ink Business Cash.

Whichever card you choose, relaxation assured you could’t go mistaken. With helpful perks and protections, nice incomes charges and wholesome welcome bonuses, Chase playing cards are among the many most beneficial you’ll be able to have in your pockets.

Associated: Reasons the Chase Sapphire Preferred should be your next credit card