Chase offers a diverse and wide range of credit cards and most of the cards are known for lucrative signup bonuses, rewards, and airline miles to benefit a large user base. The best Chase credit cards issues some of the co-branded hotel, and airlines to redeem the points. In the credit card category it offers travel, cashback, and other small business cards for its customers.
Whether you want to travel to different parts of the globe or like to shop from the comfort of your couch, Chase has something for all. However, it is important to bear in mind that the best Chase credit cards require good to excellent credit card scores to keep going. So, if you have a fair credit score for now, just try to improve your credit score and then apply for the best Chase credit cards.
Table of Contents
Quick Overview – Best Chase Credit Cards for 2024
- Chase Freedom Unlimited® – Best overall card for straightforward earnings
- Chase Freedom Flex℠ – Best cashback card for quarterly spending
- Chase Sapphire Preferred® Card – Best travel reward card with low annual fee
- Ink Business Preferred® Card – Best travel reward card for small businesses
- Chase Sapphire Reserve® – Great for premium and luxurious travel rewards
Charting the Best Chase Credit Cards for 2024
| Card | Annual Fee | Reward Rate | Best For | Regular APR |
| Chase Freedom Unlimited® | $0 | 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining at restaurants and takeout, 3% on drugstores, 1.5% on all other purchases | Cashback | 20.49% – 29.24% |
| Chase Freedom Flex℠ | $0 | 5% cash back on rotating quarterly categories (activation required), 3% cash back on dining at restaurants and takeout, 3% on drugstores, 1% on all other purchases | Cashback | 20.49% – 29.24% |
| Chase Sapphire Preferred® | $95 | 2 points per $1 on travel and dining at restaurants worldwide, 1 point per $1 on all other purchases | Travel rewards | 21.24%- 26.24% |
| Ink Business Preferred® | $95 | 3 points per $1 on travel, 2 points per $1 on shipping purchased with select U.S. carriers (on up to $100,000 per calendar year, then 1 point per $1), 1 point per $1 on all other business-related purchases | Travel rewards | 22.49%- 29.49% |
| Chase Sapphire Reserve® | $550 | 3 points per $1 on travel and dining at restaurants worldwide, 1 point per $1 on all other purchases | Premium travel rewards | 22.49%- 29.49% |
Chase Freedom Unlimited®
| Welcome Bonus | Cashback match |
| Annual Fee | $0 |
| Regular APR | 20.49%-29.24% (Variable APR) |
| Required Credit Score | Good to Excellent (700-749) |
Why we have picked this as No. #1 among the best Chase credit cards ?
Chase Freedom Unlimited® offers the best bonuses across a wide range of categories. Being a no-annual-fee credit card, it offers unlimited unmatched cash back in the first year of the card opening. After meeting the minimum spending criteria, you can easily get bonus of several hundred dollars through this card. The greater you spend on this card , the more rewards you will be able to get which is up to 10% of the selected expenses.
Card Details
- Use this card for all purchases and get an unlimited cashback match at the end of the first year. There is no specific limit on how much cashback you can earn through this card. Every dollar in the cashback rewards you earn is a dollar Chase will match.
- Get unlimited 1.5% cash back on every purchase you make through this card
- Enjoy 3% cashback on various purchases that include dining, restaurants, drugstore purchases and much more
- With the top-ranked and one of the best Chase credit cards, you can earn 5% cashback on travel that is purchased through the Chase Ultimate Rewards
- The Premier reward program lets you redeem rewards for cashback, travel , gift cards and various other things
- By using Chase Freedom Unlimited® you get to enjoy 5% introductory APR for balance transfer and purchases for a period of 15 months and then a variable APR is applicable
- No minimum amount to redeem for the cashback. You can easily choose statement credit or direct deposit in various U.S. checking and saving accounts
- Comes with no annual fee and cashback rewards don’t expire as long as you have a bank account
- You can keep an eye on your credit health with free access to credit score
Chase Freedom Flex℠
| Welcome Bonus | $200 bonus and additionally 5% on gas and grocery stores |
| Annual Fee | $0 |
| Regular APR | 20.49%-29.24% (Variable APR) |
| Required Credit Score | Good to Excellent (700-749) |
Why we have picked this as No. #2 among the best Chase credit cards?
This is a multiple bonus reward card that offers the best of both worlds, a 5% rotating categories bonus and a fixed bonus on travel and dining. Apart from the cashback the card rewards are more complex to avail but with no annual fee you have to strive hard to earn greater value from this card. The pumped-up earning structure are good to cover a wide swath of expenses that includes dining, drugstore purchases, travel and much more. Being in the list of the best Chase credit cards , it’s a must have option to place in your wallet.
Card Details
- With one of the best Chase credit cards, you can easily earn $2000 bonus after making purchases of up to $500 in the first 3 months of account opening
- Get 5% cash back on combined purchases of up to $15,00 in each quarter
- Enjoy 5% cash back on travel that is purchased through Chase Ultimate Rewards®
- Being the top-notch option among the best Chase credit cards, it lets you easily redeem of rewards for cash back, gift card, travel, and more
- Get 3% cash back on drugstore, and dining at restaurants that includes takeout and delivery
- Enjoy unlimited 1% cash back on all the other purchases
- No minimum limit on the redemption of cashback. You can make a choice to receive statement credit or direct deposits to many U.S. checking and savings account
- Offers 0% introductory APR period for purchases and balance transfers for 15 months
Chase Sapphire Preferred® Card
| Welcome Bonus | 60,000 bonus points |
| Annual Fee | $95 |
| Regular APR | 21.49%-28.49% (Variable APR) |
| Required Credit Score | Good to Excellent (700-749) |
Why we have picked this as No. #3 among the best Chase credit cards?
Chase Sapphire Preferred® Card offers a rare mix of high reward rates with redemption flexibility in a total cost of $95. For all those who spend extravagantly on food and travel, this card deserves a special place in their wallet. The perks are definitely greater than the moderate annual fee to use it to avail juicy rewards. In addition, being one of the best Chase credit cards you can easily pair it with other cards in Chase family to further maximize your earnings.
Card Details
- Being in the list of the best Chase credit cards, you can easily earn 60,000 bonus points after you spend a total of $4,000 on purchases in the first 3 months
- Get greater benefits of up to 5x on travel purchased through the Chase Ultimate Rewards®
- Earn 3x points on dining, 2x on travel purchases by using the Chase Sapphire Preferred® Card
- Get $50 annual Ultimate Rewards Hotel credit and greater perks through this card
- Earn 25% more value when you redeem for hotels, airfare, car rentals, and cruises through the Chase Ultimate Rewards®
- With one of the best Chase credit cards, you get travel insurance in case of trip cancellation, delay, and lost luggage
- Get access to the DashPass which means $0 delivery fees and decreased service charges for a tenure of 1 year
Ink Business Preferred® Card
| Welcome Bonus | 100,000 bonus points |
| Annual Fee | $95 |
| Regular APR | 21.24%-26.24% (Variable APR) |
| Required Credit Score | Good to Excellent (700-749) |
Why we have picked this as No. #4 among the best Chase credit cards?
With a moderate annual fee of $95, this card offers higher-than-average rewards across the business spending categories. The card first offers a generous welcome bonus and then moves towards other travel and purchase protection benefits. Moreover, the card offers the flexibility to transfer points to airline partners, hotels, and other perks for small-scale business owners
Card Details
- After you spend a total of $80,000 in the first 3 months, you can earn 100k bonus points. That means you get $1,000 in cash back or $1,250 towards the travel when redeemed through the Chase Ultimate Rewards®
- With one of the best Chase credit cards you can earn 3 points on each dollar you spent on travel and selected categories with a spending cap of $150,000 on each anniversary year.
- Get unlimited 1 point on each dollar you spend on all the other purchases
- It provides ultimate security to the users with 24/7 monitoring for unusual credit card purchases
- With zero liability you are not held accountable for the unauthorized charges made through the account
- The points are redeemed for cash back, gift cards, travel, and more and they don’t expire as long as the account is opened in the bank
- Points hold 25% greater value when you redeem it through the Chase Ultimate Rewards®
- This distinct aspect of the card is that it covers purchase protection for new purchases for a time period of 120 days in case o theft its $10,000 per claim and total $50,000 per account
Best American Express Credit Cards for Travel
American Express lineup of cards offers exclusive perks for the travel category. If you want to avail greater rewards while traveling in style, you can keep tabs on the reward details of each card.
Chase Sapphire Reserve®
| Welcome Bonus | 60,000 bonus points |
| Annual Fee | $550 |
| Regular APR | 22.49%-29.49% (Variable APR) |
| Required Credit Score | Excellent (750-850) |
Why we have picked this as No. #5 among the best Chase credit cards?
For all the big spenders this card offers superior points for travel and dining. The $300 travel credit annually justifies its hefty annual fee. Being one of the pricey and best Chase credit cards, the redemption of points is comparatively easy. The perks are greater and include airport lounge access, application fee credit for Global Entry, and much more. This card is preferable for all those who spend routinely on the bonus categories.
Card Details
- With one of the best Chase credit cards, you have the chance to earn 60,000 bonus points after you spend a total of $4,000 on purchases in the first three months of account opening
- Chase Sapphire Reserve® being the premium card offers $300 annual travel credit as a reimbursement for travel purchases on each account anniversary
- With this card you earn 5x points on flights while 10 x points for cars and hotels booked through the Chase Ultimate Rewards® with a total spending of $300 annually
- Earn 1 point on each dollar you spend on all the other purchases
- Get 50% more value when you redeem points for travel through the Chase Ultimate Rewards®
- Get a 1:1 point transfer for the leading airline and hotel loyalty programs
- Get access to 1300+ airport lounges after one-time enrollment in the Priority Pass™
- This card provides coverage for trip cancellation, delay , auto rental collision damage waiver and last for lost luggage
Frequently Asked Questions
Is Chase Freedom Unlimited an excellent card?
Yes, this card offers a solid flat-rate cash back along with bonus cashback across multiple categories making it suitable option for a large user base. Moreover, the annual fee also makes it a must have option in your wallet.
What is the hardest Chase card to avail?
Chase Sapphire Reserve® is one of the difficult cards to keep in your wallet as the approval process is hard. But once you get approved you can enjoy greater bonus points and rewards through its usage.
Why Chase cards are considered good?
Although there are multiple reasons to prefer Chase Credit cards but mainly they are considered good for sign-up bonuses , generous rewards and other sorts of spending.
