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Updated May 4, 2018

Best Chase Credit Card: November 2020

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Find the best Chase credit card in our rankings of top offers and promotions. Read the latest reviews and score the best deals with this guide.

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Are you looking for an all-purpose cash back credit card, a way to earn travel rewards, or a great balance transfer deal? Chase has a card that could work for you.

Chase Credit Card Offers

Here are the top Chase credit cards you should not ignore:

Chase Promotions

  • Chase Freedom Unlimited: Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.

  • Chase Sapphire Preferred: Spend $4,000 within the first 3 months and earn 60,000 bonus points. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

  • Chase Ink Business Preferred: Spend $15,000 within the first 3 months and earn 100,000 bonus points. That's $1,250 toward travel when you redeem through Chase Ultimate Rewards®.

Read on for the list of current card promotions for new applicants. Apply for a new Chase credit card from this list. Then make the qualifying purchases within the specified timeframe to get the bonus promotion.

Best Cash Back Credit Card

Chase Freedom Unlimited:
Chase Freedom Unlimited lets you earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. You earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. There is also a 0% intro APR for 15 months from account opening on purchases, then a variable APR of 14.99-23.74%. The cash back rewards will not expire as long as your card account remains open. There is no annual fee.

We like Chase Freedom Unlimited because you get 1.5% cash back on ALL purchases. You don't have to worry about keeping track of and activating rotating categories. This makes it the better card for those with varied spending.

Best Credit Card for Travel

Chase Sapphire Preferred:
Chase Sapphire Preferred
Apply for Chase Sapphire Preferred Card
Chase Sapphire Preferred is one of the best travel rewards cards. It has a huge sign-up bonus, as well as these highlights:

Chase Sapphire Preferred lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. This card lets you earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.

Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee.

Best Elite Credit Card

Chase Sapphire Reserve:
Chase Sapphire Reserve
Apply for Chase Sapphire Reserve
Chase Sapphire Reserve is the luxury sibling. It has a $550 annual fee. But if you travel enough, you can easily justify the fee (Read Chase Sapphire Preferred vs Reserve). In particular, it has several benefits that make it a standout:

Chase Sapphire Reserve lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. This card offers a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

This card earns 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. The points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has $0 foreign transaction fees. The card comes with access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select. There is a $550 annual fee.

Best Credit Card for Balance Transfer

Chase Slate:
Chase Slate offers a $0 intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5. This card has a 0% introductory APR for 15 months on purchases and balance transfers. After that, a variable APR, currently 14.99% to 23.74%. Plus, you can see your monthly FICO Score for free. There is a $0 annual fee.

Chase Slate is one of the best balance transfer cards on the market. Most other credit cards have a 3%-5% fee, which can equal hundreds of dollars if you have a few thousand to transfer. If you have a balance from another card, this is a great way to get a break on interest rates and focus on paying off the debt.

Best Credit Card for Domestic Airline Rewards

Southwest Rapid Rewards Premier:
For domestic travelers, the Southwest co-branded card from Chase is a great choice.

Southwest Credit Card earns 40,000 points after you spend $1,000 on purchases in the first 3 months. This card earns 6,000 bonus points after your Cardmember anniversary. You earn 2 points per dollar spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases. 1 point per dollar spent on all other purchases. There is no foreign transaction fee. There is a $99 annual fee.

Best Business Credit Card

Chase Ink Business Preferred:
Ink Business Preferred
Apply for Ink Business Preferred Credit Card
The Ink Business Preferred has a huge sign-up bonus and very generous rewards given the reasonable annual fee.

  • 3x points on relevant business categories, such as travel, telecom, shipping, and advertising
  • Points can be redeemed for travel on Chase travel portal at 25% more value
  • Points can also be transferred to airline and hotel partners at a 1:1 ratio

Also, you don't have to be a corporation. If you're a freelancer or have a side business, you're eligible to apply.

Ink Business Preferred lets you earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. 100,000 points is worth $1,250 toward travel when you redeem via Chase Ultimate Rewards. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn. There are no foreign transaction fees. There is a $95 annual fee.

In-Depth Guide to Chase Best Credit Card Deals

Below, we will go into more detail for each card Chase offers. We'll compare each against cards in the same category so you can decide which is better for you.

What Is the Best Chase Credit Card for You?

To pick the right card for you, consider the following factors:

  • Annual fee: How often will you use your new Chase card? Cards with annual fees will offer more rewards or perks. But before you get too tempted, think: will you realistically earn enough in rewards to make up for the expense?

  • Cash back vs travel miles: Cash back is the straightforward way to earn rewards, but depending on what you want, travel miles could provide more value to you.

    Some Chase cards allow you to transfer points to select frequent travel programs (like airline partners such as United and Southwest, or hotel partners such as Marriott). This could make each point worth much more than the straight up cash back rate.

    Tip: Sounds complicated? It doesn't have to be if you know how to play the airline miles game. Read our beginner's guide to get you started.

  • Lifestyle and spending habits: What do you spend the most on? Pick a card with rewards that match your lifestyle, so you can maximize your rewards.

    If your spending is varied, then consider the Chase Freedom Unlimited. If you travel frequently, then consider the Chase Sapphire Preferred. Or you may find that the Sapphire Reserve is worth the heavy annual fee.

Chase Credit Card Offers for New Applicants

New Application: Before you apply for a Chase credit card, keep in mind you usually need excellent credit.

If you are interested in any of the Chase cards, make sure you prioritize the application over any other cards you may be considering. Chase has a 5/24 rule, which means that if you've opened more than 5 new credit cards in the last 24 months (including non-Chase cards), your application will most likely be declined.

We'll make your decision simpler with side-by-side Chase offers comparisons.

Chase Cash Back Credit Cards

Chase Freedom Unlimited (read review) gives you unlimited 1.5% cash back on all purchases.

Tip: You earn cash back in the form of Ultimate Rewards points (UR), which you can then redeem for statement credit or direct deposit. The good thing about this is that you can combine with your points with other cards in the UR family. If you have one of the Sapphire cards (below), you can redeem your points for travel at a higher value.

Chase Travel Cards: Sapphire Preferred vs Sapphire Reserve

Chase offers two Ultimate Rewards travel cards. These cards earn points that can be transferred to partner airline and hotel programs. Or you can redeem points toward travel on the Chase travel portal at a discount.

Chase Sapphire Preferred has a $95 annual fee and is a good choice for most active travelers. While the Sapphire Reserved is its luxury sibling, with a $550 annual fee.

 

Chase Sapphire Preferred

Chase Sapphire Reserve

Annual Fee$95 annual fee$550 annual fee
Bonus DealEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Travel2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
1:1 point transfer to leading airline and hotel loyalty programs
Points2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Airline Status $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Restaurant2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.3X points on dining at restaurants
 Apply NowApply Now

Best Credit Card to Pair with Chase Sapphire: Chase Freedom Unlimited lets you earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. You earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. There is also a 0% intro APR for 15 months from account opening on purchases, then a variable APR of 14.99-23.74%. The cash back rewards will not expire as long as your card account remains open. There is no annual fee.

  • Chase Sapphire Preferred
    Apply for Chase Sapphire Preferred Card
    Chase Sapphire Preferred lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. This card lets you earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.

    Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee.

    This card is worth considering by frequent diners and travelers in particular. Otherwise, skip to a more general-use card, like the Chase Freedom Unlimited.

  • Chase Sapphire Reserve
    Apply for Chase Sapphire Reserve
    Chase Sapphire Reserve lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. This card offers a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

    This card earns 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. The points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has $0 foreign transaction fees. The card comes with access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select. There is a $550 annual fee.

Get Chase Sapphire Preferred if you:

  • Spend over $190/week on eating out and/or travel. That's 19,760 points (worth $247 toward travel on the Ultimate Rewards portal). Compared with 14,820 points ($148.20) on Chase Freedom Unlimited.

Get Chase Sapphire Reserve if you:

  • Spend at least $300 in travel expenses a year.
  • Spend over $200/week on eating out and/or travel. That's 31,200 points (worth $468 toward travel on the Ultimate Rewards portal). Compared with 20,800 points (worth $325 toward travel on the Ultimate Rewards portal) on Chase Sapphire Preferred.

Chase Balance Transfer Credit Card Offers

If you have credit card debt, Chase Slate (read review) offers an introductory no balance transfer fee promotion.
If you want to get out of debt, this is a good deal as it's hard to find other credit cards that will waive the transfer fee.

Related: How to Save Money on Credit Card Debt

Chase Airline Cards

Chase also has a few other cards cobranded with partner hotels and airlines. These may be good options for you if you are loyal to one of the brands.

  • Chase offers two consumer Southwest cards. Both cards offer a big sign-up bonus. Both give 2x miles on Southwest purchases and hotel and car rental partners, and 1x miles on everything else.

    The Southwest Rapid Rewards Plus gives a 3,000-mile bonus each anniversary year. While the Southwest Rapid Rewards Premier gives you a 6,000 miles bonus each anniversary year, and has no foreign transaction fees. It has a bigger annual fee of $99 (versus $69 for the Rapid Rewards Plus).

    Southwest already allows you to check two bags for free for every flight.

    Tip: Southwest points are often worth over 1.5 cents each in our estimates.

    In our opinion, the Premier card is the better value despite the higher annual fee. The 6,000 bonus miles you get each account anniversary will just about make up for the annual fee. Whereas the 3,000 bonus miles with the Plus card may not.

Chase Small Business Credit Cards

You don't have to be a corporation to get a business credit card from Chase. Are you a freelancer? Do you have a side business?

You spend a lot of money running your business. Why not sign up and take advantage of that spend?

Chase offers two business cards. The Ink Business Cash has no annual fee, while the Ink Business Preferred has a $95 annual fee. Both have sign up promotions you should not ignore.

 

Ink Business Cash

Ink Business Preferred

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 12 monthsN/A
Purchase APR13.24% to 19.24% Variable based on your creditworthiness and other factors15.99% to 20.99% Variable based on your creditworthiness and other factors
Balance Transfers APR13.24% to 19.24% Variable based on your creditworthiness and other factors15.99% to 20.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollars$0
Annual Fee$0 annual fee$95 annual fee
 

Benefits and Features

Cash Back DealEarn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. 
Bonus Deal New Offer! Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Cash BackEarn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
 
Points Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Airline Transfer Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.

In general, if your business has travel needs, you'll find that the Chase Ink Preferred is more versatile. It has the ability to transfer points to travel partners and to use points toward travel at a higher value on the Chase travel portal.

If your business is new, you may like that the Chase Ink Cash has a 0% introductory APR on purchases for 12 months. After that, a variable APR, currently 13.24% - 19.24% Variable. A promotional APR is great if you don't yet have steady cash flow.


Which Credit Card Application?

Which card is the best fit for you depends on your spending patterns and what you hope to get out of your credit card. As with any credit decision, research is important to make sure you pick the card that's best for your specific financial situation.

Of course, these special bonus offers mean that you'll need to spend (or transfer) a certain amount of money with the new card right away. If you're stuck, we have some ways to meet the minimum spending requirement. Choose the card that gets you to your goals - whether it's to travel more, pay off debt, or simply get some cash back.

Remember as with all credit card and bank offers, terms and limitations apply.

Best Chase Credit Card for Beginners: Chase Freedom Unlimited lets you earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. You earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. There is also a 0% intro APR for 15 months from account opening on purchases, then a variable APR of 14.99-23.74%. The cash back rewards will not expire as long as your card account remains open. There is no annual fee.

Top Chase Credit Card Offers for November 2020

CardBonus
Chase Sapphire PreferredEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Chase Sapphire ReserveEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Chase Freedom
Chase Freedom UnlimitedEarn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
Southwest Rapid Rewards PremierEarn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Southwest Rapid Rewards PlusEarn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Ink Business CashEarn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Ink Business PreferredNew Offer! Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

What is the best Chase Bank credit card to get?: Chase Sapphire Preferred lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. This card lets you earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.

Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom, Chase Freedom Unlimited®, Chase Slate, Southwest Rapid Rewards Premier Credit Card, and Southwest Rapid Rewards Plus Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


Chase Sapphire Preferred Review


Chase Freedom Unlimited Review


Chase Ink Preferred Review



Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95

What Do I Need to Get a Chase Credit Card

Find out the minimum you need to get approved for a Chase credit card (including credit score, income, and other requirements).
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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