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 charges and costs), 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 might earned with the cardboard for the primary time or the journey I took: a last-minute journey with pals to Moab, Utah, that on the time I by no means would have been capable of afford in any other case. It opened up my eyes to what was potential 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 position in my pockets.
If I have been to start out yet again, I might most likely select a completely different card for my first, however I can confidently say that anchoring my factors and miles technique with Chase bank cards has been a call 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, acquire money again or entry perks that can improve your journey expertise, Chase has a card to fulfill your wants. Listed here are our high picks.
One of the best Chase bank cards
Evaluating the most effective Chase bank cards
These are TPG’s high suggestions for the most effective Chase bank cards.
| Card | Finest for | Welcome bonus | Incomes charge | Annual payment |
|---|---|---|---|---|
| Chase Sapphire Most well-liked Card | Newer factors fans | Earn 100,000 factors after you spend $5,000 on purchases throughout the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn $250 money again after you spend $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Ink Enterprise Limitless Credit score Card | No annual payment on a enterprise card | Earn $750 after you spend $6,000 on purchases throughout the first three months of account opening. |
|
$0 |
| Ink Enterprise Most well-liked Credit score Card | Enterprise vacationers | Earn 90,000 factors after you spend $8,000 on purchases throughout the first three months of account opening. |
|
$95 |
| Chase Sapphire Reserve | Eating and journey insurance coverage | Earn 60,000 factors after you spend $5,000 on purchases throughout the first three months of account opening. |
|
$550 |
| Southwest Speedy Rewards Precedence Credit score Card | Frequent Southwest Airways flyers | Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening. |
|
$149 |
| Ink Enterprise Money Credit score Card | Workplace provides and know-how providers | Earn as much as $750 money again: $350 money again after you spend $3,000 on purchases throughout the first three months of account opening and a further $400 once you spend $6,000 on purchases throughout the first six months after account opening. |
|
$0 |
| Chase Freedom Flex | Rotating bonus classes | Earn $200 money again after you spend $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Southwest Speedy Rewards Plus Credit score Card | Southwest loyalists who need a low annual payment | Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening. |
|
$69 |
| Prime Visa | Amazon buyers | Get a $100 Amazon present card immediately upon approval (solely for Prime members). |
|
$0, although this card requires a Prime membership |
Chase Sapphire Most well-liked Card
Welcome supply: Earn 100,000 factors after you spend $5,000 on purchases throughout the first three months of account opening.
Annual payment: $95.
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Standout advantages: The Chase Sapphire Most well-liked has lengthy been one of the common journey bank cards on the market — and for good motive. 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 Final Rewards factors may be transferred to a spread of resort and airline companions.
I really like transferring factors earned with my Chase Sapphire Most well-liked to Hyatt to ebook luxe resort stays. A few of my favourite current redemptions have been 4 nights at Alila Ventana Huge Sur in California, which was a part of my honeymoon, and a protracted 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 superb eating eating places I really like making an attempt out when touring to the meals vehicles I frequent in my house metropolis of Portland, Oregon, to the espresso store I go to day by day with my canine.
Associated: I’ve the Chase Sapphire Most well-liked — which card ought to I get subsequent?
It additionally earns 3 factors per greenback spent on on-line groceries, which is my most popular technique of buying cumbersome objects like canned beans and child method, (excludes Walmart, Goal and wholesale golf equipment).
This card additionally consists of no less than one yr of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and regardless that I do not order supply often, 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 overview of the Chase Sapphire Most well-liked Card.
Apply right here: Chase Sapphire Most well-liked Card
Chase Freedom Limitless
Welcome supply: Earn $250 money again after you spend $500 on purchases throughout the first three months of account opening.
Annual payment: $0.
Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.
It earns no less than 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 those who fall outdoors one among its bonus classes. This implies it is an amazing alternative for many who need to earn a stable cash-back charge with out monitoring their spending throughout numerous classes.
That is a pleasant proposition, nevertheless it’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 would not supply the power to switch factors to Chase’s airline and resort companions, that every one adjustments in case you additionally maintain a card that earns Chase Final Rewards factors.
Those that have the Chase Sapphire Most well-liked, the Chase Sapphire Reserve or the Ink Enterprise Most well-liked can mix the rewards from the Freedom Limitless with these of their different accounts, immediately making them transferable — and rather more priceless.
Utilizing this technique, I successfully earn 1.5 Final Rewards factors per greenback spent with the Chase Freedom Limitless in classes the place I might earn simply 1 level per greenback with a special card. That is a 50% improve in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual payment.
Since there is not any annual payment 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.
You can too get Chase playing cards within the reverse order. Up to now, I’ve really helpful the Freedom Limitless as a stepping-stone product to family and friends members who could not but have the credit score rating or historical past wanted to safe a Sapphire card.
For extra particulars, see our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Ink Enterprise Limitless Credit score Card
Welcome supply: Earn $750 after you spend $6,000 on purchases throughout the first three months of account opening.
Annual payment: $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 power to transform the money again it earns into transferable factors. I really like transferring my factors to packages like British Airways, which has a distance-based award chart that permits me to ebook 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 beneath these umbrellas.
Up to now, I’ve used this card for bills associated to constructing and sustaining a web site and e mail checklist, in addition to for software program platforms like Zoom.
For extra particulars, see our full overview of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless Credit score Card
Ink Enterprise Most well-liked Credit score Card
Welcome supply: Earn 90,000 factors after you spend $8,000 on purchases throughout the first three months of account opening.
Annual payment: $95.
Standout advantages: The Ink Enterprise Most well-liked is a heavy hitter within the enterprise card class because of nice incomes charges, a hefty welcome bonus and an affordable annual payment.
It earns 3 factors per greenback spent on the primary $150,000 spent in mixed purchases every year on a spread of enterprise classes, lots of that are extensively helpful.
For instance, I really like utilizing the cardboard to earn 3 factors per greenback spent on journey, a class that features every thing from airfare and lodges to taxis and parking heaps. Even when your enterprise would not particularly relate to journey, making the most of this incomes charge on purchases which can be travel-adjacent can assist you maximize your spending.
The Ink Enterprise Most well-liked can be my go-to card for incomes bonus factors on web, cable and telephone providers, which might apply to nearly each enterprise.
I initially took out this card to assist a contract writing enterprise, for which web entry was crucial. 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 well-liked 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 enterprise can assist that degree of spend, it is a suggestion 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 ebook business-class flights to Japan and Tahiti, respectively.
For extra particulars, see our full overview of the Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked Credit score Card
Chase Sapphire Reserve
Welcome supply: Earn 60,000 factors after you spend $5,000 on purchases throughout the first three months of account opening.
Annual payment: $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 simple to make use of, and the beneficiant incomes charge of three factors per greenback spent on journey and eating, two of my largest spending classes.
Whereas I in the end determined the Sapphire Most well-liked was a greater match for my particular wants, I did maintain the Reserve for a few years and located quite a bit to like about it.
Specifically, I cherished the power to get 50% extra worth when redeeming factors for journey by way of Chase Journey. When you’ll usually get higher worth when transferring your factors to resort or airline companions, I discovered many instances the place the elevated portal redemption charge 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 best for you?
Better of all, utilizing Chase Journey helped me get first rate worth on flights and lodges when good switch choices weren’t accessible. For instance, I leaned closely on the portal when reserving flights and lodges in Ushuaia, Argentina, earlier than setting sail on a cruise to Antarctica.
I additionally cherished utilizing the Sapphire Reserve for main rental automotive insurance coverage whereas touring. For those who decline the rental firm’s collision insurance coverage, Chase gives reimbursement of as much as $75,000 for theft and collision harm for many rental autos within the U.S. and overseas.
This profit gave me peace of thoughts whereas on street journeys in locations like Eire and Scotland, the place I needed to drive on the left aspect of the street, and the Azores, the place we drove over some rocky terrain.
For extra particulars, see our full overview of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Southwest Speedy Rewards Precedence Credit score Card
Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening.
Annual payment: $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; lots of the playing cards on this checklist will do the trick. However there’s one thing to be mentioned in regards to the different advantages of the Southwest Speedy Rewards Precedence Credit score Card and their influence in your flying expertise.
The cardboard has some key options that may make your journey day rather more enjoyable. For starters, 25% again on inflight purchases can assist you entry discounted Wi-Fi to maintain any last-minute journey particulars or take pleasure in a reduced glass of wine. In the meantime, 4 upgraded boardings per yr can assist you beat the boarding chaos and offer you further time to get settled.
Plus, the cardboard comes with extra options that assist offset the annual payment — 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 usually 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 Speedy Rewards Precedence card additionally comes with a ten,000-point qualifying increase every year for Southwest’s coveted Companion Move, which lets you designate a journey companion to fly in your itineraries for simply the worth of taxes and costs, whether or not you ebook with money or factors.
For extra particulars, see our full overview of the Southwest Speedy Rewards Precedence card.
Apply right here: Southwest Speedy Rewards Precedence Credit score 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 throughout the first three months of account opening and a further $400 once you spend $6,000 on purchases throughout the first six months after account opening.
Annual payment: $0.
Standout advantages: For those who’re a enterprise proprietor who prioritizes incomes money again — or needs 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 Most well-liked or the Sapphire Reserve) on the primary $25,000 spent in mixed purchases every anniversary yr at workplace provide shops and on web, cable and telephone providers.
It is easy to see how web and telephone providers are helpful for many enterprise homeowners. My computer-based freelance writing and journey consulting aspect 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, reminiscent of 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, you could find a whole lot of worth right here in case you search for it.
Staples, for example, sells every thing from workplace furnishings to passport providers to Apple AirPods, and I’ve even bought meals there through the workday greater than as soon as. Its web site even has a piece 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 overview of the Ink Enterprise Money card.
Apply right here: Ink Enterprise Money Credit score Card
Chase Freedom Flex
Welcome supply: Earn $200 money again after you spend $500 on purchases throughout the first three months of account opening.
Annual payment: $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 provides the chance to earn 5% money again on as much as $1,500 in mixed spending purchases in rotating quarterly bonus classes (after activation).
Meaning you should use it to earn 7,500 bonus factors per quarter or 30,000 factors per yr, which is fairly nice for a card with out an annual payment. That is very true since, like with the Chase Freedom Limitless, the factors you earn with the Chase Freedom Flex may 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 prematurely, 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 instances, each of that are massive spending classes for me. Chase has additionally used PayPal as a bonus class a number of instances, and since so many on-line companies settle for it, your choices for incomes are almost limitless.
Lately, a bonus on purchases at pet outlets and veterinary providers helped me earn so many factors throughout an emergency with my canine that I used to be capable of ebook a free resort room in London.
For extra particulars, see our full overview of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Southwest Speedy Rewards Plus Credit score Card
Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening.
Annual payment: $69.
Standout advantages: Whereas we love the Southwest Speedy Rewards Precedence Credit score Card, there’s one other inexpensive choice that additionally gives nice worth: the Southwest Speedy Rewards Plus Credit score Card.
An annual payment of simply $69 will get you entry to lots of the identical advantages, together with the 25% low cost on inflight purchases, the ten,000-point qualifying increase every year for the Companion Move and an incomes charge of two factors per greenback spent on classes like native transit and commuting, Speedy Rewards lodges and automotive rental associate purchases, and choose streaming providers.
Each playing cards even have one other characteristic in frequent that can quickly turn out to be essential when Southwest ends its longtime bags-fly-free coverage: They will every permit you to verify your first bag freed from price.
As a brand new mother who totes round a whole lot of child provides, this profit is extraordinarily enticing to me. With such a low annual payment, the cardboard would seemingly make sense for me based mostly on the bag perk alone.
For extra particulars, see our full overview of the Southwest Speedy Rewards Plus card.
Apply right here: Southwest Speedy Rewards Plus Credit score Card
Prime Visa
Welcome supply: Get a $100 Amazon present card immediately upon approval (solely for Prime members).
Annual payment: $0, although this card requires a Prime membership.
Standout advantages: A favourite amongst Amazon fans, the Prime Visa is ideal for these with Amazon Prime accounts who spend often 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 charge 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 could possibly presumably want, together with meals, family provides, clothes and presents. However the incomes charge will get much more spectacular in case you have an eligible Prime membership, leaping to five%.
As a brand new dad or mum, it seems like I flip to Amazon almost day by day for one factor or one other. Whether or not it is provides like diapers, wipes or method that I did not understand have been operating low or a last-minute outfit for a themed day at day care, I am on the positioning 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 overview of the Prime Visa.
Apply right here: Prime Visa
What to think about when selecting a Chase bank card
Whereas all these playing cards can present immense worth when used to their full potential, it is essential to think about a number of particular elements earlier than making your choice. Pondering by way of them will make sure you’re choosing a card that most accurately fits your life-style, funds, preferences and journey targets.
Whereas figuring out the most effective card for you would possibly really feel overwhelming, keep in mind that your choice is just not set in stone; you’ll be able to at all times product change a card after holding it for a yr with out affecting your credit score rating.
Associated: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
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 fitted to my spending wants on the time.
Ultimately, I settled on the Chase Sapphire Most well-liked as my main Final Rewards-earning card, and I’ve held it ever since.
Most well-liked rewards
Occupied with what sort of rewards you’d wish to earn is a superb place to begin for selecting a bank card. Do you need to maintain it easy with money again? Or, are you desirous to dive into the world of transferable journey factors?
Welcome bonus
Welcome bonuses are essential on the earth of bank cards, as they symbolize your greatest probability to earn a big sum of factors without delay. Additionally they fluctuate all year long: The Chase Sapphire Most well-liked, for instance, is presently providing its highest-ever bonus however just for a restricted time.
Spending habits
To get the very 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 buying are all main ones, which is why the Chase Sapphire Most well-liked and the Ink Enterprise Most well-liked proceed to carry locations in my pockets yr after yr.
Annual payment
After all, you may additionally need to suppose by way of your funds and what, if something, you are keen to spend on bank card annual charges.
Chase provides a spread of choices, from $0 all the best way 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 potential, a premium providing solely is sensible in case you can maximize the cardboard’s advantages.
How we selected the most effective Chase bank cards
We selected the most effective Chase bank cards based mostly on a number of elements, together with welcome provides, perks and advantages, and reward incomes charges — notably in common spending classes.
To be taught extra about how TPG evaluates and chooses playing cards to characteristic in our roundups, take a look at our methodology.
Redemption choices for Chase bank cards
Your redemption choices will rely on which card you go for. With the Southwest cobranded playing cards, it is essential to notice that you’re going to solely earn Speedy Rewards factors, whereas the Chase Sapphire Most well-liked, the Chase Sapphire Reserve and the Ink Enterprise Most well-liked earn Final Rewards factors that may be transferred to a spread of airline and resort companions — Southwest included.
The Prime Visa, the Ink Enterprise Most well-liked, the Ink Enterprise Money, the Chase Freedom Limitless and the Chase Freedom Flex all earn money again in case you desire to earn money as a substitute of journey rewards. Nevertheless, the latter 4 playing cards have the pliability to transform these rewards to transferrable journey forex 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 often and really feel assured that I can get extra worth out of Final Rewards factors than money again.
Backside line
Regardless of the place you might be along with your bank card technique, Chase has a card that can fit your wants. Bank card learners have glorious choices within the Chase Sapphire Most well-liked, the Chase Freedom Limitless and the Chase Freedom Flex.
Frequent vacationers looking for a premium card expertise can leverage the Chase Sapphire Reserve, whereas enterprise homeowners have a stable lineup to select from: the Ink Enterprise Most well-liked, the Ink Enterprise Limitless or the Ink Enterprise Money.
Whichever card you decide, relaxation assured which you can’t go flawed. 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: Causes the Chase Sapphire Most well-liked needs to be your subsequent bank card
