/images/2018/01/23/navina-side-hustle-mid_MPfEDfV.jpg)
/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)
/authors/ben_walker_updated.png)
/authors/yahia-barakah-financebuzz.jpg)
Chase is one of the world's leading credit card issuers, offering a wide selection of both personal and business credit cards. Its credit card products are popular among travelers, diners, everyday spenders, and more.
Whether you want to earn rewards on every purchase, get premium travel perks, or separate your personal and business expenses, there's a Chase card for you. If you're interested in applying for a new Chase card, here are some excellent options.
Compare Chase personal credit cards
Great for Flexible Travel Rewards
/images/2024/12/16/chase-sapphire-preferred-12162024.png)
Current Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rewards Rate
5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases
Premium Travel Benefits
/images/2025/06/23/chase-sapphire-reserve-6-23-2025.png)
Current Offer
Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$795
Rewards Rate
8x points on all purchases through Chase Travel℠ (including The Edit℠), 4x points on flights and hotels booked direct, 3x points on dining worldwide & 1x points on all other purchases
Unlimited Cash Back
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Current Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee
$0
Rewards Rate
5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases
Seriously Powerful Cashback Card
/images/2024/12/16/chase-freedom-flex-12162024.png)
Chase Freedom Flex®
Current Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee
$0
Rewards Rate
5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases
Great for Building Credit
/images/2024/12/16/chase-freedom-rise-12162024.png)
Chase Freedom Rise®
Current Offer
$25 statement credit for enrolling in automatic payments within the first three months of account opening
Annual Fee
$0
Rewards Rate
1.5% cash back on all purchases
Save Money on Interest With a 0% Intro APR
/images/2024/10/14/chase-slate-edge.png)
Chase Slate Edge℠
Current Offer
0% Intro APR for 18 months from account opening on purchases and balance transfers, after which a variable APR of 18.99% to 28.99% applies
Annual Fee
$0
Generous Welcome Bonus
/images/2024/12/17/chase-southwest-rapid-rewards-plus-12172024.png)
Current Offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Annual Fee
$69
Rewards Rate
2X points on Southwest purchases and Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; plus 1X points on all other purchases
Generous Welcome Bonus
/images/2024/12/17/chase-southwest-rapid-rewards-priority-12172024.png)
Current Offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Annual Fee
$149
Rewards Rate
3X points on Southwest purchases; 2X points on Rapid Rewards hotel and car rental partners; local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; plus 1X points on all other purchases
A No Annual Fee Card for United Fans
/images/2024/12/17/chase-united-gateway-12172024.png)
Current Offer
Limited-Time Offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
Annual Fee
$0
Rewards Rate
2x miles on United® purchases, at gas stations, and on local transit and commuting; plus 1x mile on all other purchases
Free Checked Bags for United Fans
/images/2024/12/17/chase-united-quest-12172024.png)
Current Offer
Best Offer Ever: Earn 100,000 bonus miles and 3,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Annual Fee
$350
Rewards Rate
3x miles on United® purchases; 2x miles on dining, select streaming services, and all other travel; plus 1x mile on all other purchases
Best Rewards for United
/images/2024/12/17/chase-united-explorer-12172024.png)
Current Offer
Limited-Time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Annual Fee
$150 (waived first year)
Rewards Rate
2x miles on United® purchases, dining, and hotel stays when booked with the hotel and 1x mile on all other purchases
A Premium Card for United Flyers
/images/2024/12/17/chase-united-club-infinite-12172024.png)
Current Offer
Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$695
Rewards Rate
4x miles on United® purchases; 2x miles on dining and all other travel; plus 1x mile on all other purchases
Earn Avios & Fly the World
/images/2024/12/18/chase-british-airways-visa-signature-12182024.png)
British Airways Visa Signature® Card
Current Offer
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening
Annual Fee
$95
Rewards Rate
3X Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL; 2X Avios on hotel accommodations (when booked directly with the hotel); and 1X Avios on all other purchases
Big bonus points on Hyatt stays
/images/2024/12/18/chase-world-of-hyatt-12182024.png)
The World of Hyatt Credit Card
Current Offer
Earn up to 60,000 Bonus Points: earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening, plus up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Annual Fee
$95
Rewards Rate
up to 9X points at Hyatt (4 bonus points per $1 on qualified purchases at Hyatt hotels plus up to 5 base points per $1 from Hyatt as a World of Hyatt member); 2X points on restaurants, airline tickets purchased directly from the airlines, local transit and commuting and on fitness club and gym memberships; and 1X points on all other purchases
A Great Choice for New Travelers
/images/2024/12/18/chase-marriott-bonvoy-bold-12182024.png)
Marriott Bonvoy Bold® Credit Card
Current Offer
Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening (free night award valued up to 50,000 points; certain hotels have resort fees)
Annual Fee
$0
Rewards Rate
up to 14X total points at hotels participating in Marriott Bonvoy; 2X points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services; and 1X points on all other purchases
A Great Card for Travel Rewards Beginners
/images/2024/12/18/chase-marriott-bonvoy-boundless-12182024.png)
Marriott Bonvoy Boundless® Credit Card
Current Offer
Earn 5 Free Nights after spending $5,000 on eligible purchases within 3 months of account opening (each night valued up to 50,000 points; certain hotels have resort fees)
Annual Fee
$95
Rewards Rate
up to 17X points at hotels participating in Marriott Bonvoy; 3X points at grocery stores, gas stations, and dining on the first $6,000 spent in combined purchases each year; and 2X points on all other purchases
Valuable Bonus Offer and Gold Elite Status
/images/2022/09/28/chase-marriott-bonvoy-bountiful-credit-card.jpg)
Marriott Bonvoy Bountiful™ Credit Card
Current Offer
Earn 85,000 Marriott Bonvoy points after spending $4,000 in purchases in the first 3 months
Annual Fee
$250
Rewards Rate
18.5X points on eligible purchases at hotels participating in the Marriott Bonvoy program (when coupled with your complimentary Marriott Bonvoy membership and Gold Elite status); 4X points on grocery stores and dining (up to $15,000 in combined purchases each year, then 2X points); and 2X points on all other eligible purchases
Earn an Annual Free Night
/images/2024/12/18/chase-ihg-one-rewards-premier-12182024.png)
IHG One Rewards Premier Credit Card
Current Offer
Earn 5 Free Nights after spending $5,000 on purchases in the first 3 months from account opening
Annual Fee
$99
Rewards Rate
up to 26X total points on stays at IHG hotels & resorts; 5X points on travel, gas stations, and restaurants; and 3X points on all other purchases
Generous Iberia Rewards
/images/2024/12/17/chase-iberia-visa-signature-12172024.png)
Iberia Visa Signature® Card
Current Offer
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening
Annual Fee
$95
Rewards Rate
3X Avios on purchases with Iberia, British Airways, Aer Lingus, and LEVEL; 2X Avios on hotel accommodations (when booked directly with the hotel); 1X Avios on all other purchases
Generous Aer Lingus Rewards
/images/2024/12/17/chase-aer-lingus-visa-signature-12172024.png)
Aer Lingus Visa Signature® Card
Current Offer
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening
Annual Fee
$95
Rewards Rate
3X Avios on Aer Lingus, British Airways, Iberia, and LEVEL flight purchases; 2X Avios on hotels (when booked directly through the hotel); 1X Avios on all other purchases
An Easy Way to Earn Aeroplan Points
/images/2021/12/06/chase-aeroplan-world-elite-mastercard.jpg)
Aeroplan® Credit Card
Current Offer
Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Rewards Rate
3X points at grocery stores, on dining at restaurants, and Air Canada directly; and 1X points on all other purchases
Earn Easy Cash Rewards at Amazon.com
/images/2023/05/09/amazon_prime_visa.png)
Prime Visa
Current Offer
Special Offer: Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Annual Fee
$0
Rewards Rate
Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases
Easy Cash Back for Amazon and Whole Foods
/images/2023/05/09/amazon_visa.png)
Amazon Visa
Current Offer
Earn a $50 Amazon gift card upon approval of credit card application
Annual Fee
$0
Rewards Rate
3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases
Decent Rewards for Disney Fans
/images/2024/12/16/chase-disney-visa-12162024.png)
Current Offer
Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening
Annual Fee
$0
Rewards Rate
1% in Disney Rewards Dollars on all purchases
Good option for Disney fans
/images/2024/12/16/chase-disney-premier-visa-12162024.png)
Current Offer
Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening
Annual Fee
$49
Rewards Rate
5% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com, and ESPNPlus.com; 2% on purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations; and 1% on all other purchases
Compare Chase business credit cards
Flexible Payment Options with Unlimited Rewards
/images/2024/12/17/chase-ink-business-premier-12172024.png)
Current Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening
Annual Fee
$195
Rewards Rate
5% cash back on travel purchased through Chase Travel℠; unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases
Hot Welcome Bonus
/images/2024/12/17/chase-ink-business-preferred-12172024.png)
Current Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Rewards Rate
3X points 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; and 1X points per $1 on all other purchases
Up to 5% Cash Back
/images/2024/12/17/chase-ink-business-cash-12172024.png)
Current Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Annual Fee
$0
Rewards Rate
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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases
Unlimited Cash Back
/images/2024/12/17/chase-ink-business-unlimited-12172024.png)
Current Offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Annual Fee
$0
Rewards Rate
Unlimited 1.5% cash back on every purchase
Special Perks for Business Owners
/images/2024/12/17/chase-southwest-rapid-rewards-performance-business-12172024.png)
Current Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$199
Rewards Rate
4X points on Southwest purchases; 3X points on Rapid Rewards hotel and car rental partners; 2X on rideshare, social media and search engine advertising, internet, cable, and phone services; plus 1X points on all other purchases
Big Rewards For Southwest Travelers
/images/2024/12/17/chase-southwest-rapid-rewards-premier-business-12172024.png)
Current Offer
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open
Annual Fee
$99
Rewards Rate
3X points on Southwest purchases, 2X points on Rapid Rewards hotel and car rental partners and on local transit and commuting, including rideshare; plus 1X points on all other purchases
Great value for a low fee!
/images/2024/12/17/chase-united-business-12172024.png)
Current Offer
Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee
$150 (waived first year)
Rewards Rate
2x miles on United® purchases, dining, at gas stations, office supply stores, and on local transit and commuting; plus 1x mile on all other purchases
Free Bags and Free Employee Cards
/images/2024/06/19/united_club_biz_card.png)
The New United Club℠ Business Card
Current Offer
Earn 80,000 bonus miles--and 2,000 Premier qualifying miles--after spending $5,000 on purchases in the first 3 months
Annual Fee
$695
Rewards Rate
7X on United flights, 5X on hotel stays when you prepay through Renowned Hotels and Resorts, 2X on other eligible United purchases, and 1.5X on all other purchases
Elite Status and Generous Bonus Points
/images/2024/12/18/chase-world-of-hyatt-business-12182024.png)
World of Hyatt Business Credit Card
Current Offer
Earn 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening (offer ends 6/30/25)
Annual Fee
$199
Rewards Rate
up to 9X total points at Hyatt (4 bonus points per $1 on qualified purchases at Hyatt hotels plus up to 5 base points from Hyatt per eligible $1 spent as a World of Hyatt member); 2X points on your top three spend categories each quarter; 2X points on fitness club and gym memberships; and 1X points on all other purchases
What are the different types of Chase credit cards?
Consumers have dozens of choices when it comes to selecting a Chase credit card. There are the two main categories of personal and business credit cards, but there are also more specific subcategories. Chase offers several of the best travel credit cards and some of the best cash back credit cards. It also partners with certain airlines and hotels to offer co-branded cards. In general, Chase has a credit card that could work for almost every consumer.
Chase personal credit cards
There are many different types of Chase personal credit cards available, from travel cards to cash back rewards cards. Because there are a variety of options to choose from, it's easy to find one that suits your needs.
Chase cash back cards
Cash back cards earn valuable cashback rewards on every purchase, and you can redeem these rewards in multiple ways. If you want straight cash back, you can choose to receive a statement credit or direct deposit into a checking or savings account. Other redemption options include gift cards, shopping with points on Amazon, and redeeming points for travel.
Chase cash back cards are designed for consumers who want to use a credit card for common purchases. They're perfect for earning rewards on everyday spending, and some of them include the potential for earning extra rewards in bonus categories, such as gas or groceries, or quarterly rotating categories.
Chase offers these cash back cards:
Chase travel cards
Whether you fly frequently or occasionally, a travel credit card could be beneficial for you. Chase travel cards come with fantastic travel benefits and perks to help enhance your travel experiences. Built-in travel insurance can limit the stress on your next trip, and partner benefits from companies like DoorDash and Lyft can offer great value.
With a Chase travel card, you earn points called Chase Ultimate Rewards on every purchase. The total points you can earn depends on the card's bonus offer, earnings rates, and your spending habits. You can redeem your points through the Chase travel portal for airfare, hotels, car rentals, and more. You can also transfer your rewards to over a dozen airline and hotel partners.
Chase offers these travel cards:
No-annual-fee Chase cards
If you don't want to worry about additional fees, a Chase card with no annual fee could be right for you. These types of cards don't generally come with premium perks or benefits, but they can still provide a lot of value.
Some of the best no-annual-fee credit cards are also cash back cards, so you can earn cashback rewards on every purchase. This is great if you want a no-annual-fee card for everyday spending. Other no-annual-fee cards may be co-branded with a hotel, an airline, or another company, and can provide you with specific benefits for purchases with the partner company.
Chase offers these no-annual-fee cards:
Chase cards with a 0% introductory offer
If you want to avoid interest on purchases or balance transfers, certain Chase cards also come with 0% intro APR offers. Often, these offers let you pay no interest for up to a year, or sometimes more depending on the offer details.
With an introductory APR on purchases, you could make a large purchase and pay it off over time without worrying about interest charges. And a 0% APR balance transfer offer could be useful if you want to transfer high-interest debt from a non-Chase credit card and pay it down without worrying about interest charges.
Credit cards with 0% APR offers could help you learn how to manage your debt better and get back on track with your finances. Just be aware that after the intro period, your remaining balance will be subject to the regular variable APR, so you should be confident you can pay off your balance within the introductory timeframe.
- Chase Slate Edge℠: 0% intro APR for 18 months on purchases (then 18.99% to 28.99% Variable)
0% intro APR for 18 months on balance transfers (then 18.99% to 28.99% Variable) - Chase Freedom Unlimited®: 0% intro APR for 15 months on purchases (then 18.99% - 28.49% Variable)
0% intro APR for 15 months on balance transfers (then 18.99% - 28.49% Variable) - Chase Freedom Flex®: 0% intro APR for 15 months on purchases (then 18.99% - 28.49% Variable)
0% intro APR for 15 months on balance transfers (then 18.99% - 28.49% Variable)
Co-branded airline cards
Co-branded airline cards are credit cards that Chase has issued in partnership with specific airlines. Instead of earning Chase Ultimate Rewards points, these cards offer valuable rewards for the partner airline's loyalty program.
For example, if you're using a Chase Southwest credit card, your purchases earn Rapid Rewards points. With a Chase United credit card, your purchases earn MileagePlus miles. You may also receive specific benefits for the airline just for being a cardholder. This could include travel credits, upgraded boardings, free checked bags, or complimentary airline lounge membership.
Chase offers these co-branded airline cards:
- Southwest Rapid Rewards® Plus Credit Card
- Southwest Rapid Rewards® Premier Credit Card
- Southwest Rapid Rewards® Priority Credit Card
- The New United Gateway℠ Card
- The New United℠ Explorer Card
- The New United Quest℠ Card
- The New United Club℠ Card
- British Airways Visa Signature® Card
- Aer Lingus Visa Signature® Card
- Iberia Visa Signature® Card
- Aeroplan® Credit Card
Co-branded hotel cards
Co-branded hotel cards are credit cards that Chase has issued in partnership with specific hotels. When you make purchases with these cards, you earn rewards for the hotels' loyalty programs instead of Chase Ultimate Rewards points.
For the Chase Marriott credit cards, you would earn points for the Marriott Bonvoy rewards program and for the Chase Hyatt credit card, you would earn points for the World of Hyatt loyalty program.
Co-branded hotel cards often come with automatic hotel status benefits or free hotel stays for being a cardholder.
Chase offers these co-branded hotel cards:
- Marriott Bonvoy Bold® Credit Card
- Marriott Bonvoy Boundless® Credit Card
- Marriott Bonvoy Bountiful™ Credit Card
- The World of Hyatt Credit Card
- IHG One Rewards Premier Credit Card
- IHG One Rewards Traveler Credit Card
Other co-branded cards
In addition to its co-branded airline and co-branded hotel cards, Chase also offers other co-branded cards. These cards don't necessarily fall into the airline or hotel categories, though the rewards from some of them may be used toward resort stays or statement credits for airfare.
Chase offers additional co-branded cards:
- Amazon Visa
- Prime Visa (requires Amazon Prime subscription)
- Disney® Premier Visa® Card
- Disney® Visa® Card
- DoorDash Rewards Mastercard®
- Instacart Mastercard®
Chase credit cards for business:
In addition to their personal credit cards, Chase also offers business credit cards. Chase business cards are designed for business owners and their employees to use on necessary business expenses, whether that's office supplies, business travel, utilities, or any other applicable purchase.
Within Chase's selection of business credit cards, business owners can find plenty of options to choose from, including cashback cards, travel cards, and co-branded airline cards. No matter what your business expenses and financial goals may be, you can find a Chase business credit card that works for you.
Chase offers these business cards:
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Preferred® Credit Card
- Ink Business Premier® Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- Southwest® Rapid Rewards® Premier Business Credit Card
- The New United℠ Business Card
- The New United Club℠ Business Card
- World of Hyatt Business Credit Card
- IHG One Rewards Premier Business Credit Card
Which Chase card should you choose?
The Chase credit card you should choose depends on what you need the card for. Because there are so many different types of Chase cards available, it makes it easier to narrow it down based on your spending habits, financial needs, and goals.
The categories listed above should give you plenty of options to choose from. If you want a card for everyday spending that rewards you for every purchase, a cash back card such as the Chase Freedom Unlimited® could be ideal. You can earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases, which could make it easy to rack up rewards.
If you're more interested in travel benefits and rewards, you might consider one of the Sapphire cards: either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. They both offer excellent travel redemption options along with travel-specific perks.
If you're loyal to a specific airline and/or hotel, then Chase's co-branded airline and co-branded hotel cards could be valuable for you. They offer rewards-earning potential with popular loyalty programs, although you should compare the overall value to Chase's own Ultimate Rewards program.
Whatever your needs may be, there's probably a Chase card that could work for you. Chase has options for business owners, frequent travelers, online shoppers, and foodies.
How does Chase compare to other credit card companies?
By purchase volume, Chase is one of the largest credit card issuers in the U.S. It's a global company that holds a huge amount of assets in the financial industry. However, it still draws comparisons with other major credit card companies, such as American Express, and with payment networks, such as Visa and Mastercard.
So how does Chase measure up?
Chase vs. Visa
It's hard to compare Chase vs. Visa because they're different types of companies. Chase is a credit card issuer, whereas Visa is a payment network. So, they really aren't the same thing. Chase issues credit cards and Visa processes credit card payments when you use a card to make a purchase. This is why you can see both the Chase and Visa logos on the same credit card, such as the Chase Freedom Unlimited® or the Chase Sapphire Preferred® Card.
Visa has solely focused on providing payment solutions to merchants around the world. Chase issues credit cards to consumers, but it also offers many banking and investment services. In reality, the two companies are very different, but they do work together to create a functioning credit card product.
With more than 250,000 employees at Chase compared to more than 26,000 employees at Visa, Chase is a much larger company.
Chase vs. Mastercard
Mastercard is similar in many ways to Visa because it's a payments network and not a card issuer. In this regard, Chase is very different from Mastercard because Chase issues credit cards, but it does not offer payment solutions.
As with Visa, you can find credit cards that will have both the Chase and Mastercard logos on them. This means the card was issued by Chase and it requires purchases to be made on a Mastercard-capable payment system. Fortunately, Mastercard is widely accepted all over the world.
Although Chase is involved in many facets of the financial world, such as banking, credit cards, and investments, Mastercard is solely focused on offering payments solutions. Chase has more than 250,000 employees; Mastercard has over 29,000.
Chase vs. American Express
American Express is unique because it's both a card issuer and a payment network. So, Amex is able to approve consumers for its credit cards and then have merchants process these cards with Amex-capable payment systems.
Although Chase isn't a payment network, Chase credit cards are still more widely accepted than Amex cards. This is mainly because all Chase credit cards use either Visa or Mastercard payment networks. Amex credit cards are accepted all over the world, but not as widely as Visa and Mastercard.
American Express does offer a few services beyond credit cards, including savings accounts, but it doesn't offer nearly the range of financial services that Chase does. And although Amex is a big company, its number of employees (more than 77,000) can't match Chase's (more than 250,000).
FAQs
Which Chase card is best?
The best Chase credit card for you is the one that fits your spending habits, financial needs, and goals. Everyone has their own unique situation, so the best card for you might not be the best card for someone else. For everyday spending, a cash back card could be a good fit. For travel, you would want a travel card for its redemption options and travel benefits.
If you can figure out what you want out of a Chase credit card, you can figure out which one is right for you.
Is it hard to get a Chase card?
Many Chase credit cards require a good to excellent credit score rating for approval. A good FICO score can range from 670 to 739; an excellent score is over 800. But your credit score isn't the only factor that affects your approval or denial, and an excellent credit score still doesn't guarantee you'll be eligible for a card. But it's generally a good idea to check your credit report before applying for a new credit card to get an idea of whether or not you could qualify.
Chase considers multiple factors in the approval process, and your credit score is only one of them. If you're not approved for a Chase card, you have the option of calling the Chase reconsideration line.
Which Chase cards have no annual fee?
These are the Chase cards with no annual fee:
- Chase Freedom Flex®
- Chase Freedom Rise®
- Chase Freedom Unlimited®
- Chase Slate Edge℠
- The New United Gateway℠ Card
- Marriott Bonvoy Bold® Credit Card
- Prime Visa (Requires an Amazon Prime subscription)
- Disney® Visa® Card
- DoorDash Rewards Mastercard®
- Instacart Mastercard®
Which Chase cards earn rewards?
Most Chase cards earn rewards from purchases in some form, and many offer generous welcome offers that could help you jumpstart your rewards earning. Cash back cards earn cashback rewards, and travel cards earn Chase Ultimate Rewards points. There are also specific co-branded airline and co-branded hotel cards that earn rewards through the brand's loyalty program, which could be either points or miles.
Which Chase cards have no foreign transaction fee?
These are the Chase credit cards with no foreign transaction fees:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Southwest Rapid Rewards® Premier Credit Card
- Southwest Rapid Rewards® Priority Credit Card
- The New United Gateway℠ Card
- The New United℠ Explorer Card
- The New United Club℠ Card
- The New United Quest℠ Card
- British Airways Visa Signature® Card
- Aer Lingus Visa Signature® Card
- Iberia Visa Signature® Card
- Marriott Bonvoy Bold® Credit Card
- Marriott Bonvoy Boundless® Credit Card
- The World of Hyatt Credit Card
- IHG One Rewards Premier Credit Card
- Prime Visa
- The New United℠ Business Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- Instacart Mastercard®
- Aeroplan® Credit Card
- Marriott Bonvoy Bountiful™ Credit Card
- IHG One Rewards Traveler Credit Card
- Amazon Visa
- Ink Business Preferred® Credit Card
- Ink Business Premier® Credit Card
- The New United Club℠ Business Card
- IHG One Rewards Premier Business Credit Card
- World of Hyatt Business Credit Card
Is Chase better than Mastercard or Visa?
Chase is a card issuer and Mastercard and Visa are payment networks, so all Chase cards are also either Mastercard or Visa cards. You will find both the Chase logo and either the Mastercard or Visa logo on every Chase card. Because these are different types of companies, we can't say one is better than the other.
What is the Chase Ultimate Rewards program?
The Chase Ultimate Rewards program is Chase's credit cards rewards program. You can earn Chase Ultimate Rewards points by using any of a number of different Chase credit cards, including both personal and business cards.
You can redeem Chase Ultimate Rewards points for travel through the Chase portal. They can also be redeemed for cash back or gift cards, among other redemption options. For potentially greater value, you can transfer your points to more than 10 Chase Ultimate Rewards transfer partners, including JetBlue, Southwest, Emirates, Marriott, and Hyatt.
How much are Chase Ultimate Rewards worth?
In general, Chase Ultimate Rewards points could be worth between 1 to up to 2 cents per point. If you redeem them for cash back, you can expect to get around 1 cent per point in cash back. So, 10,000 Chase Ultimate Rewards points would get you $100 when redeemed for cash back.
With certain cards and specific redemptions, your points could be worth more. If you have the Chase Sapphire Preferred, your points could be worth up to 1.5x more value when redeemed toward select hotels and flights in the Chase Travel portal. So 10,000 points on the Chase Sapphire Preferred could be worth up to $150 toward Chase travel redemptions.
Likewise, the Chase Sapphire Reserve has the benefit of points being worth up to 2x more value when redeemed for select hotels and flights through Chase Travel. So 10,000 points on the Chase Sapphire Reserve could be worth up to $200 toward Chase Travel redemptions.
If you transfer your points to one of Chase's transfer partners, your points could potentially be worth even more.
How do you contact Chase customer service?
To contact Chase customer service you can call the number listed on the back of your Chase credit card or log into your online account and send Chase a secure message through the secure messages tab.
Bottom line
If you're interested in applying for a new Chase credit card, you have plenty of options available. The right one for you will depend on your situation, but just know you can narrow down the choices if you know what you're looking for.
Remember to consider your financial goals and spending habits carefully as you compare the different types of Chase credit cards. Each card comes with unique benefits and rewards earning potential, so look over this guide to see which one could be the best addition to your wallet.
Great for Flexible Travel Rewards
Current Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rewards Rate
5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases