Chase Credit Cards: Latest Offers [December 2025]

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.

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New Offer

2025 award winner Best Overall Travel Credit Card

Chase Sapphire Preferred^® Card

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4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase’s website

Rates and fees

Welcome Bonus

75,000 Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening

Points

Rewards Rate

1X - 5X Earn 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

Points

Annual Fee

$95

Why We Like It

• Popular travel card with perks like up to $50 in statement credits each account anniversary for hotel stays booked through Chase Travel℠ , bonus points each account anniversary equal to 10% of your total purchases made the previous year, and valuable travel protections

• Amazing welcome offer valued at up to $1,125 when redeemed via Chase Travel℠, where points are worth up to 1.5x more

• Solid rewards rate on travel, dining, select streaming services, and online groceries

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on Chase’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

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on Chase’s website

Rates and fees

2025 award winner Best for Dining Out

Chase Freedom Unlimited^®

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase’s website

Rates and fees

Welcome Bonus

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Bonus

Rewards Rate

1.5% - 5% 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

Cash Back

Annual Fee

$0

Why We Like It

• Solid flat-rate rewards on most purchases, with elevated rates on select travel, drugstore, and dining purchases

• Impressive intro APR offer on purchases and balance transfers, great for covering large purchases or paying down debt

• Good purchase protections and coverage, all for no annual fee

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on Chase’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

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on Chase’s website

Rates and fees

2025 award winner Best for Lounge Access

Chase Sapphire Reserve^®

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5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase’s website

Rates and fees

Welcome Bonus

125,000 bonus points Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening

Rewards Rate

1X - 8X Earn 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

Points

Annual Fee

$795

Why We Like It

• Premium perks like up to $300 in annual travel credits, complimentary Priority Pass Select membership, and comprehensive travel protections

• Impressive welcome offer valued at at least $1,250 when redeemed via Chase Travel℠

• Ability to transfer points to popular travel partners, including United, Southwest Airlines, and JetBlue loyalty programs

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on Chase’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Excellent (740 - 850)

Card Details

Card Details

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

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on Chase’s website

Rates and fees

Excellent for elevated cash back

Chase Freedom Flex^®

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase’s website

Rates and fees

Welcome Bonus

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Bonus

Rewards Rate

1% - 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Cash Back

Annual Fee

$0

Why We Like It

• Enjoy 5% cash back on rotating quarterly categories you activate (on up to $1,500 total spent) and travel purchased through Chase Travel℠

• Plus, a 0% intro APR for 15 months on purchases and balance transfers (then 18.49% - 27.99% Variable)

• All with no annual fee

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on Chase’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49%-27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

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on Chase’s website

Rates and fees

2025 award winner Best for No Credit

Chase Freedom Rise^®

Learn How to Apply

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

$25 statement credit Earn a $25 statement credit for enrolling in automatic payments within the first three months of account opening

Rewards Rate

1.5% Earn 1.5% cash back on all purchases

Cash back

Annual Fee

$0

Why We Like It

• With $0 annual fee, the Chase Freedom Rise^® is great for those looking to establish credit and the ability to track their credit score for free with Chase Credit Journey.

• Cardholders can earn 1.5% cash back on all purchases and can also earn a $25 statement credit for enrolling in automatic payments within the first three months of account opening.

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Card Details

Card Details

• $0 annual fee
• Earn 1.5% cash back on all purchases
• Earn $25 statement credit for enrolling in automatic payments within the first three months of account opening

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Chase Slate Edge℠

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5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Intro APR

Purchases:
0%, 18 months

Balance Transfers:
0%, 18 months

Regular APR

18.49% to 28.49% Variable

Annual Fee

$0

Rewards Rate

Why We Like It

• The Chase Slate Edge℠ is a great card for anyone who is interested in making balance transfers and having a card with an ongoing low interest rate.
  

• Cardholders can benefit from this card's 0% intro APR for 18 months on purchases and balance transfers. After the intro period, an APR of 18.49% to 28.49% Variable applies. After that intro period, you can automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.

• You can also raise your credit limit: Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.

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Card Details

Card Details

• Long intro APR offer on balance transfers and purchases
• Offers the chance to reduce the regular APR by 2% annually
• Offers a DoorDash DashPass benefit

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British Airways Visa Signature^® Card

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4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

75,000 Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening

Avios

Rewards Rate

1X - 3X 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

Avios

Annual Fee

$95

Why We Like It

• The British Airways Visa Signature^® Card is a top-rated travel credit card for frequent British Airways flyers.

• Cardholders can earn a companion ticket called the Travel Together Ticket that's valid for up to two years after spending $30,000 on purchases in a single calendar year.

• Earn 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.

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Card Details

Card Details

• Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening
• Opportunity to earn a Travel Together Ticket every year of card membership
• No foreign transaction fee

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2025 award winner Best Hotel Credit Card

The World of Hyatt Credit Card

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4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

30,000 Bonus Points 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

Rewards Rate

1X - up to 9X Earn 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

Points

Annual Fee

$95

Why We Like It

• If you travel and stay at Hyatt a few times a year, the The World of Hyatt Credit Card could be a good match for you. It has a generous sign-up bonus, a high rewards rate on Hyatt hotel stays, and you can earn free nights.

• This card offers serious rewards. You’ll get 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.

• Free nights at Hyatt hotels start at just 5,000 points, so you can quickly earn enough points to get a free night.

• In addition, you’ll get a free night at a Hyatt Category 1-4 resort each year you’re a World of Hyatt cardmember. If you spend at least $15,000 per year with your credit card, you’ll get another free night certificate.

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Card Details

Card Details

• Annual free night award
• Automatic Discoverist status
• Comprehensive travel and purchase coverage
• No foreign transaction fees

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Marriott Bonvoy Bold^® Credit Card

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3.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

30,000 Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening

Points

Rewards Rate

1X - 14X 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

Points

Annual Fee

$0

Why We Like It

• The Marriott Bonvoy Bold^® Credit Card is a great option for travelers who are loyal to the Marriott Bonvoy brand and want to avoid paying an annual fee.

• Cardholders receive 15 Elite Night Credits each calendar year and can earn unlimited Bonvoy points.

• Earn 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.

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Card Details

Card Details

• Automatic Silver Elite status
• High rewards rate on Marriott Bonvoy stays
• Travel and purchase protections
• Ability to pay monthly on qualifying travel purchases
• Largest hotel brand in the world

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Marriott Bonvoy Boundless^® Credit Card

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4.1

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Welcome Bonus

3 Free Night Awards Earn 3 Free Nights after spending $3,000 on eligible purchases within 3 months of account opening (each night valued up to 50,000 points; certain hotels have resort fees)

Rewards Rate

2X - 17X 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

Points

Annual Fee

$95

Why We Like It

• The Marriott Bonvoy Boundless^® Credit Card is a good travel credit card for rewards card beginners. It offers a valuable welcome bonus, higher rewards on Marriott Bonvoy hotel stays, and you can earn free nights.

• When you use the Marriott Bonvoy Boundless card, you’ll earn up to 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. You can redeem your points for hotel stays at Marriott resorts, including Ritz-Carlton, JW Marriott, Gaylord Hotels, Le Meridien, Aloft, and Four Points hotels.

• Every year after your account anniversary, you’ll enjoy a free night award at an eligible Marriott resort.

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Card Details

Card Details

• Annual free night benefit
• Automatic Marriott Silver Elite status
• High earn rates on Marriott spending

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Marriott Bonvoy Bountiful™ Credit Card

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4.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

85,000 Earn 85,000 Marriott Bonvoy points after spending $4,000 in purchases in the first 3 months

Marriott Bonvoy points

Rewards Rate

2X - up to 18.5X Earn 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

Points

Annual Fee

$250

Why We Like It

• The Marriott Bonvoy Bountiful™ Credit Card is a strong choice for travelers who are loyal to Marriott Bonvoy properties and can use the card and the benefits often enough to offset the $250 annual fee.

• Cardholders will enjoy complimentary Gold Elite status which offers perks such as room upgrades and late checkout (depending on availability).

• You can also earn 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.

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Card Details

Card Details

• Extra points per eligible stay
• Complimentary Gold Elite status and path to Platinum Elite
• Free Night Award after meeting spending requirement
• Various travel and purchase protections

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IHG One Rewards Premier Credit Card

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

140,000 Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

Points

Rewards Rate

3X - 26X 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

Points

Annual Fee

$99

Why We Like It

• The IHG One Rewards Premier Credit Card is best for travelers who stay at IHG-branded hotels, including Regent, Kimpton, Crowne Plaza, and Holiday Inn hotels. The card boasts a large welcome offer for new cardmembers, high rewards on IHG hotel stays, free rewards nights, and premium travel perks.

• With this card, you’ll earn up to 26X at IHG hotels & resorts when combined with existing IHG One Rewards Member benefits. You’ll also earn 5X points on travel, gas stations, and restaurants, and 3X points on all other purchases.

• As an IHG One Rewards Premier cardmember, you are automatically upgraded to Platinum Elite status. You’ll get benefits like no blackout dates for rewards nights, complimentary room upgrades, and a 60% bonus on base points.

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Card Details

Card Details

• Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
• Up to 26X total points at IHG hotels & resorts
• Earn 5X points on travel, gas stations, and restaurants, 3X points on all other purchases
• Free night every year
• Fourth reward night free

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Compare Chase business credit cards

2025 award winner Best Business Credit Card for Solopreneurs

Ink Business Cash^® Credit Card

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4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase’s website

Rates and fees

Welcome Bonus

$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening

Cash back

Rewards Rate

1% - 5% Earn 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

Cash back

Annual Fee

$0

Why We Like It

• Great for earning cash back on business purchases with no annual fee

• Intro APR offer on purchases, helpful for new or growing businesses to finance large purchases

• Ability to earn $750 thanks to a welcome offer

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on Chase’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn $750 when you spend $6,000 on purchases in the first three months after account opening
• Earn 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 purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

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on Chase’s website

Rates and fees

Excellent for flat-rate cash back + no annual fee

Ink Business Unlimited^® Credit Card

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4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase’s website

Rates and fees

Welcome Bonus

$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Cash back

Rewards Rate

1.5% Earn unlimited 1.5% cash back on every purchase

Cash back

Annual Fee

$0

Why We Like It

• Simple, flat-rate unlimited rewards on every purchase, all without an annual fee

• Intro APR offer on purchases, helpful for new or growing businesses to finance large purchases

• Employee cards at no additional cost to boost earnings and simplify expense tracking

Apply Now

on Chase’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

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on Chase’s website

Rates and fees

The New United Club℠ Business Card

Learn How to Apply

4.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Welcome Bonus

80,000 Earn 80,000 bonus miles--and 2,000 Premier qualifying miles--after spending $5,000 on purchases in the first 3 months

Miles

Rewards Rate

1.5X - 7X Earn 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

Miles

Annual Fee

$695

Why We Like It

• The New United Club℠ Business Card is a premium travel card that's best for business travelers who regularly fly on United and are looking for valuable rewards and perks. This card comes with luxury travel benefits and a generous welcome offer: Earn 80,000 bonus miles--and 2,000 Premier qualifying miles--after spending $5,000 on purchases in the first 3 months.

• With the United Club Business card, you’ll earn 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.

• Each year, United Club Business cardmembers get a free United Club membership, valued at upwards of $750 per year. This perk includes access to United Club lounges and affiliated lounges around the globe. With this card, you also get access to priority security lanes and priority boarding on United flights, making your trip to the airport more pleasant. When you pay for your flight with your card, you and one companion also get one free checked bag on all United flights.

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Card Details

Card Details

• Earn 80,000 bonus miles--and 2,000 Premier qualifying miles--after spending $5,000 on purchases in the first 3 months
• Earn 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
• United Club membership
• Free employee cards

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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 Freedom Flex^®
• Chase Freedom Rise^®
• Chase Freedom Unlimited^®

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:

• Chase Sapphire Preferred^® Card
• Chase Sapphire Reserve^® 

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 Freedom Flex^®
• Chase Freedom Rise^®
• Chase Freedom Unlimited^®
• Chase Slate Edge℠

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 18.49% to 28.49% Variable)
  0% intro APR for 18 months on balance transfers (then 18.49% to 28.49% Variable)
• Chase Freedom Unlimited^®: 0% intro APR for 15 months on purchases (then 18.49% - 27.99% Variable)
  0% intro APR for 15 months on balance transfers (then 18.49% - 27.99% Variable)
• Chase Freedom Flex^®: 0% intro APR for 15 months on purchases (then 18.49% - 27.99% Variable)
  0% intro APR for 15 months on balance transfers (then 18.49% - 27.99% 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
• United Gateway℠ Card
• United℠ Explorer Card
• United Quest℠ Card
• 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
  
• 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. You can even find several Chase credit cards for beginners.

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

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

Chase Sapphire Preferred^® Card

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Chase Sapphire Preferred^® Card

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Rates and fees

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

Benefits and Drawbacks

Benefits

• Generous welcome offer valued at up to $1,125 when redeemed via Chase Travel℠
• High rewards on dining and bookings via Chase Travel
• Up to 1.5x more value when redeeming points for travel through Chase Travel
• Up to $50 in statement credits each account anniversary year for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance

Drawbacks

• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases

Card Details

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC