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Credit Cards

Here are the best Chase credit cards for earning rewards and getting out of debt

Select analyzed Chase credit cards using an average American's annual spending budget and digging into perks and drawbacks of each to find the best choices for your consumer habits.

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Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

Chase credit cards offer distinct rewards programs for cash-back enthusiasts and travelers, as well as buzzed-about card designs. When the Chase Sapphire Reserve® launched in 2016 with a revamped metal card design, so many people applied that there was a shortage of the metal needed to make the card.

Many Chase cards regularly make headlines when new changes are made, such as when Chase added Lyft and DoorDash benefits to select cards and made updates to the Chase Freedom® cash-back calendar.

Whether you're looking to earn rewards, pay off debt, travel or simplify business expenses, there's a Chase credit card for you.

Below, Select breaks down the best Chase credit cards in six categories so you can open the best card based on your spending habits.

Best Chase credit cards

Best cash-back card

Chase Freedom Flex℠

On Chase's secure site
  • Rewards

    5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

  • Welcome bonus

    $200 cash back after you spend $500 on purchases in your first three months from account opening

  • Annual fee

    $0

  • Intro APR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

    15.24% to 23.99% variable

  • Balance transfer fee

    Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions
  • Estimated rewards earned after 1 year: $852
  • Estimated rewards earned after 5 years: $2,844

Rewards totals incorporate the cash back earned from the welcome bonus

Who's this for? If you're looking to maximize cash back in a variety of rotating categories, the Chase Freedom Flex℠ may be the card for you. Cardholders earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%) and 1% cash back on all other purchases. The cash-back calendar changes every quarter. (Learn more about how Chase classifies bonus category purchases.)

In addition to rotating rewards, you can earn 5% cash back on travel booked through the Chase Ultimate Rewards® portal, 3% cash back on dining at restaurants and at drug stores and 1% cash back on all other purchases.

Beyond rewards, you can take advantage of no annual fee and a competitive no-interest period for the first 15 months from account opening on new purchases and balance transfers (after, 15.24% to 23.99% variable APR). There's an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that it's either $5 or 5% of the amount of each transfer, whichever is greater.

The Freedom card also provides select partner benefits, such as 5% cash back on Lyft purchases through March 2025 and complimentary three months of DashPass, plus 50% off for the next nine months when you activate by December 2024. This perk provides you with free delivery on DoorDash orders over $12 and lower service fees.

If you don't want to deal with rotating bonus categories and rewards activation, consider the Chase Freedom Unlimited®, our pick for best no-annual-fee Chase card.

Best no-annual-fee card

Chase Freedom Unlimited®

On Chase's secure site
  • Rewards

    Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 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

  • Welcome bonus

    Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

  • Annual fee

    $0

  • Intro APR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

    15.24% to 23.99% variable

  • Balance transfer fee

    Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3% of each transaction in U.S. dollars

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • No annual fee
  • Rewards can be transferred to a Chase Ultimate Rewards card
  • Generous welcome bonus

Cons

  • 3% fee charged on foreign transactions

Who's this for? Consumers who want a simple rewards program that doesn't require much optimizing should consider the Chase Freedom Unlimited® Card. Cardholders earn 5% cash back on travel purchased through Chase, 3% on dining at restaurants, including takeout, and drugstores and 1.5% on all other purchases.

If you want to maximize rewards within the first few months of account opening, there's a generous welcome bonus: On up to $20,000 spent in the first year, cardholders earn an additional 1.5% on all categories.

While the Chase Freedom Unlimited card has a different cash-back program from the Freedom Flex card, it also has no annual fee and special financing. You can benefit from a 0% APR for the first 15 months on new purchases and balance transfers (after, 15.24% to 23.99% variable APR). There's an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that it's either $5 or 5% of the amount of each transfer, whichever is greater.

Best travel card

Chase Sapphire Preferred® Card

On Chase's secure site
  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchases

  • Welcome bonus

    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    16.24% - 23.24% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • Points are worth 25% more when redeemed for travel via Chase Ultimate Rewards®
  • Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
  • Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
  • No fee charged on purchases made outside the U.S.

Cons

  • $95 annual fee
  • No introductory 0% APR
  • Estimated rewards earned after 1 year: $1,506
  • Estimated rewards earned after 5 years: $2,528

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? Frequent travelers can benefit from a competitive rewards program and more value on travel redemptions with the Chase Sapphire Preferred credit card. Cardholders earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases for a reasonable $95 annual fee.

Plus, you can earn a welcome bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. The 80,000 bonus points are worth up to $1,000 if you redeem points for travel via Chase Ultimate Rewards® portal.

Points are worth 25% more when redeemed toward airfare, hotels, car rentals and cruises through the CUR portal. This unique benefit is a great way to maximize the value of rewards.

Aside from rewards, cardholders can benefit from a variety of travel perks, such as a $50 annual Ultimate Rewards Hotel Credit, no foreign transaction fees, trip cancellation/interruption insurance, auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement.

If you're looking for a luxury travel card with enhanced rewards and benefits, check out the Chase Sapphire Reserve® below.

Best luxury travel card

Chase Sapphire Reserve®

On Chase's secure site
  • Rewards

    Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

  • Welcome bonus

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

  • Annual fee

    $550

  • Intro APR

    None

  • Regular APR

    17.24% - 24.24% variable

  • Balance transfer fee

    5%, minimum $5

  • Foreign transaction fee

    None

  • Credit needed

    Excellent

See our methodology, terms apply.

Pros

  • $300 annual travel credit for travel purchases
  • Global Entry or TSA PreCheck application fee credit up to $100 every four years
  • Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
  • Points are worth 50% more when redeemed for travel via Chase Ultimate Rewards®
  • Special benefits at The Luxury Hotel & Resort Collection
  • Complimentary year of Lyft Pink membership

Cons

  • High annual fee, but it can be offset by taking advantage of all the card’s perks
  • No introductory APR
  • Estimated rewards earned after 1 year: $1,469
  • Estimated rewards earned after 5 years: $3,346

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The Chase Sapphire Reserve is the beefed-up version of the Sapphire Preferred card, with more robust rewards and benefits programs that are suitable for people looking to travel in luxury. Cardholders earn 5X points on air travel and 10X points on hotels and car rentals when purchased through Chase Ultimate Rewards. They also earn 3X points on other travel and dining and 1X point on all other purchases.

You'll also receive a $300 annual statement credit to apply to qualifying travel expenses, such as airfare, hotels, tolls and more. This credit can help you upgrade to an extra-space seat or offset the cost of staying another night at a hotel.

Another benefit for frequent fliers is a statement credit of up to $100 every four years for Global Entry or TSA PreCheck application fees. And if you want to relax before a flight, the Sapphire Reserve's complimentary Priority Pass Select membership gives you access to more than 1,000 airport lounges worldwide with free amenities, such as Wi-Fi, snacks and beverages.

When it comes to lodging, you can book through the Luxury Hotel & Resort Collection to take advantage of upgrades upon arrival, complimentary breakfast for two, flexible check-in times, extra amenities and special discounts (upon availability).

Keep in mind the Sapphire Reserve has a steep $550 annual fee, which is in line with other premium credit cards and can be offset by the numerous statement credit offers. Though that doesn't mean it makes sense for everyone. If you want a lower annual fee, consider the Sapphire Preferred ($95 a year).

Best business card

Ink Business Cash® Credit Card

On Chase's secure site
  • Rewards

    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 (then 1%); 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%); 1% cash back on all other purchases

  • Welcome bonus

    Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening

  • Annual fee

    $0

  • Intro APR

    0% for the first 12 months from account opening on purchases; N/A for balance transfers

  • Regular APR

    13.49% to 19.49% variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    3%

  • Credit needed

    Good/Excellent

Terms apply.

Pros

  • No annual fee
  • Free employee cards
  • Cash back geared toward popular business expenses
  • Special financing offer for purchases

Cons

  • 3% fee charged on purchases made outside the U.S.

Who's this for? Small business owners have a lot on their plate, but expenses can be simplified with a small business card, such as the Ink Business Cash® Credit Card. This card has no annual fee and allows you to open employee cards at no additional cost with the ability to set individual spending limits.

All purchases made by you and your employees earn cash back geared toward common business expenses: 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 (then 1%) as well as 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%). All other purchases earn 1% cash back.

The Ink Business Cash Credit Card provides helpful travel perks, such as no foreign transaction fees, auto rental collision damage waiver and trip cancellation/trip interruption insurance.

This card also comes with purchase protection and extended warranty protection.

Our methodology

To determine which credit cards offer the best value for various categories, Select analyzed Chase credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Don't miss: Chase adds limited-time benefits to Sapphire cards with new Pay Yourself Back feature

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.