Best Chase Credit Cards

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With its generous rewards programs and ample signup bonuses, Chase’s family of credit cards provide plenty of good options for those looking to get their first credit card or expand their existing credit card benefits in a more targeted way.

But which Chase credit card should you get? That all depends on a number of factors, including whether you’d like your rewards in the form of points or cash back, or if you’re using it for work or business, things like that. Do you want a card with no annual fee? Or do you want to take advantage of rewards rates on purchases you make most often?

 In order to answer these questions, we’ve gone through a no-frills breakdown of some of Chase’s most popular cards to see which ones stand out for which reasons. As long as you know what kind of card you’re looking for, you may find the best Chase credit card for your needs here.

Chase Ink Business Cash Card

On Chase's home portal

700-750
Best for good credit

Highlight: $0​​​​ annual fees and 0% introductory APR
  • 0% intro APR
     
  • No annual fees

  • $300 welcome bonus (with conditions)

  • 5% cash back on office supplies
     
  • 2% cash back on gas and restaurants

  • 1% cash back on all other purchases

  • Employee cards at no additional cost

  • Zero liability protection

Intro APR

0%

Variable APR

17.24% – 22.24%

Annual Fee

$0

Cash Back

1% - 5%

Why It's Good

Nothing’s better than knowing you’ll never stop earning rewards on your credit card. The Chase Freedom Unlimited may not have the most robust rewards system in place, but it’s a simple, effective card that focuses on giving you a modest 1.5% cash back reward. That’s every single purchase, in perpetuity.

There’s a no-nonsense simplicity to the Chase Freedom Unlimited card that makes it one of the best Chase credit cards out there. While other cards in the Freedom line offer tiered cash back rewards that give you more for certain purchases (see below), there’s something liberating about not having to worry about micromanaging your purchases to maximizing rewards.

What’s more, Chase makes it easier to get started with this card than some of the other options listed here. There’s no annual fee, and a 0% introductory APR for 15 months, making the barrier to entry fairly low for new cardholders. This makes it doubly easy for someone who wants to keep it simple with their credit card usage, along with the consistent, single-tier rewards plan.

If you’re looking to put in the extra work to squeeze every bit of rewards magic out of your cash back card, the Freedom Unlimited may not be for you. For those looking for a more hands-off approach to their card use, the perpetual rewards and lack of complexity might make this the perfect Chase card for them.

Chase Freedom Credit Card

Chase Freedom Card

On Chase's home portal

700-750
Best for good credit

Highlight: Nice $150 bonus, no annual fee, and solid cash back bonuses
  • $0 annual fee

  • 0% introductory APR (15 mo)

  • $150 bonus (after spending $500 in first 3 months)

  • Unlimited 1% cash back on all purchases

  • 5% cash back in bonus categories

  • No expiration on cashback rewards

  • Zero liability and fraud protection

  • Extended warranty and purchase protection

Intro APR

0%

Variable APR

16.24% - 24.99%

Annual Fee

$0

Cash Back

1% - 5%

Why It's Good

Unlike the Chase Freedom Unlimited (see above), the original Chase Freedom is a bit more complex. It’s got a tiered cash back rewards system – you get unlimited 1% cash back on most ordinary purchases, but 5% back on a rotating set of categories that changes out every quarter, which can range from everything from gas to restaurants to travel expenses.

Apart from this major difference, though, the structures of both the Freedom and Freedom Unlimited are roughly the same. The Chase Freedom also offers you no annual fee and 15 months of no interest upon signing, as well as a $150 sign up bonus (if you spend $500 in the first three months of membership).

Like most Chase cards on this list, the Chase Freedom is best used in conjunction with other cards through the Chase Ultimate Rewards system. Between your various Chase cards, you can pool your points and cash back, redeeming them through whatever card gives you the most value for whatever you’re purchasing.

The Chase Freedom card might be the best Chase credit card for cash-back cardholders who are willing to put in the legwork to get the most rewards for their purchases. If you’re the kind of person who will take advantage of Chase’s rewards rotation calendar (which they helpfully post on their website), you can accumulate quite a bit in cash back rewards.

Chase Sapphire Preferred Card

Chase Sapphire Preferred Credit Card

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: Generous 60,000-point welcome bonus, good travel perks
  • $0 fee for the first year

  • 2x points on travel and dining expenses

  • $95 annual fee

  • 60,000 bonus point welcome bonus

  • 25% additional travel redemption

  • 1:1 point transfer through Ultimate Rewards

  • No foreign transaction fees

Intro APR

None

Variable APR

17.24% - 24.24%

Annual Fee

$95

Main Perk

Travel

Why It's Good

On the surface, the Chase Sapphire Preferred doesn’t have quite as many bells and whistles as other cards on this list. For the most part, you can find many of its benefits on most other Chase cards – upgraded rewards points, a robust signup bonus (60,000 points if you spent $4,000 on purchases in the first 3 months of membership), and more.

However, the secret weapon to the Chase Sapphire Preferred is its synergy with Chase’s Ultimate Rewards Program, especially when it comes to travel. See, if you own another Chase card (like one of the others on this list), you can use Chase Ultimate Rewards to pool all your rewards and cash back points.

Where does the Sapphire Preferred come in? If you redeem the points for travel through the Ultimate Rewards program, not only do you earn twice the points, your points stretch 25% further. If you get that 60,000 point bonus, for instance, it’s instantly worth $750 worth of travel expenses through the Sapphire Preferred.

Cardholders get a lot more amenities when it comes to traveling, too. You can get trip cancellation or interruption insurance when your trip is canceled, or reimbursement when your trip experiences delays. You can even get baggage delay insurance, as well as auto rental collision damage waivers.

These little touches make the Sapphire Preferred more valuable than its modest rewards tiers. While you might be able to earn bigger and better rewards through other cards on this list, you’d be hard pressed to spend them more efficiently than with this card.

Chase Freedom Unlimited

On Chase's home portal

640 - 700
Best for fair credit

Highlight: Nice cash back rewards and a solid introductory APR
  • No annual fee

  • 0% introductory APR over a year

  • Unlimited 1.5% cash back on every purchase

  • No expiration on cash back rewards

  • $150 welcome bonus

  • Option to Pool rewards with Chase Ultimate Rewards

Intro APR

0%

Variable APR

16.24% - 24.99%

Annual Fee

$0

Cash Back

1.5%

Why It's Good

Nothing’s better than knowing you’ll never stop earning rewards on your credit card. The Chase Freedom Unlimited may not have the most robust rewards system in place, but it’s a simple, effective card that focuses on giving you a modest 1.5% cash back reward. That’s every single purchase, in perpetuity.

There’s a no-nonsense simplicity to the Chase Freedom Unlimited card that makes it one of the best Chase credit cards out there. While other cards in the Freedom line offer tiered cash back rewards that give you more for certain purchases (see below), there’s something liberating about not having to worry about micromanaging your purchases to maximizing rewards.

What’s more, Chase makes it easier to get started with this card than some of the other options listed here. There’s no annual fee, and a 0% introductory APR for 15 months, making the barrier to entry fairly low for new cardholders. This makes it doubly easy for someone who wants to keep it simple with their credit card usage, along with the consistent, single-tier rewards plan.

If you’re looking to put in the extra work to squeeze every bit of rewards magic out of your cash back card, the Freedom Unlimited may not be for you. For those looking for a more hands-off approach to their card use, the perpetual rewards and lack of complexity might make this the perfect Chase card for them.

Chase Ink Business Preferred

Chase Ink Business Preferred

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: Solid 80,000-point sign-on bonus, employee cards at no cost
  • $95 annual fee

  • 17.24% - 22.24% variable APR

  • Reward type: points

  • 80,000 point sign-up bonus

  • No foreign transaction fees

  • Employee cards for no additional cost

Intro APR

None

Variable APR

17.24% - 22.24%

Annual Fee

$95

Reward Type

Points

Why It's Good

Like the Ink Business Cash card, the Ink Business Preferred is a great option for small business owners hoping to get the most out of their business expenses. However, unlike the Ink Cash’s focus on cash back rewards, you get points that you can redeem either through this card, or pooled with your Chase Ultimate Rewards account to get even more value out of them.

The Ink Business Preferred is great for small business owners who want to get extra rewards points for spending on select categories – while the card sports an unlimited 1:1 points system (1 point for every dollar), certain spending categories get you 3 times the points. That’s a good way to make the most out of targeted spending.

Not only that, the Ink Cash provides a bevy of other amenities that the small business owner might find appealing. There are no foreign transaction fees, which is a big help when traveling. Most notably, the Ink Cash card provides protection to your cell phone, as well as rental car collision damage waiver protection – two more incentives for frequent travelers to invest in the card.

Unlike the Ink Cash, the Ink Business Preferred has a $95 annual fee, which is a slight ding against the potential value of the card. However, as fees go, it’s on the lower side, and the sheer amount of rewards you can get from the card may well make the fee worth it.

The Ink Business Cash card might be the best Chase credit card for people who travel for business on a regular basis. Its travel-centric rewards are nice and are often the spending categories you can get more rewards for. If you want a solid business credit card and prefer points to cash back, you can’t go wrong with this one.

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