Chase credit cards are known for strong rewards, travel benefits, and flexible cashback options.
With a range of cards to match different spending habits, Chase makes it easy to earn value on your purchases.
This guide covers the best Chase credit cards for rewards, travel, and cashback, including key features, benefits, rates, and fees.
Best Chase Cards for Travel
Chase credit cards offer valuable perks, such as bonus points, travel protections, and airport lounge access if you travel often.
These cards help you earn more on travel purchases and make your trips smoother and more rewarding. Here are the best Chase cards for travel:
Chase Sapphire Preferred® Card
- Rewards: 2x points on travel and dining, 1x on other purchases
- Benefits: Trip cancellation/interruption insurance, rental car coverage, no foreign transaction fees
- Annual Fee: $95
- APR: 21.49%–28.49% variable
- Why It’s Good: Great value with strong travel perks and flexible point redemption
Chase Sapphire Reserve®
- Rewards: 3x points on travel and dining, 1x on other purchases
- Benefits: $300 annual travel credit, Priority Pass lounge access, TSA PreCheck/Global Entry credit
- Annual Fee: $550
- APR: 22.49%–29.49% variable
- Why It’s Good: Ideal for frequent travelers who want premium perks and top-tier rewards
Ink Business Preferred® Credit Card
- Rewards: 3x points on travel and select business categories (up to $150,000 per year)
- Benefits: Travel protections, cell phone insurance, points transfer to travel partners
- Annual Fee: $95
- APR: 21.24%–26.24% variable
- Why It’s Good: This is a strong option for business owners who travel regularly and want flexible rewards
Best Chase Cards for Cashback
If you prefer straightforward savings, Chase cashback cards are a great way to earn money back on your everyday purchases.
These cards offer competitive rates on categories like groceries, gas, and dining, with no complicated point systems. Here are the best Chase cards for cashback:
Chase Freedom Flex℠
- Rewards: 5% cash back on rotating quarterly categories (up to $1,500), 3% on dining and drugstores, 1% on other purchases
- Benefits: No annual fee, access to Ultimate Rewards®, cell phone protection
- Annual Fee: $0
- APR: 20.49%–29.24% variable
- Why It’s Good: Great for maximizing cashback in changing bonus categories
Chase Freedom Unlimited®
- Rewards: 1.5% cash back on all purchases, 3% on dining and drugstores
- Benefits: Simple flat-rate structure, flexible redemption, no annual fee
- Annual Fee: $0
- APR: 20.49%–29.24% variable
- Why It’s Good: Perfect for everyday use and consistent cashback
Ink Business Cash® Credit Card
- Rewards: 5% cash back on office supplies and internet/cable/phone services (up to $25,000/year), 2% at gas stations and restaurants
- Benefits: Employee cards at no extra cost, no annual fee, great for business expenses
- Annual Fee: $0
- APR: 18.49%–24.49% variable
- Why It’s Good: Excellent option for small businesses focused on everyday cashback
Best Chase Card for Rewards
Chase rewards cards are a smart choice if you want to earn flexible points for every dollar you spend.
These cards earn Chase Ultimate Rewards® points, redeemable for travel, cash back, or transfers. Here are the top Chase cards for rewards:
Chase Sapphire Preferred® Card
- Rewards: 2x points on travel and dining, 1x on other purchases
- Benefits: Flexible redemption options, trip protections, no foreign transaction fees
- Annual Fee: $95
- APR: 21.49%–28.49% variable
- Why It’s Good: Strong value for both travel and everyday rewards, with a solid welcome bonus
Chase Sapphire Reserve®
- Rewards: 3x points on travel and dining, 1x on other purchases
- Benefits: $300 travel credit, lounge access, TSA PreCheck/Global Entry credit
- Annual Fee: $550
- APR: 22.49%–29.49% variable
- Why It’s Good: Best for frequent travelers who want premium rewards and top-tier perks
Chase Freedom Unlimited®
- Rewards: 1.5% cash back on all purchases (as Ultimate Rewards® points), 3% on dining and drugstores
- Benefits: No annual fee, intro APR, flexible point redemptions
- Annual Fee: $0
- APR: 20.49%–29.24% variable
- Why It’s Good: Great for those who want to earn rewards on everything without tracking categories
Ink Business Preferred® Credit Card
- Rewards: 3x points on travel, shipping, internet/cable/phone, and advertising (up to $150,000 per year)
- Benefits: Cell phone protection, transfer points to travel partners, high business rewards potential
- Annual Fee: $95
- APR: 21.24%–26.24% variable
- Why It’s Good: Designed for business owners who want high reward rates and travel flexibility
Best No-Annual-Fee Chase Cards
Chase offers several strong options if you want to earn rewards without paying a yearly fee.
These cards offer cash back or points, useful perks, and no annual fee—great for budget-conscious users. Here are the best no-annual-fee Chase cards:
Chase Freedom Unlimited®
- Rewards: 1.5% cash back on all purchases, 3% on dining and drugstores
- Benefits: No annual fee, intro APR offer, flexible point redemption
- Annual Fee: $0
- APR: 20.49%–29.24% variable
- Why It’s Good: Simple and steady cashback across all purchases
Chase Freedom Flex℠
- Rewards: 5% cash back on quarterly rotating categories, 3% on dining and drugstores, 1% on other purchases
- Benefits: Bonus category tracking, no annual fee, cell phone protection
- Annual Fee: $0
- APR: 20.49%–29.24% variable
- Why It’s Good: Great if you want to maximize cash back in changing categories
Ink Business Cash® Credit Card
- Rewards: 5% on office supplies and select utilities, 2% at restaurants and gas stations
- Benefits: Strong for small business expenses, employee cards at no extra cost
- Annual Fee: $0
- APR: 18.49%–24.49% variable
- Why It’s Good: Business-focused rewards without any fee
How to Pick the Right Chase Credit Card
With several Chase credit cards available, it is important to match the card’s features with your financial goals and lifestyle.
Use these tips to find the best fit:
- Know Your Spending Habits: Focus on where you spend most—travel, groceries, or dining. Choose a card that matches those areas.
- Consider the Annual Fee: Want to avoid fees? Pick a no-annual-fee card. If you spend more, a premium card may be worth it.
- Check the Rewards Structure: Some cards earn flat-rate rewards, and others give bonuses in specific categories. Pick what suits your style.
- Think About Redemption Options: Choose cashback, travel, or transfer points. Go with what you’ll use.
- Review Credit Requirements: Most cards require good credit. Check your score before applying to boost approval chances.
How to Apply
Applying for a Chase card is simple, but preparing ahead can improve your chances of approval.
Follow these steps to apply quickly and confidently:
- Check Your Credit Score: Most Chase cards require good to excellent credit. Aim for a score of 670 or higher.
- Compare Card Options: Review rewards, fees, and benefits to choose the best fit for your needs.
- Gather Personal Info: Have your Social Security number, income details, and employment info ready.
- Apply Online: Visit the official Chase website and complete the application form for your chosen card.
- Wait for a Decision: You may get an instant answer, or Chase might take a few days to review your application.
Contact Information
Need help with your Chase credit card? Use the contact details below for support or payments.
- General Customer Service (Personal Credit Cards): 1-800-432-3117
- General Correspondence: Chase, Mail Code LA4-6475, 700 Kansas Lane, Monroe, LA 71203
Final Thoughts
Chase credit cards offer strong value through rewards, travel perks, and no-annual-fee options.
With the right card, you can earn more from your everyday spending.
Explore your choices and apply now to maximize Chase’s top benefits.
Disclaimer
Information in this article is for general purposes only and may not reflect the most current card terms or offers.
Before applying, check the official Chase website for the latest rates, fees, and eligibility requirements.
