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Chase Overall Rating
Chase Pros and Cons
Chase Banking Review
Compare Chase Banking
0.01% effective as of 7/1/2022. Interest rates are variable and subject to change
0.01% effective as of 02/24/2022. Interest rates are variable and subject to change
0.01% to 5.00% (vary by location)
Chase Savings℠
Chase Savings℠
Fees
$5 monthly service fee
Annual Percentage Yield (APY)
0.01% (as of 3/24/2023)
Minimum Deposit Amount
$0
- No minimum opening deposit
- Relatively easy to waive $5 monthly fee
- Link to a Chase checking account for free overdraft protection
- Low APY
- Interest compounded monthly, not daily
- $5 monthly service fee
Product Details
- Access to 15,000 Chase ATMs and over 4,700 branches
- Link this account to your Chase checking account for Overdraft Protection
- Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
- Manage your accounts, deposit checks, transfer money and more — all from your device
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Member FDIC
See Insider’s Chase Savings Review.
Chase Premier Savings℠ Account
Chase Premier Savings℠ Account
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01% to 0.02%
Minimum Deposit Amount
$25
- Earn slightly better APY with relationship rates
- Link to a Chase checking account for free overdraft protection
- Low APY
- $25 monthly fee
Product Details
- Access to 15,000 ATMs and over 4,700 branches
- Earn a standard rate on 0.01% APY; Earn a relationship rate of 0.02% APY when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account AND make 5 monthly transactions from your linked checking account
- Waive $25 monthly maintenance fee when you maintain a $15,000 daily balance, OR when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account
- Chase Mobile® app: Manage your accounts, deposit checks, transfer money and more — all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com
See Insider’s Chase Premier Savings Review.
Chase has a traditional savings account and a premium savings account. The main downside to both accounts is that they pay low savings rates.
According to the FDIC, the average savings account in the US has an interest rate of 0.40% APY. If you are looking to earn a more competitive interest rate, read through our best savings account guide.
Chase Total Checking®
Chase Total Checking®
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
- No required opening deposit
- Over 4,700 branches
- $200 sign-up bonus
- Free overdraft protection when you link to savings for automatic transfers
- $12 monthly fee unless you meet direct deposit or minimum balance requirements
- Fee for non-Chase ATMs
- 3% foreign transaction fee
- $34 overdraft and non-sufficient funds fees (no fee if you’re overdrawn by $50 or less at the end of the business day)
Product Details
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app – Manage your accounts, deposit checks, transfer money and more — all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fee if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- *With Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
See Insider’s Chase Total Checking Review.
Chase Secure Banking℠
Chase Secure Banking℠
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
- No minimum opening deposit
- No overdraft fees
- Free money orders and cashier’s checks
- Early direct deposit (up to 2 days early)
- $100 bonus
- $4.95 monthly service fee, no option to waive
- No overdraft protection
- $3 fee for using an out-of-network ATM
- Does not include paper checks
- No wire transfers to or from this account with qualifying transactions
The Insider’s Take
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn’t matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Product Details
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started.
- No overdraft fees with a Chase debit card that helps you stay within your balance.
- Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
See Insider’s Chase Secure Banking Review.
Chase Premier Plus Checking℠
Chase Premier Plus Checking℠
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01% effective as of 7/1/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
- No required opening deposit
- Over 4,700 branches
- Four waived out-of-network fees per month
- Free Chase design checks, cashier’s checks, and money orders
- Waive monthly fees on 2 other Chase checking accounts when linked to this account, and to Chase savings accounts excluding Chase Private Client Savings
- Possible to waive monthly service fee
- Enroll in free overdraft protection that moves money from savings to checking
- Chase Overdraft Assist lets you overdraw by up to $50 without paying a fee
- $25 monthly fee unless you qualify to waive it
- $3 fee for out-of-network ATMs
- $34 overdraft and non-sufficient funds fees
- Doesn’t refund any fees charged by out-of-network ATMs
Product Details
- The $25 monthly service fee is waived when you have an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account OR for current servicemembers and veterans of the U.S. Armed Forces with a qualifying military ID
- No Chase fee on first four non-Chase ATM transactions per statement period
- Earn interest on your checking account balance
- Access to 15,000 Chase ATMs and over 4,700 branches
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.
See Insider’s Chase Premier Plus Checking Review.
Chase Sapphire℠ Banking
Chase Sapphire℠ Banking
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01% effective as of 02/24/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
None
- No required opening deposit
- Over 4,700 branches
- No out-of-network ATM fees worldwide
- Unlimited out-of-network ATM fee reimbursements
- No foreign exchange rate adjustment fees
- No incoming or outgoing wire transfer fees
- No stop payment fees
- No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods, combined
- Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Banking (excluding Chase Private Client Checking and Savings)
- Enroll in free overdraft protection to move money from savings to checking
- Overdraft Assist lets you overdraw by up to $50 without charging a fee
- Exclusive entertainment and sports event benefits
- $25 monthly fee unless you have a combined $75,000 in Chase Sapphire and other qualified Chase accounts
- $34 overdraft and non-sufficient funds fees
Product Details
- The information related to the Chase Sapphire℠ Banking has been collected by Business Insider and has not been reviewed by the issuer
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app – Manage your accounts, deposit checks, transfer money and more — all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Waive $25 monthly service fee by maintaining an average daily balance of $75,000 combined in all of your Chase bank accounts and partner investment accounts
See Insider’s Chase Sapphire Banking Review.
Chase Private Client Checking℠
Chase Private Client Checking℠
Fees
$35 monthly service fee
Annual Percentage Yield (APY)
0.01% as of 06/30/2023
Minimum Deposit Amount
None
- Earn up to $3,000 cash bonus
- No foreign exchange rate adjustment fees
- Unlimited out-of-network ATM fee refunds
- No fees on the first 4 overdrafts during the current and previous 12 statement periods
- No incoming or outgoing wire transfer fees
- Higher deposit and withdrawal limits than other Chase checking accounts
- Free personalized checks
- Access to a Chase Private Banker
- Access to a Business Relationship Manager
- Access to exclusive offers on sport and entertainment events
- Discounts on home and auto loans
- You must have $150,000 in this account and any eligible linked Chase bank and investment accounts to qualify
- $35 monthly service fee, unless you qualify to waive it
- $34 overdraft and non-sufficient funds fees
Product Details
- You’re eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- To waive $35 monthly service fee, maintain a minimum $150,000 balance in a combination of this account, eligible linked Chase bank accounts, and eligible investment accounts, OR link to a Chase Platinum Business Checking℠ account.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers; can be completed online or over the phone.
- Experience a financial relationship that brings you more.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
See Insider’s Chase Private Client Checking Review.
Chase has a variety of checking accounts. The best option for you will likely depend on the features you prioritize most in a checking account and whether you meet the requirements for monthly service fees.
It should be noted that Chase Private Client Checking, Chase Total Checking, and Chase Secure Banking are all listed in our best bank account bonuses guide. These accounts have cash bonuses for new customers.
See Insider’s comprehensive Chase Checking Accounts Review.
Chase CD
Chase CD
Annual Percentage Yield (APY)
0.01% to 5.00% (vary by location)
Minimum Deposit Amount
$1,000
- CD terms up to 10 years
- Compounds interest daily
- Low APY
- $1,000 opening deposit
- You must have a checking or savings account to open a CD online
Product Details
- Terms ranging from 1 month to 10 years
- Early withdrawal penalties ranging from 90 to 365 days interest
- All balances and terms earn a standard rate of 0.01% APY
- You can only open a CD online if you already have a Chase checking or savings account, otherwise visit a branch
- FDIC insured
See Insider’s Chase CD Review.
Chase has CD terms from one month to 10 years, which is a greater variety than most banks offer.
The standard interest rate is the same as the savings account’s rate, but you’ll earn a better “relationship rate” if you also have a Chase checking account. Online banks and credit unions pay higher interest rates overall, though.
Chase First Banking℠ Account
Chase First Banking℠ Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
- No minimum opening deposit
- No monthly service fees
- Debit card included
- Savings tools to help kids set goals
- Parental monitoring tools that let you set up alerts or limits on purchases
- Unable to earn interest on account
- Fee for non-Chase ATMs
See Insider’s Chase First Banking Review.
Chase High School Checking
Chase High School Checking
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
- No minimum opening deposit
- No monthly service fees
- Debit card included
- Budgeting tools and alters to help teens save
- Parental monitoring features to track spending
- Non-US citizens are eligible to open an account in any Chase branch
- $2.50 out-of-network ATM fee
- Standard Overdraft Practice is not available
- Parent must have a qualifying checking account
Product Details
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Account must be linked to a parent/guardian’s personal checking account (Chase High School Checking, Chase College Checking, Chase Secure Checking and Chase First Checking do not apply)
- Chase High Checking account converts into a Chase Total Checking Account after you turn 19
- Member FDIC
Chase College Checking℠
Chase College Checking℠
Fees
$6 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
- No monthly maintenance fee for a Chase savings account linked to this account
- No required opening deposit
- Over 4,700 branches
- Relatively easy to waive monthly fee
- $6 monthly maintenance fee
- $3 to $5 out-of-network ATM fee
- No out-of-network ATM fee reimbursements
- 3% foreign transaction fee
- $34 overdraft and non-sufficient funds fees
Product Details
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- No Monthly Service Fee for up to 5 years if you’re a student between the ages of 17-24 at account opening with proof of student status.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number and 17-year-olds can only open an account at a branch.
- Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
- Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- Access to more than 15,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- Chase Overdraft Assist℠ – no overdraft fee if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- *With Chase Overdraft Assist℠, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
Chase could be a good option if you’re looking for banking options for kids, teens, or college students. Chase First Banking℠ is a top pick in our best kid’s savings accounts guide because it has useful management features for both kids and parents.
Chase College Checking℠ is also included in our guide for best bank accounts for college students because of easy branch and ATM access. You can also earn a bonus of $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
Chase Personal Credit Cards Review
Compare Chase Personal Credit Cards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Earn 1% cash back on all purchases
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership and on purchases made through Chase Travel. Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.
Earn 3% back at Amazon.com and Whole Foods Market and on purchases made through Chase Travel. Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.
Earn 2X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
$0 intro for the first year, then $95
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
Earn 3x points for each dollar spent on grocery stores, dining at restaurants, and Air Canada directly. Earn 1x points for each dollar spent on all other purchases.
Earn up to 17X points on purchases at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.
Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
Earn up to 17 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
Earn 4% back on DoorDash and Caviar orders with no earning cap, 3% back on dining when purchased directly from a restaurant, 2% cash back on purchases from grocery stores, online or in person, 1% cash back on all other purchases.
Earn 5% cash back on Instacart.com and Instacart app purchases. Earn 5% cash back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more. Earn 2% cash back at restaurants, gas stations, and on select streaming services. Earn 1% cash back on all other purchases.
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
20.49% – 29.24% Variable
Earn up to $300 cash back
Recommended Credit
Good to Excellent
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
- Some other cards offer a higher rate of cash back on certain types of purchases
Product Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.
- 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 20.49% – 29.24%.
- 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, real-time alerts, and more.
- Member FDIC
See Insider’s Chase Freedom Unlimited Review.
Chase Freedom Flex℠
Chase Freedom Flex℠
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
20.49% – 29.24% Variable
Earn $200 cash bonus plus 5% cash back on grocery store purchases
Recommended Credit
Good to Excellent
- No annual fee
- Generous bonus cash-back categories
- Great welcome bonus
- Booking through Chase Ultimate Rewards portal can restrict outside earning potential
- Varying percentages and rotating calendar categories require extra attention
- 3% foreign transaction fees
See Insider’s Chase Freedom Flex Review.
Chase Freedom® Student credit card
Chase Freedom® Student credit card
Regular APR
19.74% Variable
Recommended Credit
Good to Excellent
- $20 Good Standing rewards (2,000 points) after each account anniversary year for the first five years
- Potential to earn a credit limit increase after making on-time payments
- Solid benefits for a no-annual-fee student card, including purchase protection, extended warranty, and trip cancellation/interruption insurance
- Only earns 1% cash back on most purchases
- Foreign transaction fees
- Some student cards offer a higher welcome bonus
See Insider’s Chase Freedom Student Credit Card Review.
Chase Slate Edge℠
Chase Slate Edge℠
Intro APR
0% intro APR on purchases and balance transfers for 18 months from account opening
Regular APR
20.49% – 29.24% Variable
Recommended Credit
Good to Excellent
- Introductory APR on purchases and balance transfers for the first 18 months
- No annual fee
- Potential for automatic consideration for credit limit increases and purchase APR reductions
- Card doesn’t earn rewards beyond the welcome bonus
- Other cards have longer intro APR offers
- Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments
Product Details
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% – 29.24% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. 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.
- 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.
- All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate Edge℠ 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
See Insider’s Chase Slate Edge Credit Card Review.
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Regular APR
21.49% – 28.49% Variable
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
See Insider’s Chase Sapphire Preferred Credit Card Review.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Regular APR
22.49% – 29.49% Variable
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights 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
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
See Insider’s Chase Sapphire Reserve Credit Card Review.
Prime Visa
Prime Visa
Regular APR
19.49% – 27.49% Variable
Earn $200 Amazon gift card
- 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
- Good travel benefits and purchase protections
- No annual fee
- Must be an Amazon Prime member to qualify
- Other cards offer higher cash-back rates on non-Amazon purchases
See Insider’s Amazon Prime Visa Credit Card Review.
Amazon Visa
Amazon Visa
Regular APR
18.99% – 26.99% variable
Earn a $60 Amazon gift card and up to $1,500 cash back
Recommended Credit
Good to Excellent
- Earn 3% back at Amazon, Whole Foods, and on travel booked through Chase
- Good travel benefits and purchase protections
- No annual fee or requirement to be an Amazon Prime member
- Other cards offer higher cash-back rates on non-Amazon purchases
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- Earns Southwest points on every purchase
- You get 3,000 points every year after your cardmember anniversary
- Charges foreign transaction fees
- Very limited benefits
Product Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
See Insider’s Southwest Rapid Rewards Plus Credit Card Review.
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- Generous annual benefits, including a Southwest travel credit and 7,500 points, plus upgraded boardings and in-flight discounts
- If you fly Southwest several times a year, the benefits easily outweigh the annual fee
- Annual fee is low compared to other premium airline credit cards
- Highest annual fee among Southwest consumer cards
Product Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
See Insider’s Southwest Rapid Rewards Priority Credit Card Review.
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- You get 6,000 points each year after anniversary
- You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
- Annual fee
Product Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 6,000 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- No foreign transaction fees.
- Member FDIC
See Insider’s Southwest Rapid Rewards Premier Credit Card Review.
United℠ Explorer Card
United℠ Explorer Card
Annual Fee
$0 intro for the first year, then $95
Regular APR
21.74% – 28.74% Variable
Recommended Credit
Good to Excellent
- Annual fee is waived the first year
- Earns bonus miles on several purchase categories, including dining
- Includes an application fee credit for Global Entry or TSA PreCheck
- Gets you a free checked bag on United when you pay with the card
- Not the most rewarding card for most non-United travel purchases
Product Details
- Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag – a savings of up to $140 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
- Member FDIC
See Insider’s United Explorer Card Review.
United Quest℠ Card
United Quest℠ Card
Regular APR
21.74% – 28.74% Variable
Earn 60,000 bonus miles and 500 Premier qualifying points
Recommended Credit
Good to Excellent
- Substantial intro bonus offer
- A free first and second checked bag can save you and a companion up to $320 round-trip
- Up to $125 in annual credits toward United® purchases can offset half the annual fee
- 5,000-mile award flight credit can help you stretch your United miles
- High $250 annual fee
- Card doesn’t offer United Club lounge access or passes
The Insider’s Take
The United℠ Explorer Card is a great way to save money and get better access to United awards while earning United MileagePlus miles with every dollar you spend. Regular United flyers will love a free first checked bag for the cardholder and a companion on each trip, a statement credit worth up to $100 every four years for TSA PreCheck, Global Entry, or NEXUS, and two one-time passes to the United Club each anniversary year.
Product Details
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
- Up to a $125 United® purchase credit and two 5,000-mile anniversary award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
- Member FDIC
See Insider’s United Quest Card Review.
United Gateway℠ Card
United Gateway℠ Card
Intro APR
0% intro APR on purchases for 12 months
Regular APR
21.74% – 28.74% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Good bonus categories (including gas stations and local transit/commuting)
- Access to expanded United award availability
- Other United credit cards have much higher welcome bonuses
- No free checked bag benefit like other United cards
- Few United perks other than 25% back on inflight purchases
Product Details
- Earn 20,000 bonus miles
- No annual fee
- Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
- Earn 2 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent at gas stations, on local transit and commuting
- Earn 1 mile per $1 spent on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Member FDIC
See Insider’s United Gateway Credit Card Review.
United Club℠ Infinite Card
United Club℠ Infinite Card
Regular APR
21.74% – 28.74% Variable
Recommended Credit
Excellent
- Great intro bonus offer
- If you want United Club membership, this card gets you it for less than buying it outright
- Get two free checked bags on United
- Earns 4x miles on United® purchases
- Steep annual fee, especially for an airline credit card
- The non-United bonus categories (travel and dining) only earn 2x miles
Product Details
- Earn 80,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
- Member FDIC
See Insider’s United Club Infinite Card Review.
Aeroplan® Credit Card
Aeroplan® Credit Card
Regular APR
21.74% – 28.74% Variable
Earn up to 100,000 bonus points
Recommended Credit
Good to Excellent
- Generous welcome bonus which you can use for Air Canada and Star Alliance partner award flights
- Free first checked bag on Air Canada flights for cardholder and up to eight companions
- Automatic Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year (priority check-in, early boarding, upgrades on Air Canada flights)
- Redeem points toward any travel purchase at 1.25 cents each through Pay Yourself Back
- After the first two calendar years, you’ll need to requalify for 25K elite status by spending $15,000 in a calendar year
- Card doesn’t offer airport lounge access or passes
Product Details
- Earn up to 100,000 bonus points
- Earn 75,000 points after you spend $4,000 on purchases in the first 3 months your account is open.
- Plus, 25,000 points after you spend $20,000 on purchases in the first 12 months.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC
See Insider’s Aeroplan Credit Card Review.
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
Regular APR
21.49% – 28.49% Variable
Earn 3 Free Night Awards (each night valued up to 50,000 points)
Recommended Credit
Good to Excellent
- Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
- The only lucrative bonus category is participating Marriott Bonvoy hotels
- Upgrading to Gold status requires spending $35,000 on the card in an account year
See Insider’s Marriott Bonvoy Boundless Credit Card Review.
Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bountiful™ Card
Regular APR
18.24% – 25.24% Variable
- Substantial welcome offer and 4x bonus points on dining worldwide and U.S. supermarkets
- Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays)
- Earn 1,000 bonus Marriott points per stay
- High annual fee
- No free night award after your account anniversary; must spend $15,000 in a year to earn
- 4x points capped at $15,000 in combined purchases on dining and U.S. supermarkets
See Insider’s Marriott Bonvoy Bountiful Card Review.
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Cardholders get 15 elite night credits toward status
- Only offers strong rewards for Marriott purchases
See Insider’s Marriott Bonvoy Bold Credit Card Review.
IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card
Regular APR
21.49% – 28.49% Variable
Earn 140,000 bonus miles and up to $100 in IHG® statement credits
Recommended Credit
Good to Excellent
- Anniversary reward night can be worth more than the annual fee
- Could offer better rewards on non-IHG purchases
Product Details
- Earn 140,000 Bonus Points plus up to $100 in IHG® statement credits.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Insider’s IHG One Rewards Premier Credit Credit Card Review.
IHG One Rewards Traveler Credit Card
IHG One Rewards Traveler Credit Card
Regular APR
21.49% – 28.49% Variable
Earn 80,000 bonus miles and up to $50 in IHG® statement credits
Recommended Credit
Good to Excellent
- No annual fee
- Great points earning for IHG stays
- No foreign transaction fees
- Not much in the way of perks beyond earning points
- Really only a good option for earning points on IHG stays
Product Details
- Earn 80,000 bonus points plus up to $50 in IHG® statement credits.
- No Annual Fee
- Earn up to 17 points total per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Insider’s IHG One Rewards Travel Credit Credit Card Review.
The World Of Hyatt Credit Card
The World Of Hyatt Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- Valuable annual reward night
- Hyatt points are valuable, and this card earns 2x points on several bonus categories
- If you spend a lot on this card, you can earn a second free night
- Not too many extra benefits
Product Details
- 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.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
See Insider’s World of Hyatt Credit Card Review.
British Airways Visa Signature® Card
British Airways Visa Signature® Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- 3 Avios per dollar on British Airways purchases is a generous earning rate
- You can receive up to $600 in statement credits per year when you book an award flight to London and pay the taxes and fees with this card
- Not the most rewarding card for non-British Airways purchases
Product Details
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
See Insider’s British Airways Visa Signature Credit Card Review.
Aer Lingus Visa Signature® Card
Aer Lingus Visa Signature® Card
Regular APR
21.24% – 28.24% Variable
Recommended Credit
Good to Excellent
- Substantial welcome bonus and generous earning rate on Aer Lingus, British Airways, Iberia, and LEVEL purchases
- Opportunity to earn a companion ticket each calendar year
- Companion ticket requires $30,000 in spending in a calendar year
Product Details
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
- Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you’ll receive a Commercial Companion Ticket good for 12 months
- You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
See Insider’s Aer Lingus Visa Signature Credit Card Review.
Iberia Visa Signature® Card
Iberia Visa Signature® Card
Regular APR
21.24% – 28.24% Variable
Recommended Credit
Good to Excellent
- Substantial welcome bonus and generous earning rate on Iberia, British Airways, Aer Lingus, and LEVEL purchases
- Opportunity to earn a $1,000 Iberia flight discount voucher each calendar year
- Discount voucher requires $30,000 in spending in a calendar year
Product Details
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
- Save 10% on Iberia flights purchased on iberia.com/Chase10
- Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
See Insider’s Iberia Signature Credit Card Review.
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
Regular APR
20.24% – 28.99% Variable
Recommended Credit
Good to Excellent
- Strong cash-back earning rates on DoorDash and dining purchases
- No annual fee or foreign transaction fees
- Complimentary DashPass membership and discounts/statement credits
- DashPass membership after the first year requires spending $10,000 on purchases
- The card’s best benefits aren’t useful if you don’t order from DoorDash often
- Welcome bonus offer isn’t as strong as some other no-annual-fee cash-back cards
Product Details
- With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).
- 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
- 3% cash back on dining when purchased directly from a restaurant. No earning caps.
- 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
- Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
- No annual card fee, just cash back on every purchase.
- As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month. Maximum discount of $15 per order. Offer expires 12/31/2023.
- Member FDIC
See Insider’s DoorDash Rewards Credit Card Review.
Instacart Mastercard®
Instacart Mastercard®
Regular APR
20.24% – 28.99% Variable
Earn $100 Instacart credit plus a free year of Instacart+ membership
Recommended Credit
Good to Excellent
- Earn 5% cash back on Instacart purchases
- New cardholders get statement credit for Instacart purchases, with no minimum spending requirement
- No annual fee
- Strong 2% cash-back categories including restaurants, gas, and select streaming services
- No foreign transaction fees
- Not the most rewarding card for grocery purchases if you don’t use Instacart
- 5% cash back on Chase Travel might not be valuable depending on where you usually book travel
Product Details
- Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- Earn 5% cash back on Instacart app and Instacart.com purchases
- Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
- Earn 2% cash back at restaurants, gas stations and on select streaming services
- Earn 1% cash back on all other purchases
- No annual card fee
See Insider’s Instacart Mastercard Review.
Chase has plethora of personal credit cards, many of which offer rewards for travel, dining, hotels, and more. In addition to the accounts listed above, the bank also offers two Disney rewards credit cards.
We have a guide on the best Chase credit cards, to help you determine the best options based on your needs.
Chase Business Credit Cards Review
Compare Chase Business Credit Cards
Earn 2.5% cash back on every purchase totaling $5,000 or more. Earn 2% cash back on all other business purchases. Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
Earn unlimited 1.5% cash back on purchases.
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.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.
Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
Earn 3X points on Southwest Airlines® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. 1 point per $1 spent on all other purchases.
$0 intro for the first year, then $99
Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Earn 2x miles on United Airlines purchases. Earn 1.5 miles per $1 spent on all other purchases.
Earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
Earn 9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Earn 2 Bonus Points per $1 spent on fitness club and gym memberships. Earn 1 Bonus Point per $1 spent on all other purchases.
Ink Business Premier Card
Ink Business Premier Card
Regular APR
19.49% – 27.49% Flex for Business Variable
- High welcome bonus and at least 2% cash back on every purchase
- 2.5% cash back on purchases of $5,000 or more
- Good travel and purchase benefits including cell phone protection
- Rewards can’t be turned into transferable Chase Ultimate Rewards points
- High annual fee
- Pay-in-full card means you’ll have to pay your balance in full each month or use Chase’s new Flex for Business financing option
The Insider’s Take
With a high annual fee and limited redemption options compared to other Chase Ink cards, this card is only a good fit for small businesses that regularly make purchases of $5,000 or more to trigger the highest reward rate. It could also be a good choice for those who need the higher spending potential offered by a pay-in-full card. For most small business owners, however, other Chase Ink cards are a better value.
See Insider’s Chase Ink Business Premier Credit Card Review.
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% – 24.49% Variable
Earn $750 bonus cash back
Recommended Credit
Good to Excellent
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
Product 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
- Member FDIC
See Insider’s Chase Ink Business Unlimited Credit Card Review.
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% – 24.49% Variable
Recommended Credit
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Product Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
- Member FDIC
See Insider’s Chase Ink Business Cash Credit Card Review.
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Regular APR
21.24% – 26.24% Variable
Recommended Credit
Good to Excellent
- High sign-up bonus
- Offers 3x bonus points on several spending categories, including travel and advertising purchases
- Includes comprehensive travel coverage
- Welcome bonus has a very high minimum spending requirement
Product Details
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- 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.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
See Insider’s Chase Ink Business Preferred Credit Card Review.
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- 4x bonus points on Southwest purchases
- Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
- $199 annual fee is on the high side
Product Details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
See Insider’s Southwest Rapid Rewards Performance Business Credit Card Review.
Southwest® Rapid Rewards® Premier Business Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
Regular APR
21.49% – 28.49% Variable
Recommended Credit
Good to Excellent
- Awards you 6,000 points each year after your account anniversary
- Earns 3x Southwest points per dollar on your Southwest purchases
- No bonus points on non-Southwest purchases
- Relatively light benefits compared to other airline credit cards
Product Details
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
See Insider’s Southwest Rapid Rewards Premier Business Credit Card Review.
United℠ Business Card
United℠ Business Card
Annual Fee
$0 intro for the first year, then $99
Regular APR
21.74% – 28.74% Variable
Recommended Credit
Good to Excellent
- Solid travel benefits with United, including a free checked bag and priority boarding
- $100 annual United travel credit is relatively easy to earn
- Beyond the intro bonus offer, it will take a while to earn a lot of miles through everyday spending on this card
Product Details
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
See Insider’s United Business Credit Card Review.
United Club℠ Business Card
United Club℠ Business Card
Regular APR
20.74% – 27.74% Variable
- Full United Club membership
- Earns 1.5 miles on all non-United purchases
- Cardholders can get 2 free checked bags on United
- High annual fee
- No bonus miles-earning categories beyond United
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
Regular APR
21.49% – 28.49% Variable
Earn 140,000 bonus points
Recommended Credit
Good to Excellent
- Up to 2 free night certificates each year
- Ability to achieve top-tier elite status through spending
- $99 annual fee
Product Details
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Insider’s IHG One Rewards Premier Business Credit Card Review.
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Regular APR
21.49% – 28.49% Variable
Earn up to 75,000 bonus points
Recommended Credit
Good to Excellent
- Excellent welcome bonus, earning, and benefits
- Automatic elite status for yourself and up to five company employees
- Up to $100 in Hyatt credits each year and a 10% points rebate on redemptions when you meet spending requirements
- High annual fee
- Card doesn’t offer an annual free night like similar hotel cards do
- Points rebate requires $50,000 in spending in a calendar year
Product Details
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
See Insider’s World of Hyatt Business Credit Card Review.
If you’re a small business owner, Chase has 10 business credit cards to explore. A few are featured in our best business credit cards guide.
Chase Auto Loans Review
Chase Auto Loan
Regular Annual Percentage Rate (APR)
Starts at 3.50% APR
Fees
$195 origination fee, only in Indiana
Recommended Credit
Undisclosed
Loan Amount Range
$4,000 to $600,000
- Competitive rates
- Wide loan amount range
- Estimated rates available using its auto loans calculator
- Coapplicant allowed
- Easy to find which dealers are in network
- Auto refinancing and lease buyouts not available
- Some older vehicles ineligible for financing
- Charges some fees
Product Details
- With the auto loans calculator, you’ll put in your estimated credit score, vehicle make and year, state you live in, and requested loan amount to get your estimated rate
- Determines eligibility through a number of factors, including your credit information and the details of your application
- You aren’t able to finance vehicles older than 10 calendar years or with over 120,000 miles. You also can’t finance commercial vehicles or certain “exotic” makes
- Provides a dealer locator so you can see which partner dealers are in your state
See Insider’s Chase Auto Loans Review.
Chase offers auto loans for new and used vehicles. However, the bank does have some limitations regarding the cars you can finance. For example, you won’t be able to finance used cars that are older than 10 years or have more than 120,000 miles.
Chase Mortgages Review
Chase Mortgage
Types of Loans Offered
Conforming, jumbo, FHA, VA, Chase DreaMaker
- Ranks high in customer satisfaction
- The Chase DreaMaker mortgage is a good option for lower-income borrowers
- Advanced tool for seeing personalized rates and payments
- No USDA loans, home equity loans, reverse mortgages, or construction loans
- Doesn’t accept alternative forms of credit
- High credit score requirements
Product Details
- Offers home loans in all 50 US states and Washington, DC
- Branches in 48 US states
- Does not accept alternative credit data, such as proof of paying bills on time, in lieu of a credit score
- Minimum credit score and down payment displayed are for conforming mortgages
See Insider’s Chase Mortgage Review.
Chase has conforming, jumbo, FHA, VA, and Chase DreaMaker mortgages. The Chase DreaMaker mortgage may be a good option if you’re searching for a program for low-income earners. The program allows lower-income borrowers to make a minimum 3% down payment with reduced private mortgage insurance costs.
About Chase
Chase is a brick-and-mortar bank with 4,700 branches and more than 15,000 free ATMs. Bank accounts can be opened online from anywhere in the continental US.
Customer service is available 24/7 over the phone.
Its mobile app is rated 4.8 out of 5 stars in the Apple store, and 4.3 out of 5 stars in the Google Play Store.
Chase is FDIC-insured. Up to $250,000 per depositor, per category is secure in an individual bank account.
Is Chase Trustworthy?
We use ratings from the Better Business Bureau to see how banks respond to customer issues. The BBB gave Chase an A+ rating.
Keep in mind that a good BBB rating isn’t necessarily the be-all and end-all. Reach out to current customers or read online customer reviews to see if Chase might be right for you.
Chase has been involved in a few public controversies. In 2020, JP Morgan Chase & Co. paid the Department of Justice $920 million in a settlement that said the bank was involved in wrongful trading.
In the same year, the US Department of Labor also required Chase to pay $800,000 in back wages in a settlement that accused the bank of underpaying women.
Chase FAQs
You can open a Chase checking account online or at a branch with $0.
If you’re under the age of 18, you must open a bank account with a parent or legal guardian. Parents must have a Chase checking account, and both of you must provide two types of IDs. The Chase High School Checking Account must be opened at a branch. If you’re 17 years old and want to open a Chase College Checking Account, you’ll also have to open an account at a branch.
Chase Bank has bank account bonuses for Chase Secure Banking ($100), Chase Total Checking ($200), Chase College Checking ($100), Chase Private Client Checking (up to $3,000), and Chase Complete Business Checking ($300).
Yes, Chase is a federally insured financial institution.
Yes, you can access Zelle through the bank’s mobile app.
Yes, Chase customers may exchange foreign currency at a branch. You’ll have to contact your nearest branch to place the order and see if there are any potential fees.
You do not need a Social Security number to open a Chase bank account. Immigrants and non-US citizens may use a foreign passport or Matricula Consular.
Methodology: How We Reviewed Chase Bank
For our Chase Bank review, we rated bank products and services using our editorial standards.
At Personal Finance Insider, we rate products on a scale from zero to five stars. For bank accounts, we review different features for distinct types of bank accounts. For example, we’ll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we’ll factor in the ATM network size and fees, as well as its overdraft protection options.
We’ll consider factors like annual fees and sign-up bonuses for credit cards, and term lengths for loans. In general, we also look at customer service and ethics.
How Chase Bank Compares
U.S. Bank vs. Chase
You may prefer Chase over U.S. Bank if you’re looking for specialty bank accounts for college students, kids, or teens. These accounts may also come with unique features like savings tools or parental monitoring features. Chase also has more personal and business credit card options than U.S. Bank.
Chase might be a good option if you prioritize a large branch network. It has over 4,700 branches, while U.S. Bank has over 2,000 branches.
U.S. Bank might be a more appealing option if you’re interested in an auto loan to buy a used car; it’s featured in our best auto loans guide because of its competitive rates.
Ally Bank vs. Chase
Ally is an online-only financial institution. If you are more comfortable banking at a place that has branches, Chase will likely be a more appealing option.
Chase also may be a better choice if you’d like to explore a variety of home loans. Chase has the Chase DreaMaker mortgage program that allows lower-income borrowers to make a minimum 3% minimum down payment with low PMI costs. You could also get a Homebuyer Grant for $2,500 or $5,000 to be used for mortgage closing costs or down payment.
You might prefer Ally if you’d like to earn more interest on a savings account or CD, though. Ally also has a money market account, which Chase doesn’t have.
UFB High Yield Savings
Earn 5.25% APY on your savings. No monthly maintenance fees. No minimum deposit is required to open an account.
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