Best of
Best Chase Credit Cards of April 2020
NerdWalletApril 3, 2020
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Our pick for
Flat-rate cash back
on Chase's website
on Chase's website
Annual Fee
$0
Regular APR
14.99% - 23.74% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Recommended Credit Score
The Chase Freedom Unlimited® gives you a solid rewards rate, a lengthy 0% intro APR period and a fairly easy-to-grab sign-up bonus for an annual fee of $0.
The Chase Freedom Unlimited® gives you a solid rewards rate, a lengthy 0% intro APR period and a fairly easy-to-grab sign-up bonus for an annual fee of $0.
Pros
You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount at any time, with no minimum redemption amount. Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. If you're a maximizer, you can transfer your rewards to one of Chase's Sapphire cards to boost their value by 25% or 50%.Cons
The 1.5% rewards rate is more or less standard nowadays. You can get higher rewards rates on other cards, although you'd be hard-pressed to match this card's combination of benefits.- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
- 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
- No annual fee
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
See if you qualify for a better offer with Chase:
Our picks for
Travel rewards
on Chase's website
on Chase's website
Annual Fee
$550
Regular APR
16.99% - 23.99% Variable APR
Intro APR
N/A
Recommended Credit Score
With its $550 annual fee, the Chase Sapphire Reserve® might look like a luxury card. But avid travelers know better. Rich rewards and generous perks could make this card a deal, even at $550.
With its $550 annual fee, the Chase Sapphire Reserve® might look like a luxury card. But avid travelers know better. Rich rewards and generous perks could make this card a deal, even at $550.
Pros
You get 3 points per dollar spent on travel and dining and 1 point per dollar on all other spending. Points are worth 1.5 cents apiece when redeemed for travel booked through Chase, or you can transfer them to a dozen hotel and airline partners. You get $300 a year in credit for travel expenses, Priority Pass airport lounge access and reimbursement for the application fee for TSA PreCheck or Global Entry. And don't forget the big sign-up bonus.Cons
The fee is a significant out-of-pocket expense, and much of the value of the card is tied up in the $300 annual travel credit. Get this card only if you are a dedicated traveler.- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
- Up to $100 application fee credit for Global Entry or TSA Pre✓®
- One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
on Chase's website
on Chase's website
Annual Fee
$95
Regular APR
15.99% - 22.99% Variable APR
Intro APR
N/A
Recommended Credit Score
If you love to travel but can't stomach the fee on the Chase Sapphire Reserve®, check out its sibling card. The Chase Sapphire Preferred® Card offers elevated rewards on travel and dining and a sign-up bonus that's worth just as much.
If you love to travel but can't stomach the fee on the Chase Sapphire Reserve®, check out its sibling card. The Chase Sapphire Preferred® Card offers elevated rewards on travel and dining and a sign-up bonus that's worth just as much.
Pros
Earn 2 points per dollar on travel and dining, and 1 point per dollar on all other purchases. Airfare, hotels, cruises, taxis, rental cars and train tickets are all categorized as travel purchases. Consistent with all Chase rewards cards, you can earn unlimited points, and the points don’t expire. Points are worth 25% more when you redeem for travel booked through Chase. Or you can transfer them to several frequent traveler programs at a 1:1 rate.Cons
Since this is a general-purpose travel card, it doesn't come with the kinds of perks that are standard on branded airline and hotel cards in the same price range.- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- 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
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
See if you qualify for a better offer with Chase:
Other cards issued by Chase
Chase issues branded credit cards in partnership with airlines, hotels and others. Learn more about these cards by reading the reviews linked below:
United Airlines credit cards
Southwest Airlines credit cards
- Southwest Rapid Rewards® Plus Credit Card
- Southwest Rapid Rewards® Premier Credit Card
- Southwest Rapid Rewards® Priority Credit Card
- Southwest Rapid Rewards® Premier Business Credit Card
- Southwest Rapid Rewards® Performance Business Credit Card
Hotel credit cards
- Marriott Bonvoy Bold™ Credit Card
- Marriott Bonvoy Boundless™ Credit Card
- IHG® Rewards Club Premier Credit Card
- IHG® Rewards Club Traveler Credit Card
- The World Of Hyatt Credit Card
Other credit cards
Last updated on April 3, 2020
Methodology
NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
