BEST OF

Best Chase Credit Cards of September 2021

NerdWalletAug 17, 2021

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Chase credit cards are known for great rewards — including both sign-up bonuses and generous rates on spending — and a fantastic points program. Chase issues some of the best co-branded airline, hotel and store credit cards on the market. Its own Chase-branded products, described here, include outstanding travel, cash-back and small-business cards.

NerdWallet's Best Chase Credit Cards of September 2021

Best Chase Credit Cards From Our Partners

Our pick for

Cash back: High ongoing rate

Chase Freedom Unlimited Credit Card
Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

The Chase Freedom Unlimited® gives you excellent rewards on every purchase, a lengthy 0% intro APR period and a fairly easy-to-grab sign-up bonus for an annual fee of $0.

Pros

  • This card earns 1.5% cash back on most purchases, with bonus cash back in specific categories: 5% on travel booked through Chase, and 3% at restaurants and drugstores. New cardholders can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Cons

  • While you can earn big rewards on travel bookings with this card, it also charges a 3% foreign transaction fee, so it's not a good companion abroad.

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Earn unlimited 1.5% cash back on all other purchases.

  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.

  • No annual fee.

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

  • 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:

    Get Pre-Qualified

Our pick for

Cash back: Quarterly 5% categories

Chase Freedom Flex
Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

The Chase Freedom Flex℠ offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus a generous bonus offer for new cardholders. If you're willing to put in a little work, it's one rich card.

Pros

  • This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. New cardholders can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Cons

  • You have to opt in to the bonus categories every quarter, which can be a hassle. The rotating 5% categories might not be a good fit for everyone, and in recent years, they've shifted a bit toward lower-spending areas: Restaurants dropped out of the rotation entirely (although dining is now a permanent 3% category), and gas stations have been included for two quarters a year.

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

  • No annual fee.

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

  • 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:

    Get Pre-Qualified

Our picks for

Travel rewards

Chase Chase Sapphire Reserve Credit Card
Apply now

on Chase's website

Chase Sapphire Reserve®

4.7

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$550

Rewards rate

1x-10x

Points

Intro offer

60,000

Points

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.

Pros

  • You get 3 points per dollar spent on travel and dining and 1 point per dollar on all other spending. If you purchase through Chase Ultimate Rewards, you can earn even more: 10 points per dollar on Chase Dining, hotel stays and car rentals and 5 points on air travel. 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.

Read full review
  • 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit

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

  • 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

  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • 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 Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Chase Sapphire Preferred Credit Card
Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

100,000

Points

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 when redeemed for travel via Chase.

Pros

  • You earn 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®; 3 points per $1 spent on dining (including eligible delivery services and takeout), online grocery purchases (not including Target, Walmart and wholesale clubs, and select streaming services; 2 points per $1 spent on travel not purchased through Chase Ultimate Rewards®; and 1 point per $1 spent on other purchases. Airfare, hotels, cruises, taxis, rental cars and train tickets are all categorized as travel purchases. 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.

Read full review
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.

  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our pick for

Travel rewards for small business

Chase Ink Business Preferred Credit Card
Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

100,000

Points

Recommended Credit Score

High rewards on travel, high-value points and one of the biggest sign-up bonuses available on any card anywhere make the Ink Business Preferred® Credit Card a valuable business asset.

Pros

  • Earn 3 points per dollar on the first $150,000 per year in combined spending on travel and select business categories (shipping purchases; Internet, cable and phone services; and advertising purchases with social media sites and search engines). All other spending earns 1 point per dollar. Points are worth 1.25 cents apiece when redeemed for travel booked through Chase, or you can transfer them on a 1:1 basis to popular airline and hotel programs.

Cons

  • There's an annual fee of $95. If your spending doesn't align with the 3X categories, your rewards will be limited.

Read full review
  • Earn 100k bonus points after you spend $15,000 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

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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.

  • $95 Annual Fee

Our pick for

Flat-rate cash back for small business

Ink Business Unlimited℠ Credit Card
Apply now

on Chase's website

Ink Business Unlimited® Credit Card

4.6

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$750

Recommended Credit Score

The Ink Business Unlimited® Credit Card is an excellent option for entrepreneurs whose expenses don't fit neatly into the bonus categories of other business credit cards: It offers unlimited 1.5% cash back on all purchases for a $0 annual fee.

Pros

  • In addition to its simple, unlimited rewards, this card comes with a stellar sign-up bonus for a cash-back card: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. If you have a big purchase you'd like to finance, there's a pretty good introuctory 0% APR period, too.

Cons

  • On the other hand, if your spending does fit into traditional "business" categories, a bonus-rewards card might be better for you.

Read full review
  • Earn $750 bonus cash back after you spend $7,500 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.

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

Our pick for

Bonus cash back for small business

Chase Ink Business Cash Credit Card Credit Card
Apply now

on Chase's website

Ink Business Cash® Credit Card

4.4

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$750

Recommended Credit Score

The Ink Business Cash® Credit Card pays up to 5% cash back in specific categories and offers a fantastic sign-up bonus for a $0-annual-fee card.

Pros

  • You earn 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet and phone service; 2% cash back on up to $25,000 a year in spending at gas stations and restaurants; and 1% on other purchases. The 0% introductory APR period is great if you have a big purchase to finance. And then there's that bonus.

Cons

  • This card's value is directly tied to how much you spend in the 5% and 2% categories. If your expenses are all over the place, consider a flat-rate card instead.

Read full review
  • Earn $750 bonus cash back after you spend $7,500 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

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

FULL LIST OF EDITORIAL PICKS: BEST CHASE CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

CONSUMER CREDIT CARDS

Our pick for: Cash back — high ongoing rate 

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet cash bonus. Read our review.

Our pick for: Cash back — quarterly 5% categories

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and a 0% intro APR period, too. Read our review.

Our pick for: Travel rewards

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders earn 10 points per dollar spent on Chase Dining purchases, as well as hotel stays and car rentals purchased through Ultimate Rewards®; 5 points per dollar for air travel purchased through Ultimate Rewards®; 3 points per dollar spent on travel and dining not booked with Chase; and 1 point per dollar spent on all other purchases. Plus, cardmembers get a fat sign-up bonus, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Our pick for: Travel rewards

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®; 3 points per $1 spent on dining (including eligible delivery services and takeout), select streaming services, and online grocery purchases (not including Target, Walmart and wholesale clubs); 2 points per $1 spent on travel not purchased through Chase Ultimate Rewards®; and 1 point per $1 spent on other purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Chase Slate Edge℠

Our pick for: Balance transfers

The $0-annual-fee Chase Slate Edge℠ is pretty light on flash, but it does notably offer an intro APR period on purchases and balance transfers, plus some other potential incentives for paying on time. Terms apply. Read our review.

BUSINESS CREDIT CARDS

Our pick for: Travel rewards for small business

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.

Our pick for: Flat-rate cash back for small business

The Ink Business Unlimited® Credit Card earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an introductory 0% APR period for purchases. Read our review. 

Our pick for: Bonus cash back for small business

If your business's spending matches the bonus categories on the Ink Business Cash® Credit Card, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 

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

Hotel credit cards

Other credit cards

Last updated on August 17, 2021

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.