BEST OF

Best Chase Credit Cards of February 2021

NerdWalletJanuary 14, 2021
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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 February 2021

Best Chase Credit Cards From Our Partners

Our pick for

Cash back: High ongoing rate

NerdWallet rating 

5.0

/5
Chase Freedom Unlimited Credit Card

on Chase's website

Annual Fee

$0

Rewards Rate

1.5%-5%

Cashback

Intro offer

$200

Rec Credit Score

690-850

Good - Excellent

Our pick for

Cash back: Quarterly 5% categories

NerdWallet rating 

5.0

/5
Chase Freedom Flex

on Chase's website

Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

$200

Rec Credit Score

690-850

Good - Excellent

Our picks for

Travel rewards

NerdWallet rating 

4.7

/5
Chase Chase Sapphire Reserve Credit Card

on Chase's website

Annual Fee

$550

Rewards Rate

1x-3x

Points

Intro offer

50,000

Points

Rec Credit Score

720-850

Excellent

NerdWallet rating 

4.5

/5
Chase Sapphire Preferred Credit Card

on Chase's website

Annual Fee

$95

Rewards Rate

1x-2x

Points

Intro offer

60,000

Points

Rec Credit Score

690-850

Good - Excellent

Our pick for

Travel rewards for small business

NerdWallet rating 

5.0

/5
Chase Ink Business Preferred Credit Card

on Chase's website

Annual Fee

$95

Rewards Rate

1x-3x

Points

Intro offer

100,000

Points

Rec Credit Score

690-850

Good - Excellent

Our pick for

Flat-rate cash back for small business

NerdWallet rating 

4.6

/5
Ink Business Unlimited℠ Credit Card

on Chase's website

Annual Fee

$0

Rewards Rate

1.5x

Cashback

Intro offer

$750

Rec Credit Score

690-850

Good - Excellent

Our pick for

Bonus cash back for small business

NerdWallet rating 

4.4

/5
Chase Ink Business Cash Credit Card Credit Card

on Chase's website

Annual Fee

$0

Rewards Rate

1x-5x

Cashback

Intro offer

$750

Rec Credit Score

690-850

Good - Excellent

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.

Chase Freedom Flex℠

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. A fat sign-up bonus, annual travel credits, airport lounge access, 3X points on travel and dining, and a 50% boost in point value when you redeem for travel booked through Chase all add to the appeal. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Our pick for: Travel rewards

The Chase Sapphire Preferred® Card earns 2X points on travel and dining for a reasonable annual fee. Points are worth 25% more when you redeem them for travel booked through Chase, or you could transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Our pick for: Balance transfers

The debt-busting features of the Chase Slate® make it possible to pay off balances without interest or fees. 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 0% 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 January 14, 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.