Best Chase Credit Cards of January 2022
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ALSO SEE: Best credit cards of 2022 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
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.
ALSO SEE: Best credit cards of 2022 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
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.
Best Chase Credit Cards
Our pick for
Cash back: High ongoing rate
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1.5%-6.5%
Cashback
Intro offer
$300
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.
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 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!
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.
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 14.99% - 23.74%.
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.
See if you qualify for a better offer with Chase:
Get Pre-Qualified
Our pick for
Cash back: Quarterly 5% categories
on Chase's website
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.
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 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!
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.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
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
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ 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.
See if you qualify for a better offer with Chase:
Get Pre-Qualified
Our picks for
Travel rewards
on Chase's website
on Chase's website
Annual fee
$550
Rewards rate
1x-10x
Points
Intro offer
50,000
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.
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.
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.
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, 50,000 points are worth $750 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 PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
on Chase's website
on Chase's website
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
60,000
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.
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.
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 a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x 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, 60,000 points are worth $750 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 03/31/22.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
See if you qualify for a better offer with Chase:
Get Pre-Qualified
Our pick for
Balance transfers
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
N/A
Intro offer
$0
Recommended Credit Score
The $0-annual-fee Chase Slate Edge℠ offers a solid introductory 0% APR period on balance transfers and purchases.
The $0-annual-fee Chase Slate Edge℠ offers a solid introductory 0% APR period on balance transfers and purchases.
Pros
The card features a 0% intro APR for 18 months on purchases and balance transfers, and then the ongoing APR of 14.99%-23.74% Variable APR. There's also a modest sign-up bonus, as well as some other potential incentives for paying on time, including a possible APR reduction and a potential credit limit increase. Terms apply.
Cons
You can find any number of credit cards with longer intro APR periods on both purchases and balance transfers, and some of those options will also offer ongoing rewards. The Chase Slate Edge℠ does not.
Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 14.99% - 23.74% 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
Our pick for
Travel rewards for small business
on Chase's website
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.
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.
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.
Our pick for
Flat-rate cash back for small business
on Chase's website
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.
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.
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
on Chase's website
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.
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.
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 get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, 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 bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery 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.
Our pick for: Balance transfers
The $0-annual-fee Chase Slate Edge℠ is light on flash but features an excellent 0% intro APR period on purchases and balance transfers, plus some other potential incentives for paying on time. 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 January 20, 2022
Methodology
NerdWallet's credit cards team selects the best credit 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 as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.