Chase bank cards have all the time held a particular place in my coronary heart — and my pockets. My very first bank card, the United℠ Explorer Card (see charges and charges), was a Chase product, and it launched me to the world of factors and miles.
I am going to always remember the way it felt to redeem miles I might earned with the cardboard for the primary time or the journey I took: a last-minute journey with pals to Moab, Utah, that on the time I by no means would have been in a position to afford in any other case. It opened up my eyes to what was potential with bank cards, and from that second on, I used to be hooked.
Since taking that card out 13 years in the past, my assortment has expanded to incorporate 12 Chase playing cards, every taking part in a singular position in my pockets.
If I had been to start out once more, I might in all probability select a completely different card for my first, however I can confidently say that anchoring my factors and miles technique with Chase bank cards has been a choice that is helped me see extra of the world during the last decade than I ever may have dreamed.
Whether or not your objective is to earn factors and miles for journey, acquire money again or entry perks that can improve your journey expertise, Chase has a card to fulfill your wants. Listed here are my high picks.
The very best Chase bank cards
The data for the Prime Visa has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Evaluating the very best Chase bank cards
Let’s dive a bit deeper and examine my high suggestions for the very best Chase bank cards.
Chase Sapphire Reserve
Welcome supply: Earn 100,000 bonus factors after spending $6,000 on purchases within the first three months from account opening.
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Annual charge: $795
Standout advantages: When the Sapphire Reserve first launched in 2016, I jumped on the probability to get it. I used to be instantly attracted by options just like the $300 journey credit score, which I all the time discovered extraordinarily straightforward to make use of, and the beneficiant incomes price of three factors per greenback spent eating, one among my greatest spending classes.
Whereas I finally determined the Sapphire Most well-liked was a greater match for my particular wants, I did maintain the Reserve for a few years and located so much to like about it.
Since then, the cardboard has added a number of new advantages as a part of a full revamp final yr. It now gives perks like a $300 annual assertion credit score for live performance and occasion tickets bought by means of StubHub or Viagogo (break up into two $150 biannual credit; activation required) that I do know I might be capable to simply maximize.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which card is best for you?
Beforehand, utilizing Chase Journey℠ helped me get first rate worth on flights and accommodations when good switch choices weren’t obtainable. For instance, I leaned closely on the portal when reserving flights and accommodations in Ushuaia, Argentina, earlier than setting sail on a cruise to Antarctica.
I additionally beloved utilizing the Sapphire Reserve for main rental automobile insurance coverage whereas touring. It offered peace of thoughts whereas on highway journeys in locations like Eire and Scotland, the place I needed to drive on the left aspect of the highway, and the Azores, the place we drove over some rocky terrain.
I used to be additionally intrigued by the launch of the Chase Sapphire Reserve for Enterprise℠ (see charges and charges). Over time, I’ve relied on a number of Chase enterprise playing cards to assist earn factors on work-related bills, and I like that enterprise homeowners now have a premium Sapphire-branded possibility that may complement the remainder of a Chase rewards technique.
To study extra, see our full evaluation of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Welcome supply: Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Annual charge: $95
Standout advantages: The Sapphire Most well-liked has lengthy been probably the most common journey bank cards on the market — and for good cause. Between its incomes charges and perks, it is a point-earning workhorse. Plus, it sports activities a really attractive 100,000-point welcome bonus that is extremely profitable since Chase Final Rewards factors will be transferred to a spread of lodge and airline companions.
I like transferring factors earned with my Chase Sapphire Most well-liked to Hyatt to ebook luxurious lodge stays. A few of my favourite current redemptions have been 4 nights at Alila Ventana Huge Sur in California, which was a part of my honeymoon, and an extended weekend keep at Andaz Maui at Wailea Resort in Hawaii.
However past the bonus, the cardboard’s incomes charges have cemented its everlasting place in my pockets. It earns 3 factors per greenback spent on eating, which is a serious class for me because it covers every part from the wonderful eating eating places I like attempting out when touring to the meals vans I frequent in my residence metropolis of Portland, Oregon, to the espresso store I go to day by day with my canine.
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It additionally earns 3 factors per greenback spent on on-line groceries, which is my most well-liked methodology of buying cumbersome objects like canned beans and child components (excludes Walmart, Goal and wholesale golf equipment).
And lately, as a part of a refresh, it added a couple of extra classes the place it earns 3 factors per greenback: gasoline stations, EV charging and trip residence leases (booked at Airbnb, Vrbo, Plum Information, HomeAway, Homestay.com and Vacasa).
However that wasn’t all. The refresh has additionally introduced a bigger lodge assertion credit score and enhanced journey protections.
Lastly, this card gives at the least one yr of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and regardless that I do not order supply continuously, it is easy to get worth from the membership, which cuts down on the charges related to every order.
To study extra, see our full evaluation of the Chase Sapphire Most well-liked Card.
Apply right here: Chase Sapphire Most well-liked
Chase Freedom Limitless
Welcome supply: Earn a $200 bonus money again after spending $500 on purchases throughout the first three months from account opening.
Annual charge: $0
Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.
It earns at the least 1.5% money again — or 1.5 factors per greenback if you pair this card with an Final Rewards-earning product (extra on that beneath) — on all purchases, together with those who fall exterior one among its bonus classes. This implies it is a terrific selection for individuals who need to earn a stable cash-back price with out monitoring their spending throughout numerous classes.
That is a pleasant proposition, nevertheless it’s not the explanation I’ve spent years shouting about this card from the rooftops. Whereas the Freedom Limitless is marketed as a cash-back card, that means it would not supply the power to switch factors to Chase’s airline and lodge companions, that each one adjustments should you additionally maintain a card that earns Chase Final Rewards factors.
Those that have the Sapphire Most well-liked, Sapphire Reserve, Sapphire Reserve for Enterprise or Ink Enterprise Most well-liked® Credit score Card (see charges and charges) can mix the rewards from the Freedom Limitless with these of their different accounts, immediately making them transferable — and way more useful.
Utilizing this technique, I successfully earn 1.5 Final Rewards factors per greenback spent with the Chase Freedom Limitless in classes the place I might earn simply 1 level per greenback with a distinct card. That is a 50% improve in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual charge.
Since there is no annual charge required to carry the Freedom Limitless, I like to recommend it to everybody who already has a card that earns Final Rewards factors to allow them to construct up their factors stash.
You may as well get Chase playing cards within the reverse order. Prior to now, I’ve advisable the Freedom Limitless as a stepping-stone product to family and friends members who might not but have the credit score rating or historical past wanted to safe a Sapphire card.
To study extra, see our full evaluation of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Ink Enterprise Limitless Credit score Card
Welcome supply: Earn $1,000 bonus money again after spending $8,000 on purchases within the first 4 months from account opening.
Annual charge: $0
Standout advantages: Consider this card because the enterprise model of the Chase Freedom Limitless. It earns 1.5% money again throughout all purchases, making it a easy and user-friendly possibility for enterprise homeowners of all stripes.
Like its client counterpart, it is best leveraged as a part of a duo with an Final Rewards-earning card, as that can unlock the power to transform the money again it earns into transferable factors. I like transferring my factors to packages like British Airways, which has a distance-based award chart that enables me to ebook economic system Alaska Airways flights up and down the West Coast at very affordable charges.
I used to be thrilled to see Chase add a product like this one to its enterprise lineup. Whereas many enterprise bank cards supply bonuses in classes like journey, transport and promoting, there are such a lot of enterprise bills that do not fall below these umbrellas.
Prior to now, I’ve used this card for bills associated to constructing and sustaining an internet site and e-mail checklist, in addition to for software program platforms like Zoom.
To study extra, see our full evaluation of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless
Southwest Fast Rewards Precedence Credit score Card
Welcome supply: Earn 90,000 bonus factors after spending $3,000 on purchases throughout the first three months from account opening.
Annual charge: $229
Standout advantages: Southwest is a switch companion of Chase Final Rewards, that means you do not particularly want a Southwest card to earn factors that can be utilized for flights on the airline; lots of the playing cards on this checklist will do the trick. However there’s one thing to be stated concerning the different advantages of the Southwest Fast Rewards Precedence card and their affect in your flying expertise.
The cardboard has some key options that may make your journey day way more enjoyable. For starters, 25% again on inflight purchases can assist you entry discounted Wi-Fi to maintain any last-minute journey particulars or take pleasure in a reduced glass of wine. In the meantime, 4 upgraded boardings per yr (when obtainable) can assist you beat the boarding chaos and offer you further time to get settled.
Plus, the cardboard earns 7,500 factors annually in your cardmember anniversary, which can get you nearer to your subsequent journey.
For me, that is usually a visit to see a live performance or sporting occasion in Las Vegas or to discover nationwide parks in Arizona, Colorado and past.
The Southwest Fast Rewards Precedence additionally comes with a ten,000-point qualifying increase annually for Southwest’s coveted Companion Cross, which lets you designate a journey companion to fly in your itineraries for simply the value of taxes and charges, whether or not you ebook with money or factors.
To study extra, see our full evaluation of the Southwest Fast Rewards Precedence card.
Apply right here: Southwest Fast Rewards Precedence
Ink Enterprise Money Credit score Card
Welcome supply: Earn $1,000 money again after spending $8,000 on purchases within the first 4 months from account opening.
Annual charge: $0
Standout advantages: In case you’re a enterprise proprietor who prioritizes incomes money again — or desires the choice to transform money again into transferable journey factors by pairing an Final Rewards-earning card with a product just like the Ink Enterprise Money — you are in the suitable place.
My favourite function of this card is that it earns 5% money again (or 5 factors per greenback spent should you mix it with a card just like the Sapphire Most well-liked or the Sapphire Reserve) on the primary $25,000 spent in mixed purchases every anniversary yr at workplace provide shops and on web, cable and cellphone providers.
It is simple to see how web and cellphone providers are helpful for many enterprise homeowners. My computer-based freelance writing and journey consulting aspect hustles have all the time relied on the web. However even my husband, who used to stroll canines exterior his nine-to-five, used his cellphone and the web for consumer communication and administrative work, akin to submitting taxes.
However the methods to capitalize on the workplace provide retailer bonus could also be much less apparent. Even should you do not sometimes use conventional workplace provides in your line of labor, as is the case for each me and my husband, you will discover numerous worth right here should you search for it.
Staples, for example, sells every part from workplace furnishings to passport providers to Apple AirPods, and I’ve even bought chocolate there throughout the workday greater than as soon as. Its web site even has a bit you possibly can scope out titled “Sure, Staples has that” should you’re not satisfied of this bonus class’s broad utility.
To study extra, see our full evaluation of the Ink Enterprise Money card.
Apply right here: Ink Enterprise Money
Chase Freedom Flex
Welcome supply: Earn $200 money again after you spend $500 on purchases throughout the first three months of account opening.
Annual charge: $0
Standout advantages: If there’s an unsung hero in my pockets, it is the Chase Freedom Flex. Whereas maximizing its incomes potential does take some cautious planning, to me, it is 100% price it for the payoff.
The Freedom Flex gives the chance to earn 5% money again on as much as $1,500 in mixed spending purchases in rotating quarterly bonus classes (after activation).
Which means you should use it to earn 7,500 bonus factors per quarter or 30,000 factors per yr, which is fairly nice for a card with out an annual charge. That is very true since, like with the Chase Freedom Limitless, the factors you earn with the Chase Freedom Flex will be transformed to transferable journey factors should you additionally maintain an Final Rewards-earning card.
Whereas the bonus class for every quarter is not revealed very far prematurely, I’ve sometimes discovered the classes extremely profitable.
For instance, since turning into a cardholder, I’ve seen eating places and grocery shops featured a number of instances, each of that are huge spending classes for me. Chase has additionally used PayPal as a bonus class a number of instances, and since so many on-line companies settle for it, your choices for incomes are almost limitless.
In late 2024, a bonus on purchases at pet retailers and veterinary providers helped me earn so many factors throughout an emergency with my canine that I used to be in a position to ebook a free lodge room in London.
To study extra, see our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Southwest Fast Rewards Plus Credit score Card
Welcome supply: Earn 80,000 bonus factors after spending $1,000 on purchases throughout the first three months from account opening.
Annual charge: $99
Standout advantages: Whereas we love the Southwest Fast Rewards Precedence card, there’s one other cheaper possibility that additionally gives nice worth: the Southwest Fast Rewards Plus.
An annual charge of simply $99 will get you entry to lots of the identical advantages, together with the 25% low cost on inflight purchases, the ten,000-point qualifying increase annually for the Companion Cross and an incomes price of two factors per greenback spent on Southwest airline purchases.
Each playing cards even have one other function in widespread that has grow to be essential since Southwest ended its longtime bags-fly-free coverage: They’re going to every permit you to verify your first bag freed from price.
Because the mother of a toddler who totes round numerous gear and provides, this profit is extraordinarily enticing to me. With such a low annual charge, the cardboard would doubtless make sense for me primarily based on the bag perk alone.
To study extra, see our full evaluation of the Southwest Fast Rewards Plus card.
Apply right here: Southwest Fast Rewards Plus
Prime Visa
Welcome supply: Get a $200 Amazon reward card immediately upon approval, solely for Prime members.
Annual charge: $0 (although this card requires a Prime membership)
Standout advantages: A favourite amongst Amazon fanatics, the Prime Visa is ideal for these with Amazon Prime accounts who spend continuously at Amazon and Entire Meals and need to earn money again quite than journey rewards (although the Prime Visa does allow you to earn an elevated reward price on Chase Journey purchases since it is a Chase product).
This card earns profitable charges in common classes like limitless 5% again in your Amazon.com purchases, on on-line or in-store purchases at Entire Meals and limitless 5% again on Chase Journey purchases.
As a dad or mum, it looks like I flip to Amazon almost on daily basis for one factor or one other. Whether or not it is provides like diapers, wipes or stain spray that I did not notice had been operating low or a last-minute outfit for a themed day at daycare, I am on the location greater than I care to confess.
I can simply see how this card can be important in a family that values cash-back rewards over different reward currencies.
To study extra, see our full evaluation of the Prime Visa.
What to think about when selecting a Chase bank card
Whereas all these playing cards can present immense worth when used to their full potential, it is essential to think about a couple of particular components earlier than making your choice. Pondering by means of them will make sure you’re deciding on a card that most accurately fits your life-style, finances, preferences and journey targets.
Whereas figuring out the very best card for you may really feel overwhelming, keep in mind that your choice just isn’t set in stone; you possibly can all the time request a product change after holding it for a yr with out affecting your credit score rating.
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I did this in 2021, downgrading my Sapphire Reserve to the Chase Freedom Flex for the reason that Freedom Flex was higher suited to my spending wants on the time.
Finally, I settled on the Sapphire Most well-liked as my main Final Rewards-earning card, and I’ve held it ever since.
Most well-liked rewards
Fascinated by what sort of rewards you’d prefer to earn is a superb start line for selecting a bank card. Do you need to maintain it easy with money again? Or, are you desirous to dive into the world of transferable journey factors?
Associated: The very best rewards bank cards so as to add to your pockets
Welcome bonus
Welcome bonuses are essential on the earth of bank cards, as they symbolize your greatest probability to earn a big sum of factors directly. Additionally they fluctuate all year long.
Associated: Greatest time to use for Chase playing cards primarily based on supply historical past
Spending habits
To get the absolute best return in your spending, you may need to think about the place you spend most of your cash and select a card with a bonus on these classes.
For me, journey, eating and on-line grocery purchasing are all main ones, which is why the Sapphire Most well-liked and the Ink Enterprise Most well-liked proceed to carry locations in my pockets yr after yr.
Annual charge
In fact, you may additionally need to suppose by means of your finances and what, if something, you are prepared to spend on bank card annual charges.
Chase gives a spread of choices, from $0 all the best way as much as $795, so there’s one thing for everybody. Whereas getting greater than your cash’s price with any of those playing cards is definitely potential, a premium providing solely is sensible should you can maximize the cardboard’s advantages.
How we selected the very best Chase bank cards
We selected the very best Chase bank cards primarily based on a number of components, together with welcome gives, perks and advantages, and reward incomes charges — significantly in common spending classes.
To study extra about how TPG evaluates and chooses playing cards to function in our roundups, take a look at our methodology.
Associated: Chase Final Rewards switch companions
Redemption choices for Chase bank cards
Your redemption choices will depend upon which card you go for. With the Southwest cobranded playing cards, it is essential to notice that you’re going to solely earn Fast Rewards factors, whereas the Sapphire Most well-liked, Sapphire Reserve, Sapphire Reserve for Enterprise and Ink Enterprise Most well-liked earn Final Rewards factors that may be transferred to a spread of airline and lodge companions — Southwest included.
The Prime Visa, the Ink Enterprise Limitless, the Ink Enterprise Money, the Chase Freedom Limitless and the Chase Freedom Flex all earn money again should you desire to earn money as a substitute of journey rewards. Nonetheless, the latter 4 playing cards have the flexibleness to transform these rewards to transferable journey forex should you even have a card that earns Final Rewards factors.
I personally select to earn journey rewards over money again since I journey continuously and really feel assured that I can get extra worth out of Final Rewards factors than money again.
Backside line
Irrespective of the place you’re along with your bank card technique, Chase has a card that can fit your wants. Bank card learners have glorious choices within the Chase Sapphire Most well-liked, the Chase Freedom Limitless and the Chase Freedom Flex.
Frequent vacationers trying to find a premium card expertise can leverage the Chase Sapphire Reserve, whereas enterprise homeowners have a stable lineup to select from: the Sapphire Reserve for Enterprise, the Ink Enterprise Most well-liked, the Ink Enterprise Limitless or the Ink Enterprise Money.
Whichever card you choose, relaxation assured which you could’t go mistaken. With helpful perks and protections, nice incomes charges and wholesome welcome bonuses, Chase playing cards are among the many most useful you possibly can have in your pockets.
Associated: Causes the Chase Sapphire Most well-liked must be your subsequent bank card
