Chase offers a diverse portfolio of credit cards catering to various needs, including travel rewards, cash back, and low introductory APRs. With over 4,700 branches and 15,000 ATMs, Chase provides multiple ways to manage and pay off your card, whether online, through the Chase Mobile® app, or at a physical location. Their cards typically require good to excellent credit, and popular options like the Chase Sapphire Reserve® and Chase Freedom Flex℠ offer unique benefits, such as flexible rewards points and extensive travel protections.
Chase Cards Features
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Rewards Programs. Chase offers a range of rewards programs, including cash back, travel points, and retail rewards, allowing cardholders to earn points on everyday purchases.
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Chase Ultimate Rewards®. Points earned on many Chase cards can be redeemed through the Chase Ultimate Rewards® portal for travel, cash back, gift cards, and more, often at higher values.
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Extensive Network. Access to over 4,700 branches and 15,000 ATMs nationwide for in-person banking and credit card services.
Credit Cards offered by Chase
Chase Sapphire Preferred® Credit Card. This card offers premium dining and travel rewards, allowing you to earn 5x total points on travel purchased through Chase TravelSM (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining at restaurants, including eligible delivery service, takeout, and dining out, and 2x points on other travel purchases.
Chase Sapphire Reserve® Credit Card. With this card, you can earn 5x total points on flights and 10x total points on hotels (excluding The EditSM) and car rentals when you purchase travel through Chase TravelSM after the first $300 is spent on travel purchases annually.
Chase Freedom Unlimited® Credit Card. The Chase Freedom Unlimited® offers unlimited 1.5% cash back on all purchases, with additional rewards such as 3% cash back on dining and drugstores and 5% cash back on travel purchased through Chase TravelSM.
Chase Freedom Flex® Credit Card. Earn cash back for every purchase with the Chase Freedom Flex®. This card provides 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate, along with 5% cash back on travel purchased through Chase TravelSM, 3% on dining including takeout and drug stores, and 1% on all other purchases.
Chase Freedom RiseSM Credit Card. Ideal for those new to credit and students, this card offers an increased chance of approval by having at least $250 in any Chase checking or savings account before applying.
Slate Edge® Credit Card. The Slate Edge® card allows you to lower your interest rate by 2% each year when you pay on time and spend at least $1,000 on your card by your next account anniversary.
Prime Visa Rewards. This card provides rewards everywhere you shop with no annual credit card fee, offering unlimited cash back at Amazon, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, among other benefits.
Amazon Visa Rewards. Similar to the Prime Visa Rewards, this card offers rewards everywhere you shop with no annual credit card fee, including unlimited cash back at Amazon, Amazon Fresh, Whole Foods Market, and Chase Travel purchases.
Southwest Rapid Rewards® Plus Credit Card. Cardholders of this card receive 3,000-anniversary points each year, along with 2X points on Southwest® purchases and 1X points on all other purchases.
Southwest Rapid Rewards® Priority Credit Card. This card offers a $75 annual Southwest® travel credit and 7,500-anniversary points each year, in addition to earning 3X points on Southwest purchases.
Southwest Rapid Rewards® Premier Credit Card. With the Southwest Rapid Rewards® Premier Credit Card, you can earn 6,000-anniversary points each year, along with 3X points on Southwest® purchases and 1X points on all other purchases.
UnitedSM Explorer Card. Cardholders enjoy 2x miles on United purchases, dining, and hotel stays, as well as benefits like a free first-checked bag and priority boarding.
United QuestSM Card. This card offers a $125 annual United purchase credit, two free checked bags, priority boarding, and premium travel benefits, while also earning 3x miles on United purchases.
United GatewaySM Credit Card. Start your adventure with 2x miles on United purchases, at gas stations, and on local transit and commuting, plus 25% back on United inflight and Club premium drink purchases, and no foreign transaction fees.
United ClubSM Infinite Card. Travel in luxury with United ClubSM membership and 2 free checked bags, while also earning rewards faster with 4x miles on United purchases and 2x miles on dining and all other travel.
Aeroplan® Card. Cardholders earn points fast with Aeroplan, including 3X points at grocery stores, on dining, and on purchases made directly with Air Canada, as well as other Aeroplan travel benefits.
Marriott Bonvoy Boundless® Credit Card. With the Marriott Bonvoy Boundless® credit card, users earn Unlimited Marriott Bonvoy® points and get free stays faster. They can earn points on every purchase and up to 17X total points per $1 spent at hotels participating in Marriott Bonvoy®.
Marriott Bonvoy Bountiful™ Credit Card. Similar to the Boundless® card, the Marriott Bonvoy Bountiful™ credit card allows cardholders to earn Unlimited Marriott Bonvoy® points and get free stays faster, with up to 18.5X total points per $1 spent at participating Marriott Bonvoy® hotels.
Marriott Bonvoy Bold® Credit Card. The Marriott Bonvoy Bold® credit card also offers the opportunity to earn Unlimited Marriott Bonvoy® points and get free stays faster, with up to 14X total points per $1 spent at participating Marriott Bonvoy® hotels.
IHG One Rewards Premier Credit Card. Cardholders can earn IHG One Rewards points on every purchase, with up to 26X points total per $1 spent when staying at IHG® Hotels and Resorts.
IHG One Rewards Traveler Credit Card. Similar to the Premier Credit Card, the IHG One Rewards Traveler Credit Card allows users to earn IHG One Rewards points on every purchase, with up to 17X points total per $1 spent when staying at IHG® hotels and resorts.
Disney® Premier Visa® Card. With the Disney® Premier Visa® Card from Chase, users can earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus, Hulu, or ESPNPlus, among other benefits.
Disney® Visa® Card. The Disney® Visa® Card rewards cardholders with 1% in Disney Rewards Dollars on all card purchases, redeemable toward most anything Disney at most Disney locations in the U.S.
World of Hyatt Credit Card. Cardholders can earn up to 9X total points per $1 spent at Hyatt hotels & resorts, as well as enjoy benefits like a free night and tier-qualifying night credits toward status each year.
British Airways Visa Signature® Card. This card allows cardmembers to earn Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases, among other benefits.
Aer Lingus Visa Signature® Card. Similar to the British Airways Visa Signature® Card, the Aer Lingus Visa Signature® Card offers Avios for flight purchases with Aer Lingus, British Airways, and Iberia, along with other benefits.
Iberia Visa Signature® Card. Cardholders can earn Avios for flight purchases with Iberia, British Airways, and Aer Lingus, in addition to other benefits.
DoorDash Rewards Mastercard®. This card offers cash back on every purchase, with rewards including 4% cash back on DoorDash and Caviar orders, among other benefits.
Instacart Mastercard®. Turn everyday shopping into everyday rewards with the Instacart Mastercard®, offering cash back on Instacart purchases, Chase Travel purchases, and select streaming services.
Ink Business Premier® Credit Card. Business owners can earn cash back on every purchase of $5,000 or more with the Ink Business Premier® Credit Card, among other benefits.
Ink Business Unlimited® Credit Card. This card offers unlimited 1.5% cash back rewards on every purchase made for your business, without an annual fee.
Ink Business Cash® Credit Card. Earn 5% cash back in select business categories with the Ink Business Cash® Credit Card, along with rewards on every purchase made for your business, and no annual fee.
Ink Business Preferred® Credit Card. Reward your business with flexible and rich rewards, including 3X points on shipping and other select business categories, with the Ink Business Preferred Credit Card.
UnitedSM Business Card. With the UnitedSM Business Card, earn 2x miles on United purchases, dining, at gas stations, office supply stores, and on local transit and commuting, among other benefits.
United ClubSM Business Card. This card offers United ClubSM membership and 2 free checked bags, along with rewards like 2x miles on United purchases and 1.5x miles on all other purchases.
Southwest Rapid Rewards® Performance Business Credit Card. Earn 4X points on Southwest® purchases and 2X points on purchases for your business in select categories, plus 9,000-anniversary bonus points each year, with the Southwest Rapid Rewards® Performance Business Credit Card.
Southwest Rapid Rewards® Premier Business Credit Card. Cardholders earn 3X points on Southwest® purchases, 2X points on local transit and commuting, and 1X points on all other purchases, along with 6,000-anniversary points each year, with the Southwest Rapid Rewards® Premier Business Credit Card.
IHG One Rewards Premier Business Credit Card. Earn IHG One Rewards points on every purchase, with up to 26X points total per $1 spent when staying at IHG® hotels and resorts.
World of Hyatt Business Credit Card. Make the most of your small business spending with accelerated earning wherever you spend the most, earning 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
Pros and Cons
Pros
Cards like the Chase Sapphire Reserve® offer travel perks such as airport lounge access, travel insurance, and no foreign transaction fees.
With features like My Chase Plan and My Chase Loan, cardholders can split purchases into fixed monthly payments or borrow against their credit limit.
The Chase Mobile® app allows users to manage their accounts, make payments, and set up account alerts on the go.
Cons
Some of the most rewarding Chase cards come with high annual fees, which may not be justified for infrequent travelers or low spenders.
Many Chase cards require good to excellent credit scores, which can be a barrier for those with less established credit histories.
The reward structures can be complicated, requiring careful management to maximize benefits and avoid forfeiting points.
How to Choose a Chase Credit Card
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Evaluate Your Spending Habits. Identify the categories where you spend the most money, such as travel, groceries, dining, or gas. Choose a card that offers the highest rewards in these categories.
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Check Your Credit. You can use free tools such as Chase Credit Journey or external resources. Chase Credit Journey helps you monitor your credit score.
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Consider the Rewards Structure. Look at how rewards are earned and redeemed. Chase Ultimate Rewards® points can be particularly valuable when used for travel. Assess if cash back, points, or miles best suit your needs.
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Check for Introductory Offers. Many Chase cards offer substantial sign-up bonuses. Determine the spending requirements for these bonuses and if you can realistically meet them within the specified time frame.
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Assess the Annual Fees. Weigh the benefits of the card against its annual fee. Higher annual fees can be worthwhile if the card offers significant rewards, travel perks, or credits that offset the cost.
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Examine Additional Benefits. Look beyond rewards to other benefits like travel insurance, purchase protection, extended warranties, and zero foreign transaction fees. These perks can add significant value.
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Understand the Credit Requirements. Most Chase cards require good to excellent credit. Check your credit score and compare it to the card's requirements to improve your chances of approval.
How to Apply for a Chase Credit Card
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Begin by researching to determine the best Chase credit cards that suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
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Navigate to the Chase website and locate the credit cards section. Browse through the available options and select the card you wish to apply for.
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Click on the selected credit card to view its detailed information, including features, rewards, fees, and eligibility requirements. Ensure that you understand the terms and conditions associated with the card.
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Once you've chosen a card, click on the "Apply Now" button to initiate the application process. You'll be directed to a secure online application form.
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Fill out the application form with accurate personal information, including your full name, residential address, date of birth, Social Security number, employment details, and income information.
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If applicable, select any additional card options or features offered with the credit card, such as balance transfers or additional cardholders.
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Review the terms and conditions of the credit card agreement carefully. By submitting your application, you agree to abide by these terms if approved.
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Once you've completed the application form and verified the accuracy of the information provided, submit your application online.
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After submitting your application, wait for Chase to review and process it. In some cases, you may receive an instant decision, while others may require further review.
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Create an account on Chase website or download the Chase Mobile® app to manage your card, set up automatic payments, track rewards, and monitor your spending.
Eligibility Requirements
Minimum Credit Score. Most Chase credit cards require a good to excellent credit score, in the range of 670 to 850. Some cards may have different requirements, so check the specific card's criteria.
Income Requirements. Applicants must demonstrate sufficient income to support the credit line they are applying for. This includes providing accurate information about your annual income, which helps Chase assess your ability to repay the debt.
U.S. Residency. You must be a U.S. resident with a valid Social Security number or Individual Taxpayer Identification Number (ITIN) to apply for a Chase credit card.
Age Requirement. Applicants must be at least 18 years old (21 in Puerto Rico) to apply for a Chase credit card.
Credit Utilization Rate. Maintaining a low credit utilization rate, preferably below 30%, is important for approval. This rate is the percentage of your total available credit that you are currently using.
Debt-to-Income Ratio. A reasonable debt-to-income ratio, which compares your monthly debt payments to your monthly income, is necessary. A lower ratio indicates a better ability to manage new credit.
Payment History. A strong history of on-time payments on existing credit accounts is crucial. Late payments, defaults, or bankruptcies can negatively impact your application.
Employment Status. Having a stable job and regular income improves your chances of approval. Chase may require employment details to assess your financial stability.
Reasons You May Be Denied
A low credit score or a history of missed payments, defaults, or bankruptcy can significantly reduce your chances of approval. Chase typically requires good to excellent credit for their cards.
If your debt-to-income ratio is too high, Chase may view you as a higher risk. This ratio compares your monthly debt payments to your monthly income and indicates your ability to manage additional debt.
Under Chase's 5/24 rule, you may be denied if you’ve opened five or more credit card accounts within the past 24 months. This rule is designed to limit the number of new credit accounts applicants can open.
Chase has restrictions on the number of cards you can have from the same product family. For example, you cannot hold both the Chase Sapphire Reserve® and Chase Sapphire Preferred® at the same time.
If your income does not meet the minimum requirements for the card you are applying for, Chase may deny your application. Providing accurate and complete income information is crucial.
How to Pay Off My Credit Card Debt
Sign in to your account on the Chase website to make one-time or recurring payments. This method is convenient and allows you to schedule payments in advance, ensuring timely debt management.
Use the Chase Mobile® app to make payments directly from your mobile device. This method offers flexibility and on-the-go access, making it easy to manage your credit card payments anytime, anywhere.
Use Chase’s automated phone service for making payments. This option is available 24/7 and allows you to make payments using your bank account information.
Make payments at over 15,000 Chase ATMs nationwide. You can deposit cash or checks directly into your credit card account, providing a quick and easy way to pay off your debt in person.
Visit any of the more than 4,700 Chase branches to make payments with the assistance of knowledgeable staff. This method allows for personalized service and immediate confirmation of your payment.
Mail your check or money order to the address provided on your statement. Ensure you write your 16-digit credit card number on the memo line and follow any specific mailing instructions to avoid delays.
Use Western Union to send payments. Provide the Code City WALNUT to ensure your payment is correctly processed. This method may take a few days to reflect on your account.
