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UpdatedMar 06, 2024   |  5-min read
Written byJeff Gitlen, CEPF®
Written byJeff Gitlen, CEPF®
Chase is one of the most popular credit card issuers in the market thanks to its high rewards rates and competitive benefits. With so many cards available, figuring out which is the best may be overwhelming – but we can help.
Here are our picks for the best Chase credit cards:
- Best for earning cash back: Chase Freedom Unlimited®
- Best for rotating categories: Chase Freedom Flex
- Best for travel flexibility: Chase Sapphire Preferred® Card
- Best for exclusivity: Chase Sapphire Reserve®
- Best for businesses: Ink Business Unlimited® Credit Card
Reviews of the best Chase credit cards
Our reviews below will help you determine whether one of the cards mentioned are a good fit for your spending needs.
Best for earning cash back: Chase Freedom Unlimited®
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LendEDU Rating: 4.9/5
Rewards rate: 1.5% – 5%
Annual fee: $0
Editor’s thoughts: Our top-rated cash back credit card. This card comes with a great introductory bonus, a high cash back rate on all purchases, and no annual fee
The Chase Freedom Unlimited is not only our choice for the best cash back card from Chase, but also in the entire industry. New cardholders earn an additional 1.5% cash back on everything they purchase (up to $20,000 spent in the first year).
Here’s a breakdown of the cash back you can earn after the first year or $20,000 spent:
- 5% on purchases through Chase Travel
- 3% on dining
- 3% on drugstores
- 1.5% on all other purchases
Pros
Cash back does not expire as long as your account is open
No limitations on how you redeem your cash back
The non-category-specific reward rate is higher than most cash-back cards
A welcome bonus with a low spending requirement
Contactless payment
No annual fee
Added benefits from partners such as DoorDash and Lyft
Cons
No interest-free promotion on balance transfers
To learn more about this card and what it offers,click here.
Best for rotating categories: Chase Freedom Flex
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LendEDU Rating: 4.9/5
Rewards rate: 1% – 5%
Annual fee: $0
Editor’s thoughts: A new offering from Chase, this card comes with a high introductory bonus, a high cash back rate on bonus categories, and no annual fee
The Chase Freedom Flex is best for those who want to earn a high rewards rate on rotating categories. These categories include wholesale clubs, internet and cable, streaming, and more. New cardholders can earn $200 after spending $500 within the first three months of account opening.
Here’s a breakdown of the cash back you can earn:
- 5% on Chase travel purchases through Ultimate Rewards®
- 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- 5% on Lyft rides through March 2022
- 3% on dining
- 3% at drugstores
- 1% on all other purchases
Pros
Cash back does not expire as long as your account is open
No limitations on how you redeem your cash back
A welcome bonus with a low spending requirement
No annual fee
Added benefits from partners such as DoorDash and Lyft
Cons
No interest-free promotion on balance transfers
You have to activate the rewards rate on rotating categories each quarter
The 5% you earn on rotating categories is capped at $1,500 in purchases each quarter
To learn more about this card and what it offers,click here.
Best for travel flexibility: Chase Sapphire Preferred® Card
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LendEDU Rating: 4.7/5
Rewards rate: 1x – 5x
Annual fee: $95
Editor’s thoughts: This card is commonplace on most best-of lists and offers flexibility for how you earn and use rewards points
The Chase Sapphire Preferred is our choice for the best travel card offering travel flexibility. New cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. That’s a $750 value if redeemed through Chase Ultimate Rewards.
Here’s a breakdown of the points you can earn:
- 5x total points on travel purchased through Chase Ultimate Rewards®
- 3x points on dining
- 3x points online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 3x points on select streaming services
- 2x points on all other travel
- 1x points on all other purchases
Pros
A large welcome bonus
Up to $50 in statement credits each year for hotel stays purchased through Chase Ultimate Rewards®
Get 25% more value when you redeem points for travel through Chase Ultimate Rewards
Partner benefits with DoorDash, Lyft, and Peloton
No foreign transaction fees
Cons
An annual fee
No introductory APR offers
To learn more about this card and what it offers,click here.
Best for exclusivity: Chase Sapphire Reserve®
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LendEDU Rating: 4.6/5
Rewards rate: 1x – 10x
Annual fee: $550
Editor’s thoughts: This card is not one you’ll find in many people’s wallets. If you can manage the high annual fee, the rewards and benefits are immense
The Chase Sapphire Reserve is exclusive in the sense that not many individuals would be willing to pay the $550 annual fee to add this card to their wallets. That being said, for those that do, the rewards and perks can certainly outweigh the annual cost.
New cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Here’s a breakdown of the points you can earn:
- 10x total points on hotels and car rentals when travel purchased through Chase Ultimare Rewards®
- 10x total points on Chase Dining purchases with Ultimate Rewards®
- 5x total points on flights when purchased through Chase Ultimate Rewards®
- 3x points on all other travel
- 3x points on other dining
- 1x points on all other purchases
Pros
A large welcome bonus
A high rewards rate on dining and travel
A $300 annual travel credit as reimbursem*nt for travel purchases each anniversary year
50% more value when you redeem points for travel through Chase Ultimate Rewards
A statement credit of up to $100 every four years as reimbursem*nt for Global Entry or TSA PreCheck application fees
Complimentary airport lounge access
24/7 access to customer service specialists
No foreign transaction fees
Cons
A large annual fee
An annual fee for authorized users
No introductory APR offer
To learn more about this card and what it offers, click here.
Best for businesses: Ink Business Unlimited® Credit Card
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LendEDU Rating: 4.8/5
Rewards rate: 1.5%
Annual fee: $0
Editor’s thoughts: This card comes with a solid welcome bonus, a high cash back rate on all purchases, and no annual fee
The Ink Business Unlimited card is our choice for the best business card from Chase. New businesses can earn $750 after spending $6,000 on purchases in the first three months after account opening.
Here’s the breakdown of cash back you can earn:
- 1.5% on all business purchases
Pros
A sizable welcome offer with a manageable spending requirement
A solid cash-back rate on all purchases
Employee cards at no additional cost
No annual fee
Cons
Added benefits outside of the cash back earned is limited
To learn more about this card and what it offers,click here.
Recap of the best Chase credit cards
| Card | Rewards rate | Best for |
| Chase Freedom Unlimited | 1.5% – 5% | Cash back |
| Chase Freedom Flex | 1% – 5% | Cash back |
| Chase Sapphire Preferred | 1x – 5x | Travel |
| Chase Sapphire Reserve | 1x – 10x | Travel |
| Ink Business Unlimited | 1.5% | Businesses |
Other resources on Chase credit cards
Resources on Chase points:
- Can you transfer Chase credit card points into Delta miles?
- Is redeeming Chase rewards points for cash a good idea?
Other Chase reviews:
- Chase Freedom review
