Chase bank cards have at all times held a particular place in my coronary heart — and my pockets. My very first bank card, the United℠ Explorer Card (see charges and costs), was a Chase product, and it launched me to the world of factors and miles.
I will always remember the way it felt to redeem miles I would 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 capable of 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 12 years in the past, my assortment has expanded to incorporate 11 Chase playing cards, every taking part in a novel function in my pockets.
If I had been to start out another time, I would most likely select a special 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 over the past decade than I ever may have dreamed.
Whether or not your purpose is to earn factors and miles for journey, acquire money again or entry perks that may improve your journey expertise, Chase has a card to satisfy your wants. Listed here are my prime picks.
The perfect Chase bank cards
Evaluating one of the best Chase bank cards
Let’s dive somewhat deeper and examine my prime suggestions for one of the best Chase bank cards.
| Card | Greatest for | Welcome bonus | Incomes price | Annual price |
|---|---|---|---|---|
| Chase Sapphire Reserve | Eating and journey insurance coverage |
Earn 100,000 factors plus a $500 Chase Journey℠ promo credit score after spending $5,000 on purchases within the first three months from account opening. . |
Factors on travel-related purchases can be earned after the $300 journey credit score has been used every anniversary 12 months. |
$795 |
| Chase Sapphire Most well-liked | Newer factors lovers | Earn 75,000 factors after spending $5,000 on purchases throughout the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn $200 money again after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Ink Enterprise Limitless Credit score Card | No annual price on a enterprise card | Earn $750 after spending $6,000 on purchases throughout the first three months of account opening. |
|
$0 |
| Ink Enterprise Most well-liked | Enterprise vacationers | Earn 90,000 factors after spending $8,000 on purchases throughout the first three months of account opening. |
|
$95 |
| Southwest Speedy Rewards Precedence | Frequent Southwest Airways flyers | Earn 50,000 factors after spending $1,000 on purchases throughout the first three months of account opening. |
|
$149 |
| Ink Enterprise Money | Workplace provides and expertise companies | Earn as much as $750 money again: $350 money again after spending $3,000 on purchases throughout the first three months of account opening and an extra $400 once you spend $6,000 on purchases throughout the first six months after account opening. |
|
$0 |
| Chase Freedom Flex | Rotating bonus classes | Earn $200 money again after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Southwest Speedy Rewards Plus | Southwest loyalists who need a low annual price | Earn 50,000 factors after spending $1,000 on purchases throughout the first three months of account opening. |
|
$69 |
| Prime Visa | Amazon buyers | Get a $200 Amazon present card immediately upon approval, solely for Prime members. |
|
$0, although this card requires a Prime membership |
Chase Sapphire Reserve
Welcome supply: Earn 100,000 factors, plus a $500 Chase Journey promo credit score after spending $5,000 on purchases within the first three months from account opening.
Annual price: $795.
Day by day E-newsletter
Reward your inbox with the TPG Day by day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Standout advantages: When the Sapphire Reserve first launched in 2016, I jumped on the likelihood to get it. I used to be instantly attracted by options just like the $300 journey credit score, which I at all times discovered extraordinarily straightforward to make use of, and the beneficiant incomes price of three factors per greenback spent eating, one in every of my largest spending classes.
Whereas I in the end 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 loads to like about it.
This card not too long ago obtained a significant refresh, and whereas it retained a few of my favourite perks, together with the $300 journey credit score and the eating earn price, it now additionally options up to date bonus classes and new way of life and journey credit — a few of which apply to reservations made inside Chase Journey.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which $550-plus card is best for you?
Beforehand, utilizing Chase Journey helped me get respectable worth on flights and motels when good switch choices weren’t accessible. For instance, I leaned closely on the portal when reserving flights and motels in Ushuaia, Argentina, earlier than setting sail on a cruise to Antarctica.
I additionally liked utilizing the Sapphire Reserve for major rental automotive insurance coverage whereas touring. It supplied 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.
For extra particulars, see our full overview of the Chase Sapphire Reserve.
Associated: Chase Sapphire bonus eligibility modifications
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Welcome supply: Earn 75,000 factors after spending $5,000 on purchases throughout the first three months of account opening.
Annual price: $95.
Standout advantages: The Sapphire Most well-liked has lengthy been one of the fashionable journey bank cards on the market — and for good purpose. Between its incomes charges and perks, it is a point-earning workhorse. Plus, it sports activities a really attractive 75,000-point welcome bonus that is extremely profitable since Chase Final Rewards factors will be transferred to a variety of resort and airline companions.
I really like transferring factors earned with my Chase Sapphire Most well-liked to Hyatt to guide luxe resort 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 significant class for me because it covers every little thing from the effective eating eating places I really like attempting out when touring to the meals vehicles I frequent in my dwelling metropolis of Portland, Oregon, to the espresso store I go to every day with my canine.
Associated: I’ve the Chase Sapphire Most well-liked — which card ought to I get subsequent?
It additionally earns 3 factors per greenback spent on on-line groceries, which is my most popular technique of buying cumbersome gadgets like canned beans and child system, (excludes Walmart, Goal and wholesale golf equipment).
This card additionally consists of a minimum of one 12 months of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027), and though I do not order supply steadily, it is simple to get worth from the membership, which cuts down on the charges related to every order.
For extra particulars, see our full overview of the Chase Sapphire Most well-liked Card.
Apply right here: Chase Sapphire Most well-liked
Chase Freedom Limitless
Welcome supply: Earn $200 money again after you spend $500 on purchases throughout the first three months of account opening.
Annual price: $0.
Standout advantages: The Chase Freedom Limitless is an indispensable a part of my bank card technique.
It earns a minimum of 1.5% money again — or 1.5 factors per greenback once you pair this card with an Final Rewards-earning product (extra on that beneath) — on all purchases, together with those who fall exterior one in every of its bonus classes. This implies it is an important selection for many who wish 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 rationale 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 does not supply the flexibility to switch factors to Chase’s airline and resort companions, that every one modifications should you additionally maintain a card that earns Chase Final Rewards factors.
Those that have the Sapphire Most well-liked, the Sapphire Reserve or the Ink Enterprise Most well-liked 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 would earn simply 1 level per greenback with a special card. That is a 50% improve in incomes potential on retail purchases, live performance tickets, medical payments and extra — all for no annual price.
Since there is not any annual price 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 too can get Chase playing cards within the reverse order. Up to now, I’ve beneficial the Freedom Limitless as a stepping-stone product to family and friends members who could not but have the credit score rating or historical past wanted to safe a Sapphire card.
For extra particulars, see our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Ink Enterprise Limitless Credit score Card
Welcome supply: Earn $750 after you spend $6,000 on purchases throughout the first three months of account opening.
Annual price: $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 choice for enterprise homeowners of all stripes.
Like its shopper counterpart, it is best leveraged as a part of a duo with an Final Rewards-earning card, as that may unlock the flexibility to transform the money again it earns into transferable factors. I really like transferring my factors to packages like British Airways, which has a distance-based award chart that enables me to guide economic system Alaska Airways flights up and down the West Coast at very cheap 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, delivery and promoting, there are such a lot of enterprise bills that do not fall underneath these umbrellas.
Up to now, I’ve used this card for bills associated to constructing and sustaining a web site and e mail checklist, in addition to for software program platforms like Zoom.
For extra particulars, see our full overview of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless
Ink Enterprise Most well-liked Credit score Card
Welcome supply: Earn 90,000 factors after you spend $8,000 on purchases throughout the first three months of account opening.
Annual price: $95.
Standout advantages: The Ink Enterprise Most well-liked is a heavy hitter within the enterprise card class due to nice incomes charges, a hefty welcome bonus and an affordable annual price.
It earns 3 factors per greenback spent on the primary $150,000 spent in mixed purchases every year on a variety of enterprise classes, lots of that are extensively helpful.
For instance, I really like utilizing the cardboard to earn 3 factors per greenback spent on journey, a class that features every little thing from airfare and motels to taxis and parking tons. Even when your online business does not particularly relate to journey, making the most of this incomes price on purchases which can be travel-adjacent may help you maximize your spending.
The Ink Enterprise Most well-liked can also be my go-to card for incomes bonus factors on web, cable and telephone companies, which might apply to nearly each enterprise.
I initially took out this card to help a contract writing enterprise, for which web entry was essential. Later, as I moved into journey consulting, I jumped on the chance to earn additional factors on promoting purchases with social media websites, netting 3 factors per greenback spent to spice up posts on Instagram.
The Ink Enterprise Most well-liked sports activities a hefty welcome bonus of 90,000 factors, and whereas the spending requirement is excessive at $8,000 over three months, if your online business can help that stage of spend, it is a suggestion you do not wish to miss.
Within the final couple of years, I’ve transferred fewer than 90,000 factors to Chase companions like Air Canada and United Airways to guide business-class flights to Japan and Tahiti, respectively.
For extra particulars, see our full overview of the Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked
Southwest Speedy Rewards Precedence Credit score Card
Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening.
Annual price: $149.
Standout advantages: Southwest is a switch accomplice 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 Speedy Rewards Precedence card and their impression 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 may help you entry discounted Wi-Fi to deal with any last-minute journey particulars or get pleasure from a reduced glass of wine. In the meantime, 4 upgraded boardings per 12 months (when accessible) may help you beat the boarding chaos and provide you with additional time to get settled.
Plus, the cardboard comes with further options that assist offset the annual price — after which some. It comes with a $75 annual Southwest journey credit score and seven,500 factors every year in your cardmember anniversary, each of which can get you nearer to your subsequent journey.
For me, that is typically 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 Speedy Rewards Precedence additionally comes with a ten,000-point qualifying enhance every year for Southwest’s coveted Companion Move, which lets you designate a journey companion to fly in your itineraries for simply the worth of taxes and costs, whether or not you guide with money or factors.
For extra particulars, see our full overview of the Southwest Speedy Rewards Precedence card.
Apply right here: Southwest Speedy Rewards Precedence
Ink Enterprise Money Credit score Card
Welcome supply: Earn as much as $750 money again: $350 money again after you spend $3,000 on purchases throughout the first three months of account opening and an extra $400 once you spend $6,000 on purchases throughout the first six months after account opening.
Annual price: $0.
Standout advantages: In the event 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 best place.
My favourite characteristic 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 12 months at workplace provide shops and on web, cable and telephone companies.
It is simple to see how web and telephone companies are helpful for many enterprise homeowners. My computer-based freelance writing and journey consulting aspect hustles have at all times relied on the web. However even my husband, who walks canine exterior his nine-to-five, makes use of his telephone and the web for consumer communication and administrative work, reminiscent of 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, yow will discover a number of worth right here should you search for it.
Staples, as an illustration, sells every little thing from workplace furnishings to passport companies to Apple AirPods, and I’ve even bought meals there in the course of the workday greater than as soon as. Its web site even has a bit you’ll be able to scope out titled “Sure, Staples has that” should you’re not satisfied of this bonus class’s broad utility.
For extra particulars, see our full overview 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 price: $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% value it for the payoff.
The Freedom Flex affords 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 12 months, which is fairly nice for a card with out an annual price. 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 upfront, 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.
Not too long ago, a bonus on purchases at pet retailers and veterinary companies helped me earn so many factors throughout an emergency with my canine that I used to be capable of guide a free resort room in London.
For extra particulars, see our full overview of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Southwest Speedy Rewards Plus Credit score Card
Welcome supply: Earn 50,000 factors after you spend $1,000 on purchases throughout the first three months of account opening.
Annual price: $69.
Standout advantages: Whereas we love the Southwest Speedy Rewards Precedence card, there’s one other inexpensive choice that additionally supplies nice worth: the Southwest Speedy Rewards Plus.
An annual price of simply $69 will get you entry to lots of the similar advantages, together with the 25% low cost on inflight purchases, the ten,000-point qualifying enhance every year for the Companion Move and an incomes price of two factors per greenback spent on classes like native transit and commuting, Speedy Rewards motels and automotive rental accomplice purchases, and choose streaming companies.
Each playing cards even have one other characteristic in widespread that may quickly turn out to be vital when Southwest ends its longtime bags-fly-free coverage: They will every will let you test your first bag freed from value.
As a brand new mother who totes round a number of child provides, this profit is extraordinarily engaging to me. With such a low annual price, the cardboard would probably make sense for me based mostly on the bag perk alone.
For extra particulars, see our full overview of the Southwest Speedy Rewards Plus card.
Apply right here: Southwest Speedy Rewards Plus
Prime Visa
Welcome supply: Get a $200 Amazon present card immediately upon approval, solely for Prime members.
Annual price: $0, although this card requires a Prime membership.
Standout advantages: A favourite amongst Amazon lovers, the Prime Visa is ideal for these with Amazon Prime accounts who spend steadily at Amazon and Complete Meals and wish to earn money again reasonably 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).
It nets a profitable 3% money again at amazon.com and on purchases from Amazon Contemporary and Complete Meals Market, which covers just about something you could possibly probably want, together with meals, family provides, clothes and items. However the incomes price will get much more spectacular if in case you have an eligible Prime membership, leaping to five%.
As a brand new mother or father, it appears like I flip to Amazon almost each day for one factor or one other. Whether or not it is provides like diapers, wipes or system that I did not notice had been operating low or a last-minute outfit for a themed day at day care, 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.
For extra particulars, see our full overview of the Prime Visa.
Apply right here: Prime Visa
What to contemplate when selecting a Chase bank card
Whereas all these playing cards can present immense worth when used to their full potential, it is vital to contemplate a couple of particular components earlier than making your choice. Considering via them will make sure you’re choosing a card that most accurately fits your way of life, price range, preferences and journey objectives.
Whereas figuring out one of the best card for you would possibly really feel overwhelming, keep in mind that your choice isn’t set in stone; you’ll be able to at all times product change a card after holding it for a 12 months with out affecting your credit score rating.
Associated: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
I did this a couple of years again, downgrading my Sapphire Reserve to the Chase Freedom Flex because the Freedom Flex was higher suited to my spending wants on the time.
Finally, I settled on the Sapphire Most well-liked as my major Final Rewards-earning card, and I’ve held it ever since.
Most well-liked rewards
Serious about what sort of rewards you’d wish to earn is a superb place to begin for selecting a bank card. Do you wish to hold it easy with money again? Or, are you desirous to dive into the world of transferable journey factors?
Associated: The perfect rewards bank cards so as to add to your pockets
Welcome bonus
Welcome bonuses are vital on the earth of bank cards, as they characterize your finest likelihood to earn a big sum of factors directly. In addition they differ all year long.
Associated: Greatest time to use for Chase playing cards based mostly on supply historical past
Spending habits
To get the very best return in your spending, you will wish to contemplate 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 buying 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 12 months after 12 months.
Annual price
In fact, you will additionally wish to assume via your price range and what, if something, you are keen to spend on bank card annual charges.
Chase affords a variety of choices, from $0 all the way in which as much as $795, so there’s one thing for everybody. Whereas getting greater than your cash’s value with any of those playing cards is actually potential, a premium providing solely is smart should you can maximize the cardboard’s advantages.
How we selected one of the best Chase bank cards
We selected one of the best Chase bank cards based mostly on a number of components, together with welcome affords, perks and advantages, and reward incomes charges — notably in fashionable spending classes.
To be taught extra about how TPG evaluates and chooses playing cards to characteristic 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 rely upon which card you go for. With the Southwest cobranded playing cards, it is vital to notice that you’re going to solely earn Speedy Rewards factors, whereas the Sapphire Most well-liked, the Sapphire Reserve and the Ink Enterprise Most well-liked earn Final Rewards factors that may be transferred to a variety of airline and resort companions — Southwest included.
The Prime Visa, the Ink Enterprise Most well-liked, the Ink Enterprise Money, the Chase Freedom Limitless and the Chase Freedom Flex all earn money again should you desire to earn money as an alternative of journey rewards. Nevertheless, the latter 4 playing cards have the flexibleness to transform these rewards to transferrable 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 steadily and really feel assured that I can get extra worth out of Final Rewards factors than money again.
Backside line
Regardless of the place you might be together with your bank card technique, Chase has a card that may fit your wants. Bank card rookies 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 Ink Enterprise Most well-liked, the Ink Enterprise Limitless or the Ink Enterprise Money.
Whichever card you choose, relaxation assured you can’t go unsuitable. With helpful perks and protections, nice incomes charges and wholesome welcome bonuses, Chase playing cards are among the many most precious you’ll be able to have in your pockets.
Associated: Causes the Chase Sapphire Most well-liked ought to be your subsequent bank card
