Chase Bank has a lot of different credit cards on offer, meaning they have a credit card that will appeal to pretty much everyone.
Whether you’re looking for a premium travel card, great cash back options, no annual fees, cards that maximize your reward points, a credit card for your small business, or even a student card — Chase has you covered.
But with all these options comes the struggle of determining which Chase card is right for you. If the amount of available cards makes you feel overwhelmed, we’re here to help you figure out which is the best one for your circumstances!
Best Chase Credit Cards in March 2023
- Ink Business Unlimited® Credit Card: $900 bonus
- Chase Sapphire Preferred® Card: 60,000 bonus points
- Chase Freedom Flex℠: $200 bonus
- Chase Freedom Unlimited®: $200 bonus
- Ink Business Preferred® Credit Card: 100,000 bonus points
- Chase Sapphire Reserve®: 60,000 bonus points
- World of Hyatt Business Credit Card: 60,000 bonus points
- Chase Freedom® Student credit card: $50 bonus
- IHG® Rewards Traveler Credit Card: 120,000 bonus points
- Ink Business Cash® Credit Card: $900 bonus
- IHG® Rewards Premier Business Credit Card: 140,000 bonus points
- IHG® Rewards Premier Credit Card: 175,000 bonus points
1. Ink Business Unlimited® Credit Card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $900 bonus to new Ink Business Unlimited® cardholders.
They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!
The Ink Business Unlimited Card from Chase offers steady cashback across all categories, so you don’t have to worry about tracking bonus categories or spending caps. It’s a great option for earning modest rewards with a welcome bonus and a host of ongoing incentives for applicants.
Ink Business Unlimited® Credit Card - $900 bonus
The Ink Business Unlimited® Credit Card offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:
- Apply for a new Ink Business Unlimited® credit card using the link below.
- Within 3 months, spend $6,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.
Learn more about the Ink Business Unlimited® Credit Card $900 bonus offer
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2. Chase Sapphire Preferred® Card
Chase is offering 60,000 bonus points to new Chase Sapphire Preferred® cardholders. This is down, unfortunately, from the 80,000 points reward they were offering just recently.
Those points can be redeemed for $600 cash, or they can be stretched to $750 if put towards travel through Chase Ultimate Rewards®.
This is in addition to the revamped points structure that now offers higher rewards in several categories and the new $50 annual hotel statement credit.
In the world of travel cards, the Chase Sapphire Preferred Card is hard to beat. Its low annual fee, perks, and travel rewards make it a perfect fit for travelers looking to rack up rewards for their next trip or for seasoned pros looking to combine forces with multiple Chase cards.
Chase Sapphire Preferred® Card - 60,000 bonus points
The Chase Sapphire Preferred® Card offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Chase Sapphire Preferred® credit card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 60,000 points, which can be redeemed for $600 cash or $750 in travel rewards.
Learn more about the Chase Sapphire Preferred® Card 60,000 bonus points offer
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3. Chase Freedom Flex℠
In addition to the other card perks like cash back and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Flex℠ cardholders.
You will also earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year, which equates to a possible $600 additional bonus if you max the benefit.
If you’re willing to monitor categories and spend strategically, you can really maximize your earnings with the Chase Freedom Flex Card. It provides a welcome bonus, generous cashback rewards, and rotating quarterly bonus categories with a slew of other perks.
Chase Freedom Flex℠ - $200 bonus
The Chase Freedom Flex℠ offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Chase Freedom Flex℠ credit card using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 20,000 points, which can be redeemed for $200.
Learn more about the Chase Freedom Flex℠ $200 bonus offer
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4. Chase Freedom Unlimited®
In addition to the other card perks like cash back and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Unlimited® cardholders.
Plus, Chase recently updated this offer to also include 5% cash back on the first $12,000 spent at grocery stores within the first year. If you max that benefit, you could see an extra $600 in your pocket, in addition to the $200 welcome offer.
Tip: Want to earn even more? You can earn an additional $500 cash back each year by referring friends, with each successful referral earning you $100.
If you’re looking for a card that works for you on all fronts, check out Chase Freedom Unlimited. With enticing offers for new cardholders, top-notch rewards, and flexible redemption options, it brings more to the table than a lot of no-annual-fee cards.
Chase Freedom Unlimited® - $200 bonus
The Chase Freedom Unlimited® offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Chase Freedom Unlimited® credit card using the link below.
- Within 3 months, spend $500 using your new card.
- $200 Bonus will be credited within 6 to 8 weeks.
Learn more about the Chase Freedom Unlimited® $200 bonus offer
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5. Ink Business Preferred® Credit Card
Chase is offering 100,000 bonus points to new Ink Business Preferred® cardholders. Those points can be redeemed for $1,000 cash, or they can be stretched to $1,250 if put them toward travel through Chase Ultimate Rewards®.
To get the points, you will need to make $15,000 worth of purchases in the first three months.
Offering high rewards on bonus categories that can be redeemed via the Ultimate Rewards Program, a sweet welcome bonus, and a handful of premier perks, the Chase Ink Business Preferred Card is an excellent choice for the average business owner who doesn’t mind a small annual fee.
Ink Business Preferred® Credit Card - 100,000 bonus points
The Ink Business Preferred® Credit Card offer requires you to make purchases using the account's card in order to earn the 100,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Ink Business Preferred® credit card using the link below.
- Within 3 months, spend $15,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 100,000 points, which can be redeemed for $1,000 cash or $1,250 in travel rewards.
Learn more about the Ink Business Preferred® Credit Card 100,000 bonus points offer
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6. Chase Sapphire Reserve®
Chase is offering 60,000 bonus points to new Chase Sapphire Reserve® cardholders. Those points can be redeemed for $600 cash, or they can be stretched to $900 if you put them toward travel through Chase Ultimate Rewards®.
The Chase Saphire Reserve card is one of the best travel cards on the market, with a ton of premiere perks like lounge access, excellent rewards, and account credits. If you’re a frequent traveler and take advantage of all the card has to offer, you can easily offset the annual fee.
Chase Sapphire Reserve® - 60,000 bonus points
The Chase Sapphire Reserve® offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Chase Sapphire Reserve ® credit card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 60,000 points, which can be redeemed for $600 cash or $900 in travel rewards.
Learn more about the Chase Sapphire Reserve® 60,000 bonus points offer
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7. World of Hyatt Business Credit Card
The World of Hyatt Business credit card is a relatively new co-branded business card from Chase and Hyatt, and they're offering 60,000 bonus points to new cardholders.
Unfortunately, this is down from their previous offer of 75,000 points.
That said, 60,000 points is still enough to cover the cost of up to 12 nights at a category 1 hotel, and the spend requirement was also reduced to reflect the lower reward – from $7,500 to $5,000.
Plus, this is in addition to the other great perks of the card (jump below to read more). Keep in mind, however, that the card has a $199 annual fee which is not waived in the first year (unlike many other annual-fee cards) – so factor that in accordingly.
If you’re partial to Hyatt properties and your business takes you on the road often, the World of Hyatt Business Card from Chase should be on your radar as a tool to help you save and work your way up to elite status. You’ll also enjoy competitive rewards and exclusive perks.
World of Hyatt Business Credit Card - 60,000 bonus points
The World of Hyatt Business Credit Card offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new World of Hyatt Business credit card using the link below.
- Within 3 months, spend $5,000 using your new card.
- Bonus points will be credited to your World of Hyatt account within 6 to 8 weeks.
Learn more about the World of Hyatt Business Credit Card 60,000 bonus points offer
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8. Chase Freedom® Student credit card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $50 bonus to new Chase Freedom® Student cardholders.
Bonus: Cardholders also earn a $20 bonus each year on their account anniversary, for up to 5 years. That will come in the form of 2,000 points, and all you need to do to qualify is have the card in good standing.
Chase Freedom® Student credit card - $50 bonus
The Chase Freedom® Student credit card offer requires you to make purchases using the account's card in order to earn the $50 bonus. Full requirements to receive this bonus are:
- Apply for a new Chase Freedom® Student credit card using the link below.
- Within 3 months, make a purchase using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 5,000 points, which can be redeemed for $50.
Learn more about the Chase Freedom® Student credit card $50 bonus offer
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9. IHG® Rewards Traveler Credit Card
Chase is currently offering 120,000 bonus points to new IHG® Rewards Traveler cardholders. This is up from their offer of 80,000 points earlier this year.
The 120,000 points is enough for 3 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more. Not bad for a card with no annual fee!
The IHG Rewards Traveler Card from Chase doles out a high reward for IHG stays, along with bonus categories for everyday spending. If you’re an IHG regular who wants to earn when you book trips without having to pay an annual fee, this card could be a valuable addition to your wallet.
IHG® Rewards Traveler Credit Card - 120,000 bonus points
The IHG® Rewards Traveler Credit Card offer requires you to make purchases using the account's card in order to earn the 120,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new IHG® Rewards Traveler credit card using the link below.
- Within 3 months, spend $2,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG® Rewards Traveler Credit Card 120,000 bonus points offer
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10. Ink Business Cash® Credit Card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $900 bonus to new Ink Business Cash® cardholders.
They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!
The Chase Ink Business Cash Card is a great rewards card for small business owners, especially if you rack up a lot of telecom and office supply purchases. Since the card earns Chase Ultimate Rewards, you can redeem them a number of ways, making the fee-free card even more appealing.
Ink Business Cash® Credit Card - $900 bonus
The Ink Business Cash® Credit Card offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:
- Apply for a new Ink Business Cash® credit card using the link below.
- Within 3 months, spend $6,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.
Learn more about the Ink Business Cash® Credit Card $900 bonus offer
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11. IHG® Rewards Premier Business Credit Card
When IHG recently revamped its reward programs, it also introduced changes to its credit card lineup – including the introduction of this business equivalent to its personal IHG® Rewards Premier credit card. The personal card's perks, earnings rates, and introductory bonus offer were all improved – and all of that was cloned to this card for business owners.
As a new IHG® Rewards Premier Business cardholder, Chase is offering 140,000 bonus points after you spend $3,000 on the card. That's nearly 4 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more.
Additionally, you can get an extra $100 statement credit and 10,000 bonus points every year by spending $20,000 using your card and then making one additional purchase at least one day after you meet the $20k threshold.
The IHG Rewards Premier Business Card is a smart addition to your wallet if you’re a small business owner who can book regular stays at IHG properties. The welcome bonus, generous rewards, and perks like a free night’s stay each year help to justify the low annual fee for IHG loyalists.
IHG® Rewards Premier Business Credit Card - 140,000 bonus points
The IHG® Rewards Premier Business Credit Card offer requires you to make purchases using the account's card in order to earn the 140,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new IHG® Rewards Premier Business credit card using the link below.
- Within 3 months, spend $3,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG® Rewards Premier Business Credit Card 140,000 bonus points offer
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12. IHG® Rewards Premier Credit Card
Chase is offering 175,000 bonus points to new IHG® Rewards Premier cardholders – up from their previous offer of 140,000 points. That's nearly 6 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more.
Additionally, you can get an extra $100 and 10,000 bonus points every year by spending $20,000 using your card and then making one additional purchase at least one day after you meet the $20k threshold.
With IHG hotel rewards, elite perks, bonus categories, and other premier perks, the IHG Rewards Premier Card from Chase has a lot to offer cardholders who want to put their points towards IHG stays and travel frequently enough to make up for the annual fee.
IHG® Rewards Premier Credit Card - 175,000 bonus points
The IHG® Rewards Premier Credit Card offer requires you to make purchases using the account's card in order to earn the 175,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new IHG® Rewards Premier credit card using the link below.
- Within 3 months, spend $3,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG® Rewards Premier Credit Card 175,000 bonus points offer
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How to Choose the Best Chase Credit Card for You
Choosing a credit card is very much a matter of what will work best for you, your lifestyle, and your spending habits.
Ask yourself a few questions:
Am I okay with paying an annual fee?
To get the highest level of rewards offered, you’ll have to pay an annual fee. For many people, getting to the premium rewards tiers is worth the cost. If that’s not the case for you, Chase has plenty of lower-reward options with no annual fee as well.
What kind of rewards do I want?
While straight cash back is always nice, you might want to look at Chase’s travel cards if your spending veers more towards travel.
There are also a few other categories of reward in Chase’s offerings, so you might find that there’s something which more closely matches the kind of spending you do.
Am I interested in more than one card?
Chase has plenty of cards that complement each other in different ways.
If you’re really looking to max out your rewards, look for the two or three Chase cards that offer the most when you use them together for different purchases.
Combine multiple credit cards to receive max benefit. For example, you a Chase Freedom Unlimited® card pairs well with a Chase Sapphire Preferred Card®
Will I use Chase Ultimate Rewards?
Again, while cash back is always nice, your Chase rewards points are worth more if you redeem them through the Chase Ultimate Rewards Program or transfer points to a hotel or airline partner.
Can I shoulder a high interest rate?
When it comes down to it, credit cards are about spending and taking on debt. As a result, going for a low-rate, low-rewards card might be best for you.
Make sure that you’re honest with yourself about this — don’t sign up for more than you can chew!
About Chase Bank
Chase Bank is the public banking wing of JPMorgan Chase, the largest consumer bank in the US. Because of its size and reach, Chase Bank is able to offer one of the widest ranges of credit cards out there.
JPMorgan Chase is headquartered in New York, and Chase has a network of more than 4,500 branches and 16,000 ATMs. This number of branches and ATMs means Chase is a highly accessible bank for most people.
Types of Chase Credit Cards
Chase’s broad offerings can be broken down into a few categories.
While some of their cards will fall outside these buckets (Chase does offer a student card, and low-interest no-rewards cards), you can narrow down your search for the best Chase credit card based on what you’re looking to purchase with your credit card.
Travel Credit Cards
This is seen by many as Chase’s best category, with more than one card vying for the top travel card spot.
A number of their premium cards earn more rewards when they’re used to buy travel, and through Chase’s Ultimate Rewards® program, those points can go farther when they’re redeemed with Chase’s travel partners.
For even greater appeal to those who travel regularly, many of Chase’s premium cards have no foreign transaction fees.
Cash Back and Rewards Credit Cards
Even though Chase likes to have its customers earning Ultimate Rewards points, it’s worth noting that these points are redeemable for cash.
In addition, Chase has a lot of cards that offer great cash back rates— especially when they’re used together! It might take a bit of organization to get the most out of these credit cards, but it’s worth it.
Business Credit Cards
As the name would suggest, these are business cards exclusively for businesses. This also includes small businesses — with a couple of great cards on offer for small business spending.
Chase has its own Ink credit cards which offer rewards or cash back, and to appeal to the business traveler some of their co-branded travel cards are business-only— meaning flights and hotel stays can earn even better rewards.
Co-Branded Credit Cards
Chase has a frankly vast number of partnerships within their credit card offerings. Most of these are with airlines like United and Southwest, or hotel chains like Hyatt and Marriott. However, Chase also offers co-branded cards with businesses like Amazon and Disney.
Co-branded cards come with more than just higher rewards on spending with the card partner. They can also offer exclusive benefits with the card partner, allowing you to access new perks straight away!
Pros and Cons of Chase Credit Cards
Pros
- Variety: Chase has a lot of different cards on offer, so you will almost certainly be able to find a card that suits your lifestyle or business needs — whether you want straight cash back or discounts on Disney.
- Flexibility: The Chase Ultimate Rewards® Program is very flexible, and in particular offers good options to redeem your rewards on flights and hotels.
- You Can Use Multiple Chase Cards: You can make the most of the Chase Ultimate Rewards Program by pairing up credit cards — there are plenty that complements each other well!
Cons
- High Credit Score Requirements: Almost every Chase credit card requires a FICO Score of 680 to 800, which means your credit has to be either good or excellent. Unlike some other banks, Chase doesn’t offer any beginner credit cards other than their Chase Freedom® Student Card.
- High Annual Fee for Premium Cards: While Chase does have a lot of cards with no annual fee, you will have to pay more than average if you want a card that gets the best perks and rewards.
Chase Ultimate Rewards® Program: How it Works
The Chase Ultimate Rewards® Program is one of the most flexible rewards programs out there, with plenty of options for getting rewards. This is especially true if you’re looking to spend your rewards points on travel.
You can earn Chase Ultimate Rewards Points by spending on eligible Chase credit cards, making purchases using the Shop through Chase online portal, or by referring other people. You can also earn bonus points when you make purchases from businesses who partner with Chase, or spending in bonus categories — depending on your card.
Redeeming these points is where the flexibility really comes in. You can redeem your points for cash back, at a rate of 1¢ per point. Or you can redeem points for booking travel in the Ultimate Rewards travel portal, at a rate of 1-1.5¢ per point, depending on your card. Or you can also transfer your points to Chase’s 10 Airline and 3 Hotel Travel Partners, usually at a 1-for-1 rate. This is usually a great option especially for travel, as one air mile tends to be worth more than one cent.
You can also buy a number of different gift cards through the Chase Ultimate Rewards® portal, usually at the same rate as cash — though Chase does sometimes offer specials on gift cards that increase the value of your points, so keep an eye out for those!
If you’re more looking to spend time on the ground instead, you can redeem Chase Ultimate Rewards Points for purchases with Apple or Amazon. There are also options for making charitable donations using your points if you’re keen to do some good with your rewards.
What really sets Chase Ultimate Rewards® Points apart is being able to easily transfer them from one card account to another, so you can make the most of the reward offerings from each card. Even some cards marketed as cash back cards, like the Chase Freedom Unlimited, can convert their cash back to points if they have another card that participates in Ultimate Rewards.
Frequently Asked Questions
Who does Chase partner with for their co-branded cards?
Chase has a wide variety of partners for co-branded cards. These include:
- United
- Southwest
- Aeroplan
- Hyatt
- Marriott Bonvoy
- IHG
- Amazon Prime
- Disney.
Using these cards is a great way to make the most of what these companies offer, particularly if you do a lot of spending with them.
What credit score is required for a Chase credit card?
There’s no specific number that you need to hit to be able to qualify for a Chase card, but it’s certainly no secret that Chase requires a score of either Good or Excellent to qualify for all but their Chase Freedom® Student Card.
This means that anything below 680 is likely to see you miss out on approval.
How much income do you need to qualify for a Chase credit card?
This isn’t a clear-cut number in any way.
There are a lot of factors Chase will take into account when you apply for a credit card, and your income is only one of them — they’ll also check your credit score, look at your outgoings, and see how much debt you have.
How much income you need also depends on the card you’re applying for — some Chase credit cards have high minimum credit limits, so the bank will need to be satisfied you can make payments on that minimum limit.
Is Chase a good credit card to have?
Short answer: yes. They offer some impressive rewards and sign-up incentives, and you can find plenty of different cards to suit your lifestyle.
If you pair it up with a second Chase credit card, and use the Ultimate Rewards Program as much as possible, you can really get a lot out of your spending on a Chase credit card!
Why is it so hard to get a Chase credit card?
Chase Bank has a bit of a reputation as being hard to qualify for. In general, they require you to have a good or excellent credit rating — meaning above 680 at least.
This means if you have low credit or no credit, you’re unlikely to qualify. Chase also takes into account your income and existing debts, which might also disqualify you.
What is the 5/24 rule?
This is an unwritten Chase rule that trips people up so often that quite a lot has been written about it.
The 5/24 rule is a Chase requirement that you cannot have been approved for 5 or more credit cards in the previous 2 years.
This is to prevent something called churning — where a customer opens a credit account, gets the sign-up perks, and then moves onto the next card.
Which Chase card should I get first?
General consensus is that the Chase Sapphire Preferred is the first Chase card to apply for, especially if you are looking to build the trifecta.
If you are more interested in cash back, or looking for a zero fees option, then the Chase Freedom Unlimited is a great beginner card — and is also part of the Chase Trifecta.
What is the Chase Trifecta?
The Chase Trifecta is the name given for three Chase credit cards that work best when used together to achieve maximum rewards. These are the Chase Freedom Flex℠, Chase Freedom Unlimited®, and either the Chase Sapphire Preferred® or Chase Sapphire Reserve®.
Whether or not the Chase Trifecta is worth it depends on how organized you are when you’re using them.
You’ll need to be sure you’re using the right card for the right purchase categories at the right time of year. This is a lot of life admin, but when you get used to it, you can get a significant boost on your spending.
How many Chase credit cards can I have at once?
While there isn’t a specific number of cards you max out at — there are plenty of accounts of people who have had six or eight Chase credit cards at once — having multiple credit cards will be something that affects your likelihood of being approved.
If you have both business and personal cards with Chase, you can easily get four cards. This will require you to have excellent credit, of course.
What’s the easiest Chase card to be approved for?
The Chase Freedom® Student Card is the easiest to get approved for, provided you are a college student.
Chase discontinued the no-rewards Chase Slate Card, which used to accept slightly lower credit scores than other Chase cards. They’ve replaced it with the equally no-frills Chase Slate Edge Card, but unfortunately, this isn’t any easier to get than cards with bonuses.
Does Chase offer a secured credit card?
At this time, there are no secured credit cards offered by Chase. Your best option to build your credit is the Chase Freedom Student Card — but as the name suggests, this is aimed at college students.
Are Chase Credit Cards Worth It?
The short answer is yes, Chase credit cards are worth it. The large range of cards available, flexible rewards, and range of fees mean you can get a Chase credit card that suits your spending needs and lifestyle.
Business customers can also get great rewards and particular travel perks. Additionally, when you pair Chase credit cards together, they become that much more powerful.
Ultimately: Whether any credit card is worth it is a personal decision, and you’ll need to make sure you have a handle on your financial needs and desires before applying!
