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Disney® Visa® Debit Card
- Annual Fee None
- Credit Needed No Credit Required
- Processing Network Visa
- Save 10% on select purchases at Disney store and shopDisney.com
- Pose for special photos at our private Cardmember locations at Walt Disney World® Resort and the Disneyland® Resort
- 10% off select merchandise purchases of $50 or more at select Disney locations
- 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort.
- 10% off the non-discounted price of select recreation experiences at Walt Disney World® Resort.
- Foreign Transaction Fee: 3% of the transaction in U.S. dollars
Chase Slate Edge
- Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Intro Purchase APR 0% for the first 12 months
- Processing Network Visa
- No annual fee
- Lower your interest rate by 2% each year
- Get an automatic, one-time review for a higher credit limit after six months
- 0% introductory APR on purchases and balance transfers for 12 months from account opening
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greate
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.995 variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
United Quest Visa Signature Card
- Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee $250
- Credit Needed Excellent , Good
- Processing Network Visa
- 3X miles on United Purchases
- 2X miles on all other travel purchases and streaming services
- $125 annual United purchase credit
- Global Entry or TSA PreCheck® fee credit
- Priority boarding
- No foreign transaction fees
- Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
United Gateway℠ Card
- Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 2 miles per $1 spent on United purchases, at gas stations, and on local transit and commuting
- Get 25% back on in-flight purchases, including food, beverages, and Wi-Fi on board United-operated flights
- No annual fee and no foreign transaction fees
- No blackout dates when you use miles to book any United-operated flight
- Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Chase Freedom Flex World Elite Mastercard
- Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Mastercard
- Earn 5% cash back on travel purchased through Chase Ultimate Rewards
- Also earn 5% back on up to $1,500 in combined purchases in bonus categories each quarter
- Earn 3% back on dining at restaurants (including takeout and delivery services) and drugstore purchases
- Earn unlimited 1% back on all other purchases
- No annual fee
- Get 5% cash back on Lyft rides through March 2022
- Get a complimentary 3 months of DashPass from DoorDash
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Chase Freedom® Student Credit Card
- Regular Purchase APR 14.99% variable based on the Prime Rate
- Balance Transfer APR 14.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , Poor
- Processing Network Visa
- Earn 1% in cash back for all of your purchases
- Earn an annual $20 bonus for 5 years when you keep your account in good standing
- $50 signup bonus when you make your first purchase in the first 3 months
- 3 complimentary months of DashPass, then a 50% discount for 9 months when you subscribe before December 31, 2021
- Earn 5% cash back on Lyft rides until March 31, 2022
- Receive a credit limit increase when you pay your bills on time in the first 10 months
- Contactless pay and unlimited access to your monthly credit score
- Regular Purchase APR: 14.99% variable based on the Prime Rate
- Balance Transfer APR: 14.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
IHG® Rewards Club Traveler Credit Card
- Regular Purchase APR 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Mastercard
- 15X points at IHG Hotels and Resorts worldwide
- 2X points per $1 spent at gas stations, grocery stores and restaurants
- 1X points on all other purchases
- Gold Elite status after spending $10,000
- Save 20% on point purchases when using your card to purchase points
- No foreign transaction fees
- Regular Purchase APR: 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
United℠ Club Business Card
- Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee $450
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 2 miles per dollar spent directly with United, including tickets, Economy Plus, in-flight food, beverages, and Wi-Fi
- Earn 1.5 miles per $1 spent on all other purchases
- First and second checked bags are free for cardholder and one companion
- Employee cards at no additional cost
- Complimentary United Club membership
- Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Annual Fee: $450
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
Southwest Rapid Rewards® Performance Business Credit Card
- Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee $199
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 80,000 bonus points when you spend $5,000 in the first 3 months
- 9,000 bonus points each year on your cardmember anniversary
- Earn 3x points per $1 spent on Southwest Airlines® purchases
- 2x points on social media, search engine advertising and business utilities
- 1x points on all other purchases
- 4 upgraded boardings per year
- $100 statement credit for Global Entry or TSA Pre?® fee
- Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Annual Fee: $199
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
Marriott Bonvoy Bold™ Credit Card
- Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 30,000 bonus points after you spend $1,000 on purchases in your first three months from opening your account
- 3x points for every $1 spent at over 7,000 participating Marriott Bonvoy™ hotels
- 2x points for every $1 you spend on travel purchases
- 1x point for every $1 you spend on all other purchases
- Receive 15 Elite Night Credits annually - automatically qualify for Silver Elite status
- No annual fee
- No foreign transaction fee
- Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Chase Bank Credit Cards
Chase is one of the most popular credit card issuers in the United States. The bank currently has over 83 million credit cardholders in the United States, second only to Citibank. Chase offers over 30 credit cards, which feature either the Chase name or those of their partners (like the AARP Card).
How Many Chase Cards Can I Have?
Chase credit cards are among the most popular cards on the market. This is especially true for Chase branded cards, such as the Chase Sapphire Reserve®, the Sapphire Preferred®, the Chase Freedom®, and Chase Ink for Business.
Like other issuers, however, Chase has restrictions on how many credit cards an individual can open during a period. This is known as the Chase “5/24” rule. Fortunately, there is no set limit on the total number of credit cards a Chase customer can have.
Chase 5/24 Rule
The Chase 5/24 rule is one of the better-known credit card rules. That doesn’t mean, however, that it’s famous. In fact, many credit card application regulations are relatively unknown to the broader public.
What does the 5/24 rule mean? Simply put, Chase will deny a credit card application from anyone that opened more than five credit cards within the previous 24 months. The limits of five cards do not only apply to Chase credit cards. Instead, it refers to any credit cards opened within the last two years.
Fortunately, business cards opened through most banks or credit card issuers are excluded from the 5/4 rule. Also excluded are personal loans, auto loans, student loans, and mortgages. If a person applies for a credit card and is denied, that application also doesn’t apply towards the limit of five.
The following types of accounts apply towards the 5/24 rule:
- Any personal credit card from a bank – even if the account is currently closed
- Any individual charge cards, including those from American Express
- All cards in which the applicant is an authorized user
- Many stores or retail credit cards.
- All business credit card accounts the individual opens with Capital One, Discover, or TD Bank.
What to Look for in a Chase Credit Card
When applying for Chase card, what should you keep an eye on when applying?
- Rewards
- Annual fee
- No foreign transaction fees
- Co-branded vs. Chase-branded
- Credit score required
Chase Ultimate Rewards Program Guide
Chase Ultimate Rewards is the loyalty program for those who have individual Chase credit cards. Cards that apply for Ultimate Rewards include:
- Chase Sapphire Reserve®
- Sapphire Preferred® Card
- Chase Freedom® Flex Card
- Chase Freedom® Unlimited Card
- Ink Business Preferred® Card
- In Business Cash® Card
- Ink Business Unlimited® Card
How to Earn Chase Ultimate Rewards Points
Chase Ultimate Rewards points are earnable for qualifying purchases, with select categories earning even more points. Cardholders also earn points through lucrative signup bonuses. Like American Express, Chase is known for offering substantial introductory bonuses, sometimes worth over $750 in value. This is especially true for their signature credit cards, such as the Chase Sapphire Reserve® – one of the most exceptional rewards credit cards on the market today.
Other options for earning Ultimate Rewards points include referral bonuses for recommending Chase cards for family and friends, getting extra points through select offers, or taking advantage of limited-time opportunities. Cardholders can also transfer points from other loyalty programs, such as airlines and hotels.
How Much Are Chase Ultimate Rewards Points Worth?
Chase Ultimate Rewards are among the most valuable reward points in the credit card loyalty space. The precise value of Ultimate Rewards points varies depending on the method of redemption. Still, the best value (travel) provides a whopping two cents per point of value. This valuation places Chase points on par with AMEX Membership Rewards points, and significantly ahead of points from other credit card issuers.
How to Redeem Chase Ultimate Rewards
Chase Ultimate Rewards points apply to a wide array of redemption options. Those redemption options are like what is found with other programs, including:
- Travel
- Shopping
- Statement credits
- Donations
- Gift Cards
- Points transfers with select partners
Using points when purchasing merchandise through the Chase portal, or for statement credits provides the worst value for money. These options offer a value below one cent per point, making it an opportunity to avoid in many instances.
Booking travel through the Ultimate Rewards portal is the best option for using rewards. This option provides exceptional value – on par with American Express Membership Rewards. The best value with the Chase Ultimate Rewards portal, however, requires a Sapphire Card.
Both Sapphires – the Reserve® and the Preferred® – offer additional value when redeeming Chase points. The Sapphire Preferred® provides an extra 25% value, while the Sapphire Reserve® provides an even more impressive 50% redemption increase.
Chase Travel Partners
Chase is one of the most valuable point currencies in rewards. This value is down to the transferability of points to partners. Chase currently offers 1:1 point transfers with 13 brands: nine major airlines and four leading hotel brands. These partners are:
- Air France
- Aer Lingus
- British Airways
- Iberia
- JetBlue
- KLM
- Singapore Airlines
- Southwest
- United
- IHG
- Marriott Bonvoy
- Ritz-Carlton
- World of Hyatt
This transferability is Chase Ultimate Rewards’ most significant asset. This is especially true for domestic travelers since the 1:1 transfer works with JetBlue, Southwest, and United Airlines. Booking with United, for instance, can get two roundtrip domestic flights for just 50,000 points. Even better, there are no blackout dates with Chase Ultimate Rewards.
The Best Chase Credit Cards of 2021
Wondering what the best Chase credit cards of 2021 are? That depends on what you are looking for. Chase designs credit cards with every need in mind. This includes co-branded credit cards with a huge assortment of airlines, hotels, and brands.
Among the most popular Chase cards in this area are:
- Amazon Prime Rewards Chase Card
- United Explorer Card
- United Club Card
- British Airways Visa Signature ® Card
- Southwest Rapid Rewards Plus Credit Card
- Marriott Bonvoy Boundless Credit Card
- Disney® Premier® Visa Card
Chase also offers an excellent array of cards under the Chase name. These include the impressive Chase Sapphire Reserve®, Sapphire Preferred®, and the Chase Freedom® Unlimited. There’s even a Chase student credit card – the Chase Freedom for Students. The Chase Freedom Flex earns 5% cash cash back on select categories (the Chase 5% calender – more on that later), making it now of the very best cashback credit cards on the market today.
The Sapphire Preferred earns impressive travel rewards and points after you spend on travel and dining purchases. It also provides a variable signup bonus once your account is open and you spend $500 on purchases within three months from account opening.
Other Chase products include the Ink Business Cash, the Sapphire Reserve, and the Slate, which features 0% APR for 15 months from account opening.
FAQs About Chase Bank
Here are answers to commonly asked questions about Chase Bank, Chase credit cards, and more:
What is the phone number for the Chase reconsideration line?
If you were denied for a Chase credit card but think you deserve it, give their reconsideration line a try. Call 1-800-945-2006 to talk with a Chase credit card expert and state your case.
Can I use Chase Pay at the Apple Store?
No. While Chase Pay seamlessly integrates with other systems, such as Apple Pay or Google Pay, it does not work alone at Apple. For a list of Chase Pay merchants, check out the Chase site.
How do I active a Chase credit card?
To activate a new Chase credit or debit card over the phone, call Chase customer service at 1-800-432-3117. Enter the last four digits of your new card number and follow the instructions when prompted.
What are the Chase Freedom Flex 5% cash back categories for 2021?
The current Chase Freedom 5% categories for 2021 are:
- January – March: Wholesale clubs, select streaming services, and phone, internet, & cable service providers.
- April – June: Gas stations and home improvement store purchases.
- July – September: TBD
- October – December: TBD
Is there a Chase secured credit card?
No. Currently, Chase does not feature a secured credit card. Chase credit cards are mostly geared towards those with a good credit score or higher.
Find the Best Chase Card for You
Finding your perfect credit card isn’t easy. That’s where the team at BestCards comes in. We’ve compiled over 800 credit card reviews to date, covering issuers large and small.
We offer impartial and insightful analysis to help you find exactly what you’re looking for. Browse our reviews. Read our credit card news and advice, and find your best card today.
