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July 30, 2018
Chase Sapphire Preferred®
Earn 60,000 Bonus Points ($750 Value)
- Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from opening
- Earn 2X points on travel and dining, including airfare, hotels, cafés, and more
- Earn 1 point per dollar spent on every other purchase
- Get 25% more in travel redemption when you redeem through Chase Ultimate Rewards
- 1:1 point transfer to various airline and hotel travel partners
- No foreign transaction fees
- Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of each transfer amount, whichever is greater
- Cash Advance APR: 26.49% variable based on Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of each transaction amount, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
August 16, 2018
Chase Freedom Unlimited®
Earn $200 Cash Bonus + 0% APR for 15 months
- Regular Purchase APR 16.49% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.49% to 26.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% 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 Visa
- Unlimited 1.5% cash back on every purchase
- 0% introductory APR for 15 months
- 3% introductory balance transfer fee within first 60 days
- No annual fee
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.49% to 26.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 16.49% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
August 16, 2018
Southwest Rapid Rewards® Priority Credit Card
Earn 40,000 Bonus Points
- Regular Purchase APR 17.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 17.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee $149
- Credit Needed Excellent , Good
- Processing Network Visa
- 2X points for every dollar spent on Southwest Airlines® purchases
- 1X points for every dollar spent on all other purchases
- 7,500 bonus points on each cardmember anniversary
- 40,000 bonus points when you spend $1,000 in the first 3 months
- $75 Southwest annual travel credit
- Four Upgraded Boardings per year
- 20% back on all in-flight drinks and Wi-Fi with Southwest
- Regular Purchase APR: 17.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 17.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $149
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
August 16, 2018
British Airways Visa Signature®
Earn up to 100,000 Avios
- Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 3 Avios for every dollar spent on British Airways, Iberia, and Aer Lingus purchases
- Earn 1 Avios for every dollar spent on all other purchases
- Automatic enrollment in the British Airways Executive Club for new members
- Each a complimentary = Travel Together Ticket after spending $30,000
- No foreign transaction fees
- Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
August 27, 2018
Chase Sapphire Reserve®
Earn 50,000 Bonus Points ($750 Value)
- Regular Purchase APR 18.49% to 25.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 18.49% to 25.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee $550; $75 per authorized user
- Credit Needed Excellent
- Processing Network Visa
- Earn 3X points per dollar spent on dining and travel purchases worldwide. Earn 1 point per dollar spent on all other purchases
- 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
- Get a $300 annual travel credit as reimbursement for travel purchases charged to your card
- Complimentary Priority Pass™ Select membership
- Get 50% more from your points when you redeem them for travel through Chase Ultimate Rewards
- No foreign transaction fees
- Regular Purchase APR: 18.49% to 25.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 18.49% to 25.49% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $550; $75 per authorized user
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
August 28, 2018
Chase Freedom® Credit Card
Receive $200 After Spending $500 Within 30 Days
- Regular Purchase APR 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for 15 months of account opening date
- Processing Network Visa
- Earn 5% cash back up $1,500 per quarter
- Earn 1% cash back on all other purchases
- 0% APR for 15 months
- 3% introductory balance transfer fee within the first 60 days
- No annual fee
- Intro Purchase APR: 0% for 15 months of account opening date
- Regular Purchase APR: 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months of account opening date
- Balance Transfer APR: 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
August 28, 2018
Ink Business Preferred Credit Card
Earn 80,000 Bonus Points
- Regular Purchase APR 17.49% to 22.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 17.49% to 22.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network Visa
- 3X points per dollar on travel, shipping purchases, Internet, cable and phone services, and more (up to $150,000 per year)
- 1X points per dollar spent on all other purchases
- Earn 80,000 bonus points after spending $5,000 in the first 3 months
- Redeem points through Chase Ultimate Rewards for an added 25% in value
- No additional cost for issuing employee cards
- No foreign transaction fees
- Regular Purchase APR: 17.49% to 22.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 17.49% to 22.49% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 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: $95
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
August 28, 2018
Ink Business Cash Credit Card
$500 Bonus Cash Back
- Regular Purchase APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores, Internet, and cable and phone services every account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and dining; Earn 1% unlimited cash back on all other purchases
- 0% Intro APR on purchases for first 12 months from opening account
- $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
- No annual fee
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
August 28, 2018
Ink Business Unlimited Credit Card
Earn $500 Bonus Cash Back
- Regular Purchase APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 12 months from the date of account opening
- Processing Network Visa
- Earn unlimited 1.5% cash back on all purchases made for your business
- Pay no interest on purchases for the first 12 months from the date you open your account and issue additional cards for your employees at no cost
- $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
- Redeem cash back rewards for gift cards, travel purchases, and more through Chase Ultimate Rewards®
- Intro Purchase APR: 0% for the first 12 months from the date of account opening
- Regular Purchase APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
August 29, 2018
Chase Slate® Credit Card
0% Intro APR for 15 Months + $0 Balance Transfer Fees
- Regular Purchase APR 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.49% 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 Visa
- 15 months of 0% introductory APR for purchases and balance transfers
- No balance transfer fees during the first 60 days
- No penalty APR
- Get fraud alerts via phone, text, or email
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 16.49% to 25.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: $0 on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
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.
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
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® 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 2020
Wondering what the best Chase credit cards of 2020 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:
- 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.
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.
