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Showing 34 Cards
Date Reviewed: November 06, 2019
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
- 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
Date Reviewed: October 14, 2019
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
Date Reviewed: July 19, 2019
United Club Business Card
- Regular Purchase APR 17.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% 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
- 50,000 bonus miles when you spend $3,000 with your card in the first three months
- 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: 17.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.99% to 24.99% 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: 26.49% 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% variable based on the Prime Rate
- Annual Fee: $450
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
Date Reviewed: June 21, 2019
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 70,000 bonus points when you spend $5,000 in the first 3 months, and an additional 30,000 bonus points when you spend $25,000 total within the first 6 months of account opening
- 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: 29.99%, based on the Prime Rate
- Annual Fee: $199
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
Date Reviewed: June 17, 2019
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 50,000 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
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: June 17, 2019
Amazon Prime Rewards Visa Signature Card
- Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.24% to 22.24% 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
- Instant $70 Amazon.com gift card on approval
- 5% back at Amazon.com and Whole Foods
- 2% back at restaurants and gas stations,
- 1% back on all other purchases
- No foreign transaction fees
- No foreign transaction fees
- Only eligible to those with an Amazon Prime membership
- Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: N/A
- Balance Transfer APR: 14.24% to 22.24% 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.
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
Date Reviewed: April 15, 2019
Aer Lingus Visa Signature® 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 $95
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 50,000 Avios after spending $3,000 within the first 3 months
- Earn an additional 50,000 Avios after spending $20,000 within the first year
- Earn 4 Avios per $1 spent on all purchases within your first year on up to $30,000
- Receive Companion ticket (valid for 12 months) after spending $30,000
- Priority boarding for cardholders and authorized users
- No foreign transaction fees
- 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 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
Date Reviewed: April 11, 2019
Marriott Bonvoy Boundless™ 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 $95
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 100,000 Marriott Bonvoy points after you spend $5,000 within the first 3 months from opening an account
- 6X Marriott Bonvoy points per $1 spent at participating Marriott Bonvoy hotels
- 2X points per $1 spent on all other purchases
- Get 1 Free Night Award every year after your account anniversary
- Automatic Silver Elite Status
- 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 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
Date Reviewed: January 22, 2019
Iberia Visa Signature® 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 $95
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 3 Avios per $1 spent on Iberia, British Airways, and Aer Lingus purchases; Earn 1 Avios per $1 on all other purchases
- Earn up to 100,000 bonus Avios in the first year based on purchases
- Get a discount voucher of $1,000 each year you use your card to make purchases of $30,000 or more
- No foreign transaction fees
- 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 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
Date Reviewed: December 11, 2018
United℠ 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 $99
- Credit Needed Excellent , Good
- Processing Network Visa
- $100 annual United travel credit
- Earn 2 miles per $1 spent on local transit and commuting, at gas stations, restaurants, office supply stores, and United purchases
- Enjoy 25% back on United inflight purchases
- First checked bag free
- Priority boarding
- First checked bag is free
- 2 United Club one-time passes
- Employee cards at no additional cost
- 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 transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $99
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $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 (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® 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. The Chase Freedom earns 5% cash cash back on select categories, making it now of the very best cash back 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.
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.
