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Marriott Bonvoy Bountiful Card
Marriott Bonvoy Bountiful Card
- 20.74% to 27.74%variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.74% to 27.74%variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bountiful Credit Card earns big rewards but has a bigger price tag. The card earns up to 18.5X on Marriott stays, 4X on dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy
- Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
- Earn 2X points per $1 spent on all other purchases
- 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy
- Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
- Regular Purchase APR: 20.74% to 27.74%variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.74% to 27.74%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: 29.74% 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
- You plan to stay at Marriott properties often
- You spend heavily on groceries and dining purchases
- You don't want to pay foreign transaction fees
Ink Business Premier Credit Card
Ink Business Premier Credit Card
- 18.99% to 26.99% variable based on creditworthiness Regular Purchase APR
At a Glance
The Chase Ink Business Premier Credit Card is a premium business card that earns up to 2.5% cash back on purchases of $5,000+ and 2% back on all other purchases. The card operates either as pay-in-full, or pay-over-time, thanks to Flex for Business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening
- Earn a total of 2.5% cash back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed
- Turn all your business expenses into rewards with unlimited 2% cash back on all other business purchases
- Employee cards at no additional cost
- Regular Purchase APR: 18.99% to 26.99% variable based on creditworthiness
- Annual Fee: $195
- Late Payment Penalty Fee: $40 or 2% of the Minimum Payment Due, whichever is greater
- You own a medium-sized business with cash reserves
- You make frequent large purchases of $5,000 or more
- You want to earn cash back from your business expenses
- You manage employees who will use their own issued cards
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
- 19.74% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The DoorDash Rewards Mastercard® makes ordering out a breeze thanks to up to 4% cash back on DoorDash purchases, 2% back on groceries, a free year of DashPass (a $96 value), and a selection of Mastercard perks and protections.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4% cash back on DoorDash and Caviar orders from hundreds of thousands of merchants on the DoorDash platform
- Earn 3% cash back on dining when purchased directly from a restaurant, online or in-store
- Earn 2% cash back on grocery stores, online or in-store
- Earn 1% cash back on all other purchases
- Complimentary free year of DashPass
- $25 off the first two Nationwide Shipping orders of $100 or more, which is a $50 value
- 10% off first order of $35 or more each month (up to $15 per order) on convenience, grocery, alcohol and DashMart purchases – a potential $90 value
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 19.74% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 28.49% 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: 29.74% 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
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You love to order in and want to save money
- You can make use of the many services DoorDash offers, including groceries
- You want a $100 cash bonus after spending $500 on purchases in the first three months
Instacart Mastercard®
Instacart Mastercard®
- 19.74% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Instacart Mastercard® is a cash back card that offers big savings on food and grocery deliveries. The no annual fee credit card from Chase earns 5% back on Instacart purchases, offers one-year free ofInstacart+ membership, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 Instacart credit upon approval
- Earn 5% back on Instacart app and Instacart.com purchases
- Earn 5% back on travel purchased through the Chase Travel Center
- Earn 2% back on restaurants, gas stations, and on select streaming services
- Earn 1% back on all other purchases
- Regular Purchase APR: 19.74% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 28.49% 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: 29.74% 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
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You get your groceries or food delivered through Instacart
- You have wanted to try out Instacart+
- You want a $100 Instacart credit to start chowing down today
- You do't want to pay an annual fee
Chase Freedom Flex
Chase Freedom Flex
- 19.74% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Chase Freedom Flex is a hybrid cash back credit card that offers something for everyone. The card earns 3% cash back on dining and drugstore purchases, plus up to 5% back on rotating categories each quarter after activation – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24%-27.99%
- No annual fee - You wo't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 19.74% to 28.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 19.74% to 28.49% 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 greater.
- Cash Advance APR: 29.74% 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%
- 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
- You want a versatile cash back credit card that earns rewards across various categories
- You don’t mind the lower cash back rates for dining and drugstore purchases over previous Chase cards
- You prefer to book travel through Chase Ultimate Rewards
- You don’t want to pay an annual fee for premium Mastercard features
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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 of time. This is known as the Chase “5/24” rule, It means that the bank will likely not aprove you if you have opened more than 5 credit card accounts in a 24-month period.
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 the following proprietary credit cards:
Ultimate Rewards are also earnable through the following Chase small business credit cards:
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 |
| Charitable donations | Gift cards | Transfer points to 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:
| Aer Lingus (AerClub) | Air France/KLM (Flying Blue) | Emirates (Skywards) |
| Air Canada (Aeroplan) | British Airways (Executive Club) | Iberia Plus |
| JetBlue (TrueBlue) | Southwest (Rapid Rewards) | Singapore Airlines (KrisFlyer) |
| Virgin Atlantic (Flying Club) | United Airlines (MileagePlus) | IHG Rewards |
| Marriott Bonvoy | 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.
2023 Chase Freedom Flex 5% Cash Back Calendar
| 5% Cash Back Category | |
| January - March 2023 | Target, grocery stores (excluding Walmart), plus fitness and gym memberships |
| April - June 2023 | Amazon.com and Lowe’s |
| July - September 2023 | TBD |
| October - December 2023 | TBD |
FAQs About Chase Bank
Here are answers to commonly asked questions about Chase Bank, Chase credit cards, and more:
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.
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.
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.
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.
- Some Chase credit cards offer an instant card number upon approval – with the Amazon Prime Rewards Visa being one example. Other Chase cards may not be able to be used, except within the Chase Pay app.
- Chase credit cards require a good or excellent credit score to qualify, meaning they provide exceptional protections and benefits. These perks include:
- Roadside Dispatch
- Zero Fraud Liability
- Rental car insurance
- Travel and accident emergency assistance
- And more
- The easiest way to check your card’s balance is through the JP Morgan Chase mobile app – available in all major app stores.
- Chase Bank uses Experian for checking credit scores and gauging applications.
- Chase’s 5/24 rule means that you can’t be approved for most Chase cards if you’ve opened five or more personal credit cards (from any card issuer) within the past 24 months.
- Chase credit cards typically require a FICO credit score of 670 or higher for approval.
- You must be 18 years old to apply for a credit card.
- You can speak with a Chase customer service representative at 1 (800) 432-3117
- If you need to dispute a charge, contact Chase’s dispute line at 1-800-955-9060
- Yes, Chase’s Amazon credit cards are metal, meaning they are one of the easiest ways to get a metal credit card without an annual fee.
- About a week.
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