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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
Date | 5% Cash Back Category | ||
---|---|---|---|
Q1 | January - March 2024 | Grocery stores (excluding Walmart), self-care and spa services, plus fitness and gym memberships | |
Q2 | April - June 2024 | Restaurants, hotels, and Amazon.com and Whole Foods purchases | |
Q3 | July - September 2024 | TBD | |
Q4 | October - December 2024 | 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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