Edited by: Stella Shon
& Juan Ruiz
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Chase is one of the major powerhouses when it comes to travel rewards credit cards. In addition to cards that earn valuable Ultimate Rewards points, Chase offers an impressive line of co-branded credit cards that come with perks and benefits that are among the best in the industry.
In this post, we’ll go over the best Chase credit cards (both personal and business) in a variety of categories, including the best options for travel, cash-back, airlines, hotels, and more.
While we will profile a more exhaustive review of the best Chase credit cards, here is a detailed overview of some of our favorites:
|Card||Welcome Offer||Annual Fee||Best For|
Travel (Overall Value)
Cash-back With Rotating Bonus Categories
Premium Business Card
Business Card With 2% Cash-back
British Airways Flyers
Air Canada Flyers
Many of the most popular Chase credit cards out there are ones that earn Ultimate Rewards points. Each one of these cards offers a variety of benefits and perks in addition to the ability to earn points.
The Chase Ultimate Rewards program is arguably the best transferable points program on the market. If you’re a beginner to the points world, you’ll definitely want to start with an Ultimate Rewards-earning card to maximize your points-earning potential.
There are a few things to remember when deciding on which of these cards to choose first.
First, to earn Chase Ultimate Rewards points you need to have at least 1 card that charges an annual fee. These cards include:
Once you have one of these premium cards that charges an annual fee, you can convert the cash-back you earn on the no-annual-fee cards into Ultimate Rewards points.
For example, if you just have the Freedom Unlimited card, you’ll earn 1.5% cash-back on all of your purchases. However, if you also hold the Chase Sapphire Preferred card, you can convert that cash-back into Ultimate Rewards points, meaning you’ll be able to earn 1.5x points per dollar.
These points can either be used in the Chase travel portal or transferred to hotel and airline partners.
The Chase Sapphire Preferred card has long been a favorite among award travelers. It comes with a welcome offer to give your Ultimate Rewards account a big boost, but also has several bonus categories that ensure you’ll earn plenty of points on daily purchases:
The travel bonus category is broad and includes purchases with airlines, hotels, Airbnb, taxis, Uber, and more. Paired with the dining bonus category, this card can help you earn tons of Ultimate Rewards points quickly.
With the Chase Sapphire Preferred card, you can transfer Chase points to airline and hotel partners or redeem them through the Chase travel portal at a value of 1.25 cents per point.
With this card, you’ll also get some travel insurance benefits including the following:
The card also includes plenty of benefits, like a subscription to DoorDash DashPass for the primary cardholder. This benefit gives you free food delivery on orders of $12 or more from select DoorDash and Caviar restaurants. If activated by December 31, 2023, the subscription is active through December 31, 2024. If activated during the 2024 calendar year, the subscription will be valid for 1 year from the date of activation.
You’ll also get a $50 statement credit each account anniversary year for hotel stays purchased through Chase Ultimate Rewards, and bonus points equal to 10% of your total purchases made the previous year.
The Chase Sapphire Reserve card is the high-end card in the Ultimate Rewards lineup. It’s very similar to the Chase Sapphire Preferred card, but it comes with increased earning power and a number of premium perks to improve your travel experience.
Here’s what you’ll earn with this card:
Those who frequently spend in these categories can boost their earnings significantly with this card. It also comes with a welcome offer to help get you started on the right foot.
If you have this card, you can transfer your points or use them to book travel through Chase’s travel portal at a value of 1.5 cents per point.
The Chase Sapphire Reserve card comes with the same primary coverage on rental cars, but it has an improved trip delay insurance benefit. With this card, you can file a claim after just a 6-hour delay rather than a 12-hour delay.
Other high-end travel benefits include a Global Entry, TSA PreCheck, or NEXUS fee credit and a complimentary Priority Pass Select membership that provides lounge access in airports around the world whether you’re flying first class or economy.
Additionally, you’ll receive a $300 travel credit after you’re approved for this card and again each year on your account anniversary. This travel credit will automatically reimburse you for any travel expenses, including things like car rentals, campgrounds, taxis, and even parking.
As you’d expect, the Chase Sapphire Reserve card also includes the DashPass subscription included with the Chase Sapphire Preferred card plus a $5 monthly DoorDash credit.Hot Tip:
Before you apply for any Chase cards, make sure you understand the 5/24 rule. This is the unwritten rule that says you won’t be approved for a Chase credit card if you have opened 5 or more credit cards from any bank in the previous 24 months.
While the Freedom Flex card doesn’t come with the perks you get with the Chase Sapphire Preferred card and the Chase Sapphire Reserve card, it’s still very useful.
This card earns 5% cash-back on bonus categories that rotate quarterly. Common bonus categories include restaurants, grocery stores, Amazon, drugstores, and more. Each quarter, you’ll earn 5% cash-back on up to $1,500 in combined purchases in that quarter’s bonus categories.
However, this card has even more earning potential:
In addition to great bonus categories, the Freedom Flex card comes with lots of other great benefits.
With this card, you’ll get cell phone protection that covers you for up to 2 claims per year ($1,000 in total coverage) if your cell phone is stolen or damaged.
The Freedom Flex card also comes with some great travel insurance benefits, including secondary car rental coverage plus trip cancellation and interruption insurance.
If you’re looking for a Chase card that can guarantee you’ll earn more than 1% cash-back on every single purchase you make, look no further than the no-annual-fee Freedom Unlimited card.
This card earns 1.5% cash-back on all purchases outside of the bonus categories. This 1.5% can become 1.5x points when paired with a premium Ultimate Rewards card. Plus, you’ll earn 5% back on travel through Chase Ultimate Rewards and 3% back on dining and drugstore purchases.
The Freedom Unlimited card can be a fantastic addition to any other Chase card you may have; you’ll always be earning the most points possible if you use it to fill in the gaps between higher-earning bonus categories.
Not sure which cash-back card from Chase is the best option for you? Check out our head-to-head comparison of the Freedom Flex card and the Freedom Unlimited card for some guidance.
Small business owners can also earn Ultimate Rewards through their business purchases using Chase’s premium business card offering, the Ink Business Preferred card.
This card has several bonus categories that earn 3x points on up to $150,000 in combined spending:
The points you earn can be transferred to travel partners or redeemed through the travel portal at a value of 1.25 cents per point.
This card also comes with the same trip delay coverage as the Chase Sapphire Preferred card provides. You’ll be eligible to claim expenses after a 12-hour (or overnight) delay.
You’ll also get primary rental car coverage and you can take advantage of the trip cancellation/interruption insurance. Finally, there are a number of other benefits that come with the Ink Business Preferred card, such as cell phone insurance.
The Ink Business Cash card is another great option to boost your earning potential. This card earns 5% cash-back on up to $25,000 in purchases (per anniversary year) at office supply stores and on cell phone, landline, internet, and cable TV purchases.
It also earns 2% cash-back on the first $25,000 spent (per anniversary year) on gas stations and dining purchases. All other purchases will earn 1% cash-back.
Like the Freedom cards, when you pair this card with a premium Ultimate Rewards card, your cash-back can become up to 5x points, making this a fantastic card for business owners who like to travel.
If you’re looking for a no-annual-fee Chase business card that can guarantee you’ll earn more than 1% cash-back on every single purchase you make, check out the Ink Business Unlimited card.
This card earns 1.5% cash-back on all purchases, regardless of category. This 1.5% can become 1.5x points when paired with a premium Ultimate Rewards card.
The Ink Business Unlimited card can be a fantastic addition to your other Chase business cards. You’ll always be earning the most points possible if you use it to fill in the gaps between higher-earning bonus categories.
The Ink Business Premier card is Chase’s newest, Ink business credit card.
The card earns 5% cash-back on purchases made through the Chase travel portal, 2.5% cash-back on purchases of $5,000 or more, and 2% cash-back on all other purchases. The card also offers cell phone protection with up to $1,000 in coverage per claim, with a maximum of 3 claims per year and a $100 deductible per claim.
However, unlike the Ink Business Cash card and the Ink Business Unlimited card, the cash-back you earn with the card in the form of Chase Ultimate Rewards is not transferable to other Ultimate Rewards accounts that have access to airline and hotel transfer partners. Given that, this card is best suited for those who operate a business with large expenses and are looking to earn as much cash-back as possible.
The United Explorer card comes with benefits that will appeal to anyone who likes to fly on United Airlines. In addition to a welcome bonus, you’ll be earning United MileagePlus miles with every purchase at the following rates:
The primary cardholder and a companion traveling on the same reservation will each get 1 free checked bag. You’ll also enjoy lounge access with 2 1-time passes to a United Club of your choice and a Global Entry, TSA PreCheck, or NEXUS application fee credit.
The United Quest card provides an elevated experience for United flyers beyond the standard United Explorer card. Cardholders enjoy enhanced perks, earnings, and benefits, including:
Here’s a look at the earning rates and other benefits you’ll receive as a cardholder:
If you’re a frequent Southwest Airlines flyer, the Southwest Priority card should probably earn a place in your wallet. This card is full of benefits and perks that will come in handy each and every time you fly Southwest.
To help offset the cost of the annual fee, this card offers 7,500 bonus points each year on your anniversary date and a $75 Southwest travel credit. You’ll also be able to earn Southwest elite status faster since this card earns 1,500 Tier Qualifying Points for each $10,000 spent. Plus, you’ll be able to get your pick of the best seats on the plane with 4 Upgraded Boardings each year.
In addition to all of this, the Southwest Priority card helps you earn Rapid Rewards points. You’ll earn 3x points on Southwest purchases, 2x points on local transit and commuting, internet, cable, phone services, and selected streaming, plus 1x points on all other purchases.Hot Tip:
Another great thing about using a Southwest credit card is that all points earned will count towards the Southwest Companion Pass. The Southwest Priority card is the high-end offering, but if you’re looking for a card with a smaller annual fee, you may want to consider the Southwest Rapid Rewards® Plus Credit Card or the Southwest Rapid Rewards® Premier Credit Card.
If you have a business, look to the Southwest Performance Business card for great perks and benefits. With this card, you can earn Southwest Rapid Rewards points at the following rates:
In addition, you’ll get perks like 4 Upgraded Boardings per year, tier-qualifying points that count towards A-List status, and a Global Entry, TSA PreCheck, or NEXUS application fee credit.
When you combine the welcome offer with this card’s bonus categories, you’ll be able to earn lots of British Airways Avios quickly.
You’ll also save 10% on flights that originate in the U.S. and you’ll be eligible for statement credits when you book reward flights to London and use your British Airways Visa card to pay for the taxes and fees. You’ll get a $100 statement credit for economy and premium economy tickets and a $200 credit for business and first class seats. This benefit can be used up to 3 times per year for a maximum of $600 in credits.
If you spend $30,000 in a calendar year, you’ll earn a Travel Together Ticket that allows you to bring a companion when you book an award ticket — you’ll just pay taxes and fees for the second ticket.
The British Airways Visa card also comes with a selection of travel benefits and protections like an auto rental collision damage waiver and baggage delay insurance.
Chase’s newest airline card is a great option for Air Canada flyers. With it, you’ll earn Aeroplan points at the following rates:
Plus, the card comes with automatic Aeroplan 25K elite status for your first 2 calendar years, free checked bags on Air Canada flights, a Global Entry, TSA PreCheck, or NEXUS credit, trip delay insurance, baggage delay insurance, rental car insurance, and much more!
Plus, each year you are a cardmember, you’ll get 1 free night at any Category 1 to 4 Hyatt hotel. You can also earn an additional free night certificate for a Category 1 to 4 hotel when you spend $15,000 during your cardmember year. This free night certificate usually is worth more than the cost of the annual fee, making this card a great option for anyone who stays at Hyatt properties even just a few times a year.Hot Tip:
Fans of Marriott hotels will definitely want to take a look at the Marriott Boundless card. In addition to a nice welcome bonus, this card earns up to 17x points at Marriott properties, so it’s easy to rack up plenty of Marriott Bonvoy points.
This card is also great if you want Marriott Bonvoy elite status. As a cardholder, you’ll automatically get Silver Elite status each year. You’ll also get 15 Elite Night Credits to help you achieve the next status level. If you spend $35,000 in a year, you’ll earn Gold Elite status.
While the Marriott Boundless card does have an annual fee, it comes with a free night certificate that you can use at any location (with a value of up to 35,000 points). This alone can make up for the annual fee, making this card a no-brainer for Marriott loyalists.
Another good option for folks who enjoy Marriott hotels (including Ritz-Carlton properties) is the Ritz-Carlton card. Though the card is closed to new applicants, cardholders of a Marriott-branded Chase card that have had the card for a minimum of 12 months can request a product change to this card for excellent earning potential and premium benefits.
Just as with the Marriott Boundless card, you’ll earn 6x points at Marriott hotels, including, of course, The Ritz-Carlton. But you’ll also earn 3x points at restaurants, car rental agencies, and on airline tickets purchased directly from the airline. All other purchases will earn 2x points per dollar.
As with other premium credit cards, you’ll get high-end benefits to make up for the high-end price tag of $450 annually. This card comes with a $300 annual travel credit, a Priority Pass Select membership, and a $100 Global Entry, TSA PreCheck, or NEXUS application fee credit.
Other perks of this card include a free night certificate worth up to 50,000 points and automatic Gold Elite status in the Marriott Bonvoy program. Plus, the Ritz-Carlton card comes with travel protections including emergency medical and dental coverage, travel accident insurance, roadside assistance, and more.
If you enjoy staying in IHG hotels when traveling, then the IHG Premier card is a great one to have in your wallet. This card has a lot going for it — just take a look at some of its benefits and perks:
As you can see, the IHG Premier card has lots of benefits that make this card a great option for fans of IHG. While you might associate IHG with more midscale and budget brands like Holiday Inn Express and Staybridge Suites, there are actually plenty of luxury brands in the IHG Hotels & Resorts portfolio including InterContinental, Kimpton Hotels, and Regent Hotels & Resorts for upscale options.
If you’d prefer a way to earn IHG One Rewards points without an annual fee and don’t mind a few fewer perks, the IHG One Rewards Traveler Credit Card might be a better fit. However, if you want a card that strikes a nice balance between cost and benefits, the IHG Premier card is the way to go. If you’re not sure which one of these cards would be best for you, check out our comparison of these 2 cards.Hot Tip:
If you’re a Disney fan, you may have heard about the Disney Premier card and wondered if it’s right for you. The good news is it has a low annual fee and features an easy-to-earn welcome bonus. This card earns Disney Rewards Dollars that can be turned into statement credits for airline purchases and Disney purchases. The Disney category is pretty broad and includes things like:
You’ll earn 2% back on Disney purchases as well as purchases at gas stations, grocery stores, and restaurants. You’ll earn 1% back on all other purchases.
Die-hard Disney fans will appreciate this card’s additional benefits, including 10% off of select merchandise and dining purchases at Disneyland and Walt Disney World Resorts, 10% off of select purchases at Disney Store locations, and cardmember exclusive character experiences and Disney Store events.
Amazon is the world’s most popular online marketplace that many of us use almost daily. But did you know there’s an Amazon-branded credit card? The Amazon Prime Visa card is an option that’s available to Amazon Prime members that offers solid cash-back categories.
With this card, you’ll earn:
While this isn’t the first card you should apply for if you’re new to collecting points and miles, it can be beneficial if you spend a lot of money at Amazon and Whole Foods.
There are several factors to help us determine our choices for the best Chase credit cards. Some of the most important factors include travel benefits, earnings structure, best credit card welcome bonus offers, fees, and travel redemption value.
Here’s some further insight into our thought process when selecting the best travel rewards cards:
The top Chase credit cards will offer benefits that can make your travel more comfortable, save a traveler money, or provide protection should something go wrong during the journey. Benefits such as worldwide lounge access, travel statement credits, hotel elite status, airline perks or elite status, and travel insurance are just some examples of the travel perks we look for.
For starters, we look for cards that earn well in several ways. First, the card should offer bonus earnings on travel-related purchases or on a number of everyday bonus categories to provide accelerated earnings. On the other hand, a good travel rewards card could also have flat-rate earnings on all eligible purchases, making it easy to accumulate travel rewards no matter the purchase.
A card’s welcome offer is a unique opportunity to earn a large number of rewards in a short period of time. As such, welcome offers certainly play a role when we select a travel rewards card to recommend. We’ll provide you with the current welcome offer information available for each card, but we also encourage you to confirm the welcome bonus offers and review them before applying for any card.
The best Chase credit cards may come with premium travel benefits, but you’ll also be paying a higher annual fee for those benefits. However, the perks offered by a travel rewards card could potentially offset any annual fee you’ll be paying — and much more. The best travel rewards cards also do not charge foreign transaction fees, although a card that does could still provide good value for domestic travel and offer good redemption potential for international travel.
A card will also score well if it earns flexible rewards, allowing you to choose how you’d like to redeem them. The best travel rewards cards provide one (or more) of the following redemption options:
You can read more about Upgraded Points’ credit card rating approach in our detailed guide.
Here are some tips to help you decide which Chase credit card is best for you.
At the end of the day, one of the most important factors of a rewards card is the type of rewards that you earn. Given that, you’ll want to decide whether you prefer to earn flexible rewards that can be transferred to multiple programs, or if you’d prefer to earn rewards within a program that you frequently use.
The range of perks a travel rewards credit card will offer can vary greatly, such as airport lounge access, Global Entry or TSA PreCheck application reimbursement, free checked bags, elite status, or statement credits. Consider which of the benefits are more important to you when selecting your new travel rewards credit card.
Take a look at your current card statement and examine the categories where you are spending the most. Is it dining? Gas? A combination of multiple categories? You’ll want to prioritize getting a card that includes helpful bonus categories for your lifestyle you’re earning as many rewards as possible.
It’s easy to see why Chase credit cards are some of the most popular rewards cards available today. The benefits and perks of these cards are plentiful and there are lots of options, so you’re bound to find one that’s perfect for you.
Whether you’re looking for a card that comes with great travel perks, one that earns Chase Ultimate Rewards, or one that earns simple cash-back, Chase has an option that will fit your needs.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Disney Premier Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Airline partners include Aer Lingus, Air Canada, Air France, British Airways, Emirates, Iberia, JetBlue, KLM, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic. Hotel partners include Hyatt, IHG, and Marriott Bonvoy.
As long as your account is open, your points will not expire.
No. You must have one of the Chase Ultimate Rewards cards to earn Ultimate Rewards points.
The value of your Ultimate Rewards points varies based on the credit card you have and how you use them. When redeeming for travel through the Ultimate Rewards portal, your points are worth:
It’s possible to get more value from your Ultimate Rewards points, though. At Upgraded Points, we value Ultimate Rewards points at 2 cents apiece because of their ability to be redeemed for huge value through Chase’s airline and hotel transfer partners.
While there may not be just one right answer to this question, there is one that’s a particularly well-rounded card that appeals to a wide variety of people. The Chase Sapphire Preferred card is one of the most popular rewards credit cards out there and popular with beginners as well as seasoned miles and points collectors. This card earns Chase Ultimate Rewards points and strikes a nice balance between cost and benefits.
The hardest Chase credit card to be approved for is likely the Chase Sapphire Reserve card. This premium credit card comes with tons of benefits and perks and requires a high credit score to be approved.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.