The Best Chase Credit Cards of January 2023

Insider’s specialists select one of the best services to assist make sensible selections together with your cash (right here’s how). In some instances, we obtain a fee from our companions, nevertheless, our opinions are our personal. Phrases apply to provides listed on this web page.

Bank card factors and frequent flyer miles are extremely helpful, it doesn’t matter what program you earn them with or what you finally select to do with them. Whereas there are a number of various kinds of bank card rewards, you profit no matter which sort your card earns by gathering a rebate in your on a regular basis spending — so long as you apply monetary self-discipline and repay your assertion in full every month.

The Chase Sapphire Reserve is a premium rewards card that has set the usual for different bank card issuers who up to date their very own merchandise to maintain up with the Reserve’s top-of-the-line rewards and advantages. However even in case you do not need to pay the steep annual price for the Reserve, Chase has different glorious rewards playing cards to contemplate, together with choices that earn money again and nice small-business bank cards.

For instance, the Chase Sapphire Most popular® Card at the moment has an incredible welcome bonus provide of 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening.

Have a look under at our decisions of one of the best out there Chase playing cards, together with our total high choose, the Chase Sapphire Most popular® Card.

Evaluate one of the best Chase bank cards

One of the best Chase bank card critiques

Finest total for journey rewards: Chase Sapphire Most popular

Why the Chase Sapphire Most popular is price it:  The Chase Sapphire Most popular® Card has an inexpensive annual price and nice advantages, and comes with a superb welcome bonus provide.

Welcome bonus provide: 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening

The Sapphire Most popular provides and a considerable welcome bonus provide for a average annual price. It earns 5x factors on journey bought by Chase Final Rewards (2x factors on all different journey purchases), 3x factors on eating, 3x factors on on-line grocery purchases (excluding Goal, Walmart, and wholesale golf equipment), 3x factors on choose streaming providers, and 1 level per greenback on all the pieces else.

Factors are price 1.25 cents on journey booked by Chase, however you’ll be able to nonetheless switch them to Chase’s frequent flyer and resort loyalty program companions. You will additionally obtain major automotive rental insurance coverage protection, journey delay protection, buy safety, and a ten% anniversary factors bonus. The annual price is a manageable $95.

Execs: Nice welcome bonus provide, transferable factors, journey perks, decrease annual price than the Sapphire Reserve card

Cons: Earns fewer factors in some classes than the Sapphire Reserve

Assessment: Chase Sapphire Most popular card assessment

Finest premium card: Chase Sapphire Reserve

Why the Chase Sapphire Reserve is price it: The Chase Sapphire Reserve® makes it simple to earn rewards for journey and extra with an incredible welcome bonus provide and a profitable points-earning scheme.

Welcome bonus provide: 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening

With 5x whole factors on air journey and 10x whole factors on resorts and automotive leases bought by Chase Final Rewards (after incomes the $300 journey credit score), 3x factors on different journey and eating, and 1 level per greenback on all the pieces else, the Sapphire Reserve earns factors shortly by your on a regular basis spending, and it comes with a slew of perks.

Factors are price 1.5 cents every towards journey booked by Chase or with Pay Your self Again, however you too can switch them to over a dozen Chase airline and resort companions — sometimes, this will get you essentially the most worth in your factors. Advantages embody entry to airport lounges by the Precedence Cross community, journey delay protection, buy safety, as much as $100 to cowl the International Entry, TSA PreCheck, or NEXUS software price, and first automotive rental insurance coverage.

Nevertheless, whereas the airport lounge entry may be nice, most Precedence Cross lounges are in worldwide terminals, which is not useful whenever you’re flying domestically.

You will additionally get a complimentary Lyft Pink All Entry membership for 2 years — and a 50% low cost in your third 12 months. All you’ll want to do is activate your membership by December 31, 2024. An annual membership prices $199, and comes with issues like:

• Free Precedence Pickup upgrades
• Member-exclusive pricing together with as much as 15% off rides
• Cancellation forgiveness (free as much as 3 times monthly)
• In-app roadside help in your personal automotive (free as much as 4 occasions a 12 months)
• Free SIXT automotive rental upgrades
• Free, limitless 45-min basic bike rides
• Free limitless ebike and scooter unlocks
• Discounted ebike and scooter charges
• Three bike or scooter visitor passes per 12 months

The annual price is $550, however that is offset by as much as a $300 journey credit score annually, which is nice for issues like taxis, subway fares, parking, tolls, and flights.

There aren’t many downsides to this card — apart from the upfront annual price. Chase has invested closely in making the Chase Final Rewards program aggressive. Reserving flights by transferring factors to frequent flyer companions is usually extra profitable — that is normally how folks use factors to fly in first and enterprise class — however it may be difficult as a result of you must decipher award charts, discover availability, and work round typically complicated airline guidelines.

Nevertheless, as a result of the Sapphire Reserve means that you can get 1.5 cents for every level whenever you e-book paid journey by the Chase Final Rewards journey portal, there is a easier and still-valuable possibility.

Execs: Strong welcome bonus, easy-to-earn factors, factors switch to well-liked frequent flyer and resort loyalty applications, good airport advantages

Cons: Excessive annual price, Precedence Cross lounges are sometimes in worldwide terminals

Assessment: Chase Sapphire Reserve card assessment

Why the Chase Freedom Limitless is price it: The Chase Freedom Limitless® helps you earn factors for on a regular basis purchases and get money again with no annual price.

Welcome bonus provide: 1.5% money again along with common incomes on all the pieces you purchase as much as $20,000 spent within the first 12 months (price as much as $300 money again). 

If you have already got the Sapphire Reserve or the Sapphire Most popular and are saving your factors for a redemption, the Freedom Limitless may give your stability a pleasant increase. Whereas Chase markets the cardboard as “money again,” it really earns Chase Final Rewards factors you can redeem for money, reward playing cards, journey, and extra (1 level = 1 cent).

When you have a premium card just like the Sapphire Reserve, you’ll be able to pool your factors from the 2 playing cards. The Freedom Limitless earns a minimal of 1.5% money again (or 1.5 factors per greenback spent), so paired with a Sapphire Reserve, it is an incredible card to make use of for purchases that are not made on journey bills or eating.

The Freedom Limitless additionally earns 5% money again on journey booked by Chase and three% again on eating and drugstore purchases.

Better of all, the cardboard has no annual price and comes with a 0% intro APR on purchases and stability transfers for the primary 15 months. After that, there is a 18.74% – 27.49% Variable APR. When you have a serious buy forward of you, that introductory provide may be helpful.

The Chase Freedom Limitless is a implausible all-around card. Nevertheless, to get essentially the most worth when it is time to spend your factors, you want the Sapphire Reserve, Sapphire Most popular, or Ink Enterprise Most popular® Credit score Card, too, so you’ll be able to pool your factors. In any other case, factors are solely price 1 cent every irrespective of how you employ them and so they cannot be transferred to airline or resort companions.

Execs: Sturdy welcome bonus provide, earn factors on common purchases, no annual price, 0% intro APR on purchases and stability transfers for the primary 15 months (and a 18.74% – 27.49% Variable APR after that)

Cons: One level solely equals 1 cent for money again; to get a greater worth you will must pair it with the Sapphire Most popular, Sapphire Reserve, or Ink Most popular

Assessment: Chase Freedom Limitless card assessment

Why the Chase Freedom Flex is price it: The Chase Freedom Flex℠
provides 5% money again or 5x factors on as much as $1,500 of spending in classes that rotate every quarter whenever you activate (then 1%), along with 5% again on journey booked by Chase Final Rewards, 3% again on eating and drugstore purchases, and 1% again on all the pieces else

Welcome bonus provide: $200 after spending $500 on purchases within the first three months from account opening. 

Identical to the Chase Freedom Limitless, the Chase Freedom Flex℠ is marketed as a cash-back card, however really earns Chase Final Rewards factors you can redeem for money, reward playing cards, and journey (1 level = 1 cent). You’ll be able to mix them with Chase Final Rewards earned from a special card, which provides you the choice to get a bonus when redeeming them for journey or switch them to journey companions.

The important thing characteristic of the Chase Freedom Flex℠ is that it earns 5% money again (5x factors) on as much as $1,500 spent per quarter as soon as activated in rotating quarterly bonus classes. Prior to now, quarterly classes have included Amazon, grocery shops, and fuel stations. From January 1 to March 31, 2023, the Chase Freedom bonus classes are grocery shops, Goal, and gymnasium/health memberships.

Nevertheless, that is not the place the bonus money again ends; the Chase Freedom Flex℠ additionally earns 5% money again (with no cap) on journey bought by Chase Final Rewards, 3% again on eating and drugstore purchases, and 1% again on all the pieces else.

It does not have an annual price, and there is a 0% intro APR on purchases and stability transfers for the primary 15 months (with a 18.74% – 27.49% Variable APR afterward).

Execs: Good welcome bonus provide, nice incomes fee for a number of bonus classes, 0% intro APR on purchases and stability transfers for the primary 15 months (and a 18.74% – 27.49% Variable APR after that)

Cons: One level solely equals 1 cent for money again, to get a greater worth you will must pair it with the Sapphire Most popular, Sapphire Reserve, or Ink Most popular

Assessment: Chase Freedom Flex card assessment

Why the Chase Ink Enterprise Most popular is price it: The Ink Enterprise Most popular® Credit score Card helps small enterprise homeowners rack up factors shortly, and mix them with factors earned on their private playing cards.

Welcome bonus provide: 100,000 factors after spending $15,000 on purchases within the first 3 months from account opening

The Ink Most popular is a superb rewards bank card for small-business homeowners — and you do not have to run a multi-million greenback company to qualify for a enterprise bank card.

The cardboard, which has a $95 annual price, earns 3 factors per greenback on the primary $150,000 you spend every cardmember 12 months in choose classes, together with journey, transport, web/cable/cellphone, and promoting on social media websites or with search engines like google and yahoo, reminiscent of Google Advertisements. Purchases after you attain $150,000, or in every other class, earn 1 level per greenback.

Except you use a small enterprise that is on the bigger aspect, likelihood is you will not hit that cap for bonus rewards. The cardboard’s welcome bonus is a good worth — you will earn 100,000 factors after spending $15,000 on purchases within the first 3 months from account opening — price $1,250 towards journey booked by Chase Final Rewards.

Like with the Sapphire Most popular, you will get a 25% bonus when utilizing factors out of your Ink Most popular to e-book journey immediately with Chase or by Pay Your self Again. After all, in case you pool them in your Sapphire Reserve card, that bonus shall be 50% as a substitute.

The cardboard comes with a handful of different perks, lots of which overlap with the Sapphire Most popular and Sapphire Reserve, reminiscent of journey cancellation and interruption insurance coverage, major automotive rental protection, and numerous buy protections. It additionally comes with cellphone insurance coverage whenever you use the cardboard to pay your cellphone invoice, providing as much as $1,000 for every coated declare, with a $100 deductible, as much as 3 times per 12-month interval.

Execs: Helpful bonus classes, cellphone insurance coverage, capacity to switch factors

Cons: Caps on bonus incomes which bigger small companies might attain shortly

Assessment: Ink Enterprise Most popular card assessment

Why the Chase Ink Enterprise Money is price it: The Ink Enterprise Money® Credit score Card provides its highest-ever welcome bonus price doubtlessly $1,620 in journey (as you will see in a minute). That is unimaginable for a no-annual-fee enterprise card. And in case your spending strains up with the cardboard’s 5x bonus classes, you can earn an enormous quantity of factors yearly. 

Welcome bonus provide: $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

The Ink Enterprise Money® Credit score Card is a superb possibility in case you choose a no-annual-fee small-business card, particularly if what you are promoting spends lots in sure classes. Together with $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening, cardholders earn 5% money again (5x factors) at workplace provide shops and on web, cable, and cellphone providers, and a pair of% money again (2x factors) at fuel stations and eating places. You will earn 5% and a pair of% in these classes on the primary $25,000 in mixed purchases every account anniversary 12 months (then 1%), and 1% money again (1 level per greenback) on all different purchases with no caps.

Though this card is marketed as a cash-back bank card, it really earns Chase Final Rewards factors, that are price 1 cent every whenever you redeem them for money again, reward playing cards, or journey by the Chase journey portal. Nevertheless, in case you even have the Ink Most popular, Sapphire Most popular, or Sapphire Reserve, you’ll be able to mix your factors and unlock extra precious redemptions, together with transfers to airline and resort companions. 

Cardholders additionally obtain a wide selection of advantages, together with major automotive rental insurance coverage (when renting for enterprise functions), prolonged guarantee, buy safety, and journey emergency help providers. There is a 0% intro APR on purchases for the primary 12 months, adopted by a 16.99% – 22.99% Variable APR.

Execs: Nice welcome bonus and intro APR provide, sturdy bonus classes, first rate advantages, no annual price

Cons: Excessive minimal spending requirement to unlock intro bonus provide, factors are solely price 1 cent apiece until you could have an annual-fee Chase Final Rewards card

Assessment: Ink Enterprise Money card assessment

Why the Chase Ink Enterprise Limitless is price it: For those who’re in search of an easy small-business card with intro APR and no annual price, the Ink Enterprise Limitless® Credit score Card is a strong choose. There are not any bonus classes to maintain observe of. It additionally provides the identical highest-ever bonus because the Ink Enterprise Money® Credit score Card — price doubtlessly $1,620 in journey.

Welcome bonus provide: $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

Small-business homeowners preferring simplicity or who spend lots on purchases that do not fall underneath typical bonus classes ought to contemplate the Ink Enterprise Limitless® Credit score Card. There are not any bonus classes or spending caps to maintain observe of — as a substitute, all purchases earn 1.5% money again (1.5x factors) with no limits.

The welcome bonus provide is particularly good for a no-annual-fee card: $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening. As well as, cardholders obtain a 0% intro APR on purchases for the primary 12 months (then a 16.99% – 22.99% Variable). Different advantages embody major automotive rental insurance coverage (when renting for enterprise functions), prolonged guarantee, buy safety, and journey emergency help providers.

Much like the Ink Enterprise Money® Credit score Card, the factors you earn from the Ink Enterprise Limitless® Credit score Card may be extra precious in case you pool them into an Ink Most popular, Sapphire Most popular, or Sapphire Reserve account.

Execs: Beneficiant welcome bonus and APR provide, no bonus classes to trace, sturdy flat-rate money again incomes

Cons: Intro bonus provide has a excessive minimal spending requirement, factors are solely price 1 cent apiece until you could have an annual-fee Chase Final Rewards card

Assessment: Chase Ink Enterprise Limitless card assessment

Why the Chase Freedom Pupil card is price it: School college students who do not qualify for normal bank cards due to their restricted credit score historical past can have a neater time getting accepted for the Chase Freedom® Pupil bank card, and in contrast to some scholar bank cards, it comes with a welcome bonus provide and incentives for holding your account in good standing.

Welcome bonus provide: $50 Bonus after first buy made throughout the first 3 months from account opening

Whereas the Chase Freedom® Pupil bank card does not provide one of the best rewards fee — 1% money again on all purchases —  it is a good place to begin in case you’re a school scholar who’s new to bank cards. Some scholar playing cards do not add a welcome bonus provide in any respect, however the Chase Freedom® Pupil bank card comes with a $50 Bonus after first buy made throughout the first 3 months from account opening. 

It is also simple to earn the bonus — you do not have to spend a specific amount inside a particular timeframe. As an alternative, you will set off the provide after your first buy so long as you make it throughout the first three months of opening the account. Cardholders additionally obtain a $20 Good Standing Reward (2,000 Chase Final Rewards factors) annually on their account anniversary for as much as 5 years from account opening, so long as the account stays open and isn’t in default.

The Chase Freedom® Pupil bank card comes with surprisingly good advantages for a no-annual-fee scholar card, together with journey cancellation/interruption insurance coverage, buy safety, and prolonged guarantee. Remember that the cardboard costs international transaction charges, so it is not a sensible choice to make use of in case you research overseas or take a world summer season journey.

Execs: No requirement for a excessive credit score rating or lengthy credit score historical past, first rate welcome bonus and annual Good Standing Reward

Cons: Overseas transaction charges, solely earns 1% again on all purchases

Assessment: Chase Freedom Pupil bank card assessment

Chase bank card steadily requested questions (FAQ)