13 best Chase credit cards in September 2024

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Featured Offer

Chase Sapphire Preferred? Card

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Regular APR

21.49% – 28.49% Variable

Annual Fee

$95

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent, Good

Apply Now

On Chase Bank USA, NA's Secure Website

Chase Sapphire Preferred? Card

Best Chase credit card

Key takeaways

5x

Earn 5x points on travel purchased through Chase Travel?

3x

Earn 3x points on dining, select streaming services and online groceries

2x

Earn 2x points on all other travel purchases

1x

Earn 1x points on all other purchases, plus more

5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best Chase credit card

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Annual fee

$95

Regular APR

21.49%-28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The best overall Chase card is ideal for anyone who spends a decent chunk of time away from home. You’ll earn 5 points per dollar on eligible travel spending, and those points are worth 1.25 cents each when you redeem them through the Chase travel portal. On top of that, you can transfer points to partner hotel and airline loyalty programs, which can unlock even more value. The Sapphire Preferred’s annual rewards potential is hard to beat for a $95 annual fee. And the card’s value doesn’t stop with ongoing rewards: other benefits include a strong welcome bonus, purchase protection and baggage delay insurance.

+ Pros

• Points are worth 25% more when you redeem for eligible travel
• No foreign transaction fee
• Points can be transferred to loyalty program partners including JetBlue, Marriott and Hyatt

– Cons

• $95?annual fee
• No 0% introductory APR
• Must book travel through Chase Ultimate Rewards to earn 5 points per dollar

Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy bene?ts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Chase Sapphire Reserve?

Best card for upscale travel benefits and protections

Key takeaways

5x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel? immediately after the first $300 is spent on travel purchases annually

3x

Earn 3x points on other travel and dining and 1x points on all other purchases

4.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best card for upscale travel benefits and protections

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Annual fee

$550

Regular APR

22.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent</div>

Why we picked it

The high-end of Chase’s personal credit cards comes with a steep $550 annual fee, but this card can be worth the price tag thanks to a points-earning structure that pays big time for dining out and traveling. Cardholders receive airport lounge access and other perks including an up-to-$100 credit to reimburse their TSA PreCheck, Global Entry or NEXUS application fee every four years. Plus, the annual travel credit worth up to $300 can go a long way to offset the annual fee.

+ Pros

• Offers up to $300 in annual statement credits to cover travel
• Provides luxury travel benefits such as airport lounge access
• Points are worth 50% more when used to reserve travel through Chase Travel?

– Cons

• $550?annual fee
• $75 annual fee for each authorized user
• Must book travel through Chase Travel? to unlock highest rewards rates

Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Chase Freedom Unlimited?

Best card for general spending

Key takeaways

1.5%

Earn an additional 1.5% cash back on up to $20,000 spent in the first year

5%

After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel?

3%

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best card for general spending

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel?, 4.5% on dining and drugstores, and 3% on all other purchases.

up to $300 cash back

Annual fee

$0

Regular APR

20.49% – 29.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The Chase Freedom Unlimited is a solid no-annual-fee cash back card, and new cardholders receive Unlimited Matched Cash Back — Chase will automatically match all the cash back you earned at the end of your first year with no limit to how much cash back you can earn. Plus, cardholders earn 5% back on travel purchased through Chase Travel?, 3% back on dining and drugstores and 1.5% cash back on all other purchases.

+ Pros

• Generous welcome offer for a no-annual-fee card
• No annual fee
• 15-month 0% introductory APR (then a 20.49% – 29.24% Variable APR ongoing)

– Cons

• Ongoing balance transfer fee is high
• Not eligible to transfer points to airline and hotel loyalty program partners
• Charges a foreign transaction fee

Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that?lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back.?You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire?as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
• No annual fee –?You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Chase Freedom Flex?

*

The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for rotating bonus categories

Key takeaways

5%

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled

5%

5% on travel purchased through Chase Ultimate Rewards?

3%

3% on dining and drugstores and 1% on all other purchases

4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for rotating bonus categories

Welcome bonus offer

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year

$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)

Annual fee

$0

Regular APR

20.49% – 29.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good </div>

Why we picked it

Similar to the Chase Freedom Unlimited, the Chase Freedom Flex? * The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. has no annual fee. It comes with a low 1% rewards rate outside of bonus categories, but savvy shoppers can earn high rewards by maximizing spending in the quarterly bonus categories (activation required). Keep in mind that the 5% cash-back earnings only apply to the first $1,500 of qualifying purchases each quarter. After that, the standard cash-back rate of 1% applies.

+ Pros

• Earn 5% back on eligible travel and purchases in rotating categories
• 15-month 0% intro APR (then 20.49% – 29.24% Variable APR)
  
• No annual fee

– Cons

• Quarterly cash back category capped at $1,500 in combined purchases each quarter
• Charges a foreign transaction fee
• Redemption options don’t include transferring to airline and hotel loyalty partners

Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel?, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex? card
• Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Chase Freedom Rise?

*

The information for the Chase Freedom Rise? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best card for building credit

Key takeaways

1.5%

Earn 1.5% cash back on every purchase

3.1/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best card for building credit

Welcome bonus offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

$25 statement credit

Annual fee

$0

Regular APR

26.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>New To Credit</div>

Why we picked it

This no-annual-fee card is a solid get for consumers looking to build credit, especially existing Chase checking customers. You can earn 1.5% cash back on all spending and could qualify for a credit limit increase starting six months after opening an account.

+ Pros

• Potential to qualify for a credit limit increase after six months
• $0 annual fee
• Earns 1.5% cash back on all spending

– Cons

• No significant welcome bonus
• Need an eligible Chase checking account to boost approval odds
• No bonus cash back categories
  

Highlights

• Increase your approval chances – Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise?
• Earn Cash Back – With Chase Freedom Rise?, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
• Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
• Credit Limit Increase – As a Freedom Rise cardmember, you’ll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise? Card
• Free Credit Score – Track your credit score and learn how to build it with Chase Credit Journey.
• No Annual Fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Rise? card.
• Member FDIC

Ink Business Preferred? Credit Card

Best business credit card

Key takeaways

3x

Earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year

1x

Earn 1 point per dollar on all other purchases, with no limit to the amount you can earn

4.7/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best business credit card

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 bonus points

Annual fee

$95

Regular APR

21.24%-26.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

This business card comes with a $95 annual fee and offers an elevated value of 1.25 cents per point when you redeem for travel booked through the Chase Travel? portal. The card offers 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year (then 1x) and 1 point per dollar on all other purchases, providing solid rewards potential compared to other $95-annual-fee business cards.

+ Pros

• Points are worth 25% more when used through Chase Travel?
  
• Earn 90,000 points after spending $8,000 on purchases in the first three months of account opening
• Points can be transferred to participating loyalty programs

– Cons

• $95 annual fee
• No 0% introductory APR
• Bonus rewards capped at $150,000 in spending across bonus categories each year

Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel?
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel?
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Ink Business Cash? Credit Card

Best no-annual-fee business credit card

Key takeaways

5%

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

2%

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

1%

Earn 1% cash back on all other card purchases with no limit to the amount you can earn

4.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best no-annual-fee business credit card

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

up to $750 bonus cash back

Annual fee

$0

Regular APR

18.49% – 24.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Ink Business Cash? Credit Card sets itself apart with 5% cash back on up to $25,000 in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year (then 1% back) and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1% back). All other purchases earn 1% back.

+ Pros

• No annual fee
• 0% intro APR on purchases for 12 months (then an ongoing 18.49% – 24.49% Variable APR)
• Welcome bonus of $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

– Cons

• Charges a foreign transaction fee
• 5% cash back rate capped at $25,000 in spending across bonus categories each year
• 0% intro APR does not apply to balance transfers

Highlights

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Marriott Bonvoy Boundless? Credit Card

*

The information for the Marriott Bonvoy Boundless? Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best hotel credit card

Key takeaways

6X

Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays

3X

Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining

2X

Earn 2 points per dollar spent on all other purchases

4.4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best hotel credit card

Welcome bonus offer

Earn 3 Free Night Awards after spending $3,000 on purchases in the first 3 months of account opening.

3 Free Night Awards

Annual fee

$95

Regular APR

21.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

Consumers who regularly stay at Marriott Bonvoy properties may want to elevate their rewards earning with the Marriott Bonvoy Boundless? Credit Card * The information for the Marriott Bonvoy Boundless? Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . You’ll see travel perks and strong rewards rates on everyday spending and Marriott Bonvoy expenses (although it comes with a $95 annual fee).

+ Pros

• No foreign transaction fees
• Earns points on Marriott expenses and everyday spending
• Offers free night each account anniversary

– Cons

• $95 annual fee
• No 0% introductory APR
• 3x points categories capped at $6,000 in spending per year (then 2x)

Highlights

• Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening
• Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays
• Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining
• Earn 2 points per dollar spent on all other purchases
• Points don’t expire as long as you make purchases on your credit card every 24 months

IHG One Rewards Traveler Credit Card

*

The information for the IHG One Rewards Traveler Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best no-annual-fee hotel credit card

Key takeaways

17X

Earn up to 17 points total per $1 spent when you stay at IHG Hotels & Resorts

3X

Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants

2X

Earn 2 points per $1 spent on all other purchases

4.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best no-annual-fee hotel credit card

Welcome bonus offer

Earn 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.

Earn 80,000 bonus points

Annual fee

$0

Regular APR

21.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The IHG One Rewards Traveler Credit Card * The information for the IHG One Rewards Traveler Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. rewards regular IHG customers. You’ll earn extra points on IHG spending, plus points on everyday expenses. On top of that, you’ll get IHG travel perks and pay no annual fee to use the card.

+ Pros

• No annual fee
• Offers free fourth night when you book three nights with points
• No foreign transaction fee

– Cons

• No introductory 0% APR
• Must spend $10,000 each calendar year to earn annual points bonus
• Must spend $20,000 in a calendar year to unlock IHG One Rewards Gold Elite Status with your card

Highlights

• Earn 80,000 Bonus Points
• No Annual Fee
• Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
• No Foreign Transaction Fees
• Redeem 3 Nights, Get the 4th Night Free
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^?, Crowne Plaza^?, Kimpton^?, EVEN^? Hotels, Indigo^? Hotels & Holiday Inn^?
• Member FDIC

IHG One Rewards Premier Business Credit Card

*

The information for the IHG One Rewards Premier Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best hotel business credit card

Key takeaways

10X

Earn 10 points per dollar spent when you stay at an IHG hotel

5X

Earn 5 points per dollar spent on travel and select advertising and at gas stations and restaurants

3X

Earn three points per dollar spent on all other purchases

4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best hotel business credit card

Welcome bonus offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

Earn up to 140,000 bonus points

Annual fee

$99

Regular APR

21.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

Business users with expenses at IHG Hotels u0026 Resorts can get more out of their spending with the IHG One Rewards Premier Business Credit Card * The information for the IHG One Rewards Premier Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . With rewards on IHG spending and everyday expenses plus travel perks such as a free night for your account anniversary, this card can be well worth its $99 annual fee.

+ Pros

• Offers free fourth night when you book three nights with points
• Free night each account anniversary
• No foreign transaction fees

– Cons

• $99 annual fee
• Must spend $20,000 in a calendar year to earn annual bonus
• Some business cards with similar fees may offer higher annual rewards value

Highlights

• Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^? hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier Business cardmember
• Global Entry, TSA PreCheck^? or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at hotels such as InterContinental?, Crowne Plaza?, Kimpton?, EVEN? Hotels, Indigo? Hotels & Holiday Inn?
• Member FDIC

Southwest? Rapid Rewards? Premier Business Credit Card

Best airline business credit card

Key takeaways

3x

Earn 3 points per $1 spent on Southwest? purchases

2x

Earn 2 points per $1 spent on Rapid Rewards? hotel and car partners

2x

Earn 2 points per $1 spent on local transit and commuting, including rideshare

1x

Earn 1 point per $1 spent on all other purchases

3.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best airline business credit card

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

60,000 points

Annual fee

$99

Regular APR

21.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

Business travelers who fly Southwest can get good value from the Southwest? Rapid Rewards? Premier Business Credit Card. The card’s points-earning and benefits on Southwest flights can make the $99 annual fee more than worth it.

+ Pros

• Benefits on Southwest flights
• No foreign transaction fee
• Offers bonus points each year for your account anniversary

– Cons

• $99 annual fee
• Some business cards with similar annual fees may offer higher annual rewards value
• Low base rewards rate

Highlights

• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• 6,000 bonus points after your Cardmember anniversary.
• Earn 3X points on Southwest Airlines® purchases.
• Earn 2X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• 1 point per $1 spent on all other purchases.
• 2 EarlyBird Check-In® each year.
• Member FDIC

United Gateway? Card

Best no-annual-fee airline credit card

Key takeaways

2X

2X miles per $1 spent on United purchases, at gas stations and on local transit and commuting

1X

1 mile per $1 spent on all other purchases

3.4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best no-annual-fee airline credit card

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On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Earn 20,000 bonus miles

Annual fee

$0

Regular APR

21.99% – 28.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

The United Gateway? Card doesn’t come with the frills of some other airline cards that charge annual fees, but you can still cash in with United. Consumers looking to save on fees and take advantage of a 0% introductory APR may be drawn to this card.

+ Pros

• $0 annual fee
• 0% introductory APR on purchases for the first 12 months from account opening (then a 21.99% – 28.99% Variable APR)
• Discounts on in-flight purchases with United
  

– Cons

• 0% introductory APR does not apply to balance transfers
• No free checked bags
• Low base rewards rates

Highlights

• Earn 20,000 bonus miles
• No annual fee
• Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• Earn 1 mile per $1 spent on all other purchases
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Member FDIC

Our picks at a glance

	Annual fee	Welcome bonus	Best for	Top rewards rate
Chase Sapphire Preferred? Card	$95	60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening	Chase	5 points per dollar on eligible travel booked with Chase Travel?
Chase Sapphire Reserve?	$550	60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening	Upscale travel benefits and protection	10 points per dollar on eligible hotel and car rental spending with Chase Travel?
Chase Freedom Unlimited?	$0	Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back	General spending	5% back on travel booked through Chase Travel?
Chase Freedom Flex? * The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	$200 bonus after you spend $500 on purchases in your first three months from account opening	Rotating bonus categories	5% back in quarterly bonus categories and on travel booked through Chase Travel?
Chase Freedom Rise? * The information for the Chase Freedom Rise? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	$25 statement credit after signing up for automatic payments within the first three months of account opening	Building credit	1.5% cash back on all purchases
Ink Business Preferred? Credit Card	$95	90,000 points after spending $8,000 on purchases in the first three months of account opening	Business	3 points on your first $150,000 spent on travel and select business expenses each account anniversary year
Ink Business Cash? Credit Card	$0	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening	No-annual-fee business	5% cash back on your first $25,000 spent in combined purchases in select business categories each each account anniversary year
Marriott Bonvoy Boundless? Credit Card * The information for the Marriott Bonvoy Boundless? Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$95	three free night awards after spending $3,000 on purchases in the first three months of account opening	Hotels	6 points per dollar on spending at Marriott Bonvoy hotels
IHG One Rewards Traveler Credit Card * The information for the IHG One Rewards Traveler Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	80,000 bonus points after spending $2,000 on purchases within the first three months of account opening	No-annual-fee card for hotels	5 points per dollar on spending at IHG Hotels & Resorts
IHG One Rewards Premier Business Credit Card * The information for the IHG One Rewards Premier Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$99	140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening	Hotel business spending	10 points per dollar at IHG Hotels & Resorts
Aeroplan? Credit Card	$95	Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening	Airline spending	3 points per dollar on Air Canada purchases and on groceries and restaurant dining
Southwest? Rapid Rewards? Premier Business Credit Card	$99	60,000 points after you spend $3,000 on purchases in the first 3 months your account is open	Airline business spending	3 points per dollar on Southwest Airlines purchases
United Gateway? Card	$0	20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases	Airline spending with no annual fee	2 miles per dollar on United purchases and local transit and commuting and at gas stations

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Types of Chase credit cards

Chase’s credit cards fit into three main categories.

• Chase Travel cards. Chase Travel? is the issuer’s rewards program, and points function like a currency. You can use your points to book travel and experiences, cover eligible spending, or purchase gift cards. Eligible cards also permit 1-to-1 transfers to partner airline and hotel loyalty programs. You can even transfer points between certain Chase cards to maximize the value of your points (for example, a point earned on your Chase Freedom Unlimited is worth 1 cent when redeemed for cash back. If you transfer it to your Sapphire Preferred account, it’s worth 1.25 cents if redeemed for travel through the Chase Travel? program.)
• Co-branded cards. Chase partners with United Airlines, Amazon, Disney and other brands to offer cards that earn rewards tailored for customers of each company.
• Business cards. Chase offers co-branded business credit cards and business credit cards that earn Chase Travel?.

The pros and cons of Chase credit cards

Pros

• Range of personal and business card options: Chase offers no-annual-fee cards, mid-range rewards cards and luxury travel cards. Regardless of your spending habits, you can likely find a Chase card with rewards to match.
• Chase Travel? perks: Cards that earn Chase Travel? come with a variety of redemption options. You can book travel, get cash back, cover eligible purchases and more. Eligible cards also allow users to transfer points to one of Chase’s travel partners.

Cons

• Not good for credit beginners: Chase doesn’t offer any secured or student credit cards to new applicants. The Chase Freedom Rise? * The information for the Chase Freedom Rise? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is the only option marketed toward consumers who are new to credit.
• Possible rewards restrictions: Some cards cap or restrict earnings in top bonus categories. For example, you’ll only earn 5% back on travel with Chase Freedom Unlimited if you book through Chase Travel?, which can be inconvenient.
• 5/24 application restriction: Chase has an unwritten policy that often stops consumers who have opened five or more credit cards from any bank in the past 24 months from getting approved for Chase cards.

Key factors for choosing a Chase credit card

When choosing a Chase credit card, consider five key questions:

• Are you willing to pay an annual fee? Chase offers no-annual-fee rewards cards, such as Chase Freedom Unlimited and Freedom Flex, as well as higher-end cards that charge annual fees, such as the Sapphire Preferred and Sapphire Reserve. The more expensive cards often offer better rewards and benefits, so do the math to see if the charge is worth it.
• Are you equipped to work with travel loyalty programs? With some Chase credit cards, you’ll have the option to transfer Chase Travel? points to airline and hotel loyalty programs. With a co-branded card like the Aeroplan? Credit Card, you’ll be working with a loyalty program to begin with. While these cards have more potential value than a more straightforward option like the Chase Freedom Unlimited, you’ll need to invest time to get the most out of your points or miles.
• Can you unlock the welcome bonus? Almost all of the best Chase cards offer a welcome bonus that you can unlock by spending a certain amount in your first months with the card. When evaluating a card, check whether the spending requirement will fit within your regular budget. Never overspend simply to get a welcome bonus.
• What card benefits will you use? Possible perks of your Chase card include a 0% introductory APR, statement credits to cover eligible travel spending and free nights at eligible hotels. Consider which credit card benefits matter most to you before you choose a Chase card.
• Do you already have a Chase card? Cards that earn Chase Travel? may allow cardholders to consolidate points from their Chase cards and the Chase cards of others in their households. If you already have the Freedom Flex, for example, you may be especially interested in the Sapphire Preferred because pooling your points into your Sapphire Preferred account will increase their potential value.

How to apply for a Chase credit card

It’s possible to apply for a Chase credit card online or in person at a bank branch. Chase doesn’t currently offer credit card preapproval, so it won’t provide insight on your approval odds before you officially apply. When you apply for a credit card, be prepared to provide personal and financial information.

Understanding the Chase 5/24 rule

Chase’s 5/24 rule is an unwritten policy that bars consumers who have opened at least five credit cards from any issuer in the past 24 months from approval for Chase cards. Most business cards won’t contribute to the count.

Gaining a better credit limit with Chase

Chase allows cardholders to request credit limit increases through their online accounts. Chase says requesting a higher credit limit won’t affect your credit score. You may need to provide your gross annual income and monthly housing payment as part of your request.

In advertising the Chase Freedom Rise? * The information for the Chase Freedom Rise? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Chase says credit limit increases may be considered as few as six months after a cardholder opens an account. Consumers with the Chase Slate Edge? * The information for the Chase Slate Edge? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. receive an automatic credit limit review if they make all payments on time and spend at least $500 in their first six months with the card.

Methodology

Our money and data analytics teams evaluated all of the Chase credit cards currently available to new applicants. We then narrowed down our list of the best Chase cards by giving them a star rating out of five, based on the following factors and our editorial judgment:

Sign-up bonus value (25%)

Many Chase cards offer bonus rewards to consumers who spend a certain amount in their first months with the card. We calculated how much those bonuses are worth using points valuations from The Points Guy, and boosted cards that offer more value.

Rewards value (25%)

Many Chase credit cards earn rewards, but not all of their rewards have the same value. We used spending data from the Bureau of Labor Statistics and estimates of rewards values from The Points Guy to determine which cards dole out the best rewards value.

Benefits (20%)

Cards that offer benefits such as purchase protection, extended warranty and a 0% introductory APR on purchases and balance transfers received a boost.

Annual fee (20%)

Credit cards with no or low annual fees received a boost compared to cards that charge higher annual fees.

Foreign transaction fee (5%)

Cards with no foreign transaction fee received the largest advantage.

Annual credits/bonuses (5%)

Credit cards that come with credits and bonuses for spending in certain categories received a boost.

What didn’t make the cut

• Ink Business Premier? Credit Card: While this card offers 2.5% cash back on purchases of $5,000 or more and 2% back on other purchases, it charges a high annual fee and you can’t transfer rewards to airline and hotel partners.
• Ink Business Unlimited? Credit Card: Business owners who want to earn flat-rate rewards can get good use from this card, but there are no bonus categories for cash back.
• The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Hyatt loyalists can get solid value from this card, but Hyatt’s relatively limited number of locations compared to other chains makes other co-branded hotel cards more appealing to average travelers.
• Chase Slate Edge? * The information for the Chase Slate Edge? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card comes with a long introductory APR on balance transfers and purchases, but it does not earn rewards.
• United? Explorer Card: United loyalists can get strong value from this card, but the Aeroplan? Credit Card beat it out in our ratings.
• Prime Visa * The information for the Prime Visa has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Amazon and Whole Foods customers can get a lot out of this card, but you’ll need to pay for a Prime membership to take advantage.
• Instacart Mastercard? * The information for the Instacart Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : You’ll earn solid rewards on groceries, but only if you use Instacart.