Chase Credit Cards

By updated on October 24, 2014

The card offers below are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

Chase is the U.S. consumer and commercial banking portion of JPMorgan Chase, a leading global financial services firm that operates in more than 60 countries. Chase Bank offers many great rewards and low interest credit cards as well as several co-branded cards. They also offer a variety of business credit cards.

I don't know too much about Chase. Why should I choose a Chase credit card?

If you are looking for a credit card company that offers plenty of security, you may want to consider applying for a Chase credit card. Chase, the largest credit card issuer in the United States, is the consumer and commercial banking division of JPMorgan Chase, which has more than $2 trillion in assets and a 200-year history. 

Chase isn't some fly-by-night credit card company; they have 200,000 employees and operate in 60 different countries. With millions of customers, Chase knows the credit card business and is able to give some of the best credit card offers in the industry.

Finding the best credit card for you depends on the type of credit card you want as well as how you intend to pay off your balance. Chase offers a wide variety of credit cards, so you are likely to find at least one that meets your needs.

I heard something about Chase getting sued. Should I be concerned?

You are referring to the lawsuit involving a citizen names James McCoy, who claimed Chase raised interest rates without proper notification. Ultimately, the Supreme Court found in Chase's favor. You don't have to worry about a similar situation because the new credit card regulations that came out in 2009 require all credit card companies to send card holders a notice when interest rates change.

What are my options for Chase credit cards?

More than a dozen Chase credit cards are available, many of which include the very smart Chase BluePrint tool.

Before deciding which Chase credit card to apply for, you'll need to think about how you will use the card. If you are looking for a new credit card in order to pay off credit card debt, you may want to consider:

  • A balance transfer credit card, which offers you zero or low interest for a specific period of time. You will also need to pay a balance transfer fee, typically at least 3 percent. Be sure to check to see if you can pay your balance in full before the introductory period ends and to be aware of the interest rate after the intro period is up.
  • A low interest credit card, which has a particularly low interest rate for the long-term. The low interest rate may apply to both a balance transfer and new purchases. Low interest credit cards are usually reserved for consumers with good or excellent credit.

If you intend to pay off your balance in full each month, you may want to consider some of the Chase credit cards with rewards:

  • Chase Sapphire Preferred Card, which offers bonus points when you meet spend requirements within the first three months of account opening. You can earn double points per dollar spent on travel and dining in restaurants and one point per dollar for all other purchases.
  • The Chase Freedom® credit card offers 5 percent cash back on up to $1,500 in combined purchases in various categories of purchases that change quarterly, such as gasoline, dining at restaurants and more. There are quarterly spend caps, as mentioned above, and you need to enroll each quarter. You can also earn 1 percent cash back on all other purchases year round.
  • Chase offers several co-branded credit cards with airlines such as United, Southwest and hotels such as Marriott and Hyatt. You can earn points spent with the companies that are co-branded with the credit card, as well as points for other purchases. If you are a frequent flier looking for the best travel credit card, you may want to consider which airline you fly the most and compare how quickly you can earn points and how you can use them.

The Blue Print feature is different from others because it allows you to select your financing terms for each purchase. It also doesn't have any associated fees or penalties. Annual percentage rates vary by the type of Chase credit card. However, interest rates and credit card offers frequently change, so be sure to do your research.

Does Chase offer business credit cards, too?

If you are looking for a business credit card or charge card, Chase offers the Ink line of credit and charge cards for small business owners.

There are several types of Ink business cards, each with slightly different rewards programs and features.

Check out the rewards system, interest rate and annual fee of the Ink business cards to decide which one meets your needs best.

 

What is the best Chase credit card?

Which Chase credit card is best depending on what you are looking for in a card.  Chase offers a variety of cash back, reward points, airline, balance transfer and business credit cards.  For example if you rarely or never carry a balance and want cash back on purchases, then a Chase cash back card—like the Chase Freedom®—might fit your needs.

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Chase Freedom®

Editor's Rating

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
Apply Now Credit Needed Good
X

Purchase Intro

APR: 0% Intro APR on purchases

Period: for 15 months

Purchase APR

13.99% - 22.99% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$0 

Chase Slate®

Editor's Rating

  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
Apply Now Credit Needed Good
X

Purchase Intro

APR: 0% Intro APR on purchases

Period: 15 months on purchases

Purchase APR

12.99%, 17.99%, or 22.99% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

15 months on balance transfers

Annual Fee

$0 

Chase Sapphire®

Editor's Rating

  • 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening -- that's $100 in travel rewards when you redeem through Chase Ultimate RewardsSM!
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on dining at restaurants and 1 point per dollar spent on all other purchases
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 

Chase Sapphire Preferred®

Editor's Rating

  • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

Introductory Annual Fee of $0 the first year, then $95. 

United MileagePlus® Explorer Card

Editor's Rating

  • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
  • Check your first bag for free -- save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 intro annual fee for the first year, then $95 

Ink Plus® Business Card

Editor's Rating

  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.24% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 Intro Annual Fee for the first year, then $95. 

Ink Cash® Business Card

Editor's Rating

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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.
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: 0% Intro APR on purchases

Period: for 12 months

Purchase APR

13.24% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

for 12 months

Annual Fee

No Annual Fee 

British Airways Visa Signature® Card

Editor's Rating

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening
  • Pay no foreign transaction fees when you travel abroad
  • In addition to the bonus Avios, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$95 

Southwest Airlines Rapid Rewards® Premier Credit Card

Editor's Rating

  • Get 25,000 points for 1 ROUNDTRIP FLIGHT after you spend $1,000 on purchases in the first 3 months of opening your account. Government fees as low as $12 not included.
  • Get 6,000 points after your Cardmember Anniversary.
  • Earn 2 points per $1 spent on Southwest Airlines® and AirTran® Airways purchases made directly with the airlines and on Rapid Rewards Hotel and Car Rental Partner purchases.
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$99 

Marriott Rewards® Premier Credit Card

Editor's Rating

  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
  • Receive 1 additional Free Night Stay at a Category 1-5 location every year after your account anniversary date!
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 Intro Annual Fee for the first year, then $85