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Best Chase Cards for Travel, Business, & Everyday Spending

Review Updated
Matt Koppenheffer
Author: Matt Koppenheffer
Matt Koppenheffer
Matt Koppenheffer

Matt is currently Head of the Coverage Team at The Motley Fool. He has been a full-time Motley Fool employee since 2012 and is a former advisor and analyst for multiple Motley Fool services. Matt's articles and analysis have been published around the world and his views have been cited in worldwide publications from the Financial Times and The New York Times to the Toronto Star and Germany's Focus Money. He has appeared to offer analysis on a variety of outlets including CNBC and NPR. Matt is the co-author of The Astonishing Collapse of MF Global as well as the creator and former co-host of The Motley Fool's Industry Focus podcast.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Chase is one of the top credit card issuers for a reason -- it offers some of the best rewards, longest 0% intro APR periods, and most valuable sign-up bonuses in the game. Whether you're after cash back, travel perks, or business rewards, there's a Chase card that can maximize your spending.

We've done the legwork to highlight the best Chase cards of 2025. And who knows? You might find more than one worth adding to your wallet. Let's dive in.

If you're short on time, here are two of our favorite Chase cards that are likely to fit your needs:

  • Best for cash back: Chase Freedom Unlimited® (see rates and fees)
    Get 1.5% cash back on every purchase, plus even higher rewards on travel, dining, and drugstores. No need to track bonus categories—just swipe, earn, and enjoy effortless cash back on all your spending. Plus, for a limited time, earn $250 when you spend $500 in the first 3 months!
  • Best for travel rewards: Chase Sapphire Preferred® Card (see rates and fees)
    Earn 2X-5X points on travel and dining, plus get 25% more value when you redeem through Chase Travel. Whether you're booking flights, hotels, or just dining out, your points go further—helping you travel more for less.
  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Best Chase credit cards

Best for cash back: Chase Freedom Unlimited®

Ratings Methodology
Limited time offer

Chase Freedom Unlimited®

Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Freedom Unlimited®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Rates & Fees External Link Icon

Limited-Time Offer
Earn a $250 bonus after you spend $500 on purchases in your first 3 months from account opening.
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

18.99% - 28.49% Variable

Rewards Circle with letter I in it. Enjoy 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 1.5% on all other purchases

1.5% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn $250 cash back

  • The Chase Freedom Unlimited® is the ideal all-in-one card, offering both big upfront value and long-term rewards. For a limited time, new cardholders can earn a $250 bonus after spending $500 in the first 3 months. Plus, enjoy unlimited 3% back on dining and drugstores, 5% on travel booked through Chase Travel, and 1.5% on all other purchases. With the added benefit of 0% intro APR for 15 months, this card is perfect for a one-card wallet. Read Full Review

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Limited bonus opportunities on everyday spending
    • Foreign transaction fee
    • Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase TravelSM, 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 1.5% 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 18.99% - 28.49%.
    • 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

Limited Time Offer: Earn a $250 bonus after spending just $500 in the first 3 months. That’s an easy 50% back on your spend.

Want a no-hassle cash back card? The Chase Freedom Unlimited® makes earning rewards effortless. Unlike rotating category cards, this one keeps things simple. Here's what you get:

  • 5% cash back on travel purchased through Chase Travel
  • 3% cash back on drugstores, restaurants, takeout, and eligible food delivery
  • 1.5% cash back on all other purchases

With a $0 annual fee and a 0% intro APR for 15 months on purchases and balance transfers, this card is perfect for those who want a reliable cash back card without the extra work. (The go-to 18.99% - 28.49% Variable APR applies at the end of the intro period.)

And if you have a Chase Sapphire Preferred or Chase Sapphire Reserve, you can convert your cash back into travel points -- making this an even stronger rewards strategy.

Best for travel rewards: Chase Sapphire Preferred® Card

Ratings Methodology
Award Icon 2025 Award Winner

Chase Sapphire Preferred® Card

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Preferred® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 27.49% Variable

Rewards Circle with letter I in it. Enjoy benefits 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.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • Bonus travel and dining rewards, along with an annual $50 hotel credit, make this card worth the (very reasonable) annual fee. Chase points are both valuable and easy to use, offering 25% more value for bookings through Chase Travel, which simplifies the experience compared to other travel cards. Not to mention it provides robust travel protections, including primary rental car insurance, trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits 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

If you're looking for a flexible travel card that earns big without the premium price tag, the Chase Sapphire Preferred® Card is a top pick. Here's what you'll get:

  • 5X points on travel purchased through Chase Travel℠
  • 3X points on dining, select streaming services, and online groceries
  • 2X points on all other travel
  • 1X points on other purchases

One of the biggest perks? Your points are 25% more valuable when redeemed through Chase Ultimate Rewards, stretching them further than most standard travel cards. And unlike some competitors, Chase Sapphire Preferred® Card includes primary rental car insurance and trip cancellation coverage -- huge wins for frequent travelers.

With a $95 annual fee, it's a sweet spot between affordability and top-tier rewards. If you want a travel card that earns big, redeems flexibly, and doesn't break the bank, this is one of the best in the game.

Best for premium travel perks: Chase Sapphire Reserve®

Ratings Methodology

Chase Sapphire Reserve®

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49% - 28.49% Variable

Rewards Circle with letter I in it. 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.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Annual Fee

$550

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost. Read Full Review

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • 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.
    • 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
    • Member FDIC

Frequent travelers that like the finer things in life should look at the Chase Sapphire Reserve® (see rates and fees). While the Amex Platinum Card dominates the luxury travel space with its lounge network and elite hotel perks, the Chase Sapphire Reserve® fights back with a more flexible rewards program and a massive 50% redemption boost when booking through Chase Ultimate Rewards®.

Here's what you'll earn:

  • 10x total points on hotels and car rentals through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
  • 5x total points on air travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
  • 3x points on other travel and dining
  • 1x points on all other purchases

This card also comes packed with premium perks, including a $300 annual travel credit, Priority Pass airport lounge access, and comprehensive travel insurance -- making it a top-tier choice for frequent flyers.

With a $550 annual fee, it's not for casual travelers. But if you maximize the benefits, the Chase Sapphire Reserve® can more than pay for itself, especially if you value flexibility over airline-specific perks.

Best for rotating categories: Chase Freedom Flex®

Ratings Methodology

Chase Freedom Flex®

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

18.99% - 28.49% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • 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 18.99%-28.49%.
    • 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

If you don't mind a little extra effort for big rewards, the Chase Freedom Flex® (see rates and fees) delivers some of the highest cash back rates available. Unlike Chase Freedom Unlimited®, which has a flat-rate structure, this card rewards you with bonus categories that change each quarter. Here's how it breaks down:

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining and drugstores
  • 1% cash back on all other purchases

Like the Chase Freedom Unlimited®, it comes with a $0 annual fee and a 0% intro APR for 15 months on purchases and balance transfers. (The go-to 18.99% - 28.49% Variable APR applies at the end of the intro period.)

If you're willing to activate and track bonus categories, this card can seriously boost your cash back earnings -- especially when paired with a Chase Sapphire Preferred or Chase Sapphire Reserve for even better travel rewards.

Best for business owners: Ink Business Preferred® Credit Card

Ratings Methodology
Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 26.24% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 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. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value. Read Full Review

    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • 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

For business owners looking to maximize rewards on everyday expenses, the Ink Business Preferred® Credit Card (see rates and fees) can be a game-changer. If you're already spending on things like travel, shipping, and advertising, this card turns those expenses into serious rewards.

  • 3X points per $1 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 point per $1 on all other purchases
  • Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®

The 90,000-point welcome offer (after spending $8,000 in the first 3 months) is one of the best business card bonuses out there -- worth up to 25% more in travel through Chase Ultimate Rewards.

The $95 annual fee is reasonable for the value, and if your business spends heavily in the bonus categories, this card can rack up rewards fast.

Best for Amazon shoppers: Prime Visa

Prime Visa
Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

Ratings Methodology

Prime Visa

Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

Prime Visa
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable

Rewards Circle with letter I in it. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $100 Amazon Gift Card

  • If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash back on Amazon, Whole Foods, and Amazon Fresh purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save. Read Full Review

    • Big Amazon and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Requires Prime membership
    • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
    • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
    • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • Earn unlimited 1% back on all other purchases
    • No annual credit card fee
    • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
    • Member FDIC

If you're constantly shopping at Amazon or Whole Foods, the Prime Visa (see rates and fees) is an easy win. Here's what you'll get:

  • 5% cash rewards at Amazon, AmazonFresh, and Whole Foods, and Chase Travel purchases with an eligible Prime membership
  • 2% cash rewards at restaurants, gas stations, local transit, and commuting (including rideshare)
  • 1% cash rewards on other purchases

And it doesn't stop there. You'll also get a $100 Amazon gift card just for getting approved, which is basically free shopping to get you started.

The best part? No annual fee (as long as you're an Amazon Prime member). Unlike other reward cards with hefty fees or complicated point systems, this one's straightforward. If Amazon is your go-to shopping destination, this card more than pays for itself with the rewards you'll earn on every purchase.

Best Chase travel partner card: The World of Hyatt Credit Card

Ratings Methodology

The World of Hyatt Credit Card

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The World of Hyatt Credit Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
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Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.49% Variable

Rewards Circle with letter I in it. Earn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member

Up to 9 points total per $1 spent at Hyatt

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Up to 60,000 Bonus Points

  • The annual fee is well justified for even occasional Hyatt hotel customers, given the card's big welcome offer, annual free night, and points program.

    • Big travel rewards sign-up bonus
    • Bonus Hyatt rewards
    • Free night award
    • Automatic elite status
    • Consumer and travel protections
    • Annual fee
    • Fewer properties than other hotel chains
    • Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
    • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
    • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
    • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
    • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
    • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
    • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
    • Member FDIC
The information related to The World of Hyatt Credit Card has been collected by Motley Fool Money and has not been reviewed or provided by the issuer.

Loyal to Hyatt? The World of Hyatt Credit Card makes your stays even more rewarding. Here's what you'll earn:

  • 4 points per $1 on qualified purchases at Hyatt hotels
  • 2 points per $1 on restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • One free night every year after your cardmember anniversary

The welcome bonus is also notable: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

With a $95 annual fee, this card easily pays for itself if you stay at Hyatt properties a few times a year. Plus, you'll get automatic Discoverist status, unlocking perks like late checkout and room upgrades.

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

Our highest-rated credit cards have:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

Our highest-rated credit cards have:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

How to choose between Chase's travel and cash back cards

Picking between a travel or cash back card comes down to how you'll actually use your rewards.

When travel cards make more sense

Go for a travel card if you spend at least $3,000 a year on travel and dining. Why? Because your points can be worth 25%-50% more when redeemed for travel. Plus, those big welcome bonuses can easily be worth $750 or more in travel.

The catch? You need to be willing to learn how to maximize points, including transfer partners and redemption strategies.

When cash back cards are the better choice

Cash back cards are simpler. You earn rewards and can redeem them whenever you want. No need to think about transfer partners or redemption values.

These cards are best if you:

  • Want rewards you can use immediately
  • Don't travel enough to justify a travel card
  • Prefer no annual fee

A real-world example

Let's say you spend $10,000 annually on your credit card. With a cash back card earning 1.5% back, you'd get $150 in rewards you can use immediately. With a travel card, those same purchases might earn points worth $187-$225 when redeemed for travel -- but you'd need to redeem them specifically for travel to get that higher value.

Can you have both types of cards?

Yes, and many people do. You might start with a cash back card and add a travel card later as your needs change. This lets you earn both types of rewards while building a relationship with Chase.

Understanding Chase's application requirements

Credit score expectations

Most Chase credit cards require good to excellent credit (670 or higher FICO® Score), though premium cards like the Chase Sapphire Reserve typically require a score of 740 or higher to qualify.

The 5/24 rule

Chase has a strict 5/24 rule, meaning if you've opened five or more credit cards from any issuer in the past 24 months, your application may be denied. This rule is one of the most important factors to consider before applying, as it can significantly impact your approval decision.

Income requirements

Each Chase card may have different income thresholds, so it's important to make sure your income aligns with the card's expectations. Higher-end cards, particularly those with larger rewards or benefits, may require a higher income level to be approved.

Improving your qualifications

To boost your qualifications before applying, focus on these strategies:

  • Keep credit utilization low: A ratio under 30% is ideal for improving your credit score and showcasing your ability to manage credit responsibly.
  • Pay down existing debt: Reducing your outstanding balances will improve your debt-to-income ratio, which can help make your application more appealing to Chase.

Strategies for maximizing Chase card benefits

Combine multiple Chase cards

One of the best ways to maximize your Chase card benefits is by using multiple cards across different spending categories. For example, you could use one card for travel-related expenses like flights and hotel stays, and another for dining or groceries.

By aligning your cards with your specific spending habits, you can ensure you're earning the most points in the categories that matter most to you. This strategy works especially well with cards that offer high rewards in certain areas, like the Chase Sapphire Preferred for travel or the Chase Freedom Flex for rotating categories.

Maximize Ultimate Rewards points

Chase's Ultimate Rewards program offers a lot of flexibility, but to get the most value, consider transferring your points to one of Chase's travel partners. This can significantly increase the value of your points when booking flights, hotels, or car rentals.

For example, transferring points to partners like United Airlines or Hyatt can give you access to higher-value redemption options compared to using points directly through the Chase portal. By doing this, you can stretch your points even further and unlock premium travel experiences for a fraction of the cost.

Use the Chase shopping portal

The Chase shopping portal is a great way to earn bonus points on everyday purchases. When you shop online, simply start your purchase through the portal and you'll earn extra points with participating retailers. Whether you're buying from Amazon, Best Buy, or other major stores, the points you accumulate can quickly add up.

Many of these bonus offers can be especially lucrative during seasonal promotions, so be sure to check the portal regularly to maximize your rewards on both routine and big-ticket items.

Take advantage of key card benefits

Chase cards come with a variety of benefits that can add significant value to your purchases, but they're often overlooked. For example, many cards include travel protections like trip cancellation insurance, lost luggage reimbursement, or emergency medical coverage.

Additionally, cardholders can benefit from purchase protection, which can cover theft or damage to new items purchased with the card. Extended warranties are another perk that can save you money on items like electronics. These card benefits are often underutilized but can be a valuable safety net, providing extra peace of mind and potential savings when making purchases.

FAQs

  • Yes, you can hold multiple Chase credit cards, but approvals are subject to Chase's 5/24 rule, which limits you to five new credit card accounts (from any issuer) in a 24-month period.

  • Chase Ultimate Rewards points can be redeemed for cash back, travel, gift cards, and more, with the highest value often coming from transferring points to travel partners like airlines and hotels or booking through the Chase travel portal.