Cardholders can leverage their relationship with the bank for mortgages, auto loans, investment vehicles and more. Chase Online allows members to handle all their financial transactions in one secure location. Chase Mobile offers mobile access, including mobile deposits and payments — which makes being a Chase cardholder a convenient way to go.
Chase Ultimate Rewards lets you earn and redeem points for cash back, statement credits, gift cards or travel rewards. Also, you get extra points value when you redeem for travel through Chase Ultimate Rewards if you carry a card like the Chase Sapphire Preferred or Chase Sapphire Reserve.
Chase also lets you connect with several well-known travel loyalty programs. You can use the rewards portal to transfer points at a or better rate to JetBlue, Southwest, United, Marriott, Hyatt and more. Chase began offering the Pay Yourself Back feature in early , allowing cardholders to redeem their rewards on past purchases with better value typically boosted from 25 to 50 percent.
The feature is available with the Sapphire series and other select Chase cards until March 21, You can select a qualifying purchase made in the past 90 days, then redeem some or all of your points from the transaction and receive a statement credit. Some cards have more flexibility within the program, but as of now the following Chase cards offer Pay Yourself Back:.
Before you start comparing Chase cards, think about how you see yourself as a cardholder and a consumer. Chase credit cards that might match up with your interests and goals include:. The Chase Freedom Unlimited is a great choice for earning 1. Credit cards designed specifically for business use can do things that a personal credit card cannot.
A good or excellent credit score — is typically recommended. An application that triggers a hard credit inquiry, or hard pull, can temporarily lower your credit score. You can avoid a hard pull by looking for pre-approval offers that use a soft pull. Access your credit report and track your accounts according to the dates they were opened. This will help you plan ahead. This mainly has to do with the amount of times your credit score is pulled during application.
If you apply for two cards at the same time with the same issuer, your credit score will only be pulled once, which should help you in the process. How we chose our top Chase credit cards Bankrate's personal finance experts have evaluated the top Chase credit cards according to our 5-star rating system.
The list of criteria includes:. How the card's annual percentage rate APR compares with current averages as an indicator of cost and value. Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance, luxury benefits and financial management tools. Whether the card charges an annual fee and if so, how much the card's overall value and benefits might offset the fee.
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value. Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value.
Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate.
Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty.
Or, you can call Chase cardmember services at and ask them to activate your card. You can go to the Chase credit card pre-qualify page and enter some basic information including your name, address and the last four digits of your Social Security number. This will allow Chase to do a soft pull on your credit history to see what types of credit card offers you might be eligible for.
You can pay a Chase credit card bill by phone, by mail, online or in person at a Chase branch. To make a payment by phone, call Chase at Your digit Chase credit card number is imprinted on your card, either on the front or on the back depending on which card you have.
To find your number without your card, you can log into your Chase account and select the most recent credit card statement. Chase has a broad portfolio of cards ranging from ones that are good for those new to credit to luxury travel cards.
The best Chase card for you will depend on a mix of factors including your credit score, what your goals are with a new Chase card and your willingness to maximize any benefits that may be offered with a card. If you are a current Chase customer, you can also check your status online by logging into your account, clicking on the menu icon in the upper left corner, then scrolling down to Application Status for information.
After being approved for a new Chase credit card, it typically takes between 3 and 10 business days for your new physical card to arrive in the mail. Note that the day you are approved is the day your account is officially open, not the day you receive your card. You may also be subject to a one-time cash advance fee as well as any ATM fees associated with the transaction.
Typically, getting a cash advance on your credit card is an expensive way to access cash quickly. You may want to consider other options to access cash before turning to a cash advance.
Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. Follow her on Twitter at robinsaks. Select Region. United States. United Kingdom. All ratings are determined solely by our editorial team.
Robin Saks Frankel. Forbes Advisor Staff. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Read more. Find the Best Credit Card. Click Here To Apply Now. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Regular APR Why We Picked It. No annual fee. 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.
Up to 10X Reward Rate 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Read More. Welcome Bonus 50, points. Credit Score Excellent - Welcome Bonus 60, points. Earn high rewards on several areas of spending Transfer points to travel partners at rate Many travel and shopping protections. Take classes using a phone, tablet, or TV. No fitness equipment is required. Credit Score Excellent, Good - Welcome Bonus Earn , bonus points.
Credit Score Good, Excellent - Remarkable welcome bonus No foreign transaction fee Employee cards at no additional cost Rewards for common business expenses. Has annual fee Very high cash advance fee Very high balance transfer fee. No additional fee for employee cards High rewards rates in select bonus categories Generous welcome bonus. Unlimited 1. High foreign transaction fees Not a good card for balance transfers.
Click Here To Learn More. Up to 4 points 4 points per dollar spent at Hyatt hotels and 2 points per dollar spent at restaurants, on airline tickets purchased Read More. Welcome Bonus Up to 60, points. Annual free night certificate on cardmember anniversary Complimentary World of Hyatt Discoverist status High points redemption values Generous welcome bonus. Free night certificate every year valued at 35, points 15 Elite Night Credits per year Automatic Silver Elite status. Automatic Silver Elite Status each account anniversary year.
No Foreign Transaction Fees. Welcome Bonus , points. Earn 10 points per dollar spent on IHG hotels worldwide Annual night every year on account anniversary Fourth night free on point redemption stays Automatic Platinum Elite status. Poor earnings for everyday and non-category hotel purchases Low overall point value No worthwhile redemption options outside of IHG properties. Free reward night when you redeem points for any stay of 4 or more nights Anniversary Night Enjoy a reward night after each account anniversary year at IHG hotels worldwide.
Welcome Bonus Earn 75k miles. Robust set of travel perks and benefits Option to earn annual bonus miles and credits No foreign transaction fee Employee cards at no additional cost.
Earn 2X points on all other travel purchases, plus more. The Chase Sapphire Preferred card offers modest rewards earning potential, but makes up for it with high-value redemptions and other added benefits. The Sapphire Preferred is a great entry-level travel card for anyone looking to save on flights and hotels without paying a premium annual fee. Earn 3X points on other travel and dining. Read our full review of the Chase Sapphire Reserve card. The Reserve comes with great benefits, and frequent travelers who like to splurge will find plenty to indulge in, from travel rewards to credits and partner subscription offers.
Over time, that boost can add up to substantial savings on any trip. Chase Freedom Unlimited charges no annual fee. Chase Sapphire Reserve Good for: Big spenders.
This Chase Ink Business Cash charges no annual fee. While many issuers offer similarly compatible rewards structures across their cards, Chase takes its ecosystem to another level.
With the Ultimate Rewards program, you can combine cards in different categories and with varying benefits offerings to far out-earn your initial rewards value and maximize every dollar you spend. Make sure your credit is in good standing before attempting to open any new account with Chase, though.
The majority of cards on our list offer increased value in their access to one of the most valuable rewards currencies available: Chase Ultimate Rewards. Chase cards like the Freedom Unlimited, Freedom Flex, and Ink Business Cash are cash back cards, meaning each purchase you make in a qualifying category earns a certain percentage back.
But Chase allows cash back earned on these cards to be redeemed as Ultimate Rewards points. Other cards, like the Chase Sapphire Preferred Card and Chase Sapphire Reserve, have rewards structures based on points, rather than cash back. The monetary value of these points varies depending on your specific card the Sapphire cards carry redemption boosts and how you redeem non-cash redemption options are often more valuable. But generally, you can redeem points from any Ultimate Rewards-earning Chase card for cash back or statement credits at a rate of 1 cent per point.
See our Ultimate Rewards guide for a full breakdown of redemption values. Cardholders can customize Chase card combinations in several different way:. Chase cards that earn Ultimate Rewards points are easy to pair, creating a card strategy that can help you maximize nearly every purchase you make.
Instead of collecting points, miles, or cash back toward different rewards program currencies, it can be advantageous to earn Ultimate Rewards points on multiple Chase cards, which you can combine into one account and redeem together.
Two common methods are the Chase trifecta and Chase quartet, which you can customize to fit your spending and benefits preferences. Remember, applying for several cards from any issuer within a short time frame can have a negative effect on your credit score and cause lenders to view you as riskier than other cardholders.
Chase has an unconfirmed standard that might affect your approval chances for a new card account. Customers who open multiple card applications in a short period of time, regardless of issuer, will likely encounter difficulties.
There are a number of reasons your credit application for a new Chase card might be denied.
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