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The Best Chase Credit Cards 2024

Chase offers an assortment of top-tier credit cards, excelling in categories ranging from travel rewards and cashback to business benefits.

Written by
Luke Daugherty
Last Update on Jan 10, 2024

Chase is one of the top credit card issuers on the market, and its credit card portfolio is broad enough to cover the needs of nearly any kind of borrower. Among Chase’s many popular cards, you’ll find great options for everyday rewards, 0% APRs, travel perks and more. 

Curious which Chase card (or two) may be a good fit for your wallet? We’ve picked the top eight options for a variety of benefits here. Read on to find your perfect fit.

Comparison Of The Best Chase Credit Cards

CardBest forAnnual feeAPRRewards rateRewards bonus
Chase Freedom Unlimited®Everyday spending$019.99%–28.74%, variable1.5% to 5% by categoryUp to $300
Chase Freedom Flex℠Bonus rewards$019.99%–28.74%, variable1% to 5% by category$200
Chase Sapphire Reserve®Premium benefits$55022.24%–29.24%, variable1X to 10X points by category60,000 points
Chase Freedom® Student Credit CardStudents$019.99%, variable1% cash back$50
Chase Sapphire Preferred® CardMid-tier travel rewards$9521.24%–28.24%, variable2X to 5X points by category60,000 points
Amazon Prime Rewards Visa Signature CardAmazon shoppers$0 (with Prime membership)19.24%–27.24%, variable1% to 5% by categoryAmazon gift card
Chase Slate Edge℠Balance transfers$019.99%–28.74%, variableN/AN/A
United Club℠ Infinite CardPremium airline benefits$52521.49%–28.49%, variable1X to 4X miles by category80,000 miles
Best Everyday Card

Chase Freedom Unlimited®

Solid everyday rewards rate with a few bonus categories
Earn up to $300 in bonus rewards your first year
No interest for 15 months on purchases and balance transfers
Credit Rating
Good to Excellent (700+)
Annual fee
$0
Rewards Rate
1.5% to 5%, depending on category
APR
19.99%–28.74%, variable
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The Chase Freedom Unlimited® card frequently makes the top of our lists for solid everyday rewards cards. With 1.5% back on most purchases, plus 3% on dining and drugstores and 5% on travel through Chase Ultimate Rewards, you can rack up points quickly with this spending stalwart.

Pros

  • Unlimited 1.5% cash back on most purchases
  • No annual fee
  • Generous welcome bonus

Cons

  • Welcome bonus takes some work and a full year to earn
  • Foreign transaction and balance transfer fees
  • Companion card needed to transfer rewards to travel partners
Additional Details
  • Earn up to $300 in the first year with an extra 1.5% cash back on the first $20,000 in purchases (no minimum spend required)
  • After bonus period, earn 5% on travel booked through Chase Ultimate Rewards, 3% on drugstores and restaurants, and unlimited 1.5% back on all other purchases
  • 0% intro APR on purchase and balance transfers for the first 15 months
  • No annual fee
Best for Bonus Rewards

Chase Freedom Flex℠

Rotating quarterly bonus categories help you take your rewards further
Bonus rewards rate on travel is in line with premium cards
No interest for 15 months on purchases and balance transfers
Credit Rating
Good to Excellent (700+)
Annual fee
$0
Rewards Rate
1% to 5%, depending on category
APR
19.99%–28.74%, variable
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The Chase Freedom Flex℠ card is one of the best options for savvy spenders who want to maximize their rewards. Activate rotating categories and book travel through Chase Ultimate Rewards, and you’ll earn a hefty rewards return with this card.

Pros

  • Activate 5% rewards on up to $1,500 in combined purchases in rotating quarterly categories
  • 5% travel rewards rate through Chase Ultimate Rewards rivals premium travel cards
  • No annual fee

Cons

  • Maximum travel rewards rate only through Chase Ultimate Rewards
  • Low everyday rewards earnings
  • Must track and activate bonus categories
Additional Details
  • $200 cash bonus when you spend $500 in the first three months
  • 5% cash-back categories require activation
  • 3% back on dining and drugstores, 1% on all other purchases
  • 0% APR on balance transfers and purchases for the first 15 months (balance transfer fee applies)
Best Premium Card

Chase Sapphire Reserve®

Extremely high reward potential for many travel purchases
60,000 bonus points equal $900 in travel when you book through Chase Ultimate Rewards
Other annual credits available to offset annual fee
Credit Rating
Excellent (750+)
Annual fee
$550
Rewards Rate
1X to 10X points, depending on category
APR
22.24%–29.24%, variable
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For frequent travelers, it’s tough to beat the premium perks of the Chase Sapphire Reserve® card. Especially with the option to boost point value by 50% through Chase Ultimate Rewards, this card will take you farther than most.

Pros

  • Boost point value by 50% when you redeem through Chase Ultimate Rewards
  • Earn $300 in bonus rewards every year for travel purchases
  • Up to 10X points for booking certain travel through Chase Ultimate Rewards

Cons

  • High annual fee
  • High variable purchase APR
  • Excellent credit recommended
Additional Details
  • 60,000 bonus points when you spend $4,000 in the first three months
  • $300 annual credit when you spend at least that much on travel every year
  • 5X points on flights, 10X points on hotels and rental cars booked through Chase Ultimate Rewards immediately after you spend your first $300 in travel annually
  • 3X points on other travel and dining, 1X points on all other purchases
  • Transfer points at one-to-one value to numerous airline and hotel loyalty programs
  • Includes Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption Insurance, Lost Luggage Insurance and more
  • Access to over 1,300 airport lounges and up to $100 credit for NEXUS, Global Entry or TSA PreCheck® application every four years
Best Chase Card for Students

Chase Freedom® Student Credit Card

Great card for building your credit history
Earn an annual bonus for keeping your account in good standing
Steady 1% rewards rate on all purchases
Credit Rating
Good to Excellent (700+)
Annual fee
$0
Rewards Rate
1% cash back
APR
19.99%, variable
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The Chase Freedom® Student Credit Card offers a great opportunity for students to build their credit and practice good borrowing habits while earning modest cash-back rewards. The $20 annual bonus for keeping your account in good standing is a nice incentive to stay on track.

Pros

  • Earn $50 welcome bonus with just one purchase in the first three months
  • Earn $20 every year for the first five years when you remain in good standing
  • May be eligible to increase your credit limit after five months of on-time payments

Cons

  • No bonus rewards categories
  • No intro 0% APR period
  • Low rewards rate
Additional Details
  • 1% cash back on all purchases
  • Free credit score
  • No annual fee
Best Mid-Tier Travel Rewards Card

Chase Sapphire Preferred® Card

Low annual fee for high rewards rate
Big rewards boosts when you spend and redeem through Chase
Premium travel and shopping protections
Credit Rating
Good to Excellent (700+)
Annual fee
$95
Rewards Rate
2X to 5X points, depending on category
APR
21.24%–28.24%, variable
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The Chase Sapphire Preferred® card may not have as many perks as its Reserve cousin, but it’s a great travel card to have in your wallet. With less stringent credit requirements and a much lower annual fee, many spenders will find this card’s rewards rate just fine for their travel needs.

Pros

  • High rewards rate for travel and dining
  • 25% point value boost when you redeem through Chase Ultimate Rewards
  • Generous welcome bonus

Cons

  • Annual fee
  • No intro 0% APR period
  • Only earn the best travel rewards rates through Chase Ultimate Rewards
Additional Details
  • 60,000 bonus points when you spend $4,000 in the first three months
  • 5X points on travel booked through Chase Ultimate Rewards, 3X on dining, 2X on all other travel
  • $50 annual Ultimate Rewards hotel credit
  • Get 25% more for your points when you redeem through Chase Ultimate Rewards
  • Includes Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption Insurance, Lost Luggage Insurance and more
  • Complimentary DashPass when activated by Dec. 31, 2024
Best for Amazon Shoppers

Amazon Prime Rewards Visa Signature Card

High rewards when shopping at Amazon and Whole Foods Market
No annual fee with Prime membership
Earn a free Amazon gift card for signing up
Credit Rating
Good to Excellent (700+)
Annual fee
$0 (with Prime membership)
Rewards Rate
1% to 5%, depending on category
APR
19.24%–27.24%, variable
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If you’re already an Amazon Prime member (or considering it), Chase’s Amazon Prime Rewards Visa Signature Card may be a solid addition to your wallet. There’s no annual fee for Prime members, and you can earn top rewards and redeem them directly through the online retail giant.

Pros

  • 5% rewards at Amazon and Whole Foods Market
  • Get Amazon gift card upon approval, no spending required
  • Use rewards to pay for purchases directly on Amazon

Cons

  • 5% back doesn’t apply to Amazon sites outside the U.S.
  • Low rewards rate outside Amazon
  • Prime membership required for best value
Additional Details
  • In addition to above rewards, earn 2% back for spending at gas stations, restaurants and drugstores, plus 1% back on all other purchases
  • No minimum balance required to redeem rewards
  • Complimentary Visa Signature Concierge service
  • No foreign transaction fees
Best Chase Card for Balance Transfers

Chase Slate Edge℠

One of the best available options for debt consolidation
No interest on purchases or balance transfers for 18 months
Lower your regular interest rate each year if you meet certain criteria
Credit Rating
Good to Excellent (700+)
Annual fee
$0
Rewards Rate
N/A
APR
19.99%–28.74%, variable
Show More Details

Not every borrower is looking for a rewards card. If debt consolidation or a major purchase is your primary goal, the Chase Slate Edge℠ is worth a look. Its generous 18-month, 0% intro APR will give you plenty of time to pay down those big purchases or balance transfers.

Pros

  • 18-month 0% intro APR
  • No annual fee
  • Earn an automatic, one-time review for a credit limit increase

Cons

  • No rewards or welcome bonus
  • High balance transfer fee
  • Foreign transaction fees
Additional Details
  • Get an automatic, one-time credit review for a limit increase when you spend $500 in your first six months and pay on time
  • You may be eligible to lower your interest rate 2% each year if you pay on time and spend at least $1,000 annually
Best Premium Airline Card

United Club℠ Infinite Card

Complimentary United Club membership
Top rewards on United purchases
Free baggage checks
Credit Rating
Excellent (750+)
Annual fee
$525
Rewards Rate
1X to 4X miles, depending on category
APR
21.49%–28.49%, variable
Show More Details

Regular United Travelers with strong credit should take a close look at the United Club℠ Infinite Card. With the built-in United Club membership and 4X points rate on United purchases, this card can help you make the most of your travels.

Pros

  • United Club membership is more than enough to offset the annual fee
  • Generous welcome bonus
  • Maximize rewards on United travel

Cons

  • Very high annual fee only worth it if you maximize benefits
  • No intro APR
  • High regular APR
Additional Details
  • 80,000 bonus miles plus 1,000 Premier qualifying points (PQP) when you spend $5,000 in the first three months
  • 4X miles on United purchases including tickets and various in-flight expenses
  • 2X miles on all other travel, dining and eligible delivery services
  • 1X miles on all other purchases
  • 500 PQP for every $12,000 you spend each year, up to 8,000 PQP total
  • Up to $100 toward TSA PreCheck®, Global Entry or NEXUS fees
  • Two free checked bags when you book with your card

Frequently Asked Questions (FAQs)

What Are The Benefits Of Having A Chase Credit Card?

Chase has one of the most robust, diverse credit card lineups of any lender. You can find a card with rewards benefits and perks to fit your lifestyle so you can earn cash back, miles, or other rewards, and many of Chase’s rewards programs transfer to a wide network of travel partners.

Which Chase Credit Card Has The Best Rewards Program?

That depends on what types of rewards you value most. A card like the Chase Freedom Unlimited® is great for everyday spending, earning you 1.5% cash back or more on most purchases. For more specific benefit categories, check out our list above.

Can I Apply For A Chase Credit Card Online?

Yes, you can apply for Chase cards online. Be sure you have all relevant information handy, such as your Social Security number, full legal name, address, gross annual income and housing costs.

How Do I Redeem Rewards On My Chase Credit Card?

You can redeem your rewards points through Chase’s online portal or mobile app. Depending on which card you have, you’ll be able to redeem for cash back, statement credit, gift cards or travel purchases through Chase Ultimate Rewards.

Are There Any Chase Credit Cards Without An Annual Fee?

Chase offers quite a few credit cards without annual fees. See our list above for several options.

How Do Chase Credit Cards Compare To Other Brands?

Chase is known for offering a wide range of rewards cards, as well as many co-branded cards that boost your points for using certain airlines and hotels. Very few lenders offer as many options, but it’s important to note that you typically need good or excellent credit to qualify for Chase cards.

Luke Daugherty is a freelance writer, editor, and former operations manager. He covers personal finance, operations, marketing, and sustainable business, as well as many of his personal passions. His work, bylined and ghostwritten, has appeared in The Balance, CNET, CIO Magazine, Entrepreneur, and more.