Best Chase Credit Cards • Compare Top Chase Credit Card of 2023
Undoubtedly, Chase is among the most significant portfolios with high-grade credit cards in the market. But wait! Choosing the best chase credit cards is a daunting task.
Are you looking to pay off debts, earn different rewards, or simply pay different expenses, then Chase Credit Cards are the best for you.
Do you know the credit profile requires work and you have to improve the credit score before you apply? Therefore, you have to look for the right card.
Let’s take a detailed look at some of our top picks!
Table of Contents
Overview: Best Chase Credit Cards
Detailed Look: Best Chase Credit Cards
Chase Freedom Unlimited®: Best For Introductory Offers
Unique Feature:
Beginners and reward travelers alike use the Chase Freedom Unlimited credit card. This card makes earning points simple with no annual fee and no shifting bonus categories. The Chase Freedom Unlimited card has no annual fee and offers some of the finest payback rates in the industry.
If you opt to upgrade to an Ultimate Rewards earning card in the future, you can use this card to earn Ultimate Rewards rather than cash-back. You may transfer your points to Chase partners or another Chase Ultimate Rewards-earning travel credit card, for example, where you might get a bonus.
Who is it Best For:
Chase Freedom Unlimited is for consumers who desire a straightforward rewards program with good returns and exciting new bonus earning opportunities. This card should now be on your radar if you are searching for a top-of-wallet credit card that won’t need you to do any extra research to optimize its worth.
It’s especially worthwhile to think about if you have other Chase Ultimate Rewards cards because you can combine your points from all of them to get more value out of them. For example, when you redeem your points for travel through Chase, you’ll gain 25% greater value with the Chase Sapphire Preferred and Ink Business Preferred Credit Cards. Plus, with the Chase Sapphire Reserves, you’ll get a 50% bonus.
Sign-up Bonus and Rewards:
- There is no welcome bonus
- The card provides 200 dollars cashback on spending 500 dollars of the card in the first three months. The spending requirement is significantly less, with a minimum of $167 every month.
- Therefore, it is also suited for those with a low budget for reaching the reward needed.
The card reward is hard to be more straightforward on many spending. 1.5 percent cashback, earned if you spend that isn’t a part of the enhanced bonus rewards category that includes accessibility for earning 5 percent cash back on Chase’s travel and a 3 percent over drugstore and dining purchases.
Interest Rate and Recommended Credit:
Chase Freedom Unlimited® credit card offers a 0% APR for 15 months from account opening on different balance transfers and account openings. It has a variable interest rate of 14.99 %–23.74 %. It comes with a brilliant recommended score of 670-850.
Annual Fee:
The annual fee is $0 and you will need to pay a balance transfer fee that’s 5% of the total transfer amount. The annual fee of 0 is a big benefit, no doubt. There is a cash advance fee that’s also 5% of the entire transaction amount. The account will also cost you a foreign transaction fee of 3% in U.S. dollars.
Click Here to Know More About Chase Freedom Unlimited®.
Chase Sapphire Preferred® Card: Best Travel Card
Unique Feature:
The Chase Sapphire Preferred® Card is as near to heavenly as you’ll find if the travel gods set out to develop a flawless travel card. The card comes filled with rich rewards and other goodies for a relatively cheap annual fee of $95, making it a credible challenger in a sector saturated with cards costing hundreds of dollars more a year to acquire.
The Chase Sapphire Preferred Card is a very popular travel rewards credit card that offers 5 points per dollar spent on travel reserved via the Chase travel site and 3 points per dollar spent on dining, certain streaming services, and online grocery store shopping.
Who is it Best For:
The Chase Sapphire Preferred is suited for regular and infrequent travelers alike. It can help both seasoned point and mile collectors and those just getting started. It’s not a costly card with a $95 annual fee, so it’s a nice pick for novices. It is also beneficial for people looking for grocery store purchases.
With this card, you may earn Ultimate Rewards® points in various ways and strategically use them for travel, such as transferring those points to a range of loyalty programs, such as United Airlines or Hyatt. It also pairs well with several other Chase cards that earn Ultimate Rewards® points.
Sign-up Bonus and Rewards:
After you spend $4,000 on transactions in the first three months after activating your account, you’ll get 60,000 bonus points. When you redeem with Chase Ultimate Rewards®, you’ll get $750 toward travel. All travel purchased via Chase Ultimate Rewards® earns 5 points for every $1 spent. It offers travel purchased through chase ultimate to get benefits.
- For every $1 spent on eating, you’ll get 3 points (including eligible delivery services and takeout).
- Earn three points as rewards for every dollar spent on certain streaming services.
- For every $1 spent on groceries online, you’ll get 3 points (not including Target, Walmart, and Wholesale clubs).
- Earn 2 points as rewards for every $1 spent on non-Chase Ultimate Rewards® travel.
- 1 point for every $1 spent on non-essential goods.
- Earn points as rewards for every $1 spent on Lyft until March 2023.
- When redeemed for travel with Chase Ultimate Rewards®, each point is worth 1.25 cents.
Interest Rate and Recommended Credit:
You won’t get an introductory 0% APR on purchases or debt transfers, but that’s to anticipate with a travel-focused credit card. If you have a balance, the variable APR of 15.99 percent to 22.99 percent is somewhat lower than the average current credit card interest rate.
If you’re ready to move beyond cash-back or fixed-value rewards points bank cards, the Chase Sapphire Preferred is a great place to start. The minimum recommended credit score is 690-850 and is a decent to outstanding credit score.
Annual Fee:
The Sapphire Preferred has a low annual fee of $95 per year, which means you’ll pay $95 each year you have the card. This makes the card far more affordable than the Sapphire Reserve, a $550 annual fee, even though the Preferred card’s premium is easily recouping via standard rewards spending. You can pay the $95 cost by spending only $132 per month in your 3X categories, but if you travel frequently, you could spend just $80 per month in your 5X category to cover it.
Click Here to Know More About Chase Sapphire Preferred®.
