Best Chase Credit Cards • Compare Top Chase Credit Card of 2022
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 2022.
- 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®.
Ink Business Unlimited® Credit Card: Best Small Business Card
Unique Feature:
The Ink Business Unlimited provides adequate cash back for small enterprises for which more strong cash-back cards would be unprofitable due to yearly fees or higher credit standards. The Ink Company Limitless keeps things simple in terms of incentives, with unlimited 1.5 percent cash back on purchases and no complicated reward structure, but offers a variety of advantages that any small business owner may benefit from.
This credit card also comes with several useful features that aren’t often available on no-annual-fee cards, such as main automobile rental insurance when renting for a business, extended warranty, and purchase protection.
Who is it Best For:
The Ink Company Unlimited card is ideal for business owners who don’t want to pay a credit card annual fee and prefer a straightforward reward structure. Businesses seeking simplicity would like the card’s 1.5 percent cash back on all transactions, regardless of category, with no limitations and no annual fee.
The Chase Ink Business Unlimited® Credit Card is a great option for a company seeking a rewards card with a set rate that You can utilize in several ways. A card is also a good option for individuals who don’t want to pay an annual fee Ink Business Unlimited® Credit Card will provide good value to most firms.
Sign-up Bonus and Rewards:
- Get $750 extra cash-back after spending $7,500 on purchases in the first three months after creating your account.
- Use Chase Ultimate Rewards® to redeem points for cash back, gift cards, travel, and more.
- Earn points quicker and for free with employee cards.
- To get more control over your spending, set separate spending limitations. With the Chase Ink Business Unlimited card, earning rewards is simple.
- The Ink Business Unlimited offers a diverse range of rewards redemption choices.
- There is no minimum cash-back reward amount, and cardholders can redeem cash-back rewards for statement credits or direct deposits.
- You can use the cash-back points from the Chase Ultimate Rewards and Apple Ultimate Rewards program to complement or replace cash-back points for travel and purchases at Apple.
- A variety of suppliers provide cash-back points that you may use for gift cards.
Interest Rate and Recommended Credit:
With a 12-month promotional APR of 0% Intro APR on Purchases, the card’s normal rate of 13.24 percent – 19.24 percent Variable will apply. This is useful if your small business is anticipating several high costs that you’d like to spread over time without incurring high-interest rates.
What is the minimum credit score for Chase Ink Unlimited? To be eligible for the Ink Business Unlimited® Credit Card, you must have acceptable credit. In general, a credit score of at least 690 is considered “excellent credit.”
Annual Fee:
With the Ink Business Unlimited® Credit Card, you’ll never have to pay an annual fee, making it ideal for small businesses or start-ups looking to cut costs.
The Ink Business Unlimited® Credit Card, like so many other no-annual-fee cards, imposes a processing fee, so it’s not a smart choice for bills invoiced from abroad or international travel. For those transactions, you’re better off using one of our top credit cards with no international transaction fees.
Click Here to Know More About Ink Business Unlimited®.
Ink Business Cash® Credit Card: Best For Freelancers
Unique Feature:
For small-business owners that spend a lot in the card’s top bonus areas and want a card with no annual charges, the Ink Business Cash® Credit Card might be a good option. It also offers a significant sign-up bonus to new cards. The Ink Company Cash® Credit Card offers a variety of benefits and incentives that make it a terrific option for entrepreneurs and small business owners.
Although the Ink Business Cash® Credit Card is a capable cash-back rewards card, some business owners may find a better fit elsewhere, including among other Chase business credit cards. Business owners may earn big benefits by paying for costs with the Ink Business Cash® Credit Card, which has no annual charge. The card’s high earn rates in common business spending categories will help you get cash-back faster than many other small company credit cards.
Who is it Best For:
If your principal spending falls within the office supplies and utilities bonus categories, the Ink Business Cash Card is a great option. Nevertheless, if you spend a lot of money on travel, shipping, and advertising, the Ink Business Preferred Credit Card can be a good fit for you.
The Ink Business Cash Card might be a good match in your wallet if you’re a start-up business owner — or even if you do some contract or freelance work on the side. Suppose you’re searching for cash-back incentives or the opportunity to convert cash-back to transferable travel rewards. In that case, the Ink Business Cash Card is a smart choice because of its simplicity and possibility for higher redemptions.
Sign-up Bonus and Rewards:
- The sign-up bonus is large enough to cover numerous client lunches, and it is quite generous for a credit card.
- The 5% categories are useful and correspond to normal small-business spending.
- It’s especially beneficial for smaller spenders who won’t exceed the $25,000 rewards ceiling by the conclusion of the first quarter.
- Spending up to that limit earns you $1,250 a year.
- While double cash back on gas stations and restaurants (2 percent instead of 1%) isn’t groundbreaking these days, it’s a good deal if you don’t want to juggle other credit cards to get better returns.
- You may also transfer benefits earned with the Ink Business Preferred to a variety of Chase-affiliated airline or hotel loyalty programs.
- Especially if you transact to an airline program and reserve a business-class flight, this can greatly improve the value of your points.
- Those who already have other travel rewards cards may find that the Ink Business Cash Card offers additional earnings in categories where they don’t get bonus points now, such as office costs, restaurants, and gas.
- If you currently have a Chase Ultimate Rewards card, you may increase your earnings in these categories without paying an annual fee.
Interest Rate and Recommended Credit:
Chase Ink Business Cash provides 0 percent intro APR on 12-month purchases. After the time period is over, the interest rates are 13.24% – 19.24% Variable. However, the recommended score is 690-850 and that’s a reliable option.
Annual Fee:
This option is a solid choice for small businesses as you can make purchases at different office stores and the internet. Moreover, the service providers and cable options are beneficial and you can get it purchased through chase ultimate. It will not cost any annual fee.
Click Here to Know More About Ink Business Cash®.
Ink Business Preferred® Credit Card: Best Bonus Categories
Unique Feature:
The Chase Ink Business Preferred SM Credit Card is one of the best options for small companies to earn and redeem flexibility. This card earns points through the Chase Ultimate Rewards program, which offers an almost limitless number of prize opportunities.
Owning the Ink Business Preferred SM Credit Card might be one of the best financial decisions for your organization, whether you want to reduce your travel expenditures or just want pure cash-back. For a low annual fee, the Ink Business Preferred Card offers a generous introductory bonus as well as significant earning and perks opportunities. This card is difficult to beat if your small-business costs align with the card’s bonus areas and you enjoy redeeming Ultimate Rewards points for travel.
Who is it Best For:
The Ink Business Preferred® Credit Card is an ideal choice if you operate a small business and enjoy earning flexible rewards that can be used for travel and several other redemptions – especially if you don’t want to pay a hefty annual fee.
The Ink Business Preferred Card is ideal for businesses that spend a significant amount of money each year on travel, shipping, internet, cable, and phone services, as well as social media and search engine advertising. If your company costs don’t fall into these bonus areas, or if you just have a small amount of spending each year, you should apply for a business card with no annual charge.
Sign-up Bonus and Rewards:
Spend $15,000 on transactions in the first three months after creating your account to get 100k bonus points. When redeemed through Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Every account anniversary year, earn 3 Chase Ultimate Rewards® points for every $1 spent on qualified travel and business categories.
- 1 point for every $1 spent on everything else.
You may exchange your points for cash, gift cards, vacation, and other things or services that are suitable. Points are usually worth roughly a penny each, but when you redeem them for travel booked via Chase Ultimate Rewards®, they’re worth 1.25 cents each.
You may cash chase Ultimate Rewards in a variety of ways with the Ink Business Preferred card. Points never die as long as your account is active and there is no minimum redemption value.
All redemptions must be completed through the Chase Ultimate Rewards portal, which you may access by logging into your account and selecting “Ultimate Rewards” or calling a Chase representative.
Interest Rate and Recommended Credit:
The American Express Blue Business® Plus Credit Card offers a long period of no interest payments. On purchases, you’ll enjoy a 12-month initial 0% intro APR, followed by a continuing APR of 13.24 percent -19.24 percent Variable APR. On the first $50,000 in purchases made per year, this card gets 2 points every $1 spent, then 1 point per $1 spent after that. There is no yearly charge.
If you apply for the Ink Business Preferred with a decent to exceptional credit score, you’ll have the highest chance of getting approved (a FICO score of 670 or higher, or a score of 661 or higher)
Annual Fee:
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee and delivers 1.5 points for every $1 spent on all transactions (3 points for travel purchases made through the Bank of America® Travel Center). This card is an appropriate payment method for overseas purchases because it is a Mastercard with no foreign transaction fees.
Click Here to Know More About Ink Business Preferred®.
