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How to Maximize Your Chase Travel Rewards for Free Flights and Hotels

If you’re a frequent traveler, then you know that travel rewards can make a big difference in your budget. One of the best ways to earn travel rewards is through credit card points, and Chase offers some of the best options out there. In this article, we’ll discuss how to maximize your Chase travel rewards for free flights and hotels.

Introduction to Chase Travel Rewards

Chase offers several credit cards that are ideal for travelers who want to earn points toward free flights and hotel stays. The most popular options are the Chase Sapphire Preferred Card and the Chase Sapphire Reserve Card. Both cards offer generous sign-up bonuses, as well as bonus points on travel-related purchases.

The key to maximizing your rewards is to use your card strategically. For example, if you’re planning a trip, make sure to book all of your flights and hotels using your Chase card. Additionally, use your card for everyday expenses like groceries and gas – every point counts.

Using Your Points for Flights

When it comes time to book your flights with points, there are a few things you should keep in mind. First, make sure you’re using the Chase Ultimate Rewards portal – this is where you’ll find the best deals on flights.

Next, be flexible with your travel dates if possible. This will give you more options when it comes to finding available flights at lower point values.

Finally, consider transferring your points to one of Chase’s airline partners like United or Southwest Airlines. This can sometimes lead to even better redemption rates than using the Ultimate Rewards portal.

Using Your Points for Hotels

Just like with flights, it’s important to use the Ultimate Rewards portal when booking hotels with points. This will give you access to exclusive deals and special rates.

When searching for hotels, be sure to filter by price range and amenities to find the best options for your needs. Additionally, keep an eye out for hotels that offer bonus points for booking with your Chase card – this can help you earn even more rewards.

Other Ways to Maximize Your Rewards

In addition to using your card strategically and redeeming your points for flights and hotels, there are a few other ways to maximize your Chase travel rewards. For example, consider taking advantage of the Chase Travel Portal’s “Experiences” section, which offers unique travel experiences like wine tastings and cooking classes.

You can also transfer your Ultimate Rewards points to other loyalty programs like Marriott Bonvoy or Hyatt. This can be a great option if you’re looking to book a luxury hotel stay.

In conclusion, by following these tips, you can maximize your Chase travel rewards and enjoy free flights and hotel stays. With a little bit of planning and strategy, you’ll be on your way to traveling the world without breaking the bank.

This text was generated using a large language model, and select text has been reviewed and moderated for purposes such as readability.

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Travel Credit Cards

Start your journey today by finding the best travel credit card for your future exploration needs. Compare travel rewards benefits and offers including dining perks and new cardmember bonuses for extra points or miles.

Chase Sapphire Preferred ® credit card . Links to product page.

Chase Sapphire Preferred ® credit card card reviews (7,829 cardmember reviews) Opens overlay

New cardmember offer.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards ® .

AT A GLANCE

Premium dining & travel rewards Earn 5x total points on travel purchased through Chase Ultimate Rewards ® , excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit. Earn 3x points on dining at restaurants including eligible delivery services, takeout and dining out. Earn 2x on other travel purchases.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

Chase Sapphire Reserve ® Credit Card . Links to product page.

Chase Sapphire Reserve ® Credit Card card reviews (4,642 cardmember reviews) Opens overlay

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards ® .

Exceptional travel rewards and benefits Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards ® after the first $300 is spent on travel purchases annually.

22.49 Min. of (8.50+13.99) and 29.99 %– 29.49 Min. of (8.50+20.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$550 annual fee † Opens pricing and terms in new window ; $75 for each authorized user † Opens pricing and terms in new window

Marriott Bonvoy Boundless ® credit card . Links to product page.

Marriott Bonvoy Boundless ® credit card card reviews Opens overlay

3 Free Night Awards Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 17X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

$95. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Plus Credit Card . Links to product page.

Southwest Rapid Rewards ® Plus Credit Card card reviews (2,559 cardmember reviews) Opens overlay

Earn 75,000 points after qualifying purchases.

3,000 anniversary points each year. Plus, earn 2X points on Southwest ® purchases and 1X points on all other purchases.

$69 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Priority Credit Card . Links to product page.

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Receive a $75 annual Southwest ® travel credit and 7,500 anniversary points each year. Plus, earn 3X points on Southwest purchases.

$149 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Premier Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Credit Card card reviews (3,823 cardmember reviews) Opens overlay

6,000 anniversary points each year. Plus, earn 3x points on Southwest ® purchases and 1X points on all other purchases.

$99 applied to first billing statement. † Opens pricing and terms in new window

United SM Explorer Card . Links to product page.

United SM Explorer Card card reviews Opens overlay

Earn 50,000 bonus miles after qualifying purchases.

Join Us with 2x miles on United purchases, dining, and hotel stays. Plus, enjoy a free first checked bag and other great United travel benefits. Terms apply.

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$0 intro annual fee for the first year, then $95. † Opens pricing and terms in new window

United Quest SM Card . Links to product page.

United Quest SM Card card reviews Opens overlay

Earn 60,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying purchases.

Pursue your quest SM . Enjoy a $125 annual United purchase credit, two 5,000-mile anniversary award credits and other premium travel benefits. Plus, earn 3x miles on United purchases and 2x miles on all other travel. Terms apply.

$250 † Opens pricing and terms in new window

United Gateway SM Credit Card . Links to product page.

United Gateway SM Credit Card card reviews Opens overlay

Earn 20,000 bonus miles after qualifying purchases.

Start your adventure with 2x miles on United purchases, at gas stations and on local transit and commuting. Plus, 25% back on United inflight and Club premium drink purchases, and no foreign transaction fees. † Opens pricing and terms in new window

0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After the intro period, a variable APR of 21.74 Min. of (8.50+13.24) and 29.99 %– 28.74 Min. of (8.50+20.24) and 29.99 %, † Opens pricing and terms in new window see pricing and terms for more details. † Opens pricing and terms in new window

$0 † Opens pricing and terms in new window

United Club SM Infinite Card . Links to product page.

United Club SM Infinite Card card reviews Opens overlay

Earn 80,000 bonus miles after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 4x miles on United purchases, and 2x miles on dining and all other travel. Terms apply.

$525 † Opens pricing and terms in new window

Aeroplan ® Card . Links to product page.

Aeroplan ® Card card reviews Opens overlay

Earn up to 100,000 points. Earn 75,000 points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 points after you spend $20,000 on purchases in the first 12 months.

Earn points fast with Aeroplan. 3X points at grocery stores, on dining including eligible delivery services and on purchases made directly with Air Canada. Plus, enjoy free first checked bag and other Aeroplan travel benefits.

Marriott Bonvoy Bountiful ™ credit card . Links to product page.

Marriott Bonvoy Bountiful ™ credit card card reviews Opens overlay

85,000 Bonus Points Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 18.5X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

Marriott Bonvoy Bold ® credit card . Links to product page.

Marriott Bonvoy Bold ® credit card card reviews Opens overlay

Earn 30,000 Bonus Points after you spend $1,000 on purchases in your first 3 months from your account opening.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

$0. † Opens pricing and terms in new window

IHG One Rewards Premier Credit Card . Links to product page.

IHG One Rewards Premier Credit Card card reviews Opens overlay

Earn 140,000 Bonus Points After you spend $3,000 on purchases in the first 3 months from account opening.

Earn IHG One Rewards points on every purchase. Up to 26X points total per $1 spent when you stay at IHG ® hotels and resorts.

$99 † Opens pricing and terms in new window

IHG One Rewards Traveler Credit Card . Links to product page.

IHG One Rewards Traveler Credit Card card reviews Opens overlay

Earn 80,000 Bonus Points After you spend $2,000 on purchases in the first 3 months from account opening.

Earn IHG One Rewards points on every purchase. Up to 17X points total per $1 spent when you stay at IHG ® hotels and resorts.

Disney ® Premier Visa ® Card . Links to product page.

Disney ® Premier Visa ® Card card reviews Opens overlay

Disney Card Designs

$400 $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.

Dream bigger with the Disney Premier Visa Card from Chase. Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% on select card purchases and 1% on all other card purchases. Redeem toward most anything Disney at most Disney U.S. locations and for a statement credit toward airline travel. Enjoy special Disney vacation financing and Disney shopping savings. Terms apply.

19.24 Min. of (8.50+10.74) and 29.99 %‐ 28.24 Min. of (8.50+19.74) and 29.99 % variable APR. † Opens pricing and terms in new window 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24 Min. of (8.50+10.74) and 29.99 %‐ 28.24 Min. of (8.50+19.74) and 29.99 %. † Opens pricing and terms in new window

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Disney ® Visa ® Card . Links to product page.

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$250 $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.

Reward yourself with the Disney Visa Card from Chase. Earn 1% in Disney Rewards Dollars on all card purchases. Redeem toward most anything Disney at most Disney locations in the U.S. Enjoy special Disney vacation financing and Disney shopping savings. Terms apply.

19.24 Min. of (8.50+10.74) and 29.99 %– 28.24 Min. of (8.50+19.74) and 29.99 % variable APR. † Opens pricing and terms in new window 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24 Min. of (8.50+10.74) and 29.99 %– 28.24 Min. of (8.50+19.74) and 29.99 %. † Opens pricing and terms in new window

World of Hyatt Credit Card . Links to product page.

World of Hyatt Credit Card card reviews Opens overlay

Earn up to 60,000 Bonus Points after qualifying purchases.

Turn your purchases into more free nights at Hyatt with 9X total points per $1 spent on Hyatt stays and experiences. Plus, get 1 free night and 5 tier qualifying night credits toward status each year.

British Airways Visa Signature ® card . Links to product page.

British Airways Visa Signature ® card card reviews Opens overlay

Earn 75,000 Bonus Avios Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

In addition to the bonus, cardmembers earn 3 Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases, and 2 Avios for every $1 spent on hotel accommodations. Earn 1 Avios for every $1 spent on all other purchases. Terms apply.

Aer Lingus Visa Signature ® card . Links to product page.

Aer Lingus Visa Signature ® card card reviews Opens overlay

In addition to the bonus, cardmembers earn 3 Avios for every $1 spent on Aer Lingus, British Airways, and Iberia flight purchases, and 2 Avios for every $1 spent on hotel accommodations. Earn 1 Avios for every $1 spent on all other purchases. Terms apply.

Iberia Visa Signature ® card . Links to product page.

Iberia Visa Signature ® card card reviews Opens overlay

In addition to the bonus, cardmembers earn 3 Avios for every $1 spent on Iberia, British Airways, and Aer Lingus flight purchases, and 2 Avios for every $1 spent on hotel accommodations. Earn 1 Avios for every $1 spent on all other purchases. Terms apply.

Ink Business Preferred ® Credit Card . Links to product page.

Ink Business Preferred ® Credit Card card reviews Opens overlay

100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards ® .

Reward your business with flexible and rich rewards. Earn 3X points on shipping and other select business categories.

21.24 Min. of (8.50+12.74) and 29.99 %– 26.24 Min. of (8.50+17.74) and 29.99 % variable APR. † Opens pricing and terms in new window

United SM Business Card . Links to product page.

United SM Business Card card reviews Opens overlay

Earn 75,000 bonus miles after qualifying purchases.

Earn 2x miles on United purchases, dining, at gas stations, office supply stores and on local transit and commuting. Plus, enjoy a free first checked bag and other great United travel benefits. Terms apply.

$0 intro annual fee for the first year, then $99 † Opens pricing and terms in new window

United Club SM Business Card . Links to product page.

United Club SM Business Card card reviews Opens overlay

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 2x miles on United purchases and 1.5x miles on all other purchases. Terms apply.

$450 † Opens pricing and terms in new window

Southwest Rapid Rewards ® Performance Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Performance Business Credit Card card reviews Opens overlay

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 4X points on Southwest ® purchases and 2X points on purchases for your business in select categories. Plus, 9,000 anniversary bonus points each year.

$199 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Premier Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Business Credit Card card reviews Opens overlay

Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 3X points on Southwest ® purchases, 2X points on local transit and commuting, and 1X points on all other purchases. Plus, 6,000 anniversary points each year.

IHG One Rewards Premier Business Credit Card . Links to product page.

IHG One Rewards Premier Business Credit Card card reviews Opens overlay

Earn 140,000 bonus points After you spend $3,000 on purchases in the first 3 months from account opening.

World of Hyatt Business Credit Card . Links to product page.

World of Hyatt Business Credit Card card reviews Opens overlay

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

Make the most of your small business spending with accelerated earning wherever you spend the most. Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.

$199 † Opens pricing and terms in new window

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What are travel rewards cards & why get one?

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Travel rewards credit cards can help you earn rewards and discounts that you can redeem toward travel. In some cases, they can even score you free nights at your favorite hotels or free tickets on airlines. From complimentary upgrades to first class seats, exclusive airport lounge access to free meals, these cards offer a bounty of benefits and rewards that can leverage your spending habits.

Here are some important things to know about travel credit cards, as well as the benefits that may matter most to you when reaching for your dream destinations.

What are the benefits of travel credit cards?

With general travel, airline or hotel credit cards , you can enjoy benefits designed to enhance your travel experience, such as miles, points that you can redeem toward flights or hotel room upgrades, and no foreign transaction fees. Types of travel rewards cards:

General travel cards

A general travel credit card will provide you flexibility in how you earn and redeem your reward points. With these travel cards, you'll have a chance to earn points through everyday purchases and earn even more points through travel and dining purchases. Some cards offer travel benefits that can make your trips more convenient, such as zero foreign transaction fees (which helps you save money on international purchases) and TSA pre-check global entry.

Airline credit cards

An airline credit card is a great option if you're loyal to a specific airline chain. When your reward points are tied to an airline's loyalty program, you have the opportunity to earn a generous amount of reward points that can quickly add up. You'll also have the chance to earn points or miles that you can redeem for plane tickets, and you might get to enjoy great perks like seat upgrades, early boarding, free checked bags, and more.

Hotel credit cards

Hotel credit cards may offer accelerated reward point accumulation when you use the card to book rooms with the respective hotel. You may also get access to convenient benefits offered exclusively to cardholders. These benefits might include complimentary breakfasts, hotel room upgrades, and access to special events.

How do travel rewards work?

With a travel credit card, you might earn reward points from both everyday purchases and travel-related expenses. Below are some common questions answered to help you understand what to expect from some of the reward programs and redemption options.

How do I earn points with a travel credit card?

You can earn reward points from purchases made at restaurants, grocery stores and gas stations, just as with regular credit cards. Travel credit cards can offer more lucrative reward points when making travel and dining purchases. The extra reward points you earn from either a general, hotel or airline credit card can accumulate quickly and can be used toward plane tickets, hotel rooms and more.

What about new cardmember bonus points?

Travel credit cards often offer new members bonuses to help you start earning points from purchases to redeem toward future travel. To unlock your bonus points, you'll typically have to spend a certain amount of money, say $4,000, within a specified number of months after signup. Since these bonus points can be substantial, you may be able to redeem the bonus points toward an airline ticket or free night at a hotel within just a few months, without changing your shopping habits.

Are there any travel credit card perks?

Travel credit cards can also offer a wide variety of complimentary perks that aim to enrich your travel experiences no matter your lifestyle or travel preferences. Travel perks may include:

• Complimentary drinks, snacks and meals
• No foreign transaction fees
• Free checked bags
• Hotel room upgrades 
• Reimbursement for canceled flights
• Lost baggage insurance
• Invitations to premium airport lounges
• Upgrades to first class

Do travel rewards cards have annual fees?

Some travel cards have annual fees. However, when you're considering those fees, you might also want to factor in all of the benefits that a card has to offer. These extras, such as free checked bags, priority boarding, and reimbursements on in-flight purchases, can add up to significant savings.

How to pick the best travel rewards card for you

When it comes to finding the credit card that works best for you, it's key to think about the rewards, perks, and benefits that make sense to your lifestyle and spending habits. General travel cards offer great flexibility when it comes to earning and redeeming points and you can leverage your rewards through a variety of airline and hotel chains. Airline and hotel credit cards offer loyalty programs through which your points can carry great value—plus you'll have the chance to enjoy discounts and experiences reserved exclusively for loyalty members. Whichever travel card you decide to go with, enjoy the great savings, convenience and comfort that comes with it.

Related Rewards & Benefits articles

How to redeem credit card points

Redeeming reward points may help you save money on expenses & travel, there may be various ways for you to redeem your points. What are your options?

What are credit card points & how do they work?

Points are incentives that can be accumulated through your credit card's cash back or rewards programs. Here are the different types and how they work.

Can I pay my credit card bill with reward points?

Reward points may help you travel the world or buy gift cards. But can you also pay your credit card bill with reward points?

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Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

The best Chase credit cards of November 2023

If you’re looking for great cash-back rates and valuable transferable reward points, consider our top picks for the best Chase credit cards . Chase offers a wide selection of credit cards for all customers, whether you’re looking for the easiest cash-back option or a premium travel card. Chase also makes it easy to combine rewards across multiple accounts, so holding more than one Chase card can allow you to maximize your earning strategy — especially if you’re interested in maximizing Chase Ultimate Rewards points.

With so many card options available, you’re sure to find a Chase card that fits your wallet — so check out the list below compiled by our team of travel experts. 

Why Trust Us?

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own.

Why you can trust The Points Guy

Since 2010, TPG has been dedicated to helping you make informed credit card and travel decisions. We know that credit card rewards can unlock travel that changes lives, and we strive every day to help our readers achieve their financial and travel goals.

In addition to credit cards expertise, we have a variety of industry experts on our editorial team to help every reader make the best travel decisions available. We believe every redemption matters, whether someone is using points and miles to take a dream trip or looking to save money on holiday travel.

As our team and library of resources has grown, so has our influence in the industry. Our TPG Awards are a badge of honor that winning banks, hotel groups and airlines all wear proudly. Our dedication to producing honest reviews and helpful content for our readers is what allows readers and companies alike to place their trust in us.

• No Annual Fee

Chase Sapphire Preferred® Card

• 5x 5x on travel purchased through Chase Ultimate Rewards®
• 3x 3x on dining.
• 2x 2x on all other travel purchases, plus more.

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else. 

• Annual $50 hotel statement credit when booked through Ultimate Rewards
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
• The card comes with a $95 annual fee
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
• Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.
• Member FDIC

Pros & Cons

More details, ink business preferred® credit card.

• 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
• Access to the Chase Ultimate Rewards portal for points redemption
• Reasonable $95 annual fee; bonus categories that are most relevant to business owners
• Primary car insurance; and perks including cellphone and purchase protection
• Extended warranty
• Trip cancellation/interruption insurance; trip delay reimbursement
• High spending needed to get 100,000-point sign-up bonus
• No travel perks
• Subject to Chase's 5/24 rule on card applications
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• 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 Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Ink Business Unlimited® Credit Card

• 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

The Ink Business Unlimited’ sign-up gives you a generous $900 cash back spending $6,000 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card .

• No annual fee
• Flat 1.5% cash back on all purchases
• Primary insurance for car rentals
• 0% introductory APR for the first 12 months on purchases (then a variable APR of 18.49% - 24.49% applies)
• Higher spend to receive sign-up bonus
• No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
• No travel protections
• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• 0% introductory APR for 12 months on purchases

Chase Freedom Unlimited®

• 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% cash back on all other purchases

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited . 

• At least 1.5% back on every purchase, with up to 3% back on select categories
• There is no annual fee
• Perfect for everyday, non-bonused spending
• Incredible value when paired with a premium Chase card
• There is a 3% foreign transaction fee so the card shouldn't be used abroad
• Limited card perks and benefits
• Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
• Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 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!
• 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, real-time alerts, and more.

Chase Sapphire Reserve®

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
• 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve .

• $300 Annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
• Access to Chase Ultimate Rewards hotel and airline travel partners
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Ultimate Rewards portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards
• Steep initial $550 annual fee
• May not make sense for people that don't travel frequently
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
• $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 Ultimate Rewards® 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 Ultimate Rewards®. 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Southwest Rapid Rewards® Priority Credit Card

• 3X Earn 3X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

While other airlines’ top credit cards have annual fees toppling over $500 per year, the Southwest Rapid Rewards Priority Card comes with just a $149 annual per year. If Southwest is your airline of choice, you’ll receive a number of perks every year: a $75 Southwest travel credit and 7,500 points on your cardmember anniversary. These benefits alone make up the annual fee for frequent Southwest flyers. For every $10,000 spent on this card, you’ll earn 1,500 Tier Qualifying Points, fast-tracking your way to A-List Status. Read our full review of the  Southwest Rapid Rewards Priority Card .

• $75 annual Southwest travel credit.
• 7,500 points on each cardmember anniversary.
• 20% inflight discount on food, drinks and WiFi.
• Ability to earn A-List status faster by spending on this card
• Travel and purchase protections through Chase.
• $149 annual fee.
• Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.

Chase Freedom Flex℠

• 5% 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% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 1% Unlimited 1% cash back on all other purchases.

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex .

• The generous sign-up bonus is impressive for a no annual fee card
• The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores
• Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card
• You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases
• This card charges foreign transaction fees so it's best to use it within the U.S.
• 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 Ultimate Rewards®, 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.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• 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.

Southwest Rapid Rewards® Plus Credit Card

• 2X Earn 2X points on Southwest® purchases.

The Southwest Plus credit card is a great starter card for those who are loyal to the carrier. Earn 75,000 bonus points after spending $3,000 on purchases within the first three months of account opening. Read our full review of the  Southwest Rapid Rewards Plus Credit Card .

• Earn 3,000 points each year after your cardmember anniversary.
• Secondary car rental insurance and collision damage waiver.
• Baggage delay insurance.
• Up to $3,000 in reimbursement for lost luggage.
• Roadside dispatch.
• Travel accident insurance via Visa Signature.
• Extended warranty and purchase protection.
• $69 annual fee.
• 3% foreign transaction fee
• Flight redemption limited to U.S., Caribbean and Central American destinations.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Ink Business Cash® Credit Card

• 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card . 

• The current sign-up bonus on this card is an impressive $900. TPG values it at $1,800, not including any points you may earn from the valuable bonus categories
• There is no annual fee which is perfect for small business owners
• You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year
• 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases

Southwest Rapid Rewards® Premier Credit Card

The Southwest Rapid Rewards Premier Credit Card is one of the best sub-$100 annual fee card in part to its generous sign-up bonus. Earn 75,000 bonus points after spending $3,000 on purchases in the first three months from account opening.  Since TPG values Southwest points at 1.4 cents each, the full bonus is worth $1,050. You’ll also receive 6,000 bonus points upon card renewal, among travel and purchase protections that make this card a solid pick for seldom Southwest flyers. Read our full review of the Southwest Rapid Rewards Premier Credit Card .

• 6,000 points on each cardmember anniversary.
• $99 annual fee.
• 6,000 anniversary points each year.
• 2 EarlyBird Check-In® each year.

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Comparing the best Chase credit cards

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Frequently asked questions

Which chase credit card is best.

There’s no single Chase credit card that’s best for everyone. Instead, it will depend on your spending habits and what rewards you are looking for. Luckily, Chase cards are easy to pair and maximize, so you can consider adding multiple cards to your wallet. 

How do you apply for a Chase credit card?

To apply for any Chase card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen instructions to complete (and submit) your application.

How many Chase credit cards can you have?

Chase doesn’t have an official limit on the number of Chase cards one person can have. In fact, many TPG staffers have had several Chase credit cards at the same time. However, Chase does limit the amount of total credit it will extend to you. And as a general rule of thumb , you can be approved for one personal card and one business card within 90 days — but even that’s not a hard-and-fast rule.

One thing to keep in mind is that there are also different application rules for specific Chase cards. You can only hold one Sapphire card at a time. You can only have a single personal Southwest credit card; however, you can hold both a Southwest business card and personal card, which is a great way to earn the Southwest Companion Pass.

For more details on Chase’s application rules, read our guide to credit card application restrictions .

That being said, having a score of at least 700 will give you the best chances of being approved for the top chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

Related: How to check your credit score for absolutely free

How do you cancel a Chase credit card?

To cancel a Chase credit card, you’ll need to call the number on the back of your card. A phone agent can help you complete the cancellation process. However, be sure to use (or transfer) all of your rewards first, since you may forfeit them after canceling (or shortly thereafter). Pay off any outstanding balances, and be sure to update your account with any merchants that automatically bill the card you’re closing.

Just note that canceling a credit card should not be taken lightly, as it can affect your credit score. You can check out our guide to help you determine if you should cancel a card. 

What credit score do you need to get a Chase credit card?

Chase does not publish an official score for approval, but our data suggests that a score of at least 670 will increase your chances of getting approved. In addition, rewards credit cards generally require a higher credit score for approval, typically 720-plus. 

What is the Chase 5/24 rule?

The Chase 5/24 rule is infamous in the credit card world. While Chase has never publicly published this policy, data has proven that it is generally a true rule. 

In short, Chase will not approve new applicants who have opened five or more personal credit cards within the last 24 months. This applies to all bank cards, not just Chase cards. You generally have to be under this number to be approved for a new Chase credit card. You can learn more about this rule with our full guide . 

More details on our best Chase credit cards

Chase sapphire preferred card.

Why we love it : The Chase Sapphire Preferred is one of the best travel rewards credit cards available. It offers comprehensive travel protection plus elevated rewards on travel and dining purchases while maintaining a reasonable $95 annual fee. 

Who should use it : New travel credit card users who are looking to earn transferable rewards without committing to a high annual fee would be a great fit for the Chase Sapphire Preferred. 

Why it’s in my wallet : “ The Chase Sapphire Preferred has been in my wallet for 5-plus years and is the go-to midlevel rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rates on dining and travel as well as streaming services makes it a good choice for a millenial like me. Finally, I like using this card when renting cars, as it provides primary rental car insurance and a little more peace of mind.” — Matt Moffitt , senior credit cards editor

Alternative card option(s) : Transferable points are often considered the golden currency in the travel reward world, but if you find that you prefer American Express travel partners, the American Express® Green Card offers a comparatively low annual fee while still allowing you to earn on travel, restaurants and more. 

Standout perk : The Chase Sapphire Preferred offers primary rental coverage, which means you do not have to use your personal car insurance first if your rental car is damaged, lost or stolen.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Ink Business Unlimited Credit Card

Why we love it : There is no easier cash-back business card than the Ink Business Unlimited, as you’ll earn 1.5% back on all purchases. In addition, it features an introductory annual percentage rate for 12 months and primary insurance on business-related car rentals — all for no annual fee. 

Who should use it : Small-business owners who want a simple business card will benefit from the Ink Business Unlimited’s flat reward rate.

Why it’s in my wallet : “ I have the Chase Ink Business trilogy — the Ink Business Cash, Ink Preferred and Ink Unlimited cards. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earning rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt, senior credit cards editor

Alternative card option(s) : If your business has more specialized purchases that align with the Ink Business Cash Credit Card , it can be a better fit, as the bonus categories have higher earning rates than the Ink Business Unlimited’s flat 1.5%. 

Standout perk : The card comes with primary car rental coverage, which offers protection when a business-related rental is lost, damaged or stolen — without needing to invoke your personal car insurance.

Chase Sapphire Reserve

Why we love it : The Chase Sapphire Reserve is a premium travel card with matching benefits. The card offers an elevated earning rate on many bonus categories, includes premium lounge access and features a $300 annual travel credit . For just about any traveler, the Chase Sapphire Reserve is a solid pick.

Who should use it : Frequent flyers will find the Chase Sapphire Reserve to be a great addition to their wallet, thanks to its travel perks and benefits. 

Why it’s in my wallet : “ The Chase Sapphire Reserve is a no-brainer for me. My top two spending categories are travel and dining, and this card lets me earn 3 points per dollar in both of these categories. Then, I can transfer these points to one of Chase’s 14 travel partners or redeem them for a generous 1.5 cents apiece through the Chase travel portal or Pay Yourself Back program. The card has a high annual fee, but I don’t mind paying it thanks to perks like a $300 travel credit, Priority Pass lounge access and impressive travel protections.” — Benji Stawski , senior reporter

Alternative card option(s) : If you’re looking for a more luxury-focused travel card, consider The Platinum Card® from American Express instead. The Amex Platinum comes with more benefits, travel credits and lounge access — as well as a higher annual fee of $695 (see rates and fees ). 

Standout perk : The Chase Sapphire Reserve’s annual travel credit is as flexible as it gets, as it’s automatically applied to the first $300 you spend in a year on just about every type of travel purchase imaginable. This effectively brings the annual fee down to $250, making the card’s premium benefits well worth the annual fee. 

Ink Business Cash Credit Card

Why we love it : The Ink Business Cash offers a great introductory offer, no annual fee and multiple elevated reward rates. In addition, you can increase the value of your rewards by transferring rewards to an eligible Chase card that earns Ultimate Rewards points. 

Who should use it : New business owners who are looking to separate their business and personal expenses while earning rewards on a card with no annual fee should consider the Ink Business Cash card. 

Why it should be in your wallet: The Ink Business Cash card offers elevated cash-back rates on regular business categories and a solid sign-up offer, all with no annual fee. When combined with a higher-end Ultimate Rewards card, the Ink Business Cash is a no-brainer for any small-business owner looking to maximize their rewards earning. 

Alternative card option(s) : If you’re looking for a no-annual-fee business card but have varied spending habits, consider the Ink Business Unlimited Credit Card . That card earns an unlimited 1.5% cash back on all spending and features a similar introductory bonus. 

Standout perk : The card earns 5% cash back on several business categories, on up to $25,000 in combined spending each year, which is a high rate of return for any small business. 

Southwest Rapid Rewards Plus Credit Card 

Why we love it: The Southwest Rapid Rewards Plus credit card is a great starter card for Southwest travelers thanks to its low annual fee. In addition to earning bonus points on Southwest purchases, the card comes with two EarlyBird check-ins annually and bonus points for each account anniversary.

Who should use it: If you’re a casual Southwest flyer (at least once a year), you’ll likely benefit from the perks on the Southwest Rapid Rewards Plus card. 

Why it should be in your wallet: For beginner travelers who occasionally fly Southwest, adding the Southwest Plus card can be a great way to expand your travel card collection. 

Alternative card option(s): If you’re looking for more benefits from your Southwest credit card, consider the Southwest Rapid Rewards Premier Credit Card which features a higher annual bonus upon card renewal and additional benefits when flying the carrier.  

Standout perk: The card comes with 2 EarlyBird Check-ins per year. 

Chase Freedom Unlimited

Why we love it : The Chase Freedom Unlimited makes cash-back earning easy by awarding at least 1.5% cash back on all purchases. Travel and dining purchases earn at an elevated rate, and when you pair the Freedom Unlimited with an eligible card, you can convert these cash-back earnings into fully transferable Ultimate Rewards points. 

Who should use it : Chase Sapphire cardholders who are looking to fill in the gaps of their spending should consider the Chase Freedom Unlimited card. 

Why it’s in my wallet : “ The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Chase Sapphire Preferred or Chase Sapphire Reserve. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” — Nick Ewen , director of content

Alternative card option(s) : If you find that your spending patterns match up with the rotating cash-back categories of the Chase Freedom Flex , consider adding that card to your wallet. Both cards earn the same elevated reward rate on travel and dining, but the Freedom Flex has an additional 5% back on rotating categories after activation each quarter (on up to $1,500 in combined spending). 

Standout perk : It’s hard to overstate the potential value you can get from pairing the Freedom Unlimited with a higher-end Chase card. Based on TPG’s valuations , you can double the value of your rewards by leveraging this strategy. 

Chase Freedom Flex

Why we love it : The Chase Freedom Flex makes cash-back earning easier than ever. You can earn elevated cash back on dining and travel, but every quarter, the Freedom Flex also earns 5% back on up to $1,500 in combined purchases at a rotating selection of merchants (after activation). 

Who should use it : The Chase Freedom Flex is a great addition to any beginner’s wallet since it has no annual fee and offers a large spectrum of elevated cash-back categories.  

Why it’s in my wallet : “ I love when a cash-back card is more than a cash-back card, and that’s definitely the case with the Chase Freedom Flex. I can effectively convert the cash-back rewards on this card into fully transferable Ultimate Rewards points, since I also have the Chase Sapphire Reserve — opening up fantastic redemptions like luxury World of Hyatt properties and top-notch premium airplane cabins.” — Nick Ewen , director of content 

Alternative card option(s) : If you know your spending habits do not align with the quarterly bonus categories offered by the Chase Freedom Flex, consider the Chase Freedom Unlimited instead. You will still earn the same elevated rate on travel and dining but you get 1.5% cash back on all other purchases instead of 1%. 

Standout perk : The Chase Freedom Flex earns an elevated 5% cash back on a different category each quarter, allowing cardholders to get more out of their spending. 

Southwest Rapid Rewards Premier Credit Card 

Why we love it: The Southwest Premier card offers some impressive perks for its mid-tier price point of $99. The card comes with great Southwest perks like 6,000 annual bonus points upon renewal and the ability to earn Tier Qualifying Points (TQPs) toward A-List status with spending.

Who should use it: If you want to earn bonus points on a variety of purchases in addition to Southwest flights, the Premier card could be a good option.

Why it should be in your wallet: Southwest flyers looking to earn status or even work toward a Companion Pass can appreciate the boosts given by the Southwest Premier card. 

Alternative card option(s): If you are a loyal Southwest fan and hope to get even more value from your card, consider the Southwest Rapid Rewards Priority Credit Card , Southwest’s most premium consumer product, which features more perks and benefits. 

Standout perk: The card comes with 1,500 TQPs toward A-List status for every $10,000 in spending per calendar year. 

Southwest Rapid Rewards Priority Credit Card 

Why we love it: The Southwest Priority card is a great card for Southwest loyalists who can maximize the card’s perks and benefits. Some notable features include an annual bonus of 7,500 Rapid Rewards points (valued at $113, according to TPG’s valuations ), a $75 annual Southwest travel credit and four upgraded boardings per year. 

Who should use it: Southwest loyalists can easily justify the Priority’s annual fee with the anniversary point bonus, travel credit and other perks. 

Why it should be in your wallet: Any Southwest loyalist should add the Priority card to their travel wallet, as the perks and benefits easily pay for the annual fee every year. 

Alternative card option(s): If you still want a Southwest card but find that you don’t need all of the perks on the Priority, consider the Southwest Rapid Rewards Premier Credit Card , which offers similar perks with a lower fee. 

Standout perk: The card comes with a $75 annual Southwest travel credit. 

What is Chase?

Chase, also known as JPMorgan Chase Bank, is a large American national bank. It offers a large variety of banking and investment products for both consumers and small businesses — including a wide range of credit cards. 

Types of Chase credit cards

Chase offers a large selection of credit card products. Some notable types are defined below: 

Travel credit cards

Travel credit cards are typically tailored to travelers, offering more rewards on travel purchases and providing additional protection and value-added perks. For example, the Chase Sapphire Reserve offers an annual $300 travel credit, which can help lower the out-of-pocket cost of your trips. In addition, it offers extensive travel protection when things go wrong, along with lounge access — both perks that can make your next trip a simpler process. 

Cash-back credit cards

Cash-back credit cards earn a percentage of cash back on each purchase you make. Some — like the Ink Business Unlimited — offer a simple, flat cash-back rate on all purchases. This could be a great fit for someone who is looking for a straightforward earning structure without needing to worry about maximizing bonus categories.

Other cards — like the Chase Freedom Flex — feature bonus categories which help those who have more tailored spending habits get the most return on their spending.

But the best part about Chase is that you can effectively convert your cash-back rewards into fully transferable (and more flexible) Ultimate Rewards points, simply by having a higher-end Chase card.

Starter credit cards

A “starter” credit card typically refers to a simple product that’s relatively easy to get. Generally these don’t impose an annual fee, and they offer basic cash back so as not to overwhelm a new entrant into the world of credit cards.

One such card would be the Chase Freedom Unlimited, as it earns an unlimited 1.5% back on all purchases plus an elevated rate on travel and dining, two big expense categories for many people. With no annual fee, even the newest credit card user can find many benefits with the Freedom Unlimited. 

Business credit cards

Business credit cards typically offer business-focused perks and elevated earning rates on business spending. These cards are a great way to keep your business expenses separated from your personal expenses and earn on what you are already spending. Chase offers multiple business products under the Ink family of credit cards .

Business owners will have to look over their spending and see which card will help them earn the most on their current expenses.

Cobranded credit cards

Finally, cobranded credit cards are issued by a bank in partnership with another organization. The cards typically feature brand-specific rewards and benefits, most frequently with travel companies. For example, Chase issues cobranded cards with United Airlines, Southwest Airlines and the World of Hyatt loyalty program.

However, it can also partner with a lifestyle brand — as it’s done with the Instacart Mastercard and DoorDash Rewards Mastercard .

How to choose a Chase credit card

Choosing a Chase credit card can be overwhelming, but start by thinking about the type of rewards you want. Are you interested in cash back or travel points? Do you have a loyalty to a specific travel company, or are you more flexible when it comes to taking trips?

Then, evaluate your purchasing habits and see where you typically spend your money on a monthly basis. Many Chase cards offer bonus rewards on select categories, so it’s important to pick a product that fits your unique situation.

Finally, think through the benefits and perks that matter the most to you. Do you care about airport lounge access? What about travel and shopping protections? And are you willing to pay an annual fee? Generally speaking, cards with higher annual fees include more perks — but it’s critical to think through whether you’d actually use these benefits. Otherwise, you’re paying for a higher-end card for no reason.

Chase credit card benefits

Chase credit cards come with many benefits and perks. Some notable benefits are highlighted below.

Chase Ultimate Rewards earning

Many Chase cards fit into the Ultimate Rewards ecosystem . However, only three that are available to new applicants earn Ultimate Rewards points: the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred. These Ultimate Rewards points can be transferred to a number of airline and hotel partners but can also be used to book travel directly, making them incredibly valuable when it comes to redemption.

Luckily, if you have one of these products, you can combine your cash-back rewards with your Ultimate Rewards points in a single account — allowing you to maximize your earning. 

Generous welcome bonuses

Chase is known for some of the best welcome bonuses in the card industry. You can see the current welcome bonus on the card tiles above — and you can refer to our guide with historical offers to see how the current ones measure up. 

Travel and shopping protections

Travel and shopping protections can be some of the most underrated perks offered by credit card companies. You hope you won’t need to use them, but they can save the day when things go wrong.

One of Chase’s most notable benefits is primary rental car coverage, available on many popular products like the Sapphire Preferred and Sapphire Reserve. When you charge a rental car to an eligible card, you’re covered for theft, loss or damage to the vehicle, without needing to invoke your personal insurance. 

Related: Best credit cards with travel insurance  

Pairability

One of the most notable features of Chase cards is their pairability, thus maximizing the reward potential for your wallet. It is worth considering adding multiple Chase cards to your wallet to get the best return on your spending.

There are multiple strategies for pairing Chase cards, but one of the most popular is commonly known as the Chase Trifecta — the Sapphire Reserve, Ink Business Preferred and Freedom Unlimited. However, the best combination of cards should be tailored to your spending and specific reward needs.

That being said, you’ll almost certainly want to feature the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred in your strategy to ensure you’re earning fully transferable Ultimate Rewards points. Then, select the cash-back Chase cards that best match your spending habits.

Related: How (and why) to combine your Chase Ultimate Rewards points into a single account

How to maximize Chase Ultimate Rewards

Chase Ultimate Rewards points are among the most valuable transferable rewards currencies out there. TPG values Ultimate Rewards points at 2 cents each, but you have the potential to redeem them at a higher rate for the right travel redemption. 

In many cases, the best way to use your Chase Ultimate Rewards points is by transferring them to Chase’s travel partners . Popular programs that can unlock luxury travel experiences include World of Hyatt, Air Canada Aeroplan and United MileagePlus. However, if you don’t want to mess with another loyalty program, using your Ultimate Rewards points directly with Chase Travel can still offer a solid value .

For an in-depth look at how to maximize your Chase Ultimate Rewards points, check out our complete guide . 

Methodology

Choosing the best credit card for our readers is something that TPG takes pride in. We consider multiple factors when determining which Chase cards should be on this list, including: 

Welcome bonus : Welcome bonuses help increase a card’s value in the first year, since most people will not be able to earn the equivalent in credit card spending alone. New cardholders should always seek to receive the welcome bonus when opening a new credit card.

Annual fee : Not everyone wants to pay an annual fee, and some people would be better off avoiding them entirely. However, for the right traveler, an annual fee can unlock some terrific perks. We have selected cards both with and without annual fees to be on this list because we know that not every Chase card is a good fit for every reader.

Reward rates : Reward rates are an incredibly personalized factor, since everyone’s spending has great variability. We have highlighted cards that are great for those who have varied spending and for those who would benefit from more specialized earning.

Added perks : Many top credit cards offer value-added perks for cardholders, including statement credits, elite status, free checked bags and travel protections. Some are simple to use, whereas others can be complicated, but these benefits can go a long way toward covering a card’s annual fee (and then some).

While we aim to make the process simpler, only you can determine the best Chase credit card(s) for your wallet.

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Best Chase Travel Credit Cards

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Are you a traveler looking for the best Chase credit card offer? Chase has a variety of different credit cards that are great for travel, including many co-branded options. However, there are just two consumer cards that earn Chase Ultimate Rewards®, a transferable point currency you can use to purchase travel, gift cards or get cash back.

Let’s take a look at the Chase Sapphire Reserve® Card and the Chase Sapphire Preferred® Card , including each card’s welcome offers, unique benefits and annual fees.

Chase Sapphire Reserve® Card vs. Chase Sapphire Preferred® Card

As you can see, the earning rate and benefits that these cards offer vary significantly. Let’s compare in detail the similarities and differences between these two cards.

Comparing the two Chase Sapphire credit cards

Welcome bonus.

The Chase Sapphire Reserve® card is currently featuring the following welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

The Chase Sapphire Preferred® Card , meanwhile, offers the following: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Currently, the two cards have the same welcome bonus. However, Chase periodically offers even higher welcome bonuses — keep an eye out for these, as they’re typically valid for a limited time only.

» Learn more: Is it worth keeping the Chase Sapphire Reserve?

The difference in annual fee between these two cards is significant. As Chase’s most expensive card, you’ll pay $550 per year for the Chase Sapphire Reserve® .

You will, however, receive a $300 travel credit each year on a wide variety of travel purchases. This drops your net out of pocket cost to $250.

The Chase Sapphire Preferred® Card is much less expensive; you’ll pay just $95 in annual fees for the card. It also comes with a $50 annual hotel credit if you book through the Chase travel portal, making your net cost just $45.

Redeeming Chase points

Both of these cards earn Chase Ultimate Rewards® that can be redeemed in a variety of ways. If you’re looking to transfer your points to one of Chase’s hotel or airline partners, you’ll always receive a 1:1 transfer ratio. This means that one Chase point becomes one hotel or airline point.

However, the value of your Chase point changes when you choose to redeem them for travel within the portal.

If you hold the Chase Sapphire Reserve® card, your points are worth 50% more, at 1.5 cents each. However, those with the Chase Sapphire Preferred® Card will only be able to redeem their points for a value of 1.25 cents each, or 25% more.

Perks that are the same

No foreign transaction fees..

Neither of these cards will charge you for using them overseas.

Travel insurance.

Both of these cards offer several different kinds of travel insurance, including primary rental car insurance.

Benefits unique to the Chase Sapphire Reserve® Card

If you’re looking for a high-end travel credit card, the Chase Sapphire Reserve® comes with plenty of perks to improve your travel experience.

$300 travel credit

One of the most generous travel credits offered by high-end cards, this comes in the form of a statement credit. In order to redeem it, you’ll simply need to charge eligible travel purchases to your card; you’ll then be reimbursed up to $300.

» Learn more: How does the Chase Sapphire Reserve travel credit work?

Priority Pass Select membership

Priority Pass is a collection of more than 1,300 airport experiences, including lounges, restaurants and even massages. Those who hold the Chase Sapphire Reserve® can take advantage of a membership that also provides access for two guests.

Luxury Hotel & Resort Collection

The Luxury Hotel & Resort Collection offers cardholders elite-like benefits at a variety of high-end hotels. Perks you can expect include late check out, property credits and room upgrades.

Global Entry/TSA PreCheck/Nexus credit

Like many credit cards, the Chase Sapphire Reserve® comes with a credit towards Global Entry or TSA PreCheck membership. In this case, you could also opt to use the credit for Nexus application fees, which can help speed your crossings to and from Canada.

Lyft Pink membership

Chase Sapphire Reserve® cardholders receive a free two year membership to Lyft Pink All Access. Perks of the membership include 10% of Lux rides, cancellation fee forgiveness, free Grubhub+, free unlimited 45-minute classic bike rides, free unlimited electric bike and scooter unlocks as well as discounted rates, and much more.

Benefits unique to the Chase Sapphire Preferred® Card

$50 annual hotel credit.

The Chase Sapphire Preferred® Card comes with just one perk that is wholly unique: a $50 annual hotel credit . This benefit applies to accommodations booked through the Chase travel portal.

Bonus points in select categories

The Chase Sapphire Preferred® Card earns 3 points per $1 on online grocery purchases and select streaming services. So if you're spending a lot in these categories, this is a good card to have.

10% anniversary point bonus

On each account anniversary, you will earn a 10% point bonus on all your spending in the prior year. So if you've spent $50,000 on the card, you'll receive a 5,000 point bonus.

» Learn more: The best Chase Sapphire Preferred benefits

What are Chase’s hotel and airline transfer partners?

Chase has a total of 14 hotel and airline partners to which you can transfer points:

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

All of these partners transfer points at a 1:1 ratio.

» Learn more: Chase Sapphire Preferred versus Sapphire Reserve

Final thoughts on the best Chase travel credit card offer

Although Chase offers a variety of credit cards, just two consumer cards earn Chase Ultimate Rewards® points. One of these options, the Chase Sapphire Reserve® , charges a high annual fee in exchange for top-tier benefits like airport lounge access, an annual travel credit and access to the Luxury Hotel & Resort Collection.

The other, the Chase Sapphire Preferred® Card , comes at a more modest cost with equally modest benefits. While your earnings will still be strong, there is just one additional perk available to cardholders: a $50 annual hotel credit.

While both cards are excellent options for those looking to earn Chase Ultimate Rewards®, the card that’s right for you will depend on your own personal travel needs.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1.5%-5% Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.

Matched Cash Back Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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How to use the chase ultimate rewards travel portal, you can use chase points to book flights, hotels, car rentals and more through its travel portal..

With the right amount of planning, it's possible to book your entire vacation, including flights, hotels, cruises, car rentals, tours and other activities, entirely on points through the Chase travel portal.

But are you getting the best deal by doing this instead of transferring Chase Ultimate Rewards® (UR) points to travel partners and booking directly? It turns out there's a lot more to consider — everything from travel date flexibility and brand variety to the credit card you're using — if you want to get more value for your points by booking through the Chase travel portal.

Below, Select breaks down the best ways to book flights, hotels, cruises, tours and vacation activities through the Chase travel portal with Ultimate Rewards® points.

Earning and redeeming Chase Ultimate Rewards points

To access the Chase travel portal, you'll need to have a credit card that earns Chase Ultimate Rewards points, like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , Ink Business Preferred® Credit Card , Ink Business Unlimited® Credit Card , Ink Business Cash® Credit Card , Chase Freedom Unlimited® or Chase Freedom Flex℠ .

The easiest way to earn Chase Ultimate Rewards points quickly is by taking advantage of the lucrative welcome bonuses offered by certain rewards cards: 

• You'll earn 60,000 points by signing up for the Chase Sapphire Preferred and spending $4,000 within the first three months of opening your account.
• With the Ink Business Preferred Credit Card 's welcome bonus, you'll earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• The Chase Sapphire Reserve 's sign-up bonus gives you 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

The card you're using to redeem UR points will also affect your point redemption value . For instance, if you're using the Chase Sapphire Preferred to book through the Chase Ultimate Rewards® portal, points are worth 25% more (1.25 cents per point). But if you're booking with the Chase Sapphire Reserve , points are worth 50% more (1.5 cents per point) — the other no annual fee Chase cards each carry a redemption rate of 1 cent per point.

That means the bonus points you'd earn from either the Chase Sapphire Preferred's welcome bonus is worth $750 towards travel and the Chase Sapphire Reserve's is worth $900 towards travel.

Chase Sapphire Preferred® Card

$50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 3X points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs), 2X points on all other travel purchases, and 1X points on all other purchases

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

Getting started with the Chase travel portal

To reach the Chase travel portal, log into your Chase account, then click the arrow near the right side of the screen where it says the amount of your Chase UR points. Depending on how many Chase credit cards you have, you may be asked to choose which one you want to proceed with.

The next screen is your credit card's main dashboard, showing how many UR points you currently have, as well as any deals or bonus opportunities. Click the arrow at the top where it says, "Earn / Use" and the number of points you have. A menu will appear, offering various options for earning and redeeming UR points.

While not the best redemption in terms of overall value, you could choose to use your Chase points for Apple and Amazon purchases, cash them in for gift cards and experiences, or reimburse yourself for certain recent charges through Chase's nifty Pay Yourself Back tool . This is also where you can transfer points directly to one of Chase's 14 travel partners if you have a specific flight or hotel in mind. Otherwise, click "Travel" to enter the Chase travel portal. The Pay Yourself Back benefit ends Dec. 31, 2022

From here, you'll be able to search for flights, hotels, Luxury Hotel & Resort collection properties, rental cars, things to do (vacation activities and tours), vacation rentals and cruises. Simply choose your category, plug in your desired dates and details, and book with points, cash or some combination of the two. The search engine is powered by Expedia, with a similar user-friendly interface. You should see booking options similar to if you were booking directly with Expedia itself.

How to book flights through the Chase travel portal

There are a few pros and cons to consider when booking flights through the Chase travel portal. You won't have to worry about blackout dates or limited award availability, which makes it great if you're not flexible with dates and flight times. Just make sure you compare the amount of points needed through the Chase travel portal with how many points the airline would require if you were using its own miles, especially if you're hunting for a good deal on economy seats.

The catch with using the Chase travel portal is you won't be able to shop for tickets on low-cost carriers like Spirit Airlines, Frontier Airlines, or Allegiant Air — you can search for flights on Delta, JetBlue, American, and United. You'll also be able to book flights on most international carriers.

And while you can't bring up Southwest Airlines flights through a regular search, you can still transfer UR points directly to the airline at a 1:1 ratio since it's a Chase travel partner, or call 1-855-233-9462 to book with UR points by phone through the Chase Travel Center.

Another thing to consider now that the Chase travel portal is powered by Expedia: you won't be able to tell whether you're booking a basic economy seat or a main cabin seat until you reach the fare selection page, so pay attention if you're trying to avoid basic economy.

Remember that you can still earn miles and elite credits on flights, as tickets booked through the Chase travel portal are categorized as "paid" rather than as an award flight, since you're "paying" for them with points instead of cash. Consider the taxes and fees you might have to pay if you were to transfer the points straight to one of Chase's travel partners versus booking directly through the portal, and to calculate and compare how many points and miles you'd earn by booking with either method.

You'll be able to search, filter, and sort by price, airline, departure time, arrival time, and departure airport. For this example, below, consider a round-trip flight from Washington, D.C. to Nashville with sample dates of November 5–12, 2021, booked through the travel portal with a Chase Sapphire Reserve card (redemptions are worth 1.5 cents per point):

Results included an American Airlines flight from $248.80 or 16,586 points, as well as a few options through United. For comparison's sake, if you go to the American Airlines website and price out the same flight, you'd need 28,500 American miles. In this case, you'd end up saving 11,914 miles by booking through the Chase travel portal instead of redeeming AA miles directly with the airline, which isn't a Chase partner.

Remember that an initial Chase travel portal search won't reveal the class of seat until later in the booking process. In this same search, when you choose the United flight for 15,119 points, it's later revealed to be a basic economy seat for 15,119 points, but you can upgrade to a regular economy seat for 20,453 points, or a first or business class seat for 40,587 points.

In this case, it comes down to your personal preferences. Sticking with the basic economy seat for 15,119 miles would mean you'd save 12,381 points by booking through the Chase travel portal, while upgrading to the main economy seat would save you 7,047 miles compared to transferring UR points and booking through United (which requires 27,500 miles for a regular economy seat on that same flight).

To finish booking your flight through the travel portal, select your route(s), review the details, choose how many points you'd like to use and complete your purchase.

How to book hotels through the Chase travel portal

While the best redemption rates are usually realized when you transfer Chase Ultimate Rewards points at a 1:1 ratio to hotel partner Hyatt, if you're not a huge fan of chain hotels or prefer boutiques or brands like Hilton, Choice Hotels, or Wyndham, it can be a good idea to book them through the travel portal. 

As with flights, you won't have to worry about blackout dates or limited award night availability. However, keep in mind that hotels treat the Chase travel portal as a third-party booking agency since it's powered by Expedia, so you won't be able to earn hotel points on stays or enjoy elite perks and status-related privileges as you might by booking your stay directly with the hotel.

Hyatt hotels usually offer better deals when you book directly, and since it's one of Chase's hotel partners, you can transfer UR points instantly at a 1:1 ratio. Marriott and IHG are usually more varied, so you may score a better deal by booking via the Chase travel portal instead of transferring points over. For this reason, it's a good idea to ring up how much your hotel stay would cost in points through the portal as well as the hotel's website.

Start by searching by destination so you can see a list of all the hotels that are available. For this example, let's try looking for hotels in Downtown Nashville from November 5–12, 2021. Once the results appear, you'll be able to narrow down your search with filters based on price, amenities, star ratings, guest ratings, property type, number of bedrooms, neighborhood and whether the hotel is LGBTQ, business or family friendly.

Let's go over three options within the Chase travel portal, each booked with a Chase Sapphire Reserve credit card (redemptions are worth 1.5 cents per point): JW Marriott Nashville (Marriott), which is listed for 25,171 points per night; Holiday Inn and Suites Nashville Downtown–Convention Center (IHG), which is listed for 22,066 points per night; and Thompson Nashville (Hyatt), which is listed at 24,610 points per night.

When booked through the Marriott website, you'd have to redeem 380,000 Marriott Bonvoy points (which breaks down to 54,285 per night) for the same stay at JW Marriott Nashville. You'd end up saving 29,114 points per night by booking your stay through the travel portal.

If you were to book a seven-night stay at the Holiday Inn and Suites Nashville Downtown – Convention Center, you'd need 41,714 IHG Rewards points per night, which means you'd save 19,648 points per night by booking through the portal. 

As for Thompson Nashville, you'd have to redeem 25,000 World of Hyatt points per night for the same seven-night stay, saving you 390 points per night by booking through the travel portal.

As you can see, it's worth comparing points required by the travel portal and each hotel's website, as the time of year, location, and other factors may play a part in pricing. To book your stay through the travel portal, select your room type, review the details, choose how many points you'd like to use and complete your purchase.

How to book rental cars, cruises, and other travel activities

It's a pretty similar process if you want to book rental cars, tours and other travel activities through the Chase travel portal. Cruises can also be booked as well, but you'll need to call.

As far as car rentals, make sure you're booking through the travel portal with points that are connected to Chase Sapphire Preferred or Chase Sapphire Reserve in order to take advantage of extra perks like primary rental car insurance — you'll also need to decline the rental car company's auto collision damage waiver when you book to activate this. You'll want to charge at least a few dollars to the card and not use points to cover the entire booking which ensures that you're still "paying" for the car rental with your Sapphire card, which means you'll be entitled to the card's rental car insurance.

Beyond that, simply plug in your itinerary and search. Here's an example for a rental in Nashville from November 5–12, 2021, booked with a Chase Sapphire Reserve credit card (redemptions are worth 1.5 cents per point):

You'll be able to filter your search by capacity, car type, price per day, company, and car options (like air conditioning and automatic transmission). For a seven-day rental, it would cost 31,756 points or $477 for the cheapest option. As with other travel portal purchases, you'll be able to enter how many Chase Ultimate Rewards points you wish to put toward the final price. It works the same way for booking tours and other travel activities, so you could potentially enjoy a free — or nearly free — vacation solely on Chase points if you were to plan it all out properly.

Bottom line

Booking through the Chase travel portal can be a great use of your Ultimate Rewards® points, but make sure to compare the rates against booking directly with an airline or hotel itself. Finally, consider transferring your points to one of Chase's travel partners, especially if you're looking to book a luxury hotel or flight in business class.

Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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Chase Sapphire review: an in-depth look at the card loved by travelers

Oct 13, 2023 • 15 min read

Chase Sapphire Preferred Card is a popular choice for travel enthusiasts looking to maximize their rewards — read on for the best ways to use the card © Miljan Živković / Getty

This series of articles about credit cards, points and miles, and budgeting for travel is brought to you in partnership with  The Points Guy .

Advertiser Disclosure: This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. All information about the Citi Premier® Card, Citi® Double Cash Card, Bilt Mastercard® and Wells Fargo Autograph℠ Card, have been collected independently by Lonely Planet. These cards are not available through Lonely Planet.

The Chase Sapphire Preferred® Card  has become a household name in the travel rewards world – and there’s good reason for that. With its striking metal design and a reputation for offering some of the most generous travel perks in the industry, it's no wonder that this card has captured the attention of travelers and points enthusiasts alike. There's a world of silver linings and benefits when you travel with the right credit card; here's how Sapphire Preferred could fit well into your credit card rewards strategy. 

To help you decide, we’ll dive into the key features and benefits of the Chase Sapphire Preferred, examining what sets it apart from the competition and whether it lives up to its hype as one of the top travel rewards cards on the market. To start, here are some highlights to consider:

• Generous welcome bonus: The Chase Sapphire Preferred offers a substantial welcome bonus (60,000 points after spending $4,000 within three months), making it an attractive choice for those looking to jumpstart their travel rewards journey.
• Flexible redemption options: Cardholders can redeem points for travel through the Chase Ultimate Rewards portal, where points are worth 25% more, or transfer them to 14 airline and hotel partners. 
• Travel and dining benefits: The card offers a range of travel perks, including trip cancellation/interruption insurance, rental car coverage and no foreign transaction fees. The card also earns extra points on dining and travel expenses, making it an excellent card for foodies and frequent travelers.
• Affordable annual fee: Despite its premium features, the Chase Sapphire Preferred boasts a relatively low $95 annual fee compared to some of its competitors, making it accessible for those looking to get started with points and miles while keeping costs in check.  

Learn more about the  Chase Sapphire Preferred® Card .

Related: Best travel credit cards for hotels

Overview of the Chase Sapphire Preferred

The Chase Sapphire Preferred Card is a popular choice for travel enthusiasts looking to maximize their rewards. With its solid sign-up bonus, bonus rewards in multiple categories and transfer partners, it provides a versatile way to earn and redeem points. The main perk of this card includes a substantial welcome bonus worth $750 towards travel purchases. You can also transfer them to 14 airline and hotel partners at a 1:1 ratio. If you frequently travel outside of the United States, it's important to know that this card waives foreign transaction fees . 

• Generous welcome bonus: The Chase Sapphire Preferred offers a 60,000 welcome bonus when you spend $4,000 within three months of account opening. This bonus could be a substantial boost to your rewards balance and increase your travel budget .
• Flexible rewards program: The Chase Sapphire Preferred offers a valuable rewards program. Cardholders earned points on every purchase and they could redeem these points for travel through the Chase Ultimate Rewards portal, for statement credits or travel partner transfers. 
• Travel benefits: This card provides useful travel benefits, including primary rental car insurance, trip cancellation/interruption insurance and no foreign transaction fees, making it an excellent option for those who travel frequently.
• $95 annual fee: While the annual fee for the Chase Sapphire Preferred isn't as high as other premium travel cards, it still comes with a cost you have to factor into your decision.
• Limited bonus categories: The highest travel bonus category is limited to direct Ultimate Rewards bookings and the grocery bonus only applies to online purchases.
• Chase 5/24 rule: If you’ve applied for five credit cards in the last 24 months (across any bank), Chase likely won’t approve your card application.

Related: Best credit cards for traveling with kids

Chase Sapphire Preferred benefits

The Chase Sapphire Preferred has many benefits, including a substantial welcome bonus, a generous reward structure and valuable travel protections. It’s ideal for travelers but also comes in handy for everyday use, thanks to valuable perks. Here’s a closer look at each of these benefits and why you might want to consider adding this card to your wallet:

Welcome bonus

The Chase Sapphire Preferred card offers 60,000 bonus points after you spend $4,000 within three months of account opening. This bonus is valued up to $750 when redeemed for travel through the Ultimate Rewards Travel portal. However, you can get even more value by transferring points 1:1 to one of 14 airline and hotel partners. This flexibility is key for those new to points and miles, as well as seasoned travelers who want to get the most out of their points.

Earning rewards

The Chase Sapphire Preferred Card earns up to 5 points per dollar on travel purchases through Ultimate Rewards and 2 points per dollar on all other travel expenses. The card is also great for everyday spending, earning 3X points on dining (including eligible delivery services), online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services. All other purchases earn 1 point per dollar spent. 

For a limited time, cardholders earn 5X points on Peloton purchases over $150 and Lyft rides through March 31, 2025.

Travel benefits

The Chase Sapphire Preferred offers a range of travel benefits that can enhance your trips. In addition to a $50 annual statement credit towards Ultimate Rewards hotel bookings, cardholders receive valuable travel protections. These include up to $20,000 in trip cancellation/interruption insurance per trip, primary rental car insurance and baggage delay insurance. With these protections in place, you don't have to worry about unexpected expenses or damages during your travels and can often skip buying travel insurance .

Other (limited-time) benefits

Sapphire Preferred cardholders receive limited-time benefits, including a complimentary DoorDash Dashpass subscription through May 31, 2024, and six months of Instacart+ membership. The Instacart membership must be activated by July 31, 2024, and includes up to $15 in monthly credit. 

Lastly, cardholders receive the fourth night free at Ennismore Hotels, plus daily complimentary breakfast, a $30 food and beverage credit and room upgrades. These practical, everyday perks can easily offset the card’s $95 annual fee and help you save on existing expenses.

Related: How to get major perks at global events and concerts with your credit card

Redeeming points

Redeeming points and miles isn’t always easy – loyalty programs were designed that way. If all you want is a straightforward way to book travel with cash or points , the Sapphire Preferred offers several options. Cardholders can redeem points towards select everyday purchases or travel expenses. Alternatively, you can transfer points to airline and hotel loyalty programs at a 1:1 ratio for added value. Here are all the ways to redeem Chase Ultimate Rewards points:

Chase Ultimate Rewards travel portal

The Chase Ultimate Rewards travel portal allows cardholders to book flights, hotels and other travel arrangements directly through the portal using points. This means you have more flexibility when planning your trips because you're not limited to specific airlines or hotels. Plus, your points are worth 1.25 cents each, which is good for a cash-equivalent redemption. 

The great thing about this option is that you can provide your frequent flyer number at booking and earn miles through your favorite loyalty program – in addition to the miles you’ll earn from your credit card. It’s simple, straightforward and you can often find great deals on hotels and activities.

Related: 10 amazing US hotels you can book with points

Transfer to Chase travel partners

Chase has 14 travel partners you can transfer points to at a 1:1 ratio, including 11 airlines and three hotel loyalty programs. This gives you flexibility and possibly a higher redemption value if you use points for business or first-class travel and luxury hotels. Sometimes, Chase will even offer 20-30% bonus points when you transfer points to select travel partners.

Here’s a complete list of Chase travel partners:

• Aer Lingus AerClub
• Air Canada Aeroplan
• Air France-KLM Flying Blue 
• British Airways Executive Club
• Emirates Skywards
• Iberia Plus
• IHG Rewards Club
• JetBlue TrueBlue
• Marriott Bonvoy
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club
• World of Hyatt

Popular Ultimate Rewards transfer partners include World of Hyatt, Air Canada Aeroplan and Air France-KLM’s Flying Blue. Hyatt has a vast hotel portfolio with free nights starting at just 3,500 points. Flying Blue is a Delta Air Lines partner with much lower redemption rates than Delta SkyMiles. It’s a great choice for international travel, especially since you can score up to 50% off award flights through the Promo Rewards program. 

Aeroplan recently revamped its loyalty program, so award flights are more reasonably priced. It’s a great choice for international flights. Lastly, Virgin Atlantic Flying Club has one of the cheapest international award tickets. You can fly between the East Coast and London for just 10,000 miles each way in economy class – that’s lower than what most airlines charge for a domestic flight. 

Related: 10 amazing hotels around the world you can book with points 

Pay Yourself Back

Chase Pay Yourself Back allows you to use your points for statement credits on eligible purchases for 1-1.25 cents each. It's easy to use - simply make a purchase, then redeem your points towards that purchase. Each point is worth 1 cent towards Pay Yourself Back, so 1,000 points equal $10 off your bill. 

If you redeem points towards select charitable contributions, they’re currently worth 1.25 cents each. During the pandemic, when travel was at a standstill and some people lost their jobs, the Pay Yourself Back feature became a great alternative to offset everyday expenses. However, we don’t recommend getting a Sapphire Preferred if you’re going to redeem your points for cashback. You might be better off with a no-annual-fee cash-back card like the Citi® Double Cash Card or Wells Fargo Autograph℠ Card.

Related: 10 incredible branded hotels that have boutique hotel vibes

How the Sapphire Preferred compares to other cards

The Chase Sapphire Preferred Card offers a unique combination of travel rewards and benefits that set it apart from other cards in its category. However, it’s not for everyone, and plenty of other cards offer perks that might better align with your travel needs. Here’s a look at how the Sapphire Preferred compares against similar credit cards:

Chase Sapphire Preferred vs. Chase Sapphire Reserve

The Chase Sapphire Reserve®  is Big Brother to the Sapphire Preferred, offering more premium travel benefits in exchange for a higher annual fee. The Sapphire Reserve has a higher annual fee of $550 compared to the Preferred's $95. In exchange, cardholders get airport lounge access , an annual $300 travel credit and higher earning rates on dining and travel purchases: Up to 10X points on Chase Dining purchases and hotels and rental cars booked through Chase. The Sapphire Reserve and Preferred both earn 5X points on Ultimate Rewards travel bookings and 3X points on dining and all other purchases. The Sapphire Reserve has a higher 3X point earn rate on all other travel purchases, as opposed to 2X with the Sapphire Preferred. 

Sapphire Reserve cardholders who redeem points through the Ultimate Rewards Travel portal get a higher redemption rate of 1.5 cents each rather than 1.25 cents. Both cards offer the same welcome bonus, so the difference comes down to its benefits. If you utilize the annual $300 travel credit from the Reserve, the Priority Pass Lounge benefit and TSA PreCheck, Global Entry or NEXUS fee credit (every four years), then the Sapphire Reserve can be worth the upgrade.

Related: Best credit cards for adventure travel

Chase Sapphire Preferred vs. Citi Premier® Credit Card

The Chase Sapphire Preferred and Citi Premier® Card are both great cards if you want to earn high rewards on recurring spending. Both cards offer 60,000 bonus points after you spend $4,000 within three months of account opening. The Citi Premier has more transfer partners than the Sapphire Preferred – 17 instead of 14. Granted, most of these partners are foreign carriers that the average traveler may not be familiar with, but they offer exceptional value if you don’t mind doing a little research.

The Citi Premier offers a competitive rewards structure with bonus points on dining and travel. Cardholders earn up to 10X points on hotel and rental car bookings through the Citi Travel portal. All other air travel, hotel, restaurant, gas station and supermarket spending earns 3X points. The supermarket category is superior to the Sapphire Preferred’s bonus, limited to online spending only.

The card also offers an annual $100 hotel savings benefit, which eclipses the Sapphire Preferred’s annual $50 hotel credit. However, it’s worth noting that the Citi Premier’s credit only applies to hotel bookings of $500 or more. 

The card has no foreign transaction fees on purchases made abroad , but that’s where the travel perks end. The Citi Premier has no travel or purchase protections, giving it a huge disadvantage over the Sapphire Preferred. If you rely on credit cards for travel insurance, then the Citi Premier is not a good option.

Related: Best credit cards for road trips

Chase Sapphire Preferred vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has a $95 annual fee and offers a more simplified reward structure than the Sapphire Preferred. Cardholders earn 5X miles on Capital One Travel bookings and 2X miles on all other spending. This flat earning structure works great if most of your spending falls outside of the Sapphire Preferred’s bonus categories. 

The Capital One Venture also offers a higher welcome bonus than the Sapphire Preferred: 75,000 miles after spending $4,000 within three months of account opening. The card’s $95 annual fee is partially offset by a $100 TSA PreCheck/Global Entry application fee credit issued every four years.

Capital One currently has 18 airline and hotel transfer partners, outnumbering Chase Ultimate Rewards. You can also redeem miles towards travel purchases at 1 cent each. The card also offers travel accident insurance, which isn’t as robust as the travel protections provided by the Sapphire Preferred.

The Capital One Venture is a good option if you want a simple rewards structure and a high welcome bonus. However, the Sapphire Preferred is a better option if you prefer a card with comprehensive travel protections and mostly domestic transfer partners.

Related: Traveling to Europe using points and miles

Is the Chase Sapphire Preferred worth getting?

Deciding if the Chase Sapphire Preferred is a good fit depends on your travel habits and financial needs. If you enjoy traveling and want to earn rewards towards flights, hotels and other travel expenses at a reasonable annual fee, this card could be a good fit. Redeeming points can be as simple as using them for statement credits or more complex if you want to transfer them to airline and hotel partners for higher value. If you're looking for a travel credit card with a low annual fee and excellent trip protection, this could be the right card for you. 

While the Chase Sapphire Preferred Card offers many benefits and perks, there are a few drawbacks to keep in mind. First, this card has an annual fee of $95, which may not be ideal for everyone. If you’re not earning enough points or saving enough on foreign transaction fees yearly to justify the cost, you might be better off with a no-annual-fee card like the Bilt Mastercard® or Wells Fargo Autograph℠ Card. 

If you're looking for premium travel benefits like airport lounge access or higher rewards rates on dining and travel purchases, you may want to consider the Chase Sapphire Reserve instead. Lastly, it’s worth mentioning that the Sapphire Preferred is subject to Chase’s 5/24 rule. If you’ve applied for five or more credit cards over the past 24 months (with any bank), then you likely won’t get approved for a Sapphire Preferred. So make sure you’re under 5/24 before you apply. 

Consider all these factors when deciding if the Chase Sapphire Preferred Card aligns with your needs and preferences.

Related: Traveling to Japan using points and miles

Is the Chase Sapphire Preferred still a good card?

The Chase Sapphire Preferred is still a good credit card despite some competition. However, you should evaluate the card’s perks and annual fee to determine if it’s a good fit for you. 

How do I earn rewards with Chase Sapphire Preferred?

You can earn rewards by using your Chase Sapphire Preferred credit card for everyday purchases. You will earn up to 5 points per dollar spent, which you can redeem for travel, dining and other expenses. The card also offers a 60,000-point welcome bonus when you spend $4,000 within three months of account opening. 

Is the Chase Sapphire Preferred a metal card?

Yes, the Chase Sapphire Preferred is a metal credit card.

How much are Chase Sapphire Preferred points worth?

The value of Chase Sapphire Preferred points can vary depending on how you redeem them. When you redeem your points for travel through the Chase Ultimate Rewards portal, each point is worth 1.25 cents. For example, if you have 10,000 points, they would be worth $125 when used for travel bookings like flights, hotels, car rentals and more through Chase's platform. You can get more value by transferring your points to airline and hotel transfer partners for premium redemptions.

Is it hard to qualify for Chase Sapphire Preferred?

To be approved for a Chase Sapphire Preferred, you generally need good to excellent credit. However, Chase takes a lot of other factors into consideration when determining your ability to manage credit and repay your debts.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Best Chase credit cards for November 2023

As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.

• Connect with Ashley Parks on LinkedIn Linkedin

Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.

Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

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Chase offers highly rated credit cards for travel, cash back, business and more. A good or excellent credit score is typically required, but Chase provides cardholders generous rewards programs, sign-up bonuses and easy reward redemption options. Our experts have done the research so you can find the best Chase credit card for your wallet.

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Best Chase Credit Cards:

• Chase Sapphire Preferred® Card : Best for all-around travel
• Ink Business Cash® Credit Card : Best for everyday business purchases
• Chase Sapphire Reserve® : Best for luxury travel
• Ink Business Unlimited® Credit Card : Best for small-business owners
• Ink Business Preferred℠ Credit Card : Best for business travel
• Southwest Rapid Rewards® Plus Credit Card : Best Southwest starter card
• Southwest Rapid Rewards® Premier Credit Card : Best for Southwest value
• Southwest Rapid Rewards® Priority Credit Card : Best overall Southwest card

Additional Options:

Chase Freedom® Student credit card: Best for students

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• Compare our top cards

What is Chase?

Pros and cons of chase credit cards, how to choose a chase credit card.

• Why we chose our featured cards
• Frequently asked questions

Increase your odds of finding the perfect card

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Chase Sapphire Preferred® Card

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5x on travel purchased through Chase Ultimate Rewards® 3x on dining 2x on all other travel purchases, plus more

Regular APR

Rewards details

• 5x 5x on travel purchased through Chase Ultimate Rewards®
• 3x 3x on dining
• 2x 2x on all other travel purchases, plus more

Pros & cons

For a $95 annual fee, you get one of the best mid-level travel cards, loaded with standout features and value. Bonus rewards for travel and select everyday categories, high sign-up bonus and generous redemption values for more than just travel are just a few of the perks cardholders will enjoy. Read our full Chase Sapphire Preferred Card review .

• Points are worth 1.25 cents when redeemed through the Chase Ultimate Rewards portal or can be transferred to travel partners for potentially even more value.
• The card offers many travel and shopping protections.
• There’s no introductory APR period on purchases or balance transfers.
• Lacks airline-specific and premium travel perks, like free checked bags and lounge access

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
• Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.
• Member FDIC

Ink Business Cash® Credit Card

• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Rewards Rate

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year Earn 1% cash back on all other card purchases with no limit to the amount you can earn

• 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Read our full Ink Business Cash Credit Card review .

• There are flexible reward redemption options with this card.
• This card offers an intro APR on purchases, allowing you time to pay down a larger purchase.
• The 3 percent foreign transaction fee could be a deal-breaker for international travelers.
• The rewards rate outside of the bonus categories, 1 percent on all purchases, is low.
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. Earn 5x total points on flights through Chase Ultimate Rewards®. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
• 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases

Read our full Chase Sapphire Reserve review .

• Cardholders can earn up to 10 points per dollar on hotels and car rentals when making purchases through the Chase Ultimate Rewards portal.
• Cardholders get up to $300 credit for travel expenses each year.
• The $550 annual fee is significant.
• Infrequent travelers won’t get as much benefit from this card.
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
• $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 Ultimate Rewards® 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 Ultimate Rewards®. 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Ink Business Unlimited® Credit Card

• Earn unlimited 1.5% cash back on every purchase made for your business
• 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

Read our full Ink Business Unlimited Credit Card review .

• You won’t need to keep track of rotating categories or enrollment dates.
• You can earn unlimited rewards without expiration (as long as the account is in good standing).
• The flat-rate cash back offered isn’t as high as other business cards with bonus categories, depending on your spending habits.
• The card offers no introductory APR on balance transfers, so you won’t save on interest if you have to carry a balance.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Ink Business Preferred® Credit Card

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

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 – with no limit to the amount you can earn

• 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

This business card offers one of the best sign-up bonuses out there (100,000 points after spending $8,000 in the first three months of card ownership) and substantial travel protections for a low $95 annual fee. Be aware that there’s no intro APR on purchases or balance transfers, so its go to APR applies right off the bat. Read our full Ink Business Preferred Credit Card review .

• The Ink Business Preferred Credit Card offers a relatively low annual fee, only $95.
• Points redeemed through the Chase portal for travel get a 25 percent boost in value.
• The spending requirement to qualify for the sign-up bonus might be high for some business owners.
• The balance transfer fee ($5 or 5 percent, whichever is higher) is steep.
• 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
• 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 Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Southwest Rapid Rewards® Plus Credit Card

• Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 2X Earn 2X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

Read our full Southwest Rapid Rewards Plus Credit Card review .

• It offers the lowest annual fee ($69) of any Southwest credit card.
• Fair rewards rate on Southwest airline purchases.
• No introductory APR period offer on purchases or balance transfers.
• Has a 3 percent foreign transaction fee, making it an unsuitable option for traveling abroad.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Southwest Rapid Rewards® Premier Credit Card

Earn 3X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 3X Earn 3X points on Southwest® purchases.

Read our full Southwest Rapid Rewards Premier Credit Card review .

• The card charges no foreign transaction fees, so it’s an ideal travel companion for international trips.
• You may have access to Visa Signature benefits such as auto and travel protections and hotel discounts.
• Balance transfers are offered with a fee of 5 percent of the amount being transferred, or $5, whichever is greater.
• The card provides limited bonus categories outside of travel, dining out and ordering in.
• 6,000 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• 2 EarlyBird Check-In® each year.
• No foreign transaction fees.

Southwest Rapid Rewards® Priority Credit Card

Read our full Southwest Rapid Rewards Priority Credit Card review .

• The card offers a generous anniversary bonus.
• The card carries no foreign transaction fees.
• The card requires good-to-excellent credit.
• There’s no introductory APR period offered.
• 7,500 anniversary points each year.
• $75 Southwest® travel credit each year.

Compare Bankrate's top picks for Chase credit cards

On This Page

A closer look at our top-rated Chase credit cards

Chase sapphire preferred card: best for all-around travel.

• What we love about Chase Sapphire Preferred : The Chase Sapphire Preferred paves the way as a more affordable travel card with remarkable premium perks, top-notch travel protections, account anniversary bonus points and annual hotel credits.
• Who this card is good for : Both infrequent travelers and rewards aficionados (especially people who have Chase cash back cards already) who want an affordable travel card with notable perks, but also plenty of flexible redemption options.
• Alternatives : The Citi Premier® Card has a similar annual fee, but offers a more rewarding experience for travelers who want to earn on groceries, gas and general travel.  

Read our full Chase Sapphire Preferred Card review . Jump back to offer details .

Ink Business Cash Credit Card: Best for everyday business purchases

• What we love about the Ink Business Cash: The Ink Business Cash is a well-rounded, easy-to-manage business card that covers some of the most popular spending categories for brick-and-mortar businesses, including office supplies and internet services.
• Who this card is good for: Small-business owners with modest budgets focused on office supplies and internet, cable and phone services, since these categories earn elevated cash back rates. If you have one or both of the other two Chase Ink cards, the Business Cash also makes for an excellent partner card.
• Alternatives: If a spending cap will hold you back in any way, the  Ink Business Unlimited  card offers unlimited 1.5 percent cash back on all purchases you make for your business while still skipping the annual fee. 

Read our full  Ink Business Cash Credit Card review Jump back to offer details .

Chase Sapphire Reserve: Best for luxury travel

• What we love about the Chase Sapphire Reserve : The sky-high rewards value you’ll earn on travel and its variety of bonus categories is hard to beat, thanks to its quality transfer partners, stellar pairing opportunities and 50 percent rewards redemption value boost through Chase Ultimate Rewards.
• Who this card is good for : Frequent travelers who invest in luxury perks. You’ll gain access to upcoming Chase Sapphire Lounge locations and a suite of other elite travel benefits, including some of the best travel insurance available plus enough privileges and statement credits to easily justify the annual fee if you prefer to travel in comfort.
• Alternatives : A $550 annual fee is nothing to sneeze at, although you’ll get several top luxury benefits available in exchange. If you’re looking to invest in extra travel benefits without breaking the bank, the  Capital One Venture X Rewards Credit Card  packs in a solid amount of luxury perks for a smaller annual fee.

Read our full  Chase Sapphire Reserve card review or jump back to  offer details .

Ink Business Unlimited Credit Card: Best for small-business owners

• What we love about the Ink Business Unlimited: The generous welcome bonus, high flat rewards rate and lack of an annual fee make this well-rounded card ideal for small startup business owners without a defined budget just yet. Whether you’re opening a brick and mortar storefront or an online product hub, all of your business expenses will be captured in the unlimited cash back rewards on all business purchases.
• Who this card is good for: Entrepreneurs and small business owners who have various expenses to cover and can benefit from the unlimited rewards on all purchases.
• Alternatives: If you’re willing to venture outside of Chase, the  Capital One Spark Cash Plus  offers 2 percent unlimited flat rewards on all purchases, but you have to foot the bill for a $150 annual fee (that could be offset by your extra earnings, depending on how much you spend).

Read our full  Ink Business Unlimited Credit Card review Jump back to offer details .

Ink Business Preferred Credit Card: Best for business travel

• What we love about the Ink Business Preferred : The sign-up bonus on this card is one of the best around, especially for business owners that can easily hit the spending requirement with business expenses.
• Who this card is good for : Frequent business travelers or big business spenders who want to take advantage of the low annual fee compared to other premier business travel cards. Chase cardholders with either business or personal cards will be able to use the Ink Business Preferred as a tentpole in their card pairing strategy as well.
• Alternatives : If the annual fee is what’s holding you back on this Ink business card, there are two others available from Chase, including the Ink Business Cash Credit Card and the Ink Business Unlimited Credit Card — and both cards have no annual fee. Although the Business Cash card’s rewards structure is more similar to the Business Preferred’s, the Business Unlimited card’s 1.5 percent flat-rate cash back may be better for smaller startups and side hustles without specialized expenses.

Read our full Ink Business Preferred Credit Card review . Jump back to offer details .

Southwest Rapid Rewards Plus Credit Card: Best Southwest starter card

• What we love about the Southwest Rapid Rewards Plus Card : You can earn the same intro offer its higher tier Southwest sibling cards provide, along with similar rewards rates, for a much lower $69 annual fee.
• Who this card is good for : Beginner travelers who prefer Southwest Airlines but don’t fly frequently enough to chase elite status. This card is also ideal for people who mainly fly domestic and find just as much value in ground travel and internet-related services.
• Alternatives : Although the Southwest Rapid Rewards Plus card has the lowest annual fee of the Southwest Rapid Rewards cards, the Southwest Rapid Rewards Premier Credit Card is technically more cost-effective. The Premier card’s marginally higher $99 annual fee is easier to justify since you also receive a higher 6,000-point account anniversary bonus.

Read our full Southwest Rapid Rewards Plus Credit Card review . Jump back to offer details .

Southwest Rapid Rewards Premier Credit Card: Best Southwest value

• What we love about the Southwest Rapid Rewards Premier Card : This is Southwest's mid-level airline card, and for $99, you get more perks than the airline’s Rapid Rewards Plus card and a sample of the premium benefits found with the Rapid Rewards Priority card.
• Who this card is good for : People who periodically fly with Southwest and may travel internationally. That’s because this card doesn’t charge foreign transaction fees — unlike the Rapid Rewards Plus card, which poses a 3 percent fee.
• Alternatives : If you want a similar rewards structure but aren’t worried about flying often enough to take advantage of the Premier card’s enhancements, the Rapid Rewards Plus may be a better fit. However, regular Southwest passengers may benefit more from investing in the Southwest Rapid Rewards Priority Credit Card for its four annual boarding upgrades, higher anniversary bonus and $75 yearly Southwest travel credit.

Read our full Southwest Rapid Rewards Premier Credit Card review . Jump back to offer details .

Southwest Rapid Rewards Priority Credit Card: Best overall Southwest card

• What we love about the Southwest Rapid Rewards Priority Card : It’s easier to wring more value out of your Southwest experience with this card compared to any others in the airline’s suite, thanks to its $75 annual Southwest travel credit, bigger 7,500-point anniversary bonus, fast track to A-List status and four upgraded boardings each year.
• Who this card is good for : Southwest jet-setters who fly often enough to take advantage of the annual travel credit and improved boarding benefits. Although other travelers may get a competitive value out of the Rapid Rewards Premier card compared to the cards’ respective annual fees, these perks make ponying up for the Priority card more worthwhile.
• Alternatives : The Southwest Rapid Rewards Priority card is the most valuable Southwest card because of its standout benefits list. However, these top-tier perks do come with a price. The Rapid Rewards Premier card offers an identical rewards structure and intro offer for a lower annual fee. If you’re not dedicated to Southwest and would prefer a less-specialized card, the Citi Premier® Card features a similar rewards balance for a variety of everyday and travel purchases that can be used toward a variety of expenses.

Read our full Southwest Rapid Rewards Priority Credit Card review . Jump back to offer details .

Chase Freedom Student credit card: Best for students

• What we love about the Chase Freedom Student : One of the easiest cards to manage for people just getting started on their credit journeys, the Chase Freedom Student will cover any expense you need it for at the same cash back rate. The intro offer on the card is also one of the easiest to obtain, considering you only have to make one purchase in the first three months to gain access to an extra $50.
• Who this card is good for : Students who want to try their hand at building great credit habits early while also earning some rewards in the process. This card’s $20 Good Standing Rewards (for up to five years on each account anniversary) reinforces good credit habits, and its ongoing APR can be lower than many other student cards’ in case you need to carry a balance in a pinch.
• Alternatives : Though the Chase Freedom Student is pretty hassle-free, there are many student cards on the market that offer stronger rewards rates — such as the Discover it® Student Cash Back card — if you’re willing to track bonus categories. The Capital One Quicksilver Student Cash Rewards Credit Card offers a higher flat rewards rate, but you’ll need to be wary of the card’s potentially sky-high ongoing APR if you carry a balance.

Read our full Chase Freedom Student credit card review .

*The information about the Chase Freedom® Student credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.  

Chase Bank is the largest consumer bank with assets worth about $3.38 trillion. Chase Bank is the consumer banking division of the brand, JPMorgan Chase, which is headquartered in New York. Chase has more than 4,700 branches and 16,000 ATMs, and it continues to actively expand across the country and beyond. Because Chase’s reach is so wide, branch and ATM locations are fairly accessible for a lot of consumers.

According to the 2022 J.D Power U.S Credit card Satisfaction study , Chase ranks fifth in overall customer satisfaction among national issuers with a score of 813, outranking other well-known credit card issuers like Capital One and Citi. Despite its middle-ground ranking, there is plenty to love about Chase and what its credit cards have to offer, especially when it comes to Chase Ultimate Rewards and some premier benefits the issuer offers on several cards.

Types of Chase credit cards

Chase has more than one card on the market that could be considered one of the best travel credit cards . Their business credit card options are also significant, catering to plenty of spending categories and business sizes. Finally, Chase has a few stellar co-branded card options that may be ideal for certain brand loyalists.

Travel credit cards from Chase

Chase’s travel credit card offerings top the charts, partly because of the cards’ stellar perks, benefits packages and high rewards rates. Its travel cards also rank highly because of its Chase Ultimate Rewards portal, which can boost your earnings significantly. Chase has an extensive list of travel partners and a 1:1 redemption rate, which can take your rewards value even further.

Editor’s choice : The Chase Sapphire Preferred.

Business credit cards from Chase

Chase business credit cards check a lot of boxes when it comes to value, earning opportunity and covered spending categories. Small businesses and established businesses alike will find something to like in a Chase credit card, whether the business’ largest expense is travel, employee dining or office supplies.

Editor’s choice : The Ink Business Unlimited credit card.

Co-branded credit cards from Chase

Chase has more than a few co-branded credit cards with a number of brands, including Southwest Airlines, Amazon and United Airlines to name a few. This type of credit card in this case is issued by Chase and rewards purchases that you can then use for perks at whatever brand the card is tied with. For example, Chase’s suite of Southwest Airlines cards reward purchases made with Southwest, then cardholders can use those earnings to get more from Southwest like discounts, statement credits or upgrades. If you have some strong brand loyalty, a co-branded card could make earning big rather easy.

Editor’s choice : The Southwest Rapid Rewards Premier credit card.

Flexible rewards redemption : Thanks to the Chase Ultimate Rewards program, most Chase cards host a plethora of redemption options, including travel and charitable donations.

Top tier travel partners : Chase’s long list of travel partners and 1:1 points transfer rate give you even more ways to use your points.

High credit score requirements : With top-notch travel rewards and generous offers, most of Chase’s cards require a good-to-excellent credit score.

High price premium cards : The Chase cards with the most generous benefits and rewards have annual fees ranging from a more standard $95 to over $500.

It’s easier to find an ideal match for a credit card by keeping the focus where it needs to be — on you. As you start to compare Chase cards, consider these questions.

What kind of rewards would you like to earn most?

Travel rewards and cash back are a staple among Chase rewards cards. There are also some Chase business cards that cater to business-specific purchases. Evaluate your spending habits and choose a card that will benefit you and your needs.

Are you willing to use Chase Ultimate Rewards?

Often, the value of your rewards may increase by up to 50 percent or more when redeemed through the Chase Ultimate Rewards program. Fortunately, these travel redemption boosts mean you don’t have to consistently utilize transfer partners to boost your rewards’ value, like you may have to with other issuers’ travel portals. If you use the Ultimate Rewards Portal or you have multiple Chase cards (including a premier Chase card), pooling your rewards and redeeming through the portal could produce a windfall of earnings. However, you may want to consider a more streamlined card from another issuer with a less-involved redemption portal if you prefer a brass-tacks rewards program.

Are you willing to take on an annual fee?

Plenty of Chase cards come without an annual fee, but a few do add this extra charge in exchange for a few more lucrative benefits. To determine  if an annual fee is worth it , understand all the perks and benefits that the annual fee is paying for and if your own use of those benefits makes the fee worthwhile.

Still unsure if a Chase credit card is right for you?  Check out our  Credit Card Spender Type Tool  where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Who should get a Chase credit card?

Chase issues a suite of cards that will benefit plenty of people, but here are a few key consumers that may get the most value out of a Chase card.

Avid travelers

Many of the best Chase cards on the market boast travel protections and rewards that are hard to beat. You can earn handsomely on everything from flight costs and car rentals to hotels and dining. Some of the most premium Chase cards even offer baggage cost reimbursement, trip cancellation insurance and so much more.

Small business owners

Chase business cards get the job done when it comes to rewarding business and travel purchases. You can get boosted rewards rates when spending on office supplies or business trips, and some cards will even offer free employee cards and purchase protection.

Chase loyalists

One of the best ways to get the most out of your Chase credit card is to pair it with other Chase credit cards. Pairing Chase cards allows you to pool the rewards you earn across multiple cards and maximize your rewards even more with the Chase Ultimate Rewards program.

How the Chase Ultimate Rewards program works

In addition to the benefits and accessibility, Chase offers cardholders one of the industry’s signature rewards programs: Chase Ultimate Rewards . With Ultimate Rewards, cardholders can earn and redeem points for cash back, statement credits, gift cards or travel rewards.

When you redeem rewards for travel through the Chase Ultimate Rewards portal, you can add significantly more value to your earnings depending on the card you're using. Chase’s Sapphire cards get you this boost, with the Chase Sapphire Preferred offering 25 percent more value and the Chase Sapphire Reserve offering 50 percent more value.

The Chase trifecta refers to a group of Chase card families — Chase Freedom cards, Sapphire cards and Ink Business cards — that when used together can boost rewards earnings and rack up points. For example, if you use the Chase Sapphire Preferred, Chase Freedom Unlimited and the Chase Ink Business Preferred, you can pool all the points earned from the cards in one account and save up thousands of points. If you don’t have a business, you can use two Freedom cards and one Sapphire card together to complete the trifecta.

If you want to transfer your Chase points to one of its partner airlines , you can do so through its travel portal when you log into your account. Once you choose the partner, you can transfer points in increments of 1,000 points and typically at a 1:1 ratio, so 1 point equals 1 mile.

Most Chase cards earn reward points and each point has a monetary value. Bankrate’s current points and miles valuations have three average point values set for the Ultimate Rewards program, with Chase’s most premier cards tending to have a higher average point valuation.

Are Chase credit cards worth it?

Yes. Chase credit cards offer plenty of value to consumers and businesses. The Chase Ultimate Rewards program is one of the most notable credit card rewards programs around, and the variety of perks, protections and benefits you could get with many of Chase credit cards make these cards worth a look. But when deciding on any credit card and whether it’s worth it for you, you’ll need to evaluate your own financial needs and desires when it comes to making a final decision.

Bankrate Insight

How we chose the best chase credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

Frequently asked questions about Chase credit cards

What is the best chase credit card, what credit score do you need to get a chase credit card, what’s the easiest chase card to be approved for, do i need to register for chase ultimate rewards, how do i cancel a chase credit card.

* See the online application for details about terms and conditions for these offers. 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.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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