Chase Bank Credit Card Reviews, Rules & Opinions
Updated: July 3, 2024
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With 33 different credit cards, Chase Bank caters to individuals looking for business, travel, cash back or student cards. Depending on the card, Chase Bank typically accepts those with good to excellent credit scores, so you might need a minimum score of 670 to qualify.
Cardholders have the chance to enjoy additional benefits with Chase Bank’s line of credit cards since they are co-branded with companies Disney, United, IHG, Amazon and more.
Chase Bank offers 33 credit cards, including options for cash back, business, students and travel. Chase cardholders can usually get a welcome bonus through rewards or cash back.
| Credit Card | MoneyGeek Rating | Card Summary | Rewards Summary | Annual Fee | Recommended Credit |
|---|---|---|---|---|---|
| An easy-to-use cash back card with quarterly rotating bonus categories | Earn 1% – 5% cash back | $0 | 670–850 (good to excellent) | ||
| An excellent no-annual-fee card that lets you earn unlimited cash back | Earn 1.5%–6.5% cash back | $0 | 670–850 (good to excellent) | ||
| A very good rewards card with no foreign transaction fees and comprehensive travel cover | Earn 1X – 5X points | $95 | 670-850 (Good to Excellent) | ||
| Best for premium travel with flexible redemption points | Earn 1X – 10X points | $550 | 740 - 850 (Excellent)* | ||
| Best for earning rewards on office supplies | Earn 1% – 5% cash back | $0 | Good–Excellent | ||
| Great for big welcome offer and ongoing rewards | Earn 1X - 3X points | $95 | 670-850 (Good to Excellent) |
Chase Bank also offers the following credit cards:
To help guide your decision, MoneyGeek identifies the best Chase Bank credit cards each month. These are based on reward categories, welcome bonuses and other criteria.
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Chase Freedom Unlimited® is an impressive card that pairs affordability with abundant rewards. It offers a compelling welcome bonus with no annual fee and substantial cash back in various everyday categories. It's especially beneficial for consumers who frequently travel, dine out or have regular drugstore purchases. The card is also an ally for big-ticket spending or balance transfers with its initial interest-free period. Plus, its flexible and enduring cash back rewards system means you can redeem them whenever you wish. Note that this card is best suited for consumers with solid credit histories.
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Chase Freedom Flex® card offers remarkable value, especially for consumers who can maximize the diverse cash back categories. Chase welcomes new cardholders with a bonus, and its 0% introductory APR offers a financial cushion for the initial months. Accumulated rewards are yours to keep indefinitely. While it's a boon for those with good credit and an affinity for diving into rotating reward categories, it's less rewarding for generic purchases. Overall, this card is a solid pick for strategic spenders.
All information about the Chase Freedom Flex has been collected independently by Moneygeek.com and has not been reviewed by the issuer.
Before you apply for a Chase Bank credit card, it’s best to know their guidelines and processes to maximize your card’s rewards and benefits. To help you find the right card for your needs, MoneyGeek answers frequently asked questions about Chase Bank.
Generally, Chase Bank accepts applications with good to excellent credit scores, meaning your minimum credit score should be 670. However, Chase Bank accepts limited to fair credit for their student credit card, Chase Freedom® Student credit card.
Chase Bank doesn’t have a strict limit in terms of how many credit cards you can own.
Chase Bank has a 5/24 rule. This means that if you have opened five or more credit card accounts with Chase and/or other issuers in the past 24 months, your application will most likely be denied.
Chase Bank doesn’t have a formal policy on how many times you can get your applications approved within a certain timeframe. However, if you want to apply for another card, it may be best to wait at least 90 days between applications as a general rule of thumb. You can also try contacting Chase Bank directly and find out.
With Chase Bank, you can only claim your welcome bonus once within 24 or 48 months of when you received the bonus, depending on the card. Additionally, Chase may also place limits on a "family" of cards, like Southwest or Sapphire, which prevents new applicants from receiving a bonus when you've received one from another family member recently. This means if you want to claim a welcome bonus with a new Chase card, you may need to wait.
It’s important to consider other factors outside of fees and benefits when you’re looking for the right credit card for your needs.
Feature | Description |
|---|---|
Customer Service & Satisfaction | In a 2021 J.D. Power survey, Chase Bank ranked among the top five banks in overall customer satisfaction among national issuers. Chase earned 807 out of 1,000 points. For any concerns or questions, you can contact Chase through their customer service number or via their social media accounts. |
Mobile Apps & Online Services | Chase has a mobile app on the Apple App Store and Google Play, ranking 4.8 out of 5 and 4.4 out of 5, respectively. You can also manage your credit card account through their online banking to pay bills, manage notifications and check your transactions. |
Security & Credit Monitoring Services | Depending on your card, Chase offers several security features. For example, the Chase Sapphire Reserve Card has zero fraud liability, which means that you don’t need to pay for any unauthorized purchases. Additionally, the Chase mobile app has face recognition, fingerprint authentication and transaction alerts. You can even lock and unlock your card with the app. |
Loyalty Programs & Other Issuer Perks | The Chase Ultimate Rewards program rewards certain cardholders with exclusive benefits and perks. You can redeem your points and use it for cash back, travel and gift cards. Chase Ultimate Rewards partners with three hotels and 10 airlines. Eligible cardholders can transfer their points on a 1:1 basis with no fees. You may also transfer points among eligible cardholders living at the same address. With the card, you may also pay eligible Amazon orders and Apple purchases with your points. Through Chase Dining, you can redeem points for dining experiences and exclusive reservations. Every 100 points are equivalent to $0.80 in redemption value. |
Authorized Users | Chase Bank doesn’t have a formal limit on how many authorized users can use one card, nor do they have a fee for adding an authorized user on most cards. |
Purchase Protection | Chase Bank doesn’t generally offer purchase protection on their cards, but they have other security features like zero fraud liability. |
Co-Branding & Partnerships | Chase Bank has multiple co-branded partnerships with brands like:
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Other Products Offered | Chase Bank offers financial products and services, including:
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Chase Bank credit cards are generally a great choice for individuals or small business owners with good to excellent credit scores. These cards may also be ideal for students with limited to fair credit.
With a variety of credit card offerings, you may need to compare multiple Chase Bank cards to see which one fits your needs. Chase Bank cards may be a great fit for:
Individuals looking for an all-in-one bank
Aside from credit cards, Chase also offers financial services like personal and business banking, mortgages and investments.
Frequent travelers
Chase has co-branded partnerships with several airlines and hotels like United, British Airways, Marriott and IHG. With their travel and hotel credit cards, cardholders can get cash back rewards, exclusive perks and redeem points.
Business owners with high spending levels
The Ink Business Preferred card offers a generous welcome bonus, rewards, extended warranty protection, cash back and no foreign transaction fees. With no added cost and customizable spending limits, you can get free employee cards to earn rewards faster and track purchases on an individual level for accounting and allocating expenses to projects and customers.
Students looking for their first card
The Chase Freedom® Student credit card only requires limited to fair credit and may be an ideal option for students who want to build their credit score. You get a guaranteed 1% cash back with every purchase.
"Chase has one of the most attractive loyalty programs of any bank. It's Ultimate Rewards are extremely flexible and some cards receive a higher value when redeeming points for travel. Points can also be transferred to airline and hotel partners for potentially higher value. The only downside is that the Chase 5/24 Rule may impact your ability to apply for its cards."
- Lee Huffman, credit card expert at BaldThoughts.com
If you don’t meet the criteria for the listed cards or are still on the fence, try other credit cards that may work better for you.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
