What is the accepted credit score range for most cards?

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.

How many cards can you own?

Chase Bank doesn’t have a strict limit in terms of how many credit cards you can own.

How many times can you apply?

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.

How many times can you get approved?

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.

How many times can you claim a welcome bonus?

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.

Chase Bank Credit Card Reviews, Rules & Opinions

Chase Bank provides a wide range of credit cards for personal and business use. MoneyGeek reviewed the different types of Chase Bank credit cards to help you pick the right card.

Advertising & Editorial DisclosureLast Updated: 1/26/2023

Reviewed By

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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.

ON THIS PAGE:

Different Card Offerings from Chase Bank
Rules for Applying, Acceptance & Welcome Bonuses
Other Considerations for Chase Bank
Overall Opinion of Chase Bank & Card Offerings

Featured Credit Cards Offered by Chase Bank

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.

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Other Cards Issued by Chase Bank

Chase Bank also offers the following credit cards:

Slate Edge: Best for individuals looking for a card with an introductory APR and no annual fee.
Aeroplan Card: Best for travelers looking to earn points when they travel or shop.
Disney Visa: Best for those looking for a straightforward card to earn Disney Rewards Dollars.
Disney Premier Visa: Best for those looking to earn rewards at Disney and a statement credit for airline travel.
Starbucks Rewards Visa Card: Best for those looking to get exclusive Starbucks perks and rewards.
Amazon Prime Rewards Visa Signature: Best for those looking to earn cash back on Amazon, Whole Foods Market, U.S. restaurants, gas stations and drug stores.
World of Hyatt Business Credit Card: Best for small business owners looking to earn Hyatt-specific benefits.

The Best Chase Bank Credit Cards in 2023

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.

Ink Business Cash® Credit Card
Fantastic card for earning rewards on office supplies
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–5% Cash Back*Rewards Rate
- 5xRewards Rate on TV, Phone, Internet Services
- 2xRewards Rate on Dining
We love the Ink Business Cash Credit Card because of its generous 5% rewards rate on office supplies. This rate also applies to your phone, internet and cable subscriptions. Spending across all other categories comes with 2% or 1% rewards.
Not having to pay any annual fees is great. Being able to redeem your rewards in different ways, be it as cash back or for travel, is a definite plus too.
You may get free employee cards that come with purchase and travel protection, thereby giving your employees added peace of mind.
Integrating your Ink credit card with bookkeeping software is easy and simplifies accounting.
If you apply in time, you can take advantage of an intro 0% APR offer and a $900 spend-based bonus cash back offer.
Pros
Generous introductory cash back and APR offers
No annual fees
Free employee cards
Redeem points for cash, travel, gift cards and more
Points don't expire for the life of the account
Purchase and travel protection

Cons
Foreign transaction fees
Balance transfer and cash advance fees
Spending cap on cash back categories
Earn a $900 cash back bonus if you spend $6,000 on purchases in the first three months.
Benefit through a 0% intro APR offer for the first 12 months, then variable APR 17.49% – 23.49% after that.
Pay no annual fees for as long as your account remains active.
Earn 5% cash back on the first $25,000 you spend on purchases at office supply stores, as well as on internet, cable and phone services every year.
Earn 2% cash back on the first $25,000 you spend on purchases at restaurants and gas stations every year.
Earn 1% cash back on all other purchases.
Your rewards remain valid for as long as you keep using your card.
Set individual spending limits for employee cards.
All cardholders get access to extended warranty, purchase protection, baggage insurance, car rental loss and damage insurance and roadside dispatch.
Fraud protection safeguards you against fraudulent transactions.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Ink Business Cash® Credit Card

Chase Freedom Unlimited®
An excellent no-annual-fee card that lets you earn unlimited cash back
- ExcellentRecommended Credit
- $0Annual Fee
- 1.5–5% Cash BackRewards Rate
- 3xRewards Rate on Dining
- 5xRewards Rate on Air Travel
We're in love with the Chase Freedom Unlimited® because it comes with no annual fee and gives you the ability to earn unlimited rewards. In the first three months of account opening, you can earn a $200 bonus after you spend $500 on purchases. Additionally, spending a minimum of $12,000 on groceries in the first year (except at Walmart and Target) can earn you an easy $600 cash back. Another plus is that the cash back rewards you earn don't expire for the life of the card.
An intro 0% APR on purchases for the first 15 months enables you to make big-ticket purchases without having to pay interest — provided you repay the entire amount during the intro period. Cardholders can also eliminate interest on existing debt with a balance transfer. You'll enjoy 15 months with no interest to pay off your transferred balances After the promo period expires, you might benefit by getting a low ongoing rate depending on your credit score.
Complimentary purchase and travel protection might come in handy in various scenarios, such as if you miss your flight or an item is damaged or stolen after you buy it.
If you use Lyft to get around, you stand to benefit even more — by earning 5% cash back until March 2025.
Pros
No annual fees
0% APR on purchases for 15 months from account opening, then a variable APR of 19.24% –27.99%
Intro bonus cash back offer
Earn 5% cash back on travel purchases through Chase Ultimate Rewards
Earn 3% cash back on dining-related purchases
Earn 3% cash back on drugstore purchases
Earn 1.5% cash back on all other purchases
You may earn unlimited cash back that never expires
Redeem rewards for cash back, for gift cards, for travel or through Amazon.com
Get complimentary purchase and travel coverage

Cons
Foreign transaction fees
Cash advance and balance transfer fees
Penalty APR may apply in case of late and returned payments
Pay $0 annual fee for the life of your card
Pay no interest on purchases for the first 15 months, after which a creditworthiness-dependant APR of 19.24% –27.99% applies
Travel purchases through Chase Ultimate Rewards earn 5% cash back
Spending at restaurants, on takeout and through other eligible delivery services, as well as drugstore purchases, earn 3% cash back
All other purchases earn 1.5% cash back
You get to earn unlimited cash back rewards, and they don't expire as long as your account remains active
Different ways to redeem your cash back include receiving a statement credit, withdrawing it through a direct deposit, using it to get gift cards or using it to pay for travel
Zero liability protection, 24/7 fraud protection, purchase protection and extended warranty protection are in place to provide extra peace of mind
Feel better when traveling by knowing that you have access to travel and emergency assistance services, trip cancellation/interruption insurance and auto rental collision damage coverage.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Chase Freedom Unlimited

Chase Freedom Flex℠
An easy-to-use cash back card with quarterly rotating bonus categories
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–5% Cash Back*Rewards Rate
- 5xRewards Rate on Air Travel
- 3xRewards Rate on Dining
We recommended the Chase Freedom Flex℠ to people who wish to earn high category-based cash back without paying an annual fee. You get 5% cash back on combined purchases of up to $1,500 in bonus categories you activate every quarter and on travel purchased through Chase Ultimate Rewards. You get 3% cash back on multiple bonus categories. You also get higher-than-usual cash back at gas stations during the first year.
This card comes with an introductory APR applies on purchases and balance transfers. However, if you use this card to transfer a balance, you need to pay a balance transfer fee. This card also comes with foreign transaction fees.
Some of the additional benefits come in the form of purchase protection, extended warranty, cell phone protection, trip cancellation/interruption insurance and auto rental collision damage waiver.
Pros
Generous welcome offer
Rotating cash back bonus categories
No annual fee
Excellent customer-facing features
Grocery store perks
DoorDash and Lyft benefits

Cons
Modest base cash back rate
Your interests might not align with quarterly rotating bonus categories
Foreign transaction fees
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on quarterly rotating bonus categories
5% cash back on Chase Ultimate Rewards travel purchases
3% cash back on dining, takeout, delivery and drug store purchases
1% cash back on all other purchases
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Chase Freedom Flex℠

Rules for Applying, Acceptance & Welcome Bonuses

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.

Other Considerations About Chase Bank

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:
- Amazon
- Apple
- Disney
- IHG
- Hyatt
- Marriott
- United
- Aer Lingus
- British Airways
- Iberia
- Southwest Airlines
- Aeroplan
- Starbucks
Other Products Offered
Chase Bank offers financial products and services, including:
- Personal savings and checking accounts
- Personal, business and home loans
- Business checking accounts
- Mortgages
- Auto financing
- Merchant services for businesses
- Investments

Overall Opinion of Chase Bank & Their Credit Card Offerings

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.

EXPERT OPINION

"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

Still Not Sure About This Issuer? Consider These Options.

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.

Learn More About Credit Cards in General

sources

Chase Credit Cards. "All Credit Cards." Accessed January 13, 2022.
Chase Credit Cards. "Chase Freedom Unlimited Credit Card." Accessed January 13, 2022.
Chase. "Homepage." Accessed January 13, 2022.
Chase. "Ultimate Rewards." Accessed January 13, 2022.
CloudApp. "Southwest Rapid Rewards Credit Card." Accessed February 9, 2022.
J.D. Power. "While Many U.S. Credit Card Issuers Struggle to Meet Evolving Customer Expectations, Some Bright Spots Exist, J.D. Power Finds." Accessed January 13, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.