Chase Bank Credit Card Reviews, Rules & Opinions

ByDoug Milnes, CFA
Reviewed byLee Huffman
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ByDoug Milnes, CFA
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Reviewed byLee Huffman
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Updated: June 12, 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.

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 2024

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

Rewards RateEarn 5% cash back on the first $25,000 spent in co...
Annual Fee$0
APR18.49% – 24.49% Variable
Recommended CreditGood–Excellent
Chase Freedom Unlimited®

Rewards RateEarn 3% on dining at restaurants, including takeou...
Annual Fee$0
APR20.49%–29.24% variable
Recommended Credit670–850 (Good to Excellent)
Chase Freedom Flex® Card

Rewards Rate- Earn 5% cash back on different categories like g...
Annual Fee$0
APR20.49%–29.24% variable
Recommended Credit670–850 (Good to Excellent)

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.

What is the accepted credit score range for most cards?
How many cards can you own?
How many times can you apply?
How many times can you get approved?
How many times can you claim a welcome bonus?

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.

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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.

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:

    boyThinking icon

    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.

    worldTraveler icon

    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.

    businessOwner icon

    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.

    highschoolStudent icon

    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.

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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

About Doug Milnes, CFA


Doug Milnes, CFA headshot

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.


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*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.
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