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.

Last Updated: 5/13/2022
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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 for March 2022

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.


  • Chase Ink Business Cash

    Fantastic card for earning rewards on office supplies


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on TV, Phone, Internet Services
    • 2xRewards Rate on Dining

    Terms, rates and fees apply


  • Chase Freedom Unlimited

    An excellent no-annual-fee card that lets you earn unlimited cash back


    • ExcellentCredit Needed
    • $0Annual Fee
    • 1.5–5% Cash BackRewards Rate
    • 3xRewards Rate on Dining
    • 5xRewards Rate on Air Travel


  • Chase Freedom Flex

    An easy-to-use cash back card with quarterly rotating bonus categories


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on Air Travel
    • 3xRewards Rate on Dining

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:

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    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.

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    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.

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    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.

  • This is an icon

    Students looking for their first card

    The Chase Freedom Student 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

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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.
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.