Best Chase Credit Cards of July 2024 (2025)

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The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®, Chase Freedom Rise℠. The details for these products have not been reviewed or provided by the issuer.

Introduction to the Best Chase Credit Cards

Credit card points and frequent flyer miles are incredibly useful, no matter what program you earn them with or what you eventually choose to do with them. While there are a few different types of credit card rewards, you benefit regardless of which kind your card earns by collecting a rebate on your everyday spending — as long as you practice financial discipline and pay off your statement in full each month.

Take a look below at our choices of the best available Chase-branded credit cards including our overall top pick, the Chase Sapphire Preferred® Card.

Best Chase Credit Cards of July 2024

• Best overall for travel rewards: Chase Sapphire Preferred® Card
• Best premium card with airport lounge access: Chase Sapphire Reserve®
• Best for 1.5% cash back on everything: Chase Freedom Unlimited®
• Best for 5% bonus categories: Chase Freedom Flex®
• Best for building credit: Chase Freedom Rise℠

Looking for a business credit card? Read our guide to find the best Chase business credit card for your needs.

Compare the Top Chase Credit Cards

Chase Credit Card Reviews

Chase is one of the most beloved credit card issuers, for very good reason. Each card mentioned in this guide represents the best of what Chase has to offer, whether it's bonus rewards on travel and dining or generous trip insurance, travel benefits, or purchase protection.

These are the best Chase credit cards of 2024, as chosen by Business Insider's credit card experts.

Best Overall for Travel Rewards: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card has a reasonable annual fee and great benefits, and comes with an excellent welcome bonus offer.

The Sapphire Preferred offers a substantial welcome bonus offer for a moderate annual fee. It earns 5x points on travel purchased through Chase Travel℠ (2x points on all other travel purchases), 3x points on dining, 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs), 3x points on select streaming services, and 1 point per dollar on everything else.

Points are worth 1.25 cents on travel booked through Chase, but you can still transfer them to Chase's frequent flyer and hotel loyalty program partners. You'll also receive primary car rental insurance coverage, trip delay coverage,purchase protection, and a 10% anniversary points bonus. The annual fee is a manageable $95.

Read our Chase Sapphire Preferred card review to learn more about this card.

Best Premium Card: Chase Sapphire Reserve®

The Chase Sapphire Reserve® makes it easy to earn rewards for travel and more with a great welcome bonus offer and a lucrative points-earning scheme.

With 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Travel℠ (after earning the $300 travel credit), 3x points on other travel and dining, and 1 point per dollar on everything else, the Sapphire Reserve earns points quickly through your everyday spending, and it comes with a slew of perks.

Points are worth 1.5 cents each toward travel booked through Chase, but you can also transfer them to over a dozen Chase airline and hotel partners — typically, this gets you the most value for your points. Benefits include trip delay coverage, purchase protection, up to $100 to cover the Global Entry, TSA PreCheck, or NEXUS application fee, and primary car rental insurance.

You also have access to airport lounges through the Priority Pass network, and can visit Chase Sapphire Lounges in JFK, LaGuardia, Boston, and Hong Kong, as well as the Chase Sapphire Terrace at Austin airport. Most Priority Pass lounges are in international terminals, however, which isn't helpful when you're flying within the U.S.

The annual fee is $550, but that's offset by up to a $300 travel credit each year, which is good for things like taxis, subway fares, parking, tolls, and flights.

There aren't many downsides to this card — besides the upfront annual fee. Chase has invested heavily in making the Chase Ultimate Rewards® program competitive. Booking flights by transferring points to frequent flyer partners is generally more lucrative — that's usually how people use points to fly in first and business class — but it can be complicated because you have to decipher award charts, find availability, and work around often complex airline rules.

However, because the Sapphire Reserve allows you to get 1.5 cents for each point when you book paid travel through the Chase Travel℠, there's a simpler and still-valuable option.

Read our Chase Sapphire Reserve credit card review to learn more about this card.

Best for Everyday Spending: Chase Freedom Unlimited®

The Chase Freedom Unlimited® helps you earn points for everyday purchases and get cash back with no annual fee.

If you already have the Sapphire Reserve or the Chase Sapphire Preferred® Card and are saving your points for a big redemption, the Freedom Unlimited can give your balance a nice boost. While Chase markets the card as "cash back," it actually earns Chase Ultimate Rewards® points that you can redeem for cash, gift cards, travel, and more (1 point = 1 cent).

If you have a premium card like the Sapphire Reserve, you can pool your points from the two cards. The Freedom Unlimited earns a minimum of 1.5% cash back (or 1.5 points per dollar spent), so paired with a Sapphire Reserve, it's a great card to use for purchases that aren't made on travel expenses or dining.

The Freedom Unlimited also earns 5% cash back on travel booked through Chase and 3% back on dining and drugstore purchases. Best of all, the card has no annual fee and comes with a 0% intro APR on purchases and balance transfers for the first 15 months. After that, there's a 20.49% - 29.24% Variable APR. If you have a major purchase ahead of you, that introductory offer can be useful.

The Chase Freedom Unlimited is a fantastic all-around card. However, to get the most value when it's time to spend your points, you need the Sapphire Reserve,Chase Sapphire Preferred® Card, or Ink Business Preferred® Credit Card, too, so you can pool your points. Otherwise, points are only worth 1 cent each no matter how you use them and they can't be transferred to airline or hotel partners.

Read our Chase Freedom Unlimited review to learn more.

Best for Bonus Categories: Chase Freedom Flex®

The Chase Freedom Flex® offers 5% cash back or 5x points on up to $1,500 of spending in categories that rotate each quarter when you activate (then 1%), in addition to 5% back on travel booked through Chase Travel℠, 3% back on dining and drugstore purchases, and 1% back on everything else

Just like the Chase Freedom Unlimited, the Chase Freedom Flex® is marketed as a cash-back card, but actually earns Chase Ultimate Rewards® points that you can redeem for cash, gift cards, and travel (1 point = 1 cent). You can combine them with Chase Ultimate Rewards® earned from a different card, which gives you the option to get a bonus when redeeming them for travel or transfer them to travel partners.

The key feature of the Chase Freedom Flex® is that it earns 5% cash back (5x points) on up to $1,500 spent per quarter once activated in rotating quarterly bonus categories. In the past, quarterly categories have included Amazon, grocery stores, and gas stations.

However, that's not where the bonus cash back ends; the Chase Freedom Flex® also earns 5% cash back (with no cap) on travel purchased through Chase Travel℠, 3% back on dining and drugstore purchases, and 1% back on everything else.

It doesn't have an annual fee, and there's a 0% intro APR on purchases and balance transfers for the first 15 months (with a 20.49% - 29.24% Variable APR afterward).

Read our Chase Freedom Flex credit card review to learn more.

Best if You Have No Credit History: Chase Freedom Rise℠

A new product called the Chase Freedom Rise℠ is specifically designed for people with no credit history at all. This no-annual-fee card earns 1.5% cash back on all purchases, which is generous for a starter credit card.

You can't apply for this card online. Instead, you'll need to visit a Chase bank branch and work directly with a banker. You have the best chance of being approved for this card if you have a Chase checking account with a minimum account balance of $250, or open one within two days of applying for the card. You won't need to maintain that checking account balance after you've been approved for the card.

Cardholder who enroll in autopay within 90 days of opening the Chase Freedom Rise℠ will earn a $25 statement credit.

Chase Credit Card Consumer Insights

We've shared our top insights here, but consumer feedback is also really important to consider when evaluating your next credit card. Our experts scoured Reddit, FlyerTalk, and other popular forums to summarize common themes from current cardholders.

Chase cardholders emphasize how easy it is to use Ultimate Rewards for different redemptions. If you just want a single card with no annual fee and cashback rewards, the Chase Freedom Flex® or the Chase Freedom Unlimited will work well for most everyday spend categories. If you're open to holding more than one Chase card, pairing either of the cards mentioned above with a Chase Sapphire Preferred Card orSapphire Reserve can expand your redemption possibilities.

Chase Credit Card Frequently Asked Questions

Why You Should Trust Us: How We Chose the Best Chase Credit Cards

Chase issues a lot of extremely valuable credit cards. We landed on the best of the best in this post by only including Chase-branded credit cards with one or more of the following attributes:

• A sizable welcome bonus
• Above-average return rates
• Valuable ongoing benefits

We take a look at the pros and cons of each credit card in narrow categories to determine which card has the highest upside for each financial situation.

Here's more abouthow we rate and review credit cards at Business Insider.