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The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®, Chase Freedom® Student credit card, Amazon Visa, Southwest Rapid Rewards® Premier Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bountiful™ Card, Marriott Bonvoy Bold® Credit Card, Instacart Mastercard®, Ink Business Premier® Credit Card, United Club℠ Business Card. The details for these products have not been reviewed or provided by the issuer.
The bottom line: You may prefer Chase to other banks if you like a nationwide branch and ATM network. Chase is listed in our guides for best credit cards and best mortgage lenders. Other financial institutions pay higher interest rates on savings accounts, though.
Business Insider's personal finance team compared Chase Bank to the best banks and found it to be an industry leader in some areas, such as checking accounts for nationwide banks, mortgages, and credit cards, and standard in other areas, such as traditional savings accounts.
Chase Overall Rating
| Feature | Business Insider rating (out of 5) |
| Banking | 3 to 4.25 |
| Personal credit cards | 2.75 to 4.4 |
| Business credit cards | 3.75 to 4.55 |
| Mortgages | 4.12 |
| Investing | 4.71 |
| Trustworthiness | 4 |
| Total | 4 |
Chase Bank Pros and Cons
| Pros | Cons |
|
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About Chase
Chase is a brick-and-mortar bank with 4,700 branches and more than 16,000 free ATMs. Bank accounts can be opened online from anywhere in the continental U.S.
For specific Chase locations, customer support may vary depending on where you live. However, generally, branches have customer support available on weekdays from 9 a.m. to 5 p.m. for that time zone.
Its mobile app is rated 4.8 out of 5 stars in the Apple store, and 4.3 out of 5 stars in the Google Play Store.
Chase is FDIC-insured. Up to $250,000 per depositor, per category is secure in an individual bank account.
Is Chase Trustworthy?
We use ratings from the Better Business Bureau to see how banks respond to customer issues. The BBB gives Chase an A+ rating.
Chase does have a recent public controversy, though.
In 2023, JP Morgan Chase was required to pay $75 million in a settlement with the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein's sex trafficking operation.
Chase Bank Fees and Charges
Chase Bank Monthly Maintenance Fees
Depending on which Chase Bank services you're interested in, you might end up with monthly service fees. For example, Chase Savings℠ and Chase Premier Savings℠ Account come with a monthly service fee, and several of Chase's checking accounts come with monthly service fees as well.
Chase's bank accounts generally come with ways to waive those fees, but if you can't meet those requirements, you might be more interested in banks that avoid bank fees instead.
Chase Bank Overdraft Fees
Chase is not a bank that avoids overdraft fees entirely; it charges a $34 overdraft fee if you make a purchase your account can't cover. However, Chase does let you hook up your Chase savings account in case of overdrafts, letting you automatically pull funds from your savings account to cover purchases your checking account doesn't have money for. You won't have to pay a fee if Chase ends up pulling funds from your savings account.
Chase Bank ATM Fees
No matter what, you won't have to pay ATM fees if you go to a Chase ATM. There are 16,000 Chase ATMS across the U.S., so there's a good chance you'll be able to find an in-network ATM near you. If you want to avoid ATM fees at out-of-network ATMs, even those outside of the U.S., Chase Sapphire℠ Banking is your best bet. Not only does the account not come with any ATM fees no matter where you are in the world, but you'll also be refunded any ATM fees that out-of-network ATM providers might charge you.
Chase Bank's Mobile and Online Banking
Chase Bank's Mobile App Features
Chase Bank has a mobile banking app so you can still access your account no matter where you are. Chase Bank mobile banking is on our best mobile banking app guide, as it has high reviews on both the Apple App Store and the Google Play store.
Chase Bank's Online Banking Tools
You can also access your account through Chase Bank's website. This means you get many of the accessibility perks that online banks come while still being able to bank at physical branches. Online banks will still give you better interest rates on average, though.
Chase Bank Customer Service and Support
Chase's customer service hours will differ depending on where you are and what service you need. There are some 24/7 customer service options, but it's more likely that you'll need to call or visit a branch during business hours.
Chase Bank FAQs
Chase offers many different personal and business banking services, such as savings accounts, checking accounts, credit cards, and mortgages. It also offers investing services and wealth management through the J.P. Morgan side of the company.
Depending on the account you're interested, you might end up paying monthly service fees, overdraft fees, minimum opening deposits, and ATM fees. Some of these fees can be waived if you meet the requirements, though.
You can contact Chase Bank customer service by calling, sending an email, sending physical mail, or going into a physical branch and asking for help.
The pros of banking with Chase include having access to several of its highly-rated services, such as its credit cards and mortgage services, as well as being able to go into a physical branch and bank nationwide. Some of the cons of banking with Chase include low-interest traditional savings accounts and some fees, depending on what accounts you use.
Chase Banking Review
Chase Savings℠
$5 monthly service fee
0.01%
$0
- No minimum opening deposit
- Relatively easy to waive $5 monthly fee
- Link to a Chase checking account for free overdraft protection
- Low APY
- Interest compounded monthly, not daily
- $5 monthly service fee
- Access to 15,000 Chase ATMs and over 4,700 branches
- Link this account to your Chase checking account for Overdraft Protection
- Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
- Manage your accounts, deposit checks, transfer money and more — all from your device
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Member FDIC
Chase Premier Savings℠ Account
$25 monthly service fee
0.01% to 0.02%
$25
- Earn slightly better APY with relationship rates
- Link to a Chase checking account for free overdraft protection
- Low APY
- $25 monthly fee
- Access to 15,000 ATMs and over 4,700 branches
- Earn a standard rate on 0.01% APY; Earn a relationship rate of 0.02% APY when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account AND make 5 monthly transactions from your linked checking account
- Waive $25 monthly maintenance fee when you maintain a $15,000 daily balance, OR when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account
- Chase Mobile® app: Manage your accounts, deposit checks, transfer money and more — all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com
Chase has a traditional savings account and a premium savings account. The main downside to both accounts is that they pay low savings rates.
According to the FDIC, the average savings account in the U.S. has an interest rate of 0.40% APY. If you are looking to earn a more competitive interest rate, read through our best savings account guide.
See Business Insider's comprehensive Chase Bank Savings Accounts Review.
Chase Total Checking®
$12 monthly service fee
None
$0
$300
- No required opening deposit
- Over 4,700 branches
- $300 sign-up bonus
- Free overdraft protection when you link to savings for automatic transfers
- $12 monthly fee unless you meet direct deposit or minimum balance requirements
- Fees for non-Chase ATMs
- $34 overdraft and non-sufficient funds fees (no fee if you're overdrawn by $50 or less at the end of the business day)
There are several Chase checking accounts, and Chase Total Checking® is the bank's most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $300 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase's other options could be a better fit.
Chase Total Checking- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Secure Banking℠
$4.95 monthly service fee
None
$0
$100
- No minimum opening deposit
- No overdraft fees
- Free money orders and cashier's checks
- Early direct deposit (up to 2 days early)
- $100 bonus
- $4.95 monthly service fee
- No overdraft protection
- Fees for non-Chase ATM
- Does not include paper checks
- No wire transfers to or from this account with qualifying transactions
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn't matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Chase Secure Banking℠- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
See Business Insider's Chase Secure Banking Review.
Chase Premier Plus Checking℠
$25 monthly service fee
0.01%
$0
- No required opening deposit
- Over 4,700 branches
- Four waived out-of-network fees per month
- Free Chase design checks, cashier's checks, and money orders
- Waive monthly fees on 2 other Chase checking accounts when linked to this account, and to Chase savings accounts excluding Chase Private Client Savings
- Possible to waive monthly service fee
- Enroll in free overdraft protection that moves money from savings to checking
- Chase Overdraft Assist lets you overdraw by up to $50 without paying a fee
- $25 monthly fee unless you qualify to waive it
- $3 fee for out-of-network ATMs
- $34 overdraft and non-sufficient funds fees
- Doesn't refund any fees charged by out-of-network ATMs
- The $25 monthly service fee is waived when you have an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account OR for current servicemembers and veterans of the U.S. Armed Forces with a qualifying military ID
- No Chase fee on first four non-Chase ATM transactions per statement period
- Earn interest on your checking account balance
- Access to 15,000 Chase ATMs and over 4,700 branches
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Sapphire℠ Banking
$25 monthly service fee
0.01%
None
- No required opening deposit
- Over 4,700 branches
- No out-of-network ATM fees worldwide
- Unlimited out-of-network ATM fee reimbursements
- No foreign exchange rate adjustment fees
- No incoming or outgoing wire transfer fees
- No stop payment fees
- No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods, combined
- Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Banking (excluding Chase Private Client Checking and Savings)
- Enroll in free overdraft protection to move money from savings to checking
- Overdraft Assist lets you overdraw by up to $50 without charging a fee
- Exclusive entertainment and sports event benefits
- $25 monthly fee unless you have a combined $75,000 in Chase Sapphire and other qualified Chase accounts
- $34 overdraft and non-sufficient funds fees
- The information related to the Chase Sapphire℠ Banking has been collected by Business Insider and has not been reviewed by the issuer
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Waive $25 monthly service fee by maintaining an average daily balance of $75,000 combined in all of your Chase bank accounts and partner investment accounts
See Business Insider's Chase Sapphire Banking Review.
Chase Private Client Checking℠
$35 monthly service fee
0.01% as of 06/28/2024
None
up to $3,000
- Earn up to $3,000 cash bonus
- No foreign exchange rate adjustment fees
- Unlimited out-of-network ATM fee refunds
- No fees on the first 4 overdrafts during the current and previous 12 statement periods
- No incoming or outgoing wire transfer fees
- Higher deposit and withdrawal limits than other Chase checking accounts
- Free personalized checks
- Access to a Chase Private Banker
- Access to a Business Relationship Manager
- Access to exclusive offers on sport and entertainment events
- Discounts on home and auto loans
- You must have $150,000 in this account and any eligible linked Chase bank and investment accounts to qualify
- $35 monthly service fee, unless you qualify to waive it
- $34 overdraft and non-sufficient funds fees
Chase Private Client Checking℠ could be a good fit if you want access to a Chase Private Banker, Business Relationship Manager, and discounts on auto and home loans. But if you don't have at least $150,000 in a combination of your accounts, you won't qualify to open an account or to waive the monthly fee.
Chase Private Client Checking℠- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
Chase has a variety of personal checking accounts. The best option for you will likely depend on the features you prioritize most in a checking account and whether you meet the requirements for monthly service fees.
It should be noted that Chase Private Client Checking, Chase Total Checking, and Chase Secure Banking are all listed in our best bank account bonuses guide. These accounts have cash bonuses for new customers.
See Business Insider's comprehensive Chase Bank Checking Accounts Review.
Chase Business Complete Checking
$15 monthly service fee
None
$0
$300
- No minimum opening deposit
- Unlimited monthly debit card transactions
- 20 free transactions made with checks or a bank teller each month
- Possible to waive the monthly service fee
- Large free ATM network
- $15 monthly service fee
- After the 20-transaction limit, you'll pay $0.40 per transaction with a bank teller and for checks
Chase Bank business checking accounts could be worthwhile if you're a small business owner who wants to open an account with one of the best national banks. Chase Business Complete Checking, in particular, is a solid option if you're a new customer who qualifies for a cash bonus.
Chase Business Complete Checking- Around 4,700 branches in 48 US states and Washington, DC
- Access to 16,000 free ATMs
- Deposit $5,000 in cash for free per statement cycle
- Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink Business credit card.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Member FDIC
Chase Performance Business Checking
$30 monthly service fee
None
$0
- 250 free transactions per month
- Up to $20,000 in free cash deposits per month
- No incoming wire transfer fee
- No out-of-network ATM fees by Chase
- No fee for counter checks
- No fee for money orders
- No fee for cashier’s checks
- 2 most expensive outgoing domestic wire transfers per month are free
- Possible to waive monthly service fee
- Overdraft protection options available
- $30 monthly service fee
- $34 overdraft fee
- $25 to $35 outgoing domestic wire transfer fee
- International wire transfer fees depends on the amount and how it is sent (online or at a branch)
- $0.40 fee for each excess transaction per month
Chase Bank business checking accounts could be worthwhile if you're a small business owner who wants to open an account with one of the best national banks.
Chase Performance Business Checking- There’s an interest-bearing option available
- To waive a $30 monthly service fee, have an average beginning day balance of $35,000 or more across qualifying Chase business bank accounts
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day
- Member FDIC
Chase Platinum Business Checking
$95 monthly service fee
None
$0
- 500 free transactions per month
- Up to $25,000 in free cash deposits per month
- No incoming wire transfer fees
- 4 most expensive outgoing wire transfers per month are free
- 1 overdraft fee waived per statement period
- No out-of-network ATM fees by Chase
- No fee for counter checks
- No fee for money orders
- No fee for cashier’s checks
- Possible to waive the monthly service fee
- Overdraft protection options available
- $25 to $35 outgoing domestic wire transfer fee
- $34 overdraft fee
- $0.40 for each excess transaction per month
- International wire transfer fees depend on the amount and how it is sent (online or at a branch)
Chase Bank business checking accounts could be worthwhile if you're a small business owner who wants to open an account with one of the best national banks.
Chase Platinum Business Checking- To waive the $95 monthly service fee, keep an average beginning day balance of $100,000 of more across qualifying Chase bank accounts or investment accounts ($50,000 when linked to Chase Private Client Checking, JPMorgan Classic Checking, or Private Client Checking Plus)
- No outgoing wire transfer fees when linked to Chase Private Client Checking, JPMortgan Classic Checking, or Private Client Checking Plus
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day
- Member FDIC
In addition to personal checking accounts, Chase has business checking accounts. All of them come with a monthly service fee, although the exact fee will differ depending on the account. The best free business checking accounts might be more interesting to you if you can't meet the requirements to waive these accounts' monthly service fees.
See Business Insider's comprehensive Chase Business Checking Review.
Chase CD
0.01% to 4.75% (vary by location)
$1,000
- CD terms up to 10 years
- Compounds interest daily
- Low APY
- $1,000 opening deposit
- You must have a checking or savings account to open a CD online
- Terms ranging from 1 month to 10 years
- Early withdrawal penalties ranging from 90 to 365 days interest
- All balances and terms earn a standard rate of 0.01% APY
- You can only open a CD online if you already have a Chase checking or savings account, otherwise visit a branch
- FDIC insured
See Business Insider's Chase CD Review.
Chase has CD terms from one month to 10 years, which is a greater variety than most banks offer.
The standard interest rate is the same as the savings account's rate, but you'll earn a better "relationship rate" if you also have a Chase checking account. Online banks and credit unions pay higher interest rates overall, though.
Chase First Banking℠ Account
no monthly service fee
None
$0
- No minimum opening deposit
- No monthly service fees
- Debit card included
- Savings tools to help kids set goals
- Parental monitoring tools that let you set up alerts or limits on purchases
- Unable to earn interest on account
- Fee for non-Chase ATMs
- -
See Business Insider's Chase First Banking Review.
Chase High School Checking
no monthly service fee
None
$0
- No minimum opening deposit
- No monthly service fees
- Debit card included
- Budgeting tools and alters to help teens save
- Parental monitoring features to track spending
- Non-US citizens are eligible to open an account in any Chase branch
- $2.50 out-of-network ATM fee
- Standard Overdraft Practice is not available
- Parent must have a qualifying checking account
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Account must be linked to a parent/guardian's personal checking account (Chase High School Checking, Chase College Checking, Chase Secure Checking and Chase First Checking do not apply)
- Chase High Checking account converts into a Chase Total Checking Account after you turn 19
- Member FDIC
Chase College Checking℠
$12 monthly service fee
None
$0
$100
- No monthly maintenance fee for a Chase savings account linked to this account
- No required opening deposit
- Over 4,700 branches
- Relatively easy to waive monthly fee
- $12 monthly maintenance fee
- $3 to $5 out-of-network ATM fee
- No out-of-network ATM fee reimbursements
- 3% foreign transaction fee
- $34 overdraft and non-sufficient funds fees
Chase is one of the best national banks out there, and it offers multiple checking accounts. Your best fit could come down to what perks you want and whether you can waive the monthly fee. Chase is a good option if you're looking for a cash bonus — several of its checking accounts are featured in our best bank account bonuses guide.
Chase College Checking℠- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
Chase could be a good option if you're looking for banking options for kids, teens, or college students. Chase First Banking℠ is a top pick in our best kid's savings accounts guide because it has useful management features for both kids and parents.
Chase College Checking℠ is also included in our guide for best bank accounts for college students because of easy branch and ATM access. You can also earn a bonus of $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment (offer expires 10/16/2024).
Chase Personal Credit Cards Review
-
Chase Freedom Unlimited®
-
Chase Freedom Flex®
-
Chase Freedom® Student credit card
-
Chase Slate Edge℠
-
Chase Sapphire Preferred® Card
-
Chase Sapphire Reserve®
-
Prime Visa
-
Amazon Visa
-
Southwest Rapid Rewards® Plus Credit Card
-
Southwest Rapid Rewards® Priority Credit Card
-
Southwest Rapid Rewards® Premier Credit Card
-
United℠ Explorer Card
-
United Quest℠ Card
-
United Gateway℠ Card
-
United Club℠ Infinite Card
-
Aeroplan® Credit Card
-
Marriott Bonvoy Boundless® Credit Card
-
Marriott Bonvoy Bountiful™ Card
-
Marriott Bonvoy Bold® Credit Card
-
IHG One Rewards Premier Credit Card
-
IHG One Rewards Traveler Credit Card
-
The World Of Hyatt Credit Card
-
British Airways Visa Signature® Card
-
Aer Lingus Visa Signature® Card
-
Iberia Visa Signature® Card
-
DoorDash Rewards Mastercard®
-
Instacart Mastercard®
Chase Freedom Unlimited®
$0
0% intro APR on purchases and balance transfers for the first 15 months
20.49% - 29.24% Variable
Earn an additional 1.5% cash back on everything you buy
Good to Excellent
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
- Some other cards offer a higher rate of cash back on certain types of purchases
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
See Business Insider's Chase Freedom Unlimited Review.
Chase Freedom Flex®
$0
0% intro APR on purchases and balance transfers for the first 15 months
20.49% - 29.24% Variable
Earn $200 cash bonus
Good to Excellent
- No annual fee
- Generous bonus cash-back categories
- Great welcome bonus
- Booking through Chase Travel℠ can restrict outside earning potential
- Varying percentages and rotating calendar categories require extra attention
- 3% foreign transaction fees
The Chase Chase Freedom Flex® is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.
Chase Freedom FlexSee Business Insider's Chase Freedom Flex Review.
Chase Slate Edge℠
$0
0% intro APR on purchases and balance transfers for 18 months from account opening
20.49% - 29.24% Variable
N/A
Good to Excellent
- Introductory APR on purchases and balance transfers for the first 18 months
- No annual fee
- Potential for automatic consideration for credit limit increases and purchase APR reductions
- Card doesn’t earn rewards beyond the welcome bonus
- Other cards have longer intro APR offers
- Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments
If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.
Chase Slate EdgeSee Business Insider's Chase Slate Edge Credit Card Review.
Chase Sapphire Preferred® Card
$95
N/A
21.49% - 28.49% Variable
Earn 60,000 bonus points
Good to Excellent
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn't offer a Global Entry/TSA PreCheck application fee credit
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Sapphire Preferred Card- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
See Business Insider's Chase Sapphire Preferred Credit Card Review.
Chase Sapphire Reserve®
$550
N/A
22.49% - 29.49% Variable
Earn 60,000 bonus points
Good to Excellent
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Chase Sapphire Reserve- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
See Business Insider's Chase Sapphire Reserve Credit Card Review.
Prime Visa
$0
N/A
20.49% - 29.24% Variable
Earn a $100 Amazon gift card
Good to Excellent
- 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
- Good travel benefits and purchase protections
- No annual fee
- Must be an Amazon Prime member to qualify
- Other cards offer higher cash-back rates on non-Amazon purchases
The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.
Prime Visa- Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
See Business Insider's Amazon Prime Visa Credit Card Review.
Amazon Visa
$0
N/A
18.99% - 26.99% variable
Earn a $60 Amazon gift card and up to $1,500 cash back
Good to Excellent
- Earn 3% back at Amazon, Whole Foods, and on travel booked through Chase
- Good travel benefits and purchase protections
- No annual fee or requirement to be an Amazon Prime member
- Other cards offer higher cash-back rates on non-Amazon purchases
Southwest Rapid Rewards® Plus Credit Card
$69
N/A
21.49% - 28.49% Variable
Earn 50,000 bonus points
Good to Excellent
- Earns Southwest points on every purchase
- You get 3,000 points every year after your cardmember anniversary
- Charges foreign transaction fees
- Very limited benefits
The Southwest Rapid Rewards® Plus Credit Card is a solid choice if you fly with Southwest and want to earn a lucrative welcome bonus for the lowest annual fee. However, if you fly Southwest often, other Southwest personal cards could be a better fit if you can make the most of the benefits.
Southwest Rapid Rewards® Plus Credit Card- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
See Business Insider's Southwest Rapid Rewards Plus Credit Card Review.
Southwest Rapid Rewards® Priority Credit Card
$149
N/A
21.49% - 28.49% Variable
Earn 50,000 bonus points
Good to Excellent
- Generous annual benefits, including a Southwest travel credit and 7,500 anniversary points, plus upgraded boardings and in-flight discounts
- If you fly Southwest several times a year, the benefits easily outweigh the annual fee
- Annual fee is low compared to other premium airline credit cards
- Highest annual fee among Southwest consumer cards
If you can make use of the Southwest Rapid Rewards® Priority Credit Card's many benefits and perks, it's well worth the annual fee. Otherwise, have a look at other Southwest cards like the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card, which have lower annual fees but the same elevated welcome bonus offer.
Southwest Rapid Rewards® Priority Credit Card- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
See Business Insider's Southwest Rapid Rewards Priority Credit Card Review.
Southwest Rapid Rewards® Premier Credit Card
$99
N/A
21.49% - 28.49% Variable
Earn 50,000 bonus points
Good to Excellent
- You get 6,000 points each year after anniversary
- You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
- Annual fee
The Southwest Rapid Rewards® Premier Credit Card is worth considering if you fly Southwest, even occasionally. This card strikes the best balance between valuable benefits and a moderate annual fee.
Southwest Rapid Rewards® Premier Credit CardSee Business Insider's Southwest Rapid Rewards Premier Credit Card Review.
United℠ Explorer Card
$0 intro for the first year, then $95
N/A
21.99% - 28.99% Variable
Earn 50,000 bonus miles
Good to Excellent
- Annual fee is waived the first year
- Earns bonus miles on several purchase categories, including dining
- Includes an application fee credit for Global Entry or TSA PreCheck
- Gets you a free checked bag on United when you pay with the card
- Not the most rewarding card for most non-United travel purchases
The United Explorer card is the best all-around credit card for United flyers, offering a generous range of benefits for a modest annual fee. Cardholders receive a free checked bag, priority boarding, and inflight discounts on United flights, plus two one-time United Club airport lounge passes each year for your anniversary.
United Explorer Card- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Member FDIC
See Business Insider's United Explorer Card Review.
United Quest℠ Card
$250
N/A
21.99% - 28.99% Variable
Earn 60,000 bonus miles and 500 Premier qualifying points
Good to Excellent
- Substantial intro bonus offer
- A free first and second checked bag
- Up to $125 in annual credits toward United® purchases can offset half the annual fee
- 5,000-mile award flight credit can help you stretch your United miles
- High $250 annual fee
- Card doesn’t offer United Club lounge access or passes
If you fly United Airlines, even just a couple of times a year, the United Quest℠ Card should be on your radar. It comes with unique perks that can save you big time when you travel — such as two free checked bags when flying on United, up to $125 in automatic statement credits toward United purchases, and more.
United Quest℠ Card- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
- Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
See Business Insider's United Quest Card Review.
United Gateway℠ Card
$0
0% intro APR on purchases for 12 months from account opening
21.99% - 28.99% Variable
Earn 20,000 bonus miles
Good to Excellent
- No annual fee
- Good bonus categories (including gas stations and local transit/commuting)
- Access to expanded United award availability
- Other United credit cards have much higher welcome bonuses
- No free checked bag benefit like other United cards
- Few United perks other than 25% back on inflight purchases
The United Gateway℠ Card isn't the best credit card for United flyers, but it can be a good option if you want an airline credit card but you never, ever want to pay an annual fee. With the card, you'll earn United miles and access expanded award availability, but you'll wind up with a relatively low welcome offer and few cardholder perks.
United Gateway℠ Card- Earn 20,000 bonus miles
- No annual fee
- Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
- Earn 2 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent at gas stations, on local transit and commuting
- Earn 1 mile per $1 spent on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Member FDIC
See Business Insider's United Gateway Credit Card Review.
United Club℠ Infinite Card
$525
N/A
21.99% - 28.99% Variable
Earn 80,000 bonus miles
Excellent
- Great intro bonus offer
- If you want United Club membership, this card gets you it for less than buying it outright
- Get two free checked bags on United
- Earns 4x miles on United® purchases
- Steep annual fee, especially for an airline credit card
- The non-United bonus categories (travel and dining) only earn 2x miles
While a few of the best travel credit cards are great for United flyers, the United Club℠ Infinite Card is the most high-end of the bunch. Not only does it offer a full United Club airport lounge membership, but it can also help you rack up the miles for free trips quickly through everyday spending.
United Club℠ Infinite Card- Earn 80,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
See Business Insider's United Club Infinite Card Review.
Aeroplan® Credit Card
$95
N/A
21.74% - 28.74% Variable
Earn 70,000 bonus points
Good to Excellent
- Generous welcome bonus which you can use for Air Canada and Star Alliance partner award flights
- Free first checked bag on Air Canada flights for cardholder and up to eight companions
- Automatic Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year (priority check-in, early boarding, upgrades on Air Canada flights)
- Redeem points toward any travel purchase at 1.25 cents each through Pay Yourself Back
- After the first two calendar years, you’ll need to requalify for 25K elite status by spending $15,000 in a calendar year
- Card doesn’t offer airport lounge access or passes
The Aeroplan® Credit Card comes with a great welcome bonus, excellent travel perks, and a range of benefits that incentivize big spending on the card. It's also got a feature unique among airline cards — cardholders can now redeem points through Chase Pay Yourself Back for any travel purchase.
Chase Aeroplan® Credit Card- Earn 70,000 bonus points
- Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
- Member FDIC
See Business Insider's Aeroplan Credit Card Review.
Marriott Bonvoy Boundless® Credit Card
$95
N/A
21.49% - 28.49% Variable
Earn 3 Free Night Awards (each night valued up to 50,000 points)
Good to Excellent
- Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
- The only lucrative bonus category is participating Marriott Bonvoy hotels
- Upgrading to Gold status requires spending $35,000 on the card in an account year
If you want to earn Marriott points on your everyday spending, the Marriott Bonvoy Boundless® Credit Card is a great option with a reasonable annual fee and a generous welcome bonus offer. It comes with good benefits, including a free night award each card anniversary and elite status credits for meeting spending thresholds.
Marriott Bonvoy Boundless CardSee Business Insider's Marriott Bonvoy Boundless Credit Card Review.
Marriott Bonvoy Bountiful™ Card
$250
N/A
21.49% - 28.49% Variable
Earn 85,000 bonus points
N/A
- Substantial welcome offer and 4x bonus points on dining worldwide and U.S. supermarkets
- Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays)
- Earn 1,000 bonus Marriott points per stay
- High annual fee
- No free night award after your account anniversary; must spend $15,000 in a year to earn
- 4x points capped at $15,000 in combined purchases on dining and U.S. supermarkets
The Marriott Bonvoy Bountiful™ Card comes with automatic Gold elite status and other perks that appeal to frequent Marriott travelers. However, it's got a $250 annual fee, so unless you can maximize its benefits, a different Marriott card would be a better fit.
Marriott Bonvoy Bountiful™ CardSee Business Insider's Marriott Bonvoy Bountiful Card Review.
Marriott Bonvoy Bold® Credit Card
$0
N/A
21.49% - 28.49% Variable
Earn 60,000 bonus points and one free night award
Good to Excellent
- No annual fee
- Cardholders get 15 elite night credits toward status
- Only offers strong rewards for Marriott purchases
The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.
Marriott Bonvoy Bold® Credit CardSee Business Insider's Marriott Bonvoy Bold Credit Card Review.
IHG One Rewards Premier Credit Card
$99
N/A
21.49% - 28.49% Variable
Earn 5 free nights valued at up to 300,000 points
Good to Excellent
- Anniversary reward night can be worth more than the annual fee
- Could offer better rewards on non-IHG purchases
If you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cash and valuable annual spending incentives make the card even more compelling.
IHG One Rewards Premier Card- Our Best Offer Ever! Earn 5 Free Nights
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Business Insider's IHG One Rewards Premier Credit Credit Card Review.
IHG One Rewards Traveler Credit Card
$0
N/A
21.49% - 28.49% Variable
Limited Time Offer: Earn 100,000 bonus points
Good to Excellent
- No annual fee
- Great points earning for IHG stays
- No foreign transaction fees
- Not much in the way of perks beyond earning points
- Really only a good option for earning points on IHG stays
The IHG One Rewards Traveler Credit Card is a decent option if you stay at IHG hotels occasionally and don't want to pay an annual fee. However, you'll get a much better deal with the annual-fee personal Chase IHG card, the IHG One Rewards Premier Credit Card.
IHG One Rewards Traveler Credit Card- Limited Time Offer! Earn 100,000 bonus points
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Business Insider's IHG One Rewards Travel Credit Credit Card Review.
The World Of Hyatt Credit Card
$95
N/A
21.49% - 28.49% Variable
Earn up to 60,000 bonus points
Good to Excellent
- Valuable annual reward night
- Hyatt points are valuable, and this card earns 2x points on several bonus categories
- If you spend a lot on this card, you can earn a second free night
- Not too many extra benefits
If you like staying at Hyatt hotels, The World Of Hyatt Credit Card is an excellent complement to Hyatt's generous and competitive loyalty program that offers free nights and a path toward higher-tier elite status. Even if you're not a hardcore Hyatt fan, the card's useful benefits can appeal to most travelers — and make the card worth keeping year after year.
World Of Hyatt credit card- Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
See Business Insider's World of Hyatt Credit Card Review.
British Airways Visa Signature® Card
$95
N/A
21.49% - 28.49% Variable
Earn 75,000 Avios
Good to Excellent
- 3 Avios per dollar on British Airways purchases is a generous earning rate
- You can receive up to $600 in statement credits per year when you book an award flight to London and pay the taxes and fees with this card
- Not the most rewarding card for non-British Airways purchases
If you like British Airways Avios points, the British Airways Visa Signature® Card has an excellent welcome bonus offer to consider. It's worth it for domestic travel even if you don't fly with British Airways, but if you're new to points and miles, there are better rewards credit cards to consider.
British Airways Visa Signature® Card- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- Member FDIC
See Business Insider's British Airways Visa Signature Credit Card Review.
Aer Lingus Visa Signature® Card
$95
N/A
21.49% - 28.49% Variable
Earn 75,000 Avios
Good to Excellent
- Substantial welcome bonus and generous earning rate on Aer Lingus, British Airways, Iberia, and LEVEL purchases
- Opportunity to earn a companion ticket each calendar year
- Companion ticket requires $30,000 in spending in a calendar year
If you're looking to earn valuable Avios points to use on Aer Lingus or its partner airlines, the Aer Lingus Visa Signature® Card is a solid contender. However, its travel perks and benefits are most valuable if you're a frequent flyer with Aer Lingus.
Aer Lingus Visa Signature® Card- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you'll receive a Commercial Companion Ticket good for 12 months
- You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- Member FDIC
See Business Insider's Aer Lingus Visa Signature Credit Card Review.
Iberia Visa Signature® Card
$95
N/A
21.49% - 28.49% Variable
Earn 75,000 Avios
Good to Excellent
- Substantial welcome bonus and generous earning rate on Iberia, British Airways, Aer Lingus, and LEVEL purchases
- Opportunity to earn a $1,000 Iberia flight discount voucher each calendar year
- Discount voucher requires $30,000 in spending in a calendar year
The Iberia Visa Signature® Card has a strong welcome bonus and benefits that include discounts and an annual $1,000 flight voucher for two. It's a unique travel credit card that serves many more than just Iberia flyers.
Iberia Visa Signature® Card- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- Save 10% on Iberia flights purchased on iberia.com/Chase10
- Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each calendar year you make purchases of $30,000 on your card
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- Member FDIC
See Business Insider's Iberia Signature Credit Card Review.
DoorDash Rewards Mastercard®
$0
N/A
20.24% - 28.99% Variable
Free DashPass for a year
Good to Excellent
- Strong cash-back earning rates on DoorDash and dining purchases
- No annual fee or foreign transaction fees
- Complimentary DashPass membership and discounts/statement credits
- DashPass membership after the first year requires spending $10,000 on purchases
- The card’s best benefits aren’t useful if you don’t order from DoorDash often
- Welcome bonus offer isn’t as strong as some other no-annual-fee cash-back cards
If you're a DoorDash fanatic, the DoorDash Rewards Mastercard® is a great no-annual-fee credit card that will fit your lifestyle with a high return rate and a few benefits that can save you potentially hundreds. However, if you're indiscriminate with your food delivery platform, other cards offer a higher return with services like Uber Eats.
DoorDash Rewards Mastercard®- With the DoorDash Rewards Mastercard get a free year of DashPass ($96 value).
- 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
- 3% cash back on dining when purchased directly from a restaurant. No earning caps.
- 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
- Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
- No annual card fee, just cash back on every purchase.
- As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month. Maximum discount of $15 per order. Offer expires 12/31/2024.
- Member FDIC
See Business Insider's DoorDash Rewards Credit Card Review.
Instacart Mastercard®
$0
N/A
20.24% - 28.99% Variable
Earn $100 Instacart credit plus a free year of Instacart+ membership
Good to Excellent
- Earn 5% cash back on Instacart purchases
- New cardholders get statement credit for Instacart purchases, with no minimum spending requirement
- No annual fee
- Strong 2% cash-back categories including restaurants, gas, and select streaming services
- No foreign transaction fees
- Not the most rewarding card for grocery purchases if you don't use Instacart
- 5% cash back on Chase Travel might not be valuable depending on where you usually book travel
The Instacart Mastercard® from Chase is worth considering if you're looking for a grocery credit card and frequently use Instacart. If you don't spend a lot with Instacart, you'll likely do better with a different cash-back credit card.
Instacart Mastercard®See Business Insider's Instacart Mastercard Review.
Chase has a plethora of personal credit cards, many of which offer rewards for travel, dining, hotels, and more. In addition to the accounts listed above, the bank also offers two Disney rewards credit cards.
Two Chase credit cards, the Chase Sapphire Preferred® Card and the Chase Freedom Unlimited®, are on our best credit cards guide, and multiple cards on this list are featured on our best airline credit cards guide as well.
We have a guide on the best Chase credit cards to help you determine the best options based on your needs.
Chase Business Credit Cards Review
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Ink Business Premier® Credit Card
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Ink Business Unlimited® Credit Card
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Ink Business Cash® Credit Card
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Ink Business Preferred® Credit Card
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Southwest® Rapid Rewards® Performance Business Credit Card
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Southwest® Rapid Rewards® Premier Business Credit Card
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United℠ Business Card
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United Club℠ Business Card
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IHG One Rewards Premier Business Credit Card
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World of Hyatt Business Credit Card
Ink Business Premier® Credit Card
$195
N/A
19.49% - 27.49% Flex for Business Variable
Earn $1,000 cash back
N/A
- High welcome bonus and at least 2% cash back on every purchase
- 2.5% cash back on purchases of $5,000 or more
- Good travel and purchase benefits including cell phone protection
- Rewards can’t be turned into transferable Chase Ultimate Rewards points
- High annual fee
- Pay-in-full card means you’ll have to pay your balance in full each month or use Chase’s new Flex for Business financing option
With a high annual fee and limited redemption options compared to other Chase Ink cards, this card is only a good fit for small businesses that regularly make purchases of $5,000 or more to trigger the highest reward rate. It could also be a good choice for those who need the higher spending potential offered by a pay-in-full card. For most small business owners, however, other Chase Ink cards are a better value.
Ink Business Premier CardSee Business Insider's Chase Ink Business Premier Credit Card Review.
Ink Business Unlimited® Credit Card
$0
0% intro APR on purchases for the first 12 months
18.49% - 24.49% Variable
Earn $750 bonus cash back
Good to Excellent
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
The Ink Business Unlimited® Credit Card is a great option for small business owners who prefer a straightforward earning rate and no annual fee. You'll earn 1.5% cash back on every purchase, and there's no limit to what you can earn.
Ink Business Unlimited- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
See Business Insider's Chase Ink Business Unlimited Credit Card Review.
Ink Business Cash® Credit Card
$0
0% intro APR on purchases for the first 12 months
18.49% - 24.49% Variable
Earn up to $750 bonus cash back
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.
Ink Business Cash- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
See Business Insider's Chase Ink Business Cash Credit Card Review.
Ink Business Preferred® Credit Card
$95
N/A
21.24% - 26.24% Variable
Earn 120,000 bonus points
Good to Excellent
- High sign-up bonus
- Offers 3x bonus points on several spending categories, including travel and advertising purchases
- Includes comprehensive travel coverage
- Welcome bonus has a very high minimum spending requirement
The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.
Ink Business Preferred Card- Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase TravelSM
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
See Business Insider's Chase Ink Business Preferred Credit Card Review.
Southwest® Rapid Rewards® Performance Business Credit Card
$199
N/A
21.49% - 28.49% Variable
Earn up to 120,000 bonus points
Good to Excellent
- 4x bonus points on Southwest purchases
- Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
- $199 annual fee is on the high side
The Southwest® Rapid Rewards® Performance Business Credit Card is a great fit for small business owners who frequently fly Southwest, especially if you often purchase inflight WiFi.
Southwest® Rapid Rewards® Performance Business Credit Card- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
See Business Insider's Southwest Rapid Rewards Performance Business Credit Card Review.
Southwest® Rapid Rewards® Premier Business Credit Card
$99
N/A
21.49% - 28.49% Variable
Earn up to 120,000 bonus points
Good to Excellent
- Awards you 6,000 points each year after your account anniversary
- Earns 3x Southwest points per dollar on your Southwest purchases
- Relatively light benefits compared to other airline credit cards
The Southwest® Rapid Rewards® Premier Business Credit Card is a good choice for small business owners who want a Southwest credit card with a reasonable annual fee — and points earned on this card count toward the coveted Companion Pass.
Southwest® Rapid Rewards® Premier Business Credit Card- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
See Business Insider's Southwest Rapid Rewards Premier Business Credit Card Review.
United℠ Business Card
$0 intro for the first year, then $99
N/A
21.99% - 28.99% Variable
Earn 75,000 bonus miles
Good to Excellent
- Solid travel benefits with United, including a free checked bag and priority boarding
- $100 annual United travel credit is relatively easy to earn
- Beyond the intro bonus offer, it will take a while to earn a lot of miles through everyday spending on this card
Although it joins a crowded field of excellent United Airlines credit cards, the United℠ Business Card from Chase has several standout benefits that make it well worth considering for both frequent and occasional United flyers.
United℠ Business Card- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
See Business Insider's United Business Credit Card Review.
United Club℠ Business Card
$450
N/A
20.74% – 27.74% Variable
Earn 75,000 bonus miles
N/A
- Full United Club membership
- Earns 1.5 miles on all non-United purchases
- Cardholders can get 2 free checked bags on United
- High annual fee
- No bonus miles-earning categories beyond United
IHG One Rewards Premier Business Credit Card
$99
N/A
21.49% - 28.49% Variable
Earn 140,000 bonus points
Good to Excellent
- Up to 2 free night certificates each year
- Ability to achieve top-tier elite status through spending
- $99 annual fee
With valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It's got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.
IHG One Rewards Premier Business Credit Card- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Business Insider's IHG One Rewards Premier Business Credit Card Review.
World of Hyatt Business Credit Card
$199
N/A
21.49% - 28.49% Variable
Earn up to 75,000 bonus points
Good to Excellent
- Excellent welcome bonus, earning, and benefits
- Automatic elite status for yourself and up to five company employees
- Up to $100 in Hyatt credits each year and a 10% points rebate on redemptions when you meet spending requirements
- High annual fee
- Card doesn’t offer an annual free night like similar hotel cards do
- Points rebate requires $50,000 in spending in a calendar year
Small-business owners who stay with Hyatt frequently could get great value from this card, especially if they take advantage of perks like automatic elite status for the primary cardholder and up to five employees. However, it's got a higher annual fee than most hotel cards, so be sure your spending and travel habits line up with the card's benefits before you apply.
World of Hyatt Business Card- Earn 60,000 Bonus Points after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 15,000 more Bonus Points after you spend $12,000 in the first 6 months.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
See Business Insider's World of Hyatt Business Credit Card Review.
If you're a small business owner, Chase has several business credit cards to explore. Options range from cash-back credit cards to cards with good perks for frequent travelers. A few are featured in our best business credit cards guide.
We have a guide for the best Chase business credit cards to help you find the best card for your small business.
Chase Mortgages Review
620
3%
Conforming, jumbo, FHA, VA, Chase DreaMaker
- The Chase DreaMaker mortgage is a good option for lower-income borrowers
- Advanced tool for seeing personalized rates and payments
- No USDA loans, home equity loans, reverse mortgages, or construction loans
- Doesn't accept alternative forms of credit
- High credit score requirements
Chase Mortgage is one of the best mortgage lenders overall, offering products for many different types of borrowers, including low-income households. It also ranks high in customer satisfaction.
Chase- Offers home loans in all 50 US states and Washington, DC
- Branches in 48 US states
- Does not accept alternative credit data, such as proof of paying bills on time, in lieu of a credit score
- Minimum credit score and down payment displayed are for conforming mortgages
See Business Insider's Chase Mortgage Review.
Chase has conforming, jumbo, FHA, VA, and Chase DreaMaker mortgages. The Chase DreaMaker mortgage may be a good option if you're a first-time homebuyer. The program allows lower-income borrowers to make a minimum 3% down payment with reduced private mortgage insurance costs.
Chase Investing Review
$0
0%
$700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money by 10/11/2024
- No minimum requirement;
- Commission-free stocks, ETFs, options, and mutual funds
- Account includes access to exclusive JP Morgan research
- Stock, mutual fund, and ETF screeners available
- Limited selection of account types
- No advanced trading platforms
- Get up to $700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money by 10/11/2024
- $700 when you fund with $250,000 or more
- $325 when you fund with $100,000-$249,999
- $150 when you fund with $25,000-$99,999
- $50 when you fund with $5,000-$24,999
- Get unlimited commission-free online stock, ETF, fixed income, and options trades when you open an account.
- $0 Online Commission trades
- Choose an account that's right for you: General Investing, Traditional IRA or Roth IRA.
- Access our secure, easy-to-use trading experience online or through the Chase Mobile® app.
- Our powerful tools and resources are built to help you take control of your investments.
See Business Insider's J.P. Morgan Investing Review.
Chase offers investing and wealth management services through J.P. Morgan, another part of the company. Through J.P. Morgan, you'll be able to trade stocks, ETFs, options, and mutual funds. Depending on what brokerage account you choose, you can handle trading yourself or get help from financial advisors.
How Chase Bank Compares
Chase Bank vs. Bank of America
You might prefer Bank of America for a savings account because the Bank of America Advantage Savings Account automatically waives its monthly fee for the first six months. Opening this account also makes you eligible to earn cash-back rewards when you use your debit card with select retailers.
Chase may be better if you're searching for the right checking account, though. There are several Chase checking accounts, so you're likely to find one that fits your needs.
Chase Bank vs. Wells Fargo
The Wells Fargo Kids Way2Save Savings Account is appealing because it has tools to help you save more. For example, the Save As You Go® feature transfers $1 from checking to savings each time you swipe your Wells Fargo debit card.
Chase offers many more checking account options than Wells Fargo, so you might find the best fit with Chase. As far as CDs go, it depends on which CD term length you're looking for. Wells Fargo CD rates are decent, but the bank only offers terms up to one year. Meanwhile, Chase has CD terms as high as 10 years.
Why You Should Trust Us: How We Reviewed Chase Bank
At Business Insider, we use our bank account rating methodology guidelines to rate all of our banking products.
We rate products on a scale from zero to five stars. For bank accounts, we review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.
We'll consider factors like annual fees and sign-up bonuses for credit cards, and term lengths for loans. In general, we also look at customer service and ethics.
