Compare Chase Credit Cards | Creditshout

Guide to Chase Credit Cards

By Kevin / September 2, 2016
guide to chase credit cards

Chase offers some of the most highly sought after rewards credit cards around. Whether you are look for a cash back card, travel rewards, or a business card, Chase will have something to meet your needs.

The best way to use this guide it to see what the different options from Chase are. If you are interested, apply right from here. Or go on to read our more in depth reviews.

In some cases, you may want to check out ​our Credit Cards Page to see guides by card type. For example, if you are interested in a travel card, there may be a better option for you than the Chase Sapphire Preferred. Our Guide to Travel Rewards Card would be able to point you in the right direction in that case.

And, of course, we keep our Deals Page current, in case you are hunting just for the best sign up offers available.​

Also, whenever you are considering a Chase credit card, you may want to check to see if it is eligible to participate in savings and offers through Chase Ultimate Rewards. Chase Ultimate Rewards is Chase's shopping portal. It allows you to take advantage of discounts and special offers from hundred of retailers. To learn about this program, check out this article.

Consumer Credit Cards

Chase Sapphire Reserve℠

new chase sapphire reserve welcome rewards

CreditShout Rating

Annual Fee: $450

Credit Required: Excellent

Rewards Program and Signup Bonuses*:

  • New! Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases such as airfare and hotels charged to your card
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 900+ airport lounges worldwide with complimentary Priority Pass™ Select membership
  • Up to $100 application fee credit for Global Entry or TSA Pre√®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24%-23.24% Variable

The Chase Sapphire Reserve card is brand new. It is clearly aimed at taking on the Amex Paltinum card. But is it worth the heft annual fee after the first year?

Find out in our review.

Editor's Note: The 100,000 point bonus offer will be available through March 12, 2017, if you apply in a Chase branch.

Chase Freedom Unlimited

new chase freedom unlimited

CreditShout Rating

Annual Fee: $0

Credit Required: Excellent

Rewards Program and Signup Bonuses*:

  • New! Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 bonus when you add your first authorized user and make your first purchase within this same 3-month period.
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open

Intro APR

0% for 15 months

Intro Balance Transfer

0% for 15 months,* plus 5%  Transfer Fee

Regular APR

14.24%-23.24% Variable on Purchases and Transfers

The Chase Freedom Unlimited is brand new, and allows you to earn a solid 1.5% cash back on all your purchases. For an in-depth review of this card, check out this article.

Chase Freedom

Chase Credit Cards Compared

CreditShout Rating

Annual Fee: $0

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and select grocery stores
  • Unlimited 1% cash back on all other purchases — it's automatic
  • Cash Back rewards never expire as long as your account is open

Intro APR

0% for 15 months

Intro Balance Transfer

0% for 15 months,* plus 3%  Transfer Fee

Regular APR

14.24%-23.24% Variable on Purchases and Transfers

You can read our complete review for the details, but the Chase Freedom card remains a top cash back card.

The only downside for this card is that it is a rotating rewards card that (1) requires you to register each quarter for the applicable bonus category, and (2) caps your bonus rewards to the first $1,500 of spending on the applicable category in the calendar quarter.

If you are looking for a more straightforward cutback card, or bonus reward categories that remain constant, check out our Guide to Cash Back Credit Cards.

Chase Sapphire Preferred Card

Comparison of Chase Rewards Cards

CreditShout Rating

Annual Fee: $95 (Waived 1st Year)

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • Introductory Annual Fee of $0 the first year, then $95

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24%-23.24% Variable on Purchases and Transfers

Chase's Sapphire Preferred tops most lists of travel rewards cards, both because (1) you get a 20% off travel when you redeem through Chase Ultimate Rewards, and (2) you can transfer points on a 1:1 basis to some top airline and hotel chain rewards programs. For more details in how this works, and what airlines and hotels participate, read our review.

However, if you want to learn why the Chase Sapphire Preferred is not our top travel rewards card, and learn where your spending can earn you even greater rewards, check out our Guide to Travel Credit Cards.

Chase Slate

Sign Up Offers from Chase Compared

CreditShout Rating

Annual Fee: $0

Credit Needed: Good

Rewards Program and Signup Bonuses*:

  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers, then 13.25% to 23.24% Variable APR*
  • Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR).

Intro APR

0% for 15 months

Intro Balance Transfer

0% for 15 months

Regular APR

13.24%-23.24% Variable on Purchases and Transfers

While the Chase Slate offers no rewards program, it introductory APR offer - including no fee on balance transfers made in the first 60- days - makes it a top choice for those looking to pay down some credit card debt.

To learn more, read our review or check out our Guide to Zero Percent APR Cards.​

Amazon Rewards Visa Card

Comparing of Different Chase Credit Cards

CreditShout Rating

Annual Fee: $0

Credit Needed: Fair

Rewards Program and Signup Bonuses*:

  • Get a $30 Amazon.com Gift Card* instantly upon credit card approval
  • Earn 3% Back at Amazon.com
  • Earn 2% Back at gas stations, restaurants and drugstores
  • Earn 1% Back on all other purchases
  • No earning caps — No point expiration

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

14.49% to 22.49% Variable on Purchases and Transfers

A great card - and one of our top Store Cards. Not sure how this card did not end up in our Guide to Cash Back Cards. It should have. 

If you shop on Amazon, this card is a must have. But, if you need more details, read our review.​

British Airways Visa Signature Card

Comparing of Different Chase Credit Cards

CreditShout Rating

Annual Fee: $95

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • 50,000 bonus Avios after you spend $2,000 on purchases within the first 3 months of account opening.
  • Plus earn an additional 25,000 bonus Avios when you spend $10,000 on purchases for a total of 75,000 bonus Avios.
  • Plus earn another 25,000 bonus Avios when you spend a total of $20,000 on purchases within your first year for a total of 100,000 bonus Avios.
  • 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.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24% Variable on Purchases and Transfers

The possibility of earning up to 100,000 bonus miles (sorry, Avios) makes this card hard to resist to those who frequently cross the pond. For those on the fence, check out our complete review.

Marriott Rewards Premier Credit Card

Guide to Chase's Credit Card Offerings

CreditShout Rating

Annual Fee: $85 (Waived 1st Year)

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
  • $0 Introductory annual fee, then $85

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24% Variable on Purchases and Transfers

After Marriott completes its merger with Starwood, it is sure to be the premier hotel for business travelers, luxury vacations, and even use regular Joes.

Read our review to learn more about this card and the Marriott Premier Rewards program.​

United MileagePlus Explorer Card

Analyze Chase Airline Rewards Cards

CreditShout Rating

Annual Fee: $95 (Waived 1st Year)

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
  • Check your first bag for free - save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every yearNo foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24% Variable on Purchases and Transfers

We can only recommend this airline card for those who travel exclusively on United. And even then you may be better off with a generic travel rewards card that you can use towards hotel visits, cruises, or other travel related expenses.

To learn more, check out our review.​

IHG Rewards Club Select Credit Card

Contrast Chase Hotel Rewards Cards

CreditShout Rating

Annual Fee: $49 (Waived 1st Year)

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night each year of card membership at over 4,900 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24% - 23.24% Variable on Purchases and Transfers

To learn more about this great hotel rewards card, read our review!

Southwest Airlines Rapid Rewards Premier Credit Card

In depth analysis

CreditShout Rating

Annual Fee: $99 (Waived 1st Year)

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months your account is open
  • Chip-enabled cards with 24/7 fraud monitoring
  • Points Don't Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary every year
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners1 point/$1 spent on all other purchases
  • $0 introductory annual fee, then $99/year

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24% Variable on Purchases and Transfers

Look airline miles do not go as far as they used to. And Southwest already lets you check your bags for free. But if you and your family fly Southwest, you may want to consider this card.

Read our review to learn more.​

Business Rewards Cards

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

CreditShout Rating

Annual Fee: $95

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

16.24% - 21.24% Variable

Our review of the new Ink Business Preferred card is coming soon.

In the meantime, I am sure you want to know the identity of the "select" bonus categories you can earn the 3% rewards on. They are:

  • Travel
  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases made with social media sites and search engines​

Just remember, these bonus categories (1) only apply to your combined first $150,000 of spending in those categories (then 1%), and (2) are applied to your account on each account anniversary.

Ink Cash Business Credit Card

business rewards credit cards compared

CreditShout Rating

Annual Fee: $0

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers*
  • Employee cards at no additional cost
  • No annual fee

Intro APR

0% for 12 months

Intro Balance Transfer

0% for 12 months, after Transfer Fee

Regular APR

13.49% Variable on Purchases and Transfers

Ink Cash is a great cash back business card. Not only is it simple to use, you can earn bonus points on items where your small business will spend money.

To learn more, you can read our review.​

Ink Plus Business Credit Card

not your typical credit card

CreditShout Rating

Annual Fee: $95

Credit Needed: Excellent

Rewards Program and Signup Bonuses*:

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • No foreign transaction fees
  • Chip-enabled for enhanced security at home and abroad when used at a chip card readerEmployee cards at no additional cost

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

15.49% Variable on Purchases and Transfers

Ink Plus also is a fantastic business credit card - though it is for bigger spenders thanks to its annual fee. 

For more details, read our review.​

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