Chase currently offers a variety of cards, some of which have even made it into our top credit cards of 2010. Although Chase may not be as highly regarded as American Express when it comes to card perks, they still offer some great cards to those who are looking to earn cash back or card rewards.
Below are the most popular cards that Chase currently offers.
- Chase Freedom® Visa – $50 Bonus Cash Back (Cash Back)
- Chase Sapphire(SM) (General Rewards, Travel Rewards)
- Slate(SM) from Chase (Cash Back)
- Chase Ink (Cash Back)
- Chase Ink Bold (Cash Back)
- Chase Ink Cash (Cash Back)
- Chase Ink Plus (Cash Back)
Chase Freedom® Visa is a cash back credit card, which means that it directly competes with Discover More and Blue Cash from American Express. This card offers a solid rewards program that gives you 5% Cash Back offers in popular rotating categories like gas, groceries, airlines, home improvement and many more.
However, unlike Discover More and Blue Cash the Chase Freedom card is currently offering a huge $200 cash bonus to new customers who sign up and make $500 in purchases during the first three months.
You’re probably seen the commercials for Chase Sapphire(SM) by now – Chase seems to be making a big marketing push for this new card. With Chase Sapphire you earn one point for every dollar you spend. These points can then be redeemed for everything from airline tickets, to cash back. If you choose to receive cash back it ends up equaling 1% cash back at 1 point per dollar.
Chase Sapphire(SM) is a good card for those who travel and spend a lot on airfare, because of the fact that you earn double the rewards points on all airfare purchases – as long as you book them through the Chase travel booking tool. With Chase Sapphire(SM) you can earn unlimited points, and your points never expire. If you choose to shop online through the Ultimate Rewards Mall you can earn up to 10 bonus points per dollar (or 10% cash back).
With Chase Sapphire(SM) you also get access to the Blueprint program which I reviewed here. Blueprint basically allows you to customize the repayment of your balance and includes some great online tools to help you manage your finances.
This card also offers quite a few travel perks:
- Trip Cancellation Insurance
- Travel and Emergency Services
- Travel Accident Insurance
- Trip Delay Reimbursement
- Baggage Delay Reimbursement
- Roadside Dispatch
- Auto Rental Collision Damage Waiver
Introduced along with the Sapphire Card, Slate(SM) from Chase is for those who aren’t interested in a rewards program and just want the benefits that go along with a Chase card. Honestly I see little if any reason to go with Slate over Sapphire or Freedom, both of which offer a rewards program that gives you at least 1% cash back on all purchases. For some this may not seem like much but these rewards definitely add up over time.
Chase offers a variety of business cards all branded under “Ink from Chase”. Each card has a different rewards structure – Ink has a points based rewards system where as Ink Cash is the business equivalent of the Chase Freedom card, giving you 3% back on certain purchases and 1% back on everything else.
Overall these cards may not offer as many perks as some of the American Express business cards – however there are some advantages. Ink and Ink Cash have no annual fee, Ink Plus has a $60 annual fee and Ink Bold a $95 annual fee. In contrast, the Amex Business Gold Card has a $125 annual fee, and Amex Business Platinum has a $450 annual fee. If you are planning on taking advantage of all of the perks that an Amex Express business card offers then the annual fees are often worth it, if not then the Chase Ink cards are definitely an option.
Here are some other useful past articles we’ve written that cover Chase cards that may help you decide which card is right for you.