Best Chase cards of November 2023
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 10:49 a.m. UTC Nov. 14, 2023
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If you’re in the market for a new credit card and you’ve spent time comparing your options, you have probably noticed how many Chase cards top the “best of” lists all over the web. That’s because Chase offers credit cards with some of the most flexible rewards and lucrative earning rates on the market today. This is partly due to the generous welcome bonuses Chase credit cards offer, but it’s also due to their top-notch rewards rates and redemption options.
While several cash-back credit cards from Chase stand out for their rewards on everyday spending and cardholder perks, their travel credit cards also stand tall as these cards earn Chase Ultimate Rewards® points which have the advantage of multiple redemption options.
We analyzed a broad swath of credit cards from Chase to curate a list of the very best. Here are our selections for all the most important categories.
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Chase Sapphire Reserve®
: Best Chase card for travel
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Ink Business Cash® Credit Card
: Best Chase business credit card
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Chase Freedom Flex℠ *
The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
: Best Chase rewards and best Chase cash-back card
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Chase Freedom Rise℠ *
The information for the Chase Freedom Rise℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
: Best Chase card for students
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Chase Sapphire Preferred® Card
Best Chase credit cards of November 2023
Best Chase card for travel
Chase Sapphire Reserve®
Best Chase card for value
Chase Sapphire Preferred® Card
Best Chase business credit card
Ink Business Cash® Credit Card
Best Chase rewards and best Chase cash-back card
Chase Freedom Flex℠
*The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best Chase card for students
Chase Freedom Rise℠
*The information for the Chase Freedom Rise℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Credit Card
Credit score
Best For
Annual Fee
Welcome Bonus
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 Ultimate Rewards®.
Chase 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 Ultimate Rewards®.
Ink Business Cash® Credit Card
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Chase Freedom Flex℠
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening,
Chase Freedom Rise℠
Earn a $25 statement credit after signing up for automatic payments within the first three months of account opening.
Why this card made the list
The Chase Sapphire Reserve® is a premium travel credit card from Chase that offers an incredible number of perks and protective features. Despite a steep annual fee, cardholders get access to an up to $300 annual travel credit that applies to any travel purchases, a Priority Pass Select airport lounge membership (valued at $469) with enrollment, an application fee credit for Global Entry, NEXUS or TSA PreCheck membership and some of the best travel insurance benefits of any credit card on the market today.
While points earned with this card can be transferred to Chase airline and hotel partners, the Chase Sapphire Reserve® also shines due to its incredible redemption value for travel through Chase. Cardholders get 50% more value for their points, making a point worth 1.5 cents each when redeemed for airfare, hotels, car rentals and other eligible travel through the Chase Ultimate Rewards site.
- Annual fee: $550.
- Rewards: 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
- Welcome bonus: 60,000 points after spending $4,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
- APR: 22.49% to 29.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
Why this card made the list
The Chase Sapphire Preferred® Card was chosen as the best card for value among Chase credit cards due to its generous rewards on dining and travel plus valuable perks all in exchange for a relatively low annual fee. for everyday spending.
Beyond the earning opportunities this card offers, the rewards can also be transferred to Chase’s airline and hotel partners, making the card an appealing option for those who can’t stomach the annual fee on the pricier Chase Sapphire Reserve. Rewards on this card are worth 25% more when redeemed for travel through Chase, and cardholders get automatic benefits like a $50 annual hotel credit, several valuable travel insurance coverages like primary auto rental coverage, purchase protection and extended warranties.
- Annual fee: $95.
- Rewards: 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
- Welcome bonus: 60,000 points after spending $4,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
- APR: 21.49% to 28.49% variable APR on purchases and balance transfers.
Why this card made the list
We picked the Ink Business Cash® Credit Card as the best Chase credit card for businesses due to a lack of annual fees and a generous rewards structure. This card’s elevated rewards categories are in areas many businesses will find appealing. There’s also a lucrative welcome bonus, an intro APR offer for purchases and employee cards for no additional fee. The card also offers a number of practical travel and purchase coverages including primary auto rental coverage when renting a car for business purposes, purchase protection against damage and theft and extended warranties.
- Annual fee: $0.
- Rewards: 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, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.
- Welcome bonus: $900 cash back after spending $6,000 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
- APR: 0% intro APR on purchases for 12 months, then a variable APR of 18.49% to 24.49% applies to purchases and balance transfers. There’s a balance transfer fee of either $5 or 5% of each transfer, whichever is greater.
The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. topped the list in two different categories in our rankings — best for rewards and best cash-back credit card. This makes sense since the card’s rewards structure lets you earn rich rewards across a broad swath of categories.
Beyond the earnings, the card also comes with a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer. Plus, benefits include cellphone protection worth up to $800 per claim and up to $1,000 per year (limited to two claims per 12-month period and requires a $50 deductible per claim), purchase protection against damage or theft, extended warranties, trip cancellation and interruption insurance and more. That’s a powerful list of perks in a no-annual-fee package.
- Annual fee: $0.
- Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
- Welcome bonus: Earn a $200 bonus after spending $500 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
- APR: 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer.
The information for the Chase Freedom Rise℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Chase Freedom Rise is specifically geared to college students who are building credit for the first time. This card earns 1.5% cash back on all purchases plus a $25 statement credit after enrolling in autopay in the first three months of account opening. Those are exceptional perks on a card for those without much credit history.
You can increase your approval odds for the card by opening a Chase checking account with at least $250 on deposit before you apply. Once approved for the Freedom Rise card, you may qualify for a credit limit increase in as little as six months, which can further help build positive credit habits while increasing your purchasing power over time.
- Annual fee: $0.
- Rewards: 1.5% cash back on all purchases.
- Welcome bonus: Earn a $25 statement credit after enrolling in autopay in the first three months of account opening.
- Foreign transaction fees: 3% of the amount of each transaction in U.S. dollars.
- APR: 26.99% variable APR.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:
- Annual fees.
- Rewards rates and redemption options.
- APRs and introductory offers.
- How a particular Chase card compared to similar cards from other issuers.
- Any perks or benefits that made a card stand out from the rest.
Should you get a Chase credit card?
There are plenty of excellent options for Chase-issued credit cards but the right credit card for you will depend on your goals with a new card and your spending patterns. A Chase credit card might be right for you if you’re seeking:
- Cash back with no annual fee. Chase offers several cash-back credit cards that don’t charge an annual fee, and several also have an intro APR offer for purchases and balance transfers. These benefits combined can help cardholders maximize rewards while keeping costs down.
- Flexible points for travel. Chase Ultimate Rewards points are some of the most flexible out there, particularly when it comes to travel. Not only can you use Chase points to book airfare, hotels, car rentals and more through the Chase portal, but Chase travel points transfer to partners like British Airways, JetBlue, Southwest Rapid Rewards and World of Hyatt at a 1:1 ratio.
- Maximize rewards by pairing several cards. Chase enthusiasts often pair several cards with different earning categories in order to maximize rewards on spending. From there, they pool all their points into a Chase travel credit card account for point transfers to airlines and hotels.
- Premium travel benefits. If you want benefits like annual travel credits, airport lounge access, enhanced travel insurance coverages and an application fee credit toward Global Entry, NEXUS or TSA PreCheck membership, the Chase Sapphire Reserve offers all of these benefits and more.
Guide to best Chase credit cards
Chase credit cards typically fall into a few different categories including cash-back credit cards, travel credit cards, student credit cards and business credit cards.
Cash-back credit cards from Chase
While Chase offers several cash-back credit cards, the Chase Freedom Flex topped our list due to its dynamic rewards program and the fact cardholders get an additional chance to maximize cash back in rotating categories every three months.
Cash-back credit cards from Chase also offer quite a few redemption options that ensure you’ll never be stuck with rewards you cannot use. For example, you can redeem Chase cash back for statement credits, gift cards, merchandise or travel through Chase.
Chase travel credit cards
Travel credit cards from Chase earn Chase Ultimate Rewards points, which are some of the most highly regarded flexible rewards you can earn. Rewards can be redeemed for travel through Chase with 25% to 50% more value depending on the card, and they also transfer to airline and hotel partners affiliated with the brand.
Chase travel credit cards are also known for the many travel insurance benefits they include, which vary by card. For example, the Chase Sapphire Reserve comes with primary auto rental coverage, trip cancellation and interruption insurance, emergency evacuation coverage, lost luggage reimbursement, trip delay insurance and more.
Chase student credit cards
Student credit cards are meant to help individuals create credit history over time with responsible use, and all while building positive credit habits that can last a lifetime. The Chase Freedom Rise is the only student credit card from this issuer, and it’s attractive due to a lack of annual fees, the cash-back earnings and the possibility of earning a higher credit limit after demonstrating responsible payment behavior over time.
Business credit cards from Chase
Chase offers several different business credit cards to choose from, including cash-back credit cards and a flexible travel credit card. The right one for you will depend on a combination of how you spend and how you want to redeem your rewards. Our pick for best business card from Chase, the Ink Business Cash, earns cash back that can be redeemed for statement credits, gift cards and more, but the Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns Chase Ultimate Rewards points that can be used to book travel through Chase at a 25% increase in value per point or transferred to airline and hotel partners.
The Chase 5/24 rule is an unpublished rule from this card issuer that says you cannot qualify for a new credit card from Chase if you have had five or more new credit cards from any issuer in the last 24 months. This rule can make it difficult to qualify for new Chase cards over time, and it makes it more likely you’ll want to keep Chase rewards credit cards you currently have for the long haul.
The easiest Chase credit card to get approved for is the Chase Freedom Rise. This card is geared to credit newcomers who haven’t had the chance to prove their creditworthiness yet.
The best Chase credit card for you depends on the type of rewards you want to earn and the perks you want the most. We suggest comparing all the best Chase credit cards that made our ranking, as well as the best credit cards from other issuers, before you make your pick.
*The information for the Chase Freedom Flex℠, Chase Freedom Rise℠ and Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
