2017 RANKING & REVIEWS
TOP RANKING BEST CHASE CREDIT CARDS
Choosing Chase Credit Cards
When you want to add a new credit card to your financial repertoire, how do you decide which one is the right fit? Many of us prefer to use name brands and lenders that we are most familiar with, and Chase credit cards would certainly fit that description.
You can find a Chase credit card that meets almost every need you could possibly imagine. From business cards to personal cards, from rewards programs to great basic features, the best Chase credit card is likely to depend on your own desires. How can you allow Chase credit cards to enhance your financial situation?
Award Emblem: Top 6 Best Chase Credit Cards
With so many options for the best Chase credit card available, AdvisoryHQ wanted to help you to narrow down which are the top choices. We created this Chase credit card comparison to make it easy for you to decide which one you prefer.
Interested in which of the Chase credit cards we chose to compare? You can take a closer look in the detailed Chase credit card review below!
AdvisoryHQ’s List of the Top 6 Best Chase Credit Cards
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- Army MWR Credit Card
- Chase Freedom® Credit Card
- Chase Freedom Unlimited℠ Credit Card
- Chase Sapphire Preferred® Credit Card
- Chase Slate® Credit Card
- Ink Cash® Business Credit Card
Top 6 Best Chase Credit Cards | Brief Comparison & Ranking
Credit Card Names
Introductory 0% APR Length
Army MWR Credit Card
Chase Freedom® Credit Card
Chase Freedom Unlimited℠ Credit Card
Chase Sapphire Preferred® Credit Card
Chase Slate® Credit Card
Ink Cash® Business Credit Card
Table: Top 6 Best Chase Credit Cards | Above list is sorted alphabetically
How to Choose a Chase Credit Card
When you look at all Chase credit cards, it can be overwhelming to determine which one is the right choice for your finances. In order to help you decide on the best Chase credit card, we want to help you carefully consider the determining factors for applying for any credit card.
Image Source: Best Chase Credit Cards
Look at these questions to figure out which features you should keep an eye out for:
- Does your current credit card have a high interest rate and a fair amount of debt? If your current credit card is costing you a small fortune each month, consider switching to a low-interest Chase credit card with minimal to no balance transfer fees. This will allow you to pay down your debt faster and with less overall cost to you when it comes to interest.
- How much do you spend each month? Knowing how much you put on your credit line each month can help you to evaluate how much you would benefit from cash back rewards or travel rewards programs. In a Chase credit card comparison, you’ll find that almost all Chase credit cards include one of these programs. Check what the minimum redemption offers are and be sure that you can use your points before they expire (if they expire at all).
- Do you need a low-interest introductory rate? If you know that you have a large purchase coming up that you’re planning to put on your credit card, it would behoove you to search for a Chase credit card that has an introductory rate. Many of the Chase credit cards included here offer a 0% introductory rate for varying lengths of time. These are great Chase credit card deals to keep an eye out for.
- Do you need a specific type of card? Knowing the type of Chase credit card that you most need is critical. You could qualify for a military card, personal card, or business card with some of these top choices for JP Morgan credit cards.
While this isn’t necessarily an exhaustive list of all the things you might want to consider regarding your personal financial situation, it is a great starting point. These are some of the most important questions to consider when deciding on a Chase credit card.
You’ll find it easy to compare Chase credit cards when you know exactly what you’re looking for.
AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?
Please click here “AdvisoryHQ's Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.
Detailed Review—Top Ranking Best Chase Credit Cards
Below, please find the detailed review of each credit card on our list of best Chase credit card options. We have highlighted some of the factors that allowed these Chase credit card deals to score so high in our selection ranking.
Army MWR Credit Card Review
Members of the United States Army will love the program designed just for them with this best Chase credit card choice, the Army MWR Credit Card. Enjoy low rates, no annual fee, and rewards programs designed specifically for you.
For those who are interested in obtaining a credit card specifically designed for the military, this rewards Chase credit card packs the biggest punch with on-base shopping. The Army MWR Credit Card come standard with 2% cash back on purchases made at the commissary, the Exchange, and MWR activities.
Of course, if you aren’t shopping on a military installation, you can also earn 1% cash back on all other purchases. All your rewards points can be redeemed for Chase credit card deals on gift cards and travel or simply ask for the cash.
In a promotion that makes this appealing as one of the best Chase credit card choices, you receive a bonus of 2,500 rewards points after your first $250 in purchases in the first three months.
Rates and Fees
The Army MWR Credit Card offers some of the lowest rates all around when you compare Chase credit cards. It comes standard with a variable APR of just 10.24% and no annual fee.
This best Chase credit card also comes equipped with special features that make it especially attractive for active members of the armed forces. If your loved one is deployed, the Blue Star Deployment Benefits can help with interest and fees during that time.
If you travel frequently (whether for business or pleasure), you’ll also benefit from their $0 foreign transaction fees. This can add up to quite a bit of money saved if you are frequently on trips out of the country or stationed overseas.
Chase Freedom® Credit Card Review
For consumers looking for a JPMorgan credit card with low rates, high cash back rewards, and extensive offers, the Chase Freedom® Credit Card is sure to be a top candidate.
Source: Chase Freedom® Credit Card
Many of the best JP Morgan credit cards come standard with a rewards program that is a compelling feature to mention when ranking Chase credit cards. The Chase Freedom® Credit Card is no exception, with a cash back program with various tiered rewards levels and a Chase credit card promotion:
- 5% cash back on up to $1,500 in purchases for bonus categories each quarter
- 1% cash back on all other purchases
- $150 bonus when you spend $500 in the first three months
- $25 bonus when you add an authorized user and make the first purchase in three months
Your rewards points don’t expire, and you can choose to redeem them starting at $20. You have several options for how to spend them from receiving a direct deposit or statement credit to Amazon.com shopping to gift cards and travel rewards.
Rates and Fees
The Chase Freedom® Credit Card is an appealing choice for the best Chase credit card in part because of its lengthy introductory offer. These Chase credit cards offer 0% introductory APR for the first fifteen months on both purchases and balance transfers. It is a great offer to take advantage of to pay down debt on a high-interest credit card.
When this Chase credit card promotion expires, you will still find low rates ranging from 14.24% to 23.24% APR. If you frequently opt for a cash advance, you may not be satisfied with this offering with a 25.24% APR.
Not only are the interest rates low enough to note in a Chase credit card review, but there are no annual fees associated with this Chase credit card.
Chase Freedom Unlimited℠ Credit Card Review
Enjoy a broader Chase credit card promotion with this easy to use and cost-effective Chase Freedom Unlimited℠ Credit Card. You’ll find a hassle-free cash back rewards program with nice bonuses and great terms.
The Chase Freedom Unlimited℠ Credit Card comes with a similar cash back rewards program to its counterpart, the Chase Freedom® Credit Card. When it comes to a JPMorgan credit card, this one offers high cash back rewards without the hassle of paying attention to your spending categories.
You earn unlimited cash back at a rate of 1.5% of every purchase, regardless of where or what you purchase. Cash back rewards and points will never expire as long as your account remains open. Redeem available points at any time for direct deposit, gift cards, travel, merchandise, or services from select merchants.
These Chase credit cards also come with the same bonus offers available from the Chase Freedom® Credit Card. Receive a $150 bonus with your first $500 in purchases within three months of opening your accounts. This JPMorgan credit card will also issue a second $25 bonus for adding an authorized user who makes a purchase in the first three months.
Rates and Fees
Take advantage of the initial offers available from this best Chase credit card choice. You can make large purchases or transfer the balance from your existing card to the Chase Freedom Unlimited℠ Credit Card and have a 0% introductory APR for fifteen months. Consider taking advantage of this Chase credit card offer to pay down debt on a high-interest credit card, but keep in mind the balance transfer fee is 5% or a minimum of $5.
When your initial offer is up, you’ll be subject to interest rates ranging from 14.24% to 23.24% APR depending on your creditworthiness.
The Chase credit card deals inherent to the Chase Freedom Unlimited℠ Credit Card also include no annual fees.
Chase Sapphire Preferred® Credit Card Review
Consider the Chase Sapphire Preferred® Credit Card if you want to earn as many travel rewards points as possible with flexible redemption among airlines, hotels, and other travel accommodations.
When you compare Chase credit cards, the Chase Sapphire Preferred® Credit Card has one of the best travel rewards programs. Every purchase scores you one point per dollar spent, but you can also earn twice as many points for popular categories that pertain to frequent fliers:
- Hotel accommodations
- Fine dining
Even better, when you choose to redeem your points for more travel arrangements or to purchase accommodations for your next trip, you’ll receive a 25% bonus for doing so through Chase Ultimate Rewards. To give you an example of how this works, it means a 50,000 points bonus is worth $625 toward your next vacation. You can earn those 50,000 bonus points by making $4,000 in purchases over the first three months of maintaining your Chase Sapphire Preferred® Credit Card.
This also qualifies as one of the best Chase credit card choices because of its 1:1 point transfer to various other frequent travel programs.
Rates and Fees
Unlike many of the selections included in our Chase credit card review, the Chase Sapphire Preferred® Credit Card is lacking in introductory interest rate offers. You will be faced with interest from the very beginning, ranging from 16.24% to 23.24% APR, which is fairly competitive.
Also consider that not all Chase credit cards have annual fees, but the Chase Sapphire Preferred® Credit Card does. It is waived the first year through their Chase credit card deals but will be at $95 thereafter.
Chase Slate® Credit Card Review
The Chase Slate® Credit Card is significantly more basic than the other Chase credit cards included in our review. For consumers wanting a basic credit card without the bells and whistles as they focus on paying down their balance and building their credit, these Chase credit cards are truly ideal.
Source: Chase Slate® Credit Card
It is extremely important to note in a Chase credit card comparison that the Chase Slate® Credit Card does not offer a rewards program similar to other Chase credit cards. This Chase credit card is designed to help consumers lower their current credit card payments with balance transfers to help them build up their credit score.
On these JP Morgan credit cards, you’ll find a monthly FICO score free of charge with the Chase Slate® credit card. This allows you to see more clearly what a difference it can make to pay your bills promptly month after month and lower your overall debt.
Other than this, this Chase credit card doesn’t have many features and programs to make note of in a Chase credit card comparison. Many of the top reasons we consider it to be a candidate for the best Chase credit card have to do with its overall rates and fees.
Rates and Fees
It’s easy to see why the Chase Slate® Credit Card has been named the Best Balance Transfer Card four years in a row through CardRatings.com. On balance transfers made within the first sixty days of opening an account, you’ll pay no balance transfer fee. Compared to the future rate of 5% or a minimum of $5, this offer from your Chase credit cards could equal substantial savings.
Even better, you’ll enjoy a 0% introductory APR for all purchases and balance transfers over the first fifteen months (13.24% to 23.24% APR thereafter). Among all the Chase credit cards, this is also a great choice for those who sometimes make a late payment as there is no penalty APR for doing so.
Can you afford these Chase credit cards? It would be hard not to when they come with no annual fee as well!
Ink Cash® Business Credit Card Review
The Ink Cash® Business Credit Card is a top choice for business owners who want to take advantage of perks associated with Chase credit cards. The Chase credit card deals you’ll find with this card can bring in generous cash back rewards for your company.
Businesses in search of Chase credit cards that can help them to earn money on purchases they already make will enjoy the generous rewards program from the Ink Cash® Business Credit Card. The business credit cards from Chase do offer a large amount of cash back rewards in comparison to all Chase credit cards for personal use:
- 5% cash back on the first $25,000 spent at office supply stores and select utility companies each year
- 2% cash back on the first $25,000 spent at gas stations and restaurants each year
- 1% unlimited cash back on all other purchases
Not only does this JPMorgan credit card have cash back rewards on a regular basis, but you can also earn a bonus amount. When you spend $3,000 over the course of the first three months, you’ll earn an additional $300 cash back.
All rewards from these Chase credit cards can be redeemed for cash back, travel accommodations, or gift cards.
Rates and Fees
If your business has a big purchase coming up, it might be a good idea to take advantage of the introductory rates offered through the Ink Cash® Business Credit Card. For the first twelve months, you’ll enjoy a 0% introductory APR. After this point, you will receive interest rates that vary from 13.49% to 19.49% APR based on your creditworthiness.
Another benefit to this choice for the best Chase credit card is the lack of annual fee. While some business credit cards will come with an annual membership fee, you can take advantage of all the Ink Cash® Business Credit Card can offer without paying for it on a yearly basis.
Conclusion—Top 6 Best Chase Credit Cards
When you take a closer look at all the potential choices included in a thorough Chase credit card review, it can be a challenge to decide which one is the best fit for your wallet. Some of these Chase credit cards may be eliminated based on qualifying factors (needing to be a member of the armed forces or a needing a business credit card, for example). But how will you decide which Chase credit card is right after that?
AdvisoryHQ wanted to make it easy to take a look at all Chase credit cards that might catch your interest in one place. We’ve compiled the basic information and benefits of each card, but it’s up to you to determine which one is the best Chase credit card for your lifestyle.
Do you prefer rewards points or travel miles? Are you in need of something with great introductory interest rates or do you prefer to pay no annual fee? Knowing which features are the most important to you is a great first step in determining the right financial steps to take.
Let this ranking of the top Chase credit cards guide you in the direction you should go. Which one will you choose for your wallet?
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.