Best Chase Credit Cards in July 2024

card_name is the best Chase credit card for beginners because it offers tremendous value. Cardholders can earn up to 5x points on purchases and get up to $50 in statement credits each year for hotel reservations booked through Chase.

This card earns Chase Ultimate Rewards points, which is an excellent rewards program for beginners. The points can be redeemed for cash back, gift cards, travel, and more. Plus, when redeeming for flights, hotels, rental cars, and other travel reservations through Chase, they're worth 1.25 cents per point, which offers 25% more value than getting cash back. Points can also be transferred on a 1:1 basis to 14 airline and hotel partners to combine with your existing rewards to book award travel reservations.

With the Chase Sapphire Preferred, you'll earn:

• 5x on travel purchased through Chase Ultimate Rewards.
• 2x on all other travel.
• 3x on dining, online grocery orders, and select streaming services.
• 1x on everything else.

Plus, you'll receive anniversary bonus points totaling 10% of that year's purchases. For example, if you spend $15,000 that year, you'll receive 1,500 bonus points.

The card_name includes valuable travel and purchase protections for free, and does not charge foreign transaction fees. It also includes limited time offers to receive more points, monthly credits, and upgrades with Lyft, Instacart, DoorDash, and Peloton.

Introductory Offer:

• Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening. That’s equivalent to $750 when redeemed through Chase Travel℠.

Card Rewards:

• 5x points on travel booked through Chase Travel℠.
• 3x points on dining, select streaming services, and online groceries.
• 2x points on all other travel purchases.
• 1x points on all other purchases.

Additional Benefits:

• $50 Annual Chase Travel Hotel Credit and more.
• Get 25% more value when redeeming points for airfare, hotels, car rentals, and cruises through Chase Travel℠. For instance, 60,000 points are worth $750 toward travel.
• Trip Cancellation/Interruption Insurance
• Auto Rental Collision Damage Waiver
• Lost Luggage Insurance
• Complimentary DashPass Access: Enjoy $0 delivery fees and lower service fees for at least one year when activated by December 31, 2024.

Member FDIC

card_name is the ultimate travel credit card from Chase. It includes over $1,200 in additional value that easily justifies its hefty annual fee for frequent travelers. Benefits include an annual $300 travel credit, up to 10x points on purchases, complimentary airport lounge access, generous travel protections, and more.

The $300 travel credit automatically applies to travel purchases made on your Sapphire Reserve each year. You'll earn 3x points on travel purchases worldwide or when you book reservations through Chase Ultimate Rewards, 10x points on hotels and car rentals, and 5x points on flights (after the first $300 is spent on travel each year). The card also receives 3x on dining or 10x on Chase Dining purchases with Ultimate Rewards.

While you can redeem points for cash back, gift cards, and online shopping, you'll get the most value by booking travel or by transferring points to its partners. When booking flights, hotels, and more through Chase, you'll receive 1.5 cents per point, which is 50% more value. Points transfer on a 1:1 basis to 14 airline and hotel partners, which could lead to even higher value depending on how they're used.

When traveling, you'll receive complimentary access to more than 1,300 airport lounges with a Priority Pass Select membership. The card also reimburses up to $100 every four years for Global Entry, TSA PreCheck, or NEXUS application fees. card_name includes some of the best travel protections of any travel credit card, including trip cancellation/interruption, primary rental car protection, lost luggage, trip delay, and emergency evacuation and transportation. It also includes purchase and return protection, as well as an extended warranty on eligible items.

Introductory Offer:

• Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening and redeem them through ChaseTravel℠ for $900 toward travel.

Card Rewards:

• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.
• Earn 3x points on other travel and dining, and 1 point per $1 spent on all other purchases.

Additional Benefits:

• Annual Travel Credit: Receive $300 as reimbursement for travel purchases charged to your card each account anniversary year.
• Get 50% more value when you redeem points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Point Transfer: 1:1 point transfer to leading airline and hotel loyalty programs.
• Airport Lounge Access: Access to 1,300+ airport lounges worldwide after a one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®.
• Travel Protections: Includes Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.

Member FDIC

This Chase card helps consumers start building credit without paying an annual fee. It also earns 1.5% cash back, provides a $25 incentive for enrolling in automatic payments, and offers a chance at a credit limit increase in as soon as six months.

Building credit can be a challenge for many. When you have a Chase checking account with at least $250, you'll increase your chances of getting approved for the card_name. This is not a secured credit card, so you don't need to make a security deposit to open an account.

Cardholders earn an unlimited 1.5% cash back on every purchase. These rewards never expire as long as the account is open, and there is no minimum to redeem for cash back. Rewards can be redeemed for cash back, travel, gift cards, and more with a value of up to 1 cent per point. Additionally, the card includes purchase protections, an extended warranty, trip cancellation/interruption insurance on eligible items, and complimentary partner benefits with DoorDash, Lyft, and Instacart.

Card Benefits:

• Increase your approval chances: Maintaining a Chase checking or savings account with a balance of at least $250 can boost your chances of getting approved for Chase Freedom Rise®.
• Earn Cash Back: With Chase Freedom Rise℠, build your credit while earning 1.5% cash back on all purchases. Cash Back rewards never expire as long as your account is open, and there’s no minimum to redeem.
• Earn a $25 statement credit: Sign up for automatic payments within the first three months of opening your account to receive a $25 statement credit. Simply choose a date and amount to ensure your Credit Card gets paid on time.
• Credit Limit Increase: As a Chase cardmember, you’ll be evaluated for a credit line increase as soon as 6 months. Your credit line is the maximum amount you can spend on your Freedom Rise℠ Card.
• Free Credit Score: Track your credit score and learn how to improve it with Chase Credit Journey.
• No Annual Fee: Enjoy all the great features of your Freedom Rise℠ card without paying an annual fee.

Member FDIC

The card_name offers 5% rewards on all purchases at Whole Foods Market online or in-store, at Amazon.com, and through Amazon Fresh online or in-store with an eligible Prime membership. While Amazon is primarily known for online shopping, it's also a smart choice for groceries and household items.

This card also earns 5% on Chase Travel for Prime members and 2% on gas, dining, local transit, and commuting. Plus, select products at Amazon can earn 10% back or more with your Prime membership. All other purchases earn 1% rewards with no annual fee and no foreign transaction fees. Rewards can be redeemed for Amazon credits as soon as the next day or through Chase for cash back, gift cards, or travel.

Cardholders also enjoy travel and purchase protections at no extra charge. Travelers receive rental car protection, lost or delayed baggage benefits, roadside dispatch, and more. Eligible purchases are covered with an extended warranty and purchase protection.

• Unlimited 5% back on their Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel purchases for Prime members (or 3% for non-prime members) and those points can be redeemed for future Amazon.com purchases or for cash back, gift cards or travel via Chase.
• Unlimited 2% back at restaurants, gas stations and on local transit and commuting (including rideshares).
• Unlimited 1% back on all your other purchases.
• No annual fee.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

Small business owners can maximize their rewards with the card_name. It earns 3x points on the first $150,000 in common business expenses each year, such as shipping, online advertising, internet, cable, phone, and travel. This card also earns 5x points on Lyft rides through March 2025. In addition, owners can add employee cards with individual spending limits at no extra charge.

Points earned from the card have numerous redemption options, including cash back, gift cards, travel, and more. When you book travel through Chase, your points are worth 25% more (1.25 cents each). The points also transfer on a 1:1 basis to 14 airline and hotel partners, where you can book award flights and rooms at a potentially even higher value.

When you use the card_name to make purchases, it includes complimentary travel, cellphone and purchase protections on eligible items. These protections include trip cancellation/interruption insurance, primary rental car protection, purchase protection against theft or damage, and an extended warranty.

Introductory Offer:

Earn 120,000 bonus points after spending $8,000 on purchases within the first 3 months from account opening. That’s equivalent to $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠.

Card Rewards:

• 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
• 1 point per $1 on all other purchases.

Additional Benefits:

• Round-the-clock monitoring for unusual credit card purchases.
• 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. Points don’t expire as long as your account is open.
• 25% More Value: Points are worth 25% more when redeemed for travel through Chase Travel℠.
• Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.

Member FDIC

The card_name is our choice for the best Chase credit card for airline miles. It earns up to 2x miles on purchases, includes special benefits when flying United, and waives the first year's annual fee.

The card earns United MileagePlus miles on everyday purchases. You'll earn 2x miles on United, on dining purchases, and when booking hotels directly. All other purchases get 1x miles. The card also reimburses up to $100 every four years when you pay for Global Entry, TSA PreCheck, or NEXUS application fees.

You'll enjoy complimentary travel and purchase protections on eligible purchases. You're covered against theft or damage with primary rental car protection, lost or delayed baggage, trip delays, and if your trip is canceled or interrupted. Eligible items are covered against damage or theft and receive an extended warranty at no extra charge.

When flying United, you'll receive even more benefits. The first checked bag is free for you and one companion. You and your travel companions receive priority boarding and 25% back on United inflight and Club purchases. It also includes two complimentary United Club passes each year. Plus, if you have Premier status, you and a travel companion are eligible for complimentary upgrades on select flights.

Introductory Offer:

• Limited-time offer: Earn 60,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening.
• Annual Fee: $0 for the first year, then $95.

Rewards:

• Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases.
• Receive up to $100 credit for Global Entry, TSA PreCheck®, or NEXUS fees.
• Get 25% back as a statement credit on food, beverages, and Wi-Fi purchases on United-operated flights and Club premium drinks when using your ExplorerCard.

Additional Benefits:

• Enjoy a free first checked bag, saving up to $160 per roundtrip. Terms apply.
• Benefit from priority boarding and receive 2 one-time United Club℠ passes each year on your anniversary.

Member FDIC

The card_name is ideal for consumers who need extra time to pay off their balances. It offers a 0% intro APR for 18 months on both purchases and balance transfers. That's one and a half years of interest-free financing to pay off your existing balances and avoid interest charges on new purchases.

While this card doesn't earn rewards, it helps cardholders improve their credit and reduce interest charges. Each year, cardholders can lower their interest rate by 2% by making on-time payments and spending at least $1,000 by their next card anniversary. Additionally, Chase automatically reviews accounts for a credit limit increase when you pay on time and spend $500 or more in the first six months.

Chase includes complimentary purchase protection and extended warranty coverage on eligible items. Plus, the Slate Edge offers secondary rental car coverage against theft or damage. For a limited time, cardholders also receive DoorDash and Instacart benefits.

• Purchases and balance transfers are interest free with 0% intro APR for 18 months from account opening, after that a variable APR of 20.49%-29.24%. †Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.
• You won't have to pay an annual fee†Opens pricing and terms in new window for all the great features that come with your Slate Edge® card.
• You will automatically be considered for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card by your next account anniversary, until your APR reaches the Prime Rate plus 9.74% (currently 18.24% variable APR based on the Prime Rate of 8.50% as of 08/01/2023).†Opens pricing and terms in new window*Opens offer details overlay Your final APR reduction could be less than 2% depending on the APR you receive with your card.
• Special welcome offer: Get an automatic review for a higher credit limit when you pay on time and spend $500 in your first six months.*
• Chase Credit Journey helps you monitor your credit with free access to your latest score, critical alerts,*Opens offer details overlay and more.
• For a limited time, enjoy a balance transfer fee of 3%, with a minimum $5. After 60 days, the fee is either $5 or 5% of the amount of each transfer, whichever is greater.†
• Purchase protection
• Extended Warranty Protection
• Zero Liability Protection
• Balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
• Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.

The Chase Freedom Flex is an excellent cash back credit card that earns up to 5% cash back on quarterly rotating categories. When you activate the promotions, you'll get 5% cash back on the first $1,500 you spend on eligible purchases each quarter. When you max out the rotating category bonuses, you'll earn $300 cash back each year.

The Freedom Flex has no annual fee and earns 5% cash back on travel purchased through Chase, 3% on dining and drugstore purchases, and 1% on everything else. It also comes with a 0% intro APR offer for 15 months on purchases and balance transfers. The rewards can be redeemed for cash back, travel, gift cards, and shopping at Amazon.

Cardholders also receive purchase protection, cellphone protection, and an extended warranty on eligible purchases. Additionally, your trips are covered with trip cancellation/interruption insurance and secondary rental car protection.

• Earn 10% cash back on grocery store purchases (excluding Target® and Walmart®)*Opens offer details overlay on up to $12,000 spent in the first year.
• Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase TravelSM, 3% on dining including takeout and drug stores, and 1% on all other purchases.
• 0% intro APR for 15 months from account opening on purchases and balance transfers.†Opens pricing and terms in new window After the intro period, a variable APR of 20.49%–29.24%.†Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.
• $0 annual fee.
• Balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
• Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.

One of the best Chase credit cards for everyday spending is the card_name because it earns a minimum of 1.5% cash back on every purchase. Plus, it offers bonus categories earning up to 5% cash back on your purchases without charging an annual fee.

Cardholders can earn valuable rewards on everyday purchases with:

• 5% on travel purchased through Chase Ultimate Rewards.
• 3% on dining and drugstore purchases.
• UNLIMITED 1.5% on all other purchases.

Rewards never expire as long as your account is open, and there are numerous redemption options to choose from. Rewards earned are Chase Ultimate Rewards points, which can be redeemed for cash back, gift cards, travel, or shopping at Amazon. Cardholders also enjoy purchase and travel protections at no extra charge. Purchase protections include coverage against damage or theft and an extended warranty on eligible items. Travel protections include trip cancellation/interruption insurance and coverage for theft or damage to your rental car.

Introductory Offer:

• Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), which can add up to $300 in cash back!
• 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Intro Card Rewards:

• 6.5% cash back on travel booked through Chase Travel℠, our top-tier rewards program where you can redeem for cash back, travel, gift cards, and more.
• 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• 3% cash back on all other purchases (up to $20,000 spent in the first year).

After the First Year or $20,000 Spent Card Rewards:

• 5% cash back on travel booked through Chase Travel℠.
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• Unlimited 1.5% cash back on all other purchases.

Additional Benefits:

• No minimum to redeem for cash back. Choose a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards never expire as long as your account is open!
• No annual fee – Enjoy all the great features of your Freedom Unlimited® card without paying an annual fee.
• Credit Monitoring – Keep track of your credit health with Chase Credit Journey, offering free access to your latest score, alerts, and more.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name offers unlimited 2x United MileagePlus miles on gas station purchases without charging an annual fee. This allows cardholders to earn miles toward their next vacation while commuting to work, running errands around town, and all of their other gas purchases. New cardholders get extra time to pay off their items without incurring interest charges with a 0% intro APR for 12 months on purchases.

In addition to earning bonus miles at gas stations, the United Gateway Card also earns 2x miles on United purchases, local transit, and commuting purchases. In addition to earning 2x miles on inflight food, beverages and WiFi, baggage fees and other United purchases, cardholders also receive 25% back on inflight and United Club food, drink, and WiFi purchases. The card also offers 2x miles on rideshare, taxis, train tickets, tolls and mass transit.

card_name cardholders also receive rental car protection, trip cancellation/interruption insurance, purchase protection, and an extended warranty on eligible purchases. Plus, there are no foreign transaction fees when making purchases outside the U.S.

Introductory Offer:

• Limited-Time Offer: Earn 30,000 bonus miles.

Rewards:

• Earn 2 miles per $1 spent on United® purchases, at gas stations, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases.

Additional Benefits:

• Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks when you pay with your GatewayCard.
• Annual Fee: None.

Member FDIC

• Balance Transfers fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash Advances fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
• Foreign Transactions fee: None

For an active member of the military, Chase waives the annual fee on its credit cards. The card_name offers valuable benefits that reward cardholders for flying Southwest and using the card for everyday purchases. It earns up to 3x points, provides an anniversary bonus of 7,500 points, and includes a $75 Southwest travel credit every year.

With your card_name, you'll earn:

• 3x on Southwest flights and other purchases.
• 2x with Rapid Rewards hotel and car rental partners.
• 2x on local transit, commuting and rideshares.
• 2x on internet, cable, phone and select streaming.
• 1x on everything else.

Exclusive cardholder benefits also include four Upgraded Boardings per year, 25% back on inflight purchases, and 10,000 qualifying points each year toward earning the Companion Pass. Additionally, you can earn unlimited tier qualifying points (TQPs) toward A-List status based on your spending. These benefits are in addition to the standard benefits that travelers love, including two free checked bags, no change fees, and no blackout dates on award tickets.

Introductory Offer:

• Earn 50,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Card Rewards:

• 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.

Additional Benefits:

• 7,500 anniversary points each year.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee