The best Chase credit cards are among the most widely used and popular credit cards on the market.
Known for their top-notch benefits, rewards, and features, Chase credit cards offer something for everyone, from frequent travelers to small business owners.
With so many credit card options available, it can be challenging to choose the right one that fits your financial needs.
However, Chase stands out as a leader in the credit card industry, offering some of the best credit cards available today.
In this blog post, we’ll take a closer look at the Best Chase Credit Cards of 2023, including travel rewards, cash back bonuses, and more.
Whether you’re a frequent traveler, a small business owner, or just looking for a great credit card, you’ll find the perfect option in this comprehensive list.
Best Chase Credit Cards of 2023
Chase has got you covered, whether you’re planning an adventurous trip up Kilimanjaro or prefer to indulge in some shopping from the comfort of your own home.
It’s important to know that Chase credit cards usually only go to people with good to excellent credit.
If your credit history needs improvement, it’s a good idea to work on boosting your credit score before submitting your application.
RELATED: Chase Credit Card Login Guide
Best Chase Credit Cards
Here is a list of the best Chase credit cards, complete with details and pros and cons for each.
1. Chase Freedom Flex: Best chase credit cards for Multiple Bonus Categories.
This card has the brawn to handle just about all of your credit card spending needs without an overinflated price tag.
The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.
Pros
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
Cons
- Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
2. Chase Sapphire Reserve: Best Premium Card
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards.
Pros
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points transfer to valuable airline and hotel partners
Cons
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
3. Chase Sapphire Preferred Card: Best Travel Rewards for a Low Annual Fee
The Chase Sapphire Preferred Card is one of the Best Chase Credit Cards of 2023 and is perfect for those who love to travel. With 2x points on dining and travel, you can earn rewards quickly and redeem them for great travel experiences.
This card also offers a generous sign-up bonus, as well as no foreign transaction fees. With an annual fee of $95, the Chase Sapphire Preferred Card is a great value for those who want to earn rewards while traveling.
Pros
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
Cons
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through Chase
4. Ink Business Unlimited Credit Card: Best for High Ongoing Rewards Business Card
Busy business owners will appreciate this card’s simple flat-rate rewards program, which doesn’t require time to manage and optimize.
The Ink Business Unlimited Credit Card is a top choice for small business owners, freelancers, and entrepreneurs. It offers unlimited 1.5% cash back on all purchases, has no annual fee, no foreign transaction fees, and offers free employee cards.
The card also has a range of business-specific benefits, such as special financing options and a year-end summary of expenses. The user-friendly interface and flexible features make it easy to use and manage.
Pros
- Unlimited 1.5% cash back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with Premium Chase credit card accounts for better reward redemption options
Cons
- High foreign transaction fees
- Not a good card for balance transfers
5. Ink Business Preferred® Credit Card: Best Travel Rewards Business Card
The Ink Business Preferred® Credit Card is one of the best chase credit cards available for businesses looking to earn rewards on their business expenses. As a travel rewards card, it offers a rich rewards program that enables business owners to earn valuable points for their travel purchases.
With its flexible redemption options and valuable sign-up bonus, it’s easy to see why the Ink Business Preferred® Credit Card is considered one of the best chase credit cards for businesses looking to maximize their rewards earnings on the road.
Pros
- Remarkable welcome bonus
- No foreign transaction fee
- Employee cards at no additional cost
- Rewards for common business expenses
Cons
- Has annual fee
- Very high cash advance fee
- Very high balance transfer fee
How to Choose a Chase Credit Card
Choosing the right credit card can be a daunting task, especially with so many options available. However, with a little research and careful consideration, you can find the perfect card to meet your needs. If you’re considering a Chase credit card, here are some key factors to help you make the right choice:
Rewards:
One of the most important factors to consider when choosing a credit card is the rewards program. Consider the type of rewards you’re most interested in, such as cash back, points, or miles, and compare the rewards offered by different Chase cards.
Annual Fee:
Some Chase credit cards have an annual fee, while others do not. Consider your spending habits and whether the rewards offered by a card with an annual fee are worth the cost.
Sign-up Bonus:
Many credit cards offer a sign-up bonus for new cardholders. Consider whether a sign-up bonus is important to you and compare the bonuses offered by different Chase cards.
Interest Rates:
If you plan to carry a balance on your credit card, interest rates are an important factor to consider. Compare the interest rates offered by different Chase cards to find the one that offers the lowest rate.
Features:
Consider what features are important to you, such as travel insurance, car rental insurance, or extended warranty coverage. Compare the features offered by different Chase cards to find the one that best fits your needs.
Credit Score:
Keep in mind that Chase’s credit cards typically require good to excellent credit for approval. Before applying for a credit card, check your credit score and work to improve it if necessary.
By considering these factors and doing your research, you can find the perfect Chase credit card to meet your needs. Whether you’re looking for high rewards, flexible features, or a low annual fee, there’s a Chase credit card out there for you.
How to Apply For a Chase Credit Card
Chase makes credit card applications available online and applying is relatively straightforward. The bank does not currently offer a pre-qualification tool on its website unless you already have a Chase account, but you may be mailed a pre-qualification offer inviting you to apply for a specific card.
You’ll need personal and financial details to complete an application, which typically include:
- Full name
- Address
- Social Security Number
- Income figures
Approval or denial may be instantaneous or only take a few minutes, but it may also take some time to hear back. Your card, if approved, will be mailed to you but your account should be accessible online right away.
CONCLUSION: Best Chase Credit Cards
In conclusion, Chase offers a variety of credit cards to suit different needs and preferences. From high ongoing rewards to flexible features, there’s a card for everyone.
Whether you’re a small business owner, freelancer, or simply looking for a personal credit card, the best Chase credit cards of 2023 are sure to meet your needs.
By carefully considering your options and choosing the card that best fits your lifestyle, you can take advantage of the many benefits and rewards that come with a Chase credit card.
So, go ahead and explore the best Chase credit cards today!
Frequently Asked Questions (FAQs)
What is the top credit card from Chase?
1. Chase Sapphire Preferred® Card: Best for all-around travel.
2. Ink Business Preferred℠ Credit Card: Best for business travel.
3. Ink Business Cash® Credit Card: Best for everyday business purchases.
Is chase a good credit card?
Chase credit cards are known for great rewards — including both sign-up bonuses and generous rates on spending — and a fantastic points program. Chase issues some of the best co-branded airline, hotel and store credit cards on the market.
Which Chase credit card is best?
The best Chase credit cards for an individual depends on their unique financial circumstances, goals, and credit score. Chase offers a range of cards for different consumers, from students to luxury travel cardholders. To find the best card, consider your credit score, goals, and willingness to maximize card benefits.
Other Credit Cards To Be Considered
