The best Chase credit cards of July 2021

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Whether you’re looking for a premium travel card, an introduction into the world of points and miles, an easy cash-back option or a small business credit card, Chase has you covered. And since Chase cards are easily paired with each other for maximum value, people tend to hold more than one Chase card at once. Today I want to go through this magical combination to demonstrate just how lucrative it can be. Let’s start by looking at the best Chase credits cards from our partners overall, many of which we also value as some of the best credit cards on the market today.

Best overall mid-tier card

Chase Sapphire Preferred® Card

TPG Editor's Rating
tooltip

4.5/5
at Chase's secure site

Rewards

1 - 2X points
more info
  • 2X2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
  • 1X1 point per dollar spent on all other purchases.

Intro Bonus

100,000 points
details

Annual Fee

$95

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Sporting an all-time-high sign-up bonus and offering an excellent 2x on all travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 13 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $2,000.
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Best overall mid-tier card

Chase Sapphire Preferred® Card

TPG Editor's Rating

tooltip
4.5/5
  • 2X 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
  • 1X 1 point per dollar spent on all other purchases.

Intro Bonus
tooltip

100,000 points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Sporting an all-time-high sign-up bonus and offering an excellent 2x on all travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 13 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $2,000.
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Best for dining and travel insurance

Chase Sapphire Reserve®

TPG Editor's Rating
tooltip

4.5/5
at Chase's secure site

Rewards

1 - 3X points
more info
  • 3X3X points on travel immediately after earning your $300 travel credit.
  • 3X3X points on dining at restaurants including eligible delivery services, takeout and dining out.
  • 1X1 point per $1 spent on all other purchases

Intro Bonus

60,000 points
details

Annual Fee

$550

Recommended Credit

740-850
Excellent
more info
Why we chose it

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3x points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards

Cons

  • Steep initial $550 annual fee
  • May not make sense for people that don't travel frequently
  • 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best for dining and travel insurance

Chase Sapphire Reserve®

TPG Editor's Rating

tooltip
4.5/5
  • 3X 3X points on travel immediately after earning your $300 travel credit.
  • 3X 3X points on dining at restaurants including eligible delivery services, takeout and dining out.
  • 1X 1 point per $1 spent on all other purchases

Intro Bonus
tooltip

60,000 points

Annual Fee

$550

Recommended Credit
tooltip

740-850
Excellent
Why we chose it

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3x points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards

Cons

  • Steep initial $550 annual fee
  • May not make sense for people that don't travel frequently
  • 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best for non-bonus spending

Chase Freedom Unlimited®

TPG Editor's Rating
tooltip

4/5
at Chase's secure site

Rewards

1.5 - 5% cash-back
more info
  • 5%Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5%Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1.5%Earn unlimited 1.5% cash back on all other purchases.

Intro Bonus

$200
details

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Best for non-bonus spending

Chase Freedom Unlimited®

TPG Editor's Rating

tooltip
4/5
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1.5% Earn unlimited 1.5% cash back on all other purchases.

Intro Bonus
tooltip

$200

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Best for rotating bonus categories

Chase Freedom Flex℠

TPG Editor's Rating
tooltip

3.5/5
at Chase's secure site

Rewards

1 - 5% cash-back
more info
  • 5%Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5%Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5%Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3%Earn 3% on dining and drugstores.
  • 1%Earn 1% on all other purchases.

Intro Bonus

$200
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about.

Pros

  • The generous sign-up bonus is impressive for a no annual fee card
  • The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores
  • Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card

Cons

  • You must remember to actviate your bonus categories quarterly or risk not earning 5x on select purchases
  • This card charges foreign transaction fees so it's best to use it within the U.S.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Best for rotating bonus categories

Chase Freedom Flex℠

TPG Editor's Rating

tooltip
3.5/5
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1% Earn 1% on all other purchases.

Intro Bonus
tooltip

$200

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about.

Pros

  • The generous sign-up bonus is impressive for a no annual fee card
  • The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores
  • Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card

Cons

  • You must remember to actviate your bonus categories quarterly or risk not earning 5x on select purchases
  • This card charges foreign transaction fees so it's best to use it within the U.S.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Best for business travelers

Ink Business Preferred® Credit Card

TPG Editor's Rating
tooltip

4.5/5
at Chase's secure site

Rewards

1 - 3X points
more info
  • 3XEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1XEarn 1 point per $1 on all other purchases – with no limit to the amount you can earn

Intro Bonus

100,000 points
details

Annual Fee

$95

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance; and perks including cellphone and purchase protection
  • Extended warranty
  • Trip cancellation/interruption insurance; trip delay reimbursement

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With 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 - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee
Best for business travelers

Ink Business Preferred® Credit Card

TPG Editor's Rating

tooltip
4.5/5
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

Intro Bonus
tooltip

100,000 points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance; and perks including cellphone and purchase protection
  • Extended warranty
  • Trip cancellation/interruption insurance; trip delay reimbursement

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With 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 - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee

TPG Editor's Rating
tooltip

4/5
at Chase's secure site

Rewards

1.5% cash-back
more info
  • 1.5%Earn unlimited 1.5% cash back on every purchase made for your business

Intro Bonus

$750
details

Annual Fee

$0

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Ink Business Unlimited’ sign-up gives you a generous $750 cash back spending $7,500 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred.

Pros

  • No annual fee
  • A generous $750 cash-back sign-up bonus
  • Flat 1.5% cash back on all purchases
  • Primary insurance for car rentals
  • 0% introductory APR for the first 12 months on purchases (then a variable APR of 13.24% - 19.24% applies)

Cons

  • Higher spend to receive sign-up bonus
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • No travel protections
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Best for freelancers

Ink Business Unlimited® Credit Card

TPG Editor's Rating

tooltip
4/5
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

Intro Bonus
tooltip

$750

Annual Fee

$0

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Ink Business Unlimited’ sign-up gives you a generous $750 cash back spending $7,500 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred.

Pros

  • No annual fee
  • A generous $750 cash-back sign-up bonus
  • Flat 1.5% cash back on all purchases
  • Primary insurance for car rentals
  • 0% introductory APR for the first 12 months on purchases (then a variable APR of 13.24% - 19.24% applies)

Cons

  • Higher spend to receive sign-up bonus
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • No travel protections
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Best for telecom and office supplies

Ink Business Cash® Credit Card

TPG Editor's Rating
tooltip

4/5
at Chase's secure site

Rewards

1 - 5% cash-back
more info
  • 5%Earn 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%Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1%Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Intro Bonus

$750
details

Annual Fee

$0

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.

Pros

  • The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories
  • There is no annual fee which is perfect for small business owners
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year

Cons

  • 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
Best for telecom and office supplies

Ink Business Cash® Credit Card

TPG Editor's Rating

tooltip
4/5
  • 5% Earn 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% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Intro Bonus
tooltip

$750

Annual Fee

$0

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.

Pros

  • The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories
  • There is no annual fee which is perfect for small business owners
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year

Cons

  • 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

The best Chase credit cards for July 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Chase Sapphire Preferred® Card Best overall mid-tier card 100,000 points
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
  • 1 point per dollar spent on all other purchases.
$95
Chase Sapphire Reserve® Dining and travel insurance 60,000 points
  • 3X points on travel immediately after earning your $300 travel credit.
  • 3X points on dining at restaurants including eligible delivery services, takeout and dining out.
  • 1 point per $1 spent on all other purchases
$550
Chase Freedom Unlimited® Non-bonus spending $200
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • Earn 3% on dining and drugstores.
  • Earn unlimited 1.5% cash back on all other purchases.
$0
Chase Freedom Flex℠ Rotating bonus categories $200
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • Earn 3% on dining and drugstores.
  • Earn 1% on all other purchases.
$0
Ink Business Preferred® Credit Card Business travelers 100,000 points
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
$95
Ink Business Unlimited® Credit Card Business travelers $750
  • Earn unlimited 1.5% cash back on every purchase made for your business
$0
Ink Business Cash® Credit Card Telecom and office supplies $750
  • Earn 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
$0

Best Chase credit cards

Chase Sapphire Preferred Card: Best overall mid-tier card

Photo by Eric Helgas
The Sapphire Preferred is an excellent beginner card. (Photo by Eric Helgas/The Points Guy)

Sign-up bonus: Earn 100,000 Ultimate Rewards points after spending $4,000 in the first three months from opening your account.

Earning rate(s): 5x on Lyft rides (through March 2022); 2x on dining and travel; 1x everywhere else.

Annual fee: $95

We love it: For some, the cost of the Chase Sapphire Reserve is too steep to justify. At $550 annually, it’s not a cheap card, although $300 of that cost is effectively recouped each year through the card’s annual travel credit. Still, not everyone wants to lay out $550 upfront for a credit card. So as a backup option, you could substitute the Chase Sapphire Preferred for the Sapphire Reserve.

The Sapphire Preferred comes with a much more reasonable $95 annual fee (although with no annual travel credit). Since the card earns 2x for the same travel and dining purchases as the Sapphire Reserve, you’re only giving up 1x in those categories. And you will only earn half as many points for Lyft rides (5x versus 10x), you won’t get a complimentary year of Lyft Pink and the Preferred doesn’t come with any DoorDash credits. However, you can get the same complimentary DashPass membership for at least 12 months as long as you set your card to the default payment method by Dec. 31, 2021.

Additionally, if you are a Peloton fanatic, you can get up to $60 back on all eligible Peloton Digital or All-Access membership through Dec. 31, 2021.

And right now, the Sapphire Preferred comes with the best-ever sign-up bonus we’ve seen on this card — a whopping 100,000 points after spending just $4,000 in the first three months of account opening. That’s worth $2,000 in travel according to TPG valuations — the best offer we’ve seen on any competing mid-tier travel rewards card.

So if you’re nervous about taking on an expensive credit card like the Sapphire Reserve or you don’t expect to have enough yearly travel and dining expenses to make the bonus points worth it, swap in the Chase Sapphire Preferred for your quartet. It’ll still provide a ton of value — including the option to convert cash-back points into fully-transferable ones.

It also includes various similar perks to the Sapphire Reserve, including primary car rental coveragebaggage delay insurance and trip cancellation/interruption protection. And it was chosen as the Best Travel Rewards Credit Card at the 2020 TPG Awards.

Like the Sapphire Reserve, the Chase Sapphire Preferred has added temporary benefits to help you maximize your card when you may not be traveling as much.

Related: Chase Sapphire Preferred review

Chase Sapphire Reserve: Best for dining and travel insurance

(Photo by Wyatt Smith/The Points Guy)
Its high annual fee then covers the perks and credits that come with the Sapphire Reserve. (Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: Earn 60,000 Ultimate Rewards points after spending $4,000 in the first three months from opening your account.

Earning rate(s): 10x on Lyft rides (until March 2022); 3x on dining and travel; 1x on everything else.

Annual fee: $550

Why we love it: If you order from restaurants often, the Sapphire Reserve offers 3x points on these purchases. Based on TPG’s valuations, that’s a fantastic return of 6%. I’ve also found that Chase tends to be quite broad in how it defines restaurant purchases. I’ve even had bars (that serve no food) and my local private yacht club post as restaurant transactions, so this is a fantastic way to boost your earnings across various merchants. In a typical month, I’d guess my household spends roughly $1,500 on dining out (mostly takeout or delivery right now), which translates to $18,000 per year. This means that, during a year, we take home 54,000 Ultimate Reward points, worth $1,080.

The card also has some limited-time perks for Lyft and DoorDash. You can earn up to $120 in DoorDash credits ($60 in 2021) and get at least 12 months (but up to 24 months) of complimentary DashPass membership, which gets you waived delivery fees on orders of $12+ at participating restaurants. Cardholders are also eligible for a complimentary year of Lyft Pink (15% off Lyft rides and more), which normally costs $19.99 a month. For more details, take a look at our Questions and Answers post on these changes.

Another category that offers triple points on the Sapphire Reserve is travel, and this is also defined broadly by Chase. Here’s the official definition from the issuer’s Reward Category FAQs:

“Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.”

As you can see, this includes purchases that fall under travel with most cards, including airlines, hotels and car rentals. However, it also includes tolls, paid parking and even Airbnb. This is another category where I spend a decent amount of money every month, roughly $750 by my recent estimate. Over the course of the year, this translates to 27,000 points worth $540.

Similar to the Chase Sapphire Preferred, you’ll also receive statement credits towards eligible Peloton Digital or All-Access Membership through Dec. 31, 2021. With the Chase Sapphire Reserve, the amount is doubled, where you can receive up to $120 back.

Related: Chase Sapphire Reserve review

Chase Freedom Unlimited: Best for non-bonus spending

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn $200 bonus after spending $500 in their first three months of account opening. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Earning rate(s): 5% cash back on Lyft rides (through March 2022); 5% on travel booked through Chase Ultimate Rewards; 3% on dining and drugstores; 1.5% cash back on other purchases.

Annual fee: $0

Why we love it: Another lucrative rewards credit card from Chase is the Freedom Unlimited, which is a great option for purchases that don’t fall into the typical bonus categories offered by other cards. The card also comes with three months of DashPass (no DoorDash delivery fees on orders over $12 at participating locations) with the next nine months for 50% off and after that, the membership returns to its normal price of $9.99 a month. To activate your DashPass membership, just set your eligible card as the default DoorDash payment method.

If you can pair this card with a premium card such as the Sapphire Reserve or Sapphire Preferred, you’re getting a 3% return on non-bonus spending — for me, non-bonus spending includes my monthly utility bills, my daughter’s after-school care and my monthly Crossfit membership. I put about $1,000 per month on this card. Over the course of the year, my monthly spending nets me 18,000 Ultimate Rewards points, worth $360.

Chase announced several new benefits recently added to the card that now makes it an even more attractive companion to your other Chase credit cards.

Related: Chase Freedom Unlimited review

Chase Freedom Flex: Best for rotating bonus categories

(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn $200 cash bonus after spending $500 in the first three months from opening the account. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Earning rate(s): 5% cash back on the first $1,500 in combined purchases in select rotating quarterly bonus categories (activation required); 5% cash back on Lyft rides (through March 2022); 3% on dining and drugstores; 1% cash back on all other purchases.

Annual fee: $0

Why we love it: The Chase Freedom Flex is a no-annual-fee credit card that offers 5% cash back (5x points) at merchants that rotate each quarter. The card also comes with the same DoorDash benefits as the Freedom Unlimited.

In each quarter you activate, you earn 5% back on the first $1,500 in combined eligible purchases in the bonus category, then 1% cash back on all other purchases. I generally max out the bonus categories each quarter (before shifting my spending back to other, more rewarding options). This translates to 7,500 points per quarter or 30,000 points per year, worth $600.

Ink Business Preferred Credit Card: Best for business travelers

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: Earn 100,000 Ultimate Rewards points after you spend $15,000 in the first three months from opening the account

Earning rate(s): 3x on the first $150,000 spent annually in combined purchases on travel, shipping, internet, cable and phone services and on advertising purchases made with social media sites and research engines each account anniversary year.

Annual fee: $95

Why we love it: The Ink Business Preferred is an excellent mid-tier business credit card that rewards cardholders on an array of business expenses. You’re earning valuable Ultimate Rewards points that can be redeemed at 1.25 cents each through the Chase Ultimate Rewards portal or maximized by transferring to partners.

While the $15,000 in the first three months is steep to earn the sign-up bonus, keep in mind that this is a business credit card. Many small businesses easily spend $5,000 in combined expenses each month. The card charges a modest $95 annual fee and does offer cell phone protection as an added perk. Be mindful that Chase currently requires potential applicants to sign in to an existing Chase account before applying.

Related: Ink Business Preferred review 

Ink Business Unlimited Card: Best for business travelers

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn $750 cash bonus after spending $7,500 in the first three months from opening the account.

Earing rate(s): 1.5% cash back on every purchase

Annual fee: $0

Additional details: The Ink Business Unlimited mirrors the personal Chase Freedom Unlimited with the same rewards structure and no annual fee. Since it earns a flat rate across all purchases, it works best for business expenses that don’t fall into other bonus categories. This is also a great card for freelancers who may not spend enough in certain categories to warrant an annual fee or set bonus categories. The new sign-up bonus on this card is also a great reason to apply — especially if you have other Chase cards to convert your points into full-fledged Ultimate Rewards points.

Related: Ink Business Unlimited review

Ink Business Cash Card: Best for telecom and office supplies

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn $750 cash bonus after spending $7,500 in the first three months from opening the account.

Earning rate(s): 5% cash back on the first $25,000 in combined purchases made each account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined purchases spent each account year at restaurants and gas stations; 5% cash back on Lyft rides; 1% back on all other purchases.

Annual fee: $0

Why we chose it: One of the most lucrative business credit cards is the Ink Business Cash credit card. It’s my go-to card for my monthly phone, internet and cable bills in my home office, as well as purchases at office supply stores. These will earn 5% cash back (5x) on up to $25,000 in combined purchases each year.

As mentioned above, the points you earn on this card are technically only redeemable for cash back at a rate of one cent each. Still, when you pair them with the Sapphire ReserveSapphire Preferred or the Ink Business Preferred, they immediately become transferable to partners including Hyatt and United. As a result, this gives you a fantastic return of 10% on these purchases.

I spend about $400 per month on telecommunications and about $250 per month at office supply stores. This boosts my Ultimate Rewards balance each year by another 39,000 points, worth $780.

Related: Ink Business Cash credit card review

The Chase quartet

Chase cards are easy to pair and maximize, making it worth considering adding multiple to your wallet. We have an entire guide dedicated to what’s referred to as the Chase Trifecta of credit cards, but I personally use a Chase quartet to maximize my own purchases.

From this group, new applicants can only have either the Sapphire Reserve or the Sapphire Preferred — not both (we’ll discuss how to choose one over the other shortly). It’s also worth pointing out that four of the Chase credit cards listed above are technically billed as cash-back credit cards.

Although they’re rewarding in their own right, they take on exceptional value when paired with full-fledged Ultimate Rewards credit cards such as the Sapphire Reserve or Sapphire Preferred. This is because the program lets you combine Ultimate Rewards points between accounts, allowing you to convert your cash-back points to fully transferable Ultimate Rewards points. That’s one of the main reasons this quartet of cards is so powerful.

That being said, which four make up your quartet will likely differ from someone else’s. It all depends on where you spend your money regularly, how you want to redeem the points and miles you earn, and how you value the various perks provided on the best travel credit cards. As always, be sure to evaluate your spending habits and redemption goals to select cards that fit your situation.

Research methodology

Choosing the best Chase credit card for you may seem overwhelming, and you may not know where to start. So at TPG, we’ve tried to make the process as simple as possible. As a handy guide, here are some factors we consider important when reviewing credit card options.

Here’s what to consider when deciding which Chase credit card is right for you.

  • Reward rates — We look at which Chase cards earn the most rewards in spending categories such as groceries, gas, travel and everyday spending.
  • Annual fee — Annual fees vary and sometimes, a higher annual fee can mean a higher rewards rate and better perks. We look at the balance between each card’s cost and compare it to its earning potential and benefits offerings to see which are worth the annual fees.
  • Sign-up bonus — Which card offers the best sign-up bonus and what form is best for you — points or cash back? A sign-up bonus can greatly increase the overall value of a card in its first year, which means it’s one of the primary factors we consider when researching.
  • Pairability — We look at how well these Chase cards can fit into a larger credit card strategy. This includes considering if you can convert your rewards to transferable currencies with your other cards.

Maximize your Chase Ultimate Rewards credit cards

Given the spending habits outlined above, how much value do I get from my four cards (using the Chase Sapphire Reserve versus the Chase Sapphire Preferred)? If you add up my earnings, I’m taking home roughly 168,000 Ultimate Rewards points every year. This haul is worth $3,360, and with yearly spending of $52,800, that equates to an incredible return of 6.36%.

Even when you take out the $250 effective annual fee that I’m paying on the Sapphire Reserve, it’s still nearly 6%, and even that doesn’t factor in the additional perks on the Sapphire Reserve card, such as Priority Pass membership and primary car rental coverage. It also excludes any bonuses earned from the Ultimate Rewards shopping portal, a simple yet effective strategy for boosting your earnings even higher.

However, I don’t put every dollar I spend on one of these four cards. There are a couple of others that offer an even better return on purchases with certain merchants or categories:

Will business credit cards add to my Chase 5/24 count?

In most cases, small-business credit cards will not add to your Chase 5/24 count because they don’t appear on your personal credit report. This actually includes Chase business credit cards, as well. So if you’re at 4/24 (four credits cards opened in the past 24 months) and you open the Ink Cash card, you’ll still be under 5/24 even though you just opened a Chase card.

However, if you open a business card with Discover or Capital One, that account will be reported to your personal credit report and will add to your Chase 5/24 total.

If my application is denied is there anything I can do to get approved?

If your credit card application is denied, you can call the Chase reconsideration line to speak to a specialist about why it was declined. If you’re not over 5/24, it is possible to have the decision reversed.

For example, Chase will extend you a certain amount of credit based on your income and if you’ve already reached that limit, your application can be denied. However, it’s possible to move credit from existing accounts to the new account. So, as an example, instead of having all of your $20,000 in credit attached to a single card, you could move half of that to a new account to facilitate an approval.

The Chase reconsideration line for personal cards is 888-270-2127; for business cards, it’s 800-453-9719.

What credit score will I need to be approved for these Chase credit cards?

There is no exact science as to what credit score you’ll need to successfully apply for any Chase credit card because your credit score isn’t the only factor the bank considers. We’ve written about what scores are needed for the Chase Sapphire Preferred, the Chase Freedom Flex/Freedom Unlimited and the Chase Sapphire Reserve cards.

That being said, having a score of at least 700 will give you the best chances of being approved for the top chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

Related: How to check your credit score for absolutely free

How many Chase credit cards can I have at one time?

Chase doesn’t have an official limit on the number of Chase cards one person can have and many TPG staff have had eight or more Chase credit cards at the same time. But Chase does limit the amount of credit it will extend to you. As a general rule of thumb, you can be approved for one personal card and one business card within 90 days, but even that’s not a hard-and-fast rule.

One thing to keep in mind is that there are also different application rules for specific Chase cards. You can only hold one Sapphire card at a time. You can only have a single personal Southwest credit card; however, you can hold both a Southwest business and personal card, which is a great way to earn the Southwest Companion Pass.

And if you open the Ink Cash, you’re still eligible for the Ink Business Unlimited Credit Card and Ink Business Preferred Credit Card.

For more details on Chase’s application rules, read our guide on credit card application restrictions.

How do I cancel a Chase credit card?

If you want to cancel your Chase card, here is what you must do. Speak to a representative on the phone by calling the number on the back of your card or 1-800-432-4117 and let them know you want to cancel your Chase-issued card. Unfortunately, you cannot do this online and you also cannot cancel it until you have paid your balance in full.

It’s important to remember, though, that canceling a credit card can harm your credit score. Your score will be especially be impacted if you have a high limit card because your credit utilization makes up 30% of your credit score. If it’s merely a case of not wanting to continue to pay a high annual fee, your credit card provider may be able to organize a product change for you.

Related: How to cancel a credit card

Bottom line

Everyone has their own thoughts on what makes up the best set of travel rewards credit cards, and you may not want to deal with the hassle of tracking multiple cards to be used in different scenarios.

To really make the most of your everyday purchases, it’s important to evaluate your portfolio of cards and identify the best combination to maximize your earning rates. Some folks prefer swapping in the Chase Sapphire Preferred over the Sapphire Reserve. Still, by carrying the Chase Sapphire ReserveChase Freedom FlexChase Freedom Unlimited and Ink Business Cash Credit Card, I firmly believe that I have the perfect combination of Ultimate Rewards credit cards in my wallet.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Blue Business Plus card, click here.

Additional reporting by Stella Shon and Hayley Coyle. 

Featured photo by The Points Guy.

Benét J. Wilson is the senior credit cards editor for TPG. Known as the Aviation Queen, she's a veteran aviation journalist who has covered airports, security and the airline passenger experience. She now helps you find the best ways to use your credit cards. Her idea of heaven is being the main character in the movie "The Terminal."
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