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#1 for everyday cash back
Chase Freedom Unlimited®

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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 travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores
1.5
Earn unlimited 1.5% cash back on all other purchases.

At A Glance

Intro Bonus
$200

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee
$0
Regular APR
14.99% - 23.74% variable
#1 for Flexible Cash Back
Chase Freedom Flex℠

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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 travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores.
1%
Earn 1% on all other purchases.

At A Glance

Intro Bonus
$200

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee
$0
Regular APR
14.99% - 23.74% variable
#1 for travel
Southwest Rapid Rewards® Priority Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
2X
Earn 2 points per $1 spent on all other Southwest® purchases.
1X
1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 80,000 points

Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.

Annual Fee
$149
Regular APR
15.99% - 22.99% variable

More Cards from Chase

Southwest Rapid Rewards® Plus Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
2X
Earn 2 points per $1 spent on all other Southwest® purchases.
1X
1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 80,000 points

Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.

Annual Fee
$69
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Premier Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
2X
Earn 2 points per $1 spent on all other Southwest® purchases.
1X
1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 80,000 points

Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.

Annual Fee
$99
Regular APR
15.99% - 22.99% variable
United℠ Explorer Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 miles per $1 spent at restaurants and on hotel stays
2X
Earn 2 miles per $1 spent on purchases from United
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
1X
1 mile per $1 spent on all other purchases

At A Glance

Intro Bonus
Up to 70,000 miles

60k bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10k bonus miles after you spend $6,000 in the first 6 months.

Annual Fee
$95, waived first year
Regular APR
16.49% - 23.49% variable
Marriott Bonvoy Bold™ Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3X
Earn 3X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
2X
2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X
1X point for every $1 spent on all other purchases.

At A Glance

Intro Bonus
30,000 Points

Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

Annual Fee
$0
Regular APR
15.99% - 22.99% variable
Chase Sapphire Reserve®

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Rewards Rate

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.
3X
Earn 3X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services
1X
1 point per $1 spent on all other purchases

At A Glance

Intro Bonus
50,000 points

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee
$550
Regular APR
16.99% - 23.99% variable
Ink Business Unlimited® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase made for your business

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable
Ink Business Preferred® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
100,000 points

New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Annual Fee
$95
Regular APR
15.99% - 20.99% variable

More travel cards from Chase

British Airways Visa Signature® Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3X
3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level.
2X
2 Avios per $1 spent on hotel accommodations.
1X
1 Avios per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 100,000 Avios

Earn up to 100,000 Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

Annual Fee
$95
Regular APR
15.99% - 22.99% variable
United℠ Explorer Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 miles per $1 spent at restaurants and on hotel stays
2X
Earn 2 miles per $1 spent on purchases from United
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
1X
1 mile per $1 spent on all other purchases

At A Glance

Intro Bonus
Up to 70,000 miles

60k bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10k bonus miles after you spend $6,000 in the first 6 months.

Annual Fee
$95, waived first year
Regular APR
16.49% - 23.49% variable
Southwest Rapid Rewards® Plus Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
2X
Earn 2 points per $1 spent on all other Southwest® purchases.
1X
1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 80,000 points

Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.

Annual Fee
$69
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Premier Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
2X
Earn 2 points per $1 spent on all other Southwest® purchases.
1X
1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 80,000 points

Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.

Annual Fee
$99
Regular APR
15.99% - 22.99% variable
The World Of Hyatt Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

9X
Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
2X
Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

At A Glance

Intro Bonus
Up to 50,000 points

25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening

Annual Fee
$95
Regular APR
15.99% - 22.99% variable
IHG® Rewards Club Premier Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

25X
Earn up to 25 points total per $1 spent when you stay at an IHG hotel.
2X
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
1X
Earn 1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
140,000 points

Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening

Annual Fee
$89, waived first year
Regular APR
15.99% - 22.99% variable
Southwest Rapid Rewards® Priority Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
2X
Earn 2 points per $1 spent on all other Southwest® purchases.
1X
1 point per $1 spent on all other purchases.

At A Glance

Intro Bonus
Up to 80,000 points

Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.

Annual Fee
$149
Regular APR
15.99% - 22.99% variable

More cash back cards from Chase

Ink Business Unlimited® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase made for your business

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable
Ink Business Cash® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable

More business cards from Chase

Ink Business Preferred® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
100,000 points

New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Annual Fee
$95
Regular APR
15.99% - 20.99% variable
Ink Business Cash® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable

Editorial disclosure: All reviews are prepared by hfyhpf120.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

All information about Chase Sapphire Preferred® Card has been collected independently by hfyhpf120.com and has not been reviewed by the issuer.


Comparing Credit Card Offers from Chase

Updated: December 28, 2020
If you want a credit card with superior rewards, excellent cash back or a generous sign-up bonus, Chase offers that and more. While part of a full-service national bank, the company also issues about two dozen cards with a host of features and benefits. Here, we look at:

  • Chase counts travel as such purchases from airlines, hotels, rental car agencies, timeshares, campgrounds, parking lots and garages, toll bridges and highways, taxis, and trains. Dining is considered everything from fast dining to fine dining, but it may not include such merchants as casinos or stadiums. If your Chase card offers rewards for dining, it’s the perfect time to support the local restaurants offering curbside or delivery in your area while also racking in those benefits.

    What airlines can I use with my Chase Ultimate Rewards?

    • Aer Lingus
    • Air France/KLM
    • British Airways
    • Iberia Plus
    • Korean Air
    • Singapore Airlines
    • Southwest Airlines
    • United Airlines
    • Virgin Atlantic

    What hotel partners can I use with my Chase Ultimate Rewards?

    • IHG
    • Hyatt
    • Marriott
    • Ritz-Carlton

    Additional Chase benefits outside of cash back/rewards

    Chase credit cards offer a variety of benefits in addition to the rewards you earn. For example, the Chase Sapphire Preferred offers primary coverage when you use it for car rentals, providing reimbursement for damage due to collision or theft. The benefits vary from card to card and include the following:

    • Chase Pay
    • Access to airport lounges
    • No foreign transaction fees
    • Visa Infinite concierge
    • Car rental privileges
    • Global Entry or TSA Pre-Check fee credit
    • Annual credit
    • No annual fee or waived fee first year
    • Extended warranty
    • Fraud protection
    • Purchase protection
    • Return protection
    • Trip cancellation/interruption insurance
    • Primary auto rental collision damage waiver
    • Lost luggage reimbursement
    • Trip delay reimbursement
    • Emergency evacuation and transportation

    Frequently asked questions

    What is the best Chase credit card?

    As it is with all credit cards, the best card will depend on how it fits the consumer. That being said, the best overall card Chase offers for the average consumer is the Chase Sapphire Preferred. A great option for most, it brings well-rounded rewards, low cost of cardholding and a lucrative sign-up bonus anyone could appreciate.

    If your definition of “best” means the one that can bring the most value, however, then the top Chase card is the Chase Sapphire Reserve. The $550 annual fee isn’t for everyone, but calculated cardholders can enjoy its earning power, a generous rewards system and a long list of luxury perks.

    Is it hard to get a Chase credit card?

    If you’re still working on establishing your credit score, it could be. Chase cards typically require good to excellent credit scores to be approved, so it’s recommended you have a score around 670 or better before applying. It’s not all about credit score, however; Chase will also take a look at any recent credit accounts you’ve opened and your annual income before giving a yes/no.

    While Chase doesn’t offer @creditcards_lm.