The 7 Best Chase Credit Cards of 2019

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Chase is one of the most popular credit card issuers with a variety of rewards credit cards for personal and business use. They offer some of the highest sign-up bonuses and on-going rewards. There’s just one caveat — to qualify for a sign-up bonus on Chase credit cards, you must not have received a sign-up bonus from Chase within the past 24 to 48 months, depending on the credit card. In addition, Chase unofficially uses a 5/24 rule, meaning you can only have opened five new credit cards within the past 24 months to qualify for a new Chase credit card. And Chase doesn’t offer any secured credit cards or student credit cards, so you’ll typically need to have good credit to qualify.

With so many different credit card options through Chase, we sorted through the weeds to find which ones are worth applying for, and there's something for everyone. See below to find the best Chase credit cards to sign up for today.

 

01
Best Overall: Chase Sapphire Preferred

The Chase Sapphire Preferred is one of Chase’s most popular rewards credit cards and one of the best travel credit cards on the market. The card pays 60,000 bonus points after you spend $4,000 in the first three months after opening your account. The 60K points are worth $750 if you redeem them through Chase Ultimate Rewards.

Chase Ultimate Rewards is Chase’s online travel booking tool. You can redeem rewards directly through the tool or transfer 1:1 to many other loyalty programs, including The Ritz-Carlton Rewards, IHG Rewards Club, Marriott Rewards, JetBlue TrueBlue, Southwest Airlines Rapid Rewards, and United MileagePlus, to name a few.

Ongoing, you’ll earn two points for every dollar you spend on travel and dining purchases and one point for every dollar you spend on all other purchases. Rewards are worth 25 percent more when you redeem them through Chase Ultimate Rewards.

Important Pricing: The regular APR is 18.24 to 25.24 percent. The annual fee is $95.

02
Best Cash Back Rewards: Chase Freedom

Chase Freedom
Courtesy of Chase

Like the Chase Freedom Unlimited, you can earn a $150 sign-up bonus after spending $500 on purchases in the first three months of opening your account. The difference is in the on-going rewards. Chase Freedom pays five percent cash back on the first $1,500 you spend on bonus categories each quarter. The categories rotate each quarter and you must activate to receive your rewards. All other purchases earn one percent cash back. If you max out the five percent rewards categories each quarter, you can earn $300 cash rewards each year.

The Chase Freedom Unlimited also offers a zero percent APR on purchases and balance transfers for the first 15 months after opening your account.

Important Pricing: The regular APR after the promotional period is 17.24 to 25.99 percent. There’s no annual fee.

03
Best Flat Rate Rewards: Chase Freedom Unlimited

Earn 3% cash back on all purchases in your first year on up to $20,000 spent. Ongoing, you’ll earn unlimited 1.5% cash back on all your purchases. Rewards are credited to you automatically; you don’t have to enroll or signup to earn your rewards. There’s no minimum redemption amount and your rewards won’t expire as long as you keep your account in good standing.

If you’re looking for a card to transfer a balance, you can enjoy zero percent APR on purchases and balance transfers for the first 15 months after opening your account.

Important Pricing: The regular APR after the promotional period is 17.24 to 25.99 percent. There’s no annual fee.

04
Best Premium Travel: Chase Sapphire Reserve

Courtesy of Chase

Are you a big traveler? Earn 50,000 bonus points after you spend $4,000 on purchases in the first three months of opening your account. The 50K rewards are worth $750 when you redeem through Chas Ultimate Rewards Rewards. You’re only eligible for the bonus if you haven’t received a bonus for a Sapphire card within the past 24 months.

In addition to the sign-up bonus, you’ll receive a $300 annual travel credit as an automatic reimbursement for any travel purchases you’ve charged to your card.

Ongoing, you’ll earn more points than any other Chase credit card: Three points for every dollar spent on travel and dining; and one point per dollar on all other purchases. You won’t start earning rewards on travel purchases until you’ve spent $300 to account for the travel statement credit. Your rewards are worth 50 percent more when you redeem through Chase Ultimate Rewards. (Other Chase credit card redemptions are worth only 25 percent more when redeemed through Chase Ultimate Rewards.)

Important Pricing: The APR is 19.24 to 26.24 percent. There’s a $450 annual fee plus $75 for each additional authorized user you add to your account.

05
Best Overall Airline: Southwest Rapid Rewards Priority

Southwest Rapid Rewards Priority
Courtesy of Chase

Southwest Rapid Rewards is a co-branded airline reward credit card that’s issued by Chase. New cardholders can earn 40,000 points after spending $1,000 on purchases in the first three months of opening your account. You’ll also receive 7,500 anniversary points each year after your anniversary and a $75 Southwest annual travel credit.

Ongoing, you’ll earn two points for every dollar you spend on Southwest purchases; one point for every dollar you spend on all other purchases and receive four upgraded boardings each year based on availability.

Important Pricing: The regular APR for purchases and balance transfers is 18.24 to 25.24 percent. The $149 annual fee is applied to your first billing statement.

06
Best Cash Back for Business: Chase Ink Business Unlimited

Chase Ink Business Unlimited
Courtesy of Chase

The Chase Ink Business Unlimited is a great credit card for small businesses with broad spending categories. If you tend to spread your spending out, flat rate rewards allow you to maximize your rewards and don't force you to spend more in areas that you don’t ordinarily spend in.

As a new cardholder, your business can earn a $500 cash back bonus by spending $3,000 on purchases in the first three months after opening your account.

Ongoing, you’ll earn an unlimited 1.5 percent cash back rewards on all purchases you make for your business. Enjoy 0% introductory APR for 12 months on purchases.

Important Pricing: The regular APR after the promotional period ends is 15.49 to 21.49 percent. There’s no annual fee.

07
Best for Business Travel: Chase Ink Business Preferred

Chase Ink Business Preferred
Courtesy of Chase

New cardholders can earn 80,000 bonus points after spending $5,000 on purchases in the first three months after opening an account. Use Chase Ultimate Rewards to redeem your bonus points and they’re worth up to $1,000.

You’ll earn three points for every dollar you spend on the first $150,000 you spend in designated business categories. These include travel, Internet, cable and phone, shipping, and social media/search engine advertising. That’s an opportunity to earn 450,000 in bonus points. Since rewards are worth 25 percent more when you redeem them through Chase Ultimate Rewards, 450K bonus points would be worth $5,625. Purchases outside the designated business categories will earn one point per dollar.

Important Pricing: The regular APR is 18.24 to 23.24 percent. The annual fee is $95.