The Best Chase Credit Cards 2024

The Chase Freedom Unlimited® card frequently makes the top of our lists for solid everyday rewards cards. With 1.5% back on most purchases, plus 3% on dining and drugstores and 5% on travel through Chase Ultimate Rewards, you can rack up points quickly with this spending stalwart.

Pros

• Unlimited 1.5% cash back on most purchases
• No annual fee
• Generous welcome bonus

Cons

• Welcome bonus takes some work and a full year to earn
• Foreign transaction and balance transfer fees
• Companion card needed to transfer rewards to travel partners

• Earn up to $300 in the first year with an extra 1.5% cash back on the first $20,000 in purchases (no minimum spend required)
• After bonus period, earn 5% on travel booked through Chase Ultimate Rewards, 3% on drugstores and restaurants, and unlimited 1.5% back on all other purchases
• 0% intro APR on purchase and balance transfers for the first 15 months
• No annual fee

The Chase Freedom Flex℠ card is one of the best options for savvy spenders who want to maximize their rewards. Activate rotating categories and book travel through Chase Ultimate Rewards, and you’ll earn a hefty rewards return with this card.

Pros

• Activate 5% rewards on up to $1,500 in combined purchases in rotating quarterly categories
• 5% travel rewards rate through Chase Ultimate Rewards rivals premium travel cards
• No annual fee

Cons

• Maximum travel rewards rate only through Chase Ultimate Rewards
• Low everyday rewards earnings
• Must track and activate bonus categories

• $200 cash bonus when you spend $500 in the first three months
• 5% cash-back categories require activation
• 3% back on dining and drugstores, 1% on all other purchases
• 0% APR on balance transfers and purchases for the first 15 months (balance transfer fee applies)

For frequent travelers, it’s tough to beat the premium perks of the Chase Sapphire Reserve® card. Especially with the option to boost point value by 50% through Chase Ultimate Rewards, this card will take you farther than most.

Pros

• Boost point value by 50% when you redeem through Chase Ultimate Rewards
• Earn $300 in bonus rewards every year for travel purchases
• Up to 10X points for booking certain travel through Chase Ultimate Rewards

Cons

• High annual fee
• High variable purchase APR
• Excellent credit recommended

• 60,000 bonus points when you spend $4,000 in the first three months
• $300 annual credit when you spend at least that much on travel every year
• 5X points on flights, 10X points on hotels and rental cars booked through Chase Ultimate Rewards immediately after you spend your first $300 in travel annually
• 3X points on other travel and dining, 1X points on all other purchases
• Transfer points at one-to-one value to numerous airline and hotel loyalty programs
• Includes Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption Insurance, Lost Luggage Insurance and more
• Access to over 1,300 airport lounges and up to $100 credit for NEXUS, Global Entry or TSA PreCheck® application every four years

The Chase Freedom® Student Credit Card offers a great opportunity for students to build their credit and practice good borrowing habits while earning modest cash-back rewards. The $20 annual bonus for keeping your account in good standing is a nice incentive to stay on track.

Pros

• Earn $50 welcome bonus with just one purchase in the first three months
• Earn $20 every year for the first five years when you remain in good standing
• May be eligible to increase your credit limit after five months of on-time payments

Cons

• No bonus rewards categories
• No intro 0% APR period
• Low rewards rate

• 1% cash back on all purchases
• Free credit score
• No annual fee

The Chase Sapphire Preferred® card may not have as many perks as its Reserve cousin, but it’s a great travel card to have in your wallet. With less stringent credit requirements and a much lower annual fee, many spenders will find this card’s rewards rate just fine for their travel needs.

Pros

• High rewards rate for travel and dining
• 25% point value boost when you redeem through Chase Ultimate Rewards
• Generous welcome bonus

Cons

• Annual fee
• No intro 0% APR period
• Only earn the best travel rewards rates through Chase Ultimate Rewards

• 60,000 bonus points when you spend $4,000 in the first three months
• 5X points on travel booked through Chase Ultimate Rewards, 3X on dining, 2X on all other travel
• $50 annual Ultimate Rewards hotel credit
• Get 25% more for your points when you redeem through Chase Ultimate Rewards
• Includes Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption Insurance, Lost Luggage Insurance and more
• Complimentary DashPass when activated by Dec. 31, 2024

If you’re already an Amazon Prime member (or considering it), Chase’s Amazon Prime Rewards Visa Signature Card may be a solid addition to your wallet. There’s no annual fee for Prime members, and you can earn top rewards and redeem them directly through the online retail giant.

Pros

• 5% rewards at Amazon and Whole Foods Market
• Get Amazon gift card upon approval, no spending required
• Use rewards to pay for purchases directly on Amazon

Cons

• 5% back doesn’t apply to Amazon sites outside the U.S.
• Low rewards rate outside Amazon
• Prime membership required for best value

• In addition to above rewards, earn 2% back for spending at gas stations, restaurants and drugstores, plus 1% back on all other purchases
• No minimum balance required to redeem rewards
• Complimentary Visa Signature Concierge service
• No foreign transaction fees

Not every borrower is looking for a rewards card. If debt consolidation or a major purchase is your primary goal, the Chase Slate Edge℠ is worth a look. Its generous 18-month, 0% intro APR will give you plenty of time to pay down those big purchases or balance transfers.

Pros

• 18-month 0% intro APR
• No annual fee
• Earn an automatic, one-time review for a credit limit increase

Cons

• No rewards or welcome bonus
• High balance transfer fee
• Foreign transaction fees

• Get an automatic, one-time credit review for a limit increase when you spend $500 in your first six months and pay on time
• You may be eligible to lower your interest rate 2% each year if you pay on time and spend at least $1,000 annually

Regular United Travelers with strong credit should take a close look at the United Club℠ Infinite Card. With the built-in United Club membership and 4X points rate on United purchases, this card can help you make the most of your travels.

Pros

• United Club membership is more than enough to offset the annual fee
• Generous welcome bonus
• Maximize rewards on United travel

Cons

• Very high annual fee only worth it if you maximize benefits
• No intro APR
• High regular APR

• 80,000 bonus miles plus 1,000 Premier qualifying points (PQP) when you spend $5,000 in the first three months
• 4X miles on United purchases including tickets and various in-flight expenses
• 2X miles on all other travel, dining and eligible delivery services
• 1X miles on all other purchases
• 500 PQP for every $12,000 you spend each year, up to 8,000 PQP total
• Up to $100 toward TSA PreCheck®, Global Entry or NEXUS fees
• Two free checked bags when you book with your card