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Best Chase Credit Cards

March 2024

JPMorgan Chase, which does business as Chase Bank, is one of the oldest financial institutions in the United States. Chase's line of credit cards are well known for the their great rewards programs that often include generous sign-up bonuses.
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Chase offers some of the best credit cards on the market. They're especially strong in the area of travel rewards and have some of the best cobranded airline and hotel cards. The best Chase card for you will depend on your lifestyle and spending habits. To help narrow down your choice, here is a list of the the top Chase credit cards currently available.
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FAQs on Chase Credit Cards

Which is the best Chase credit card?

The best Chase credit card for you will depend on your lifestyle and how much you spend. For example, if you're looking for a Chase credit card with a solid rewards rate, a long 0% intro APR period, and no annual fee, you should consider Chase's Freedom Unlimited. However, if you're a frequent traveler, the Chase Sapphire Preferred Card is probably the best Chase card for you. It offers a generous sign-up bonus, generous rewards on travel purchases, and additional benefits that can save you money every time you travel.

Which is the most recommended Chase credit card?

Finding the most recommended Chase credit card is a moving target. Check the list of best Chase credit cards above for the latest consumer ratings for our top choices.

How can you maximize your Chase Ultimate Rewards credit cards?

The Chase Ultimate Rewards program is one of the most popular travel rewards programs on the market among credit card churners — and for good reason. It offers multiple ways to earn points, and is probably the best for booking award flights. Although you can redeem your Ultimate Rewards for merchant gift cards or a statement credit, travel purchases are, by far, the best way to use your hard-earned points.
Before you can earn Ultimate Rewards, you must have an affiliated Chase credit card. Once you are approved for a Chase card that earns Ultimate Rewards, you are automatically enrolled in the program. The rewards rate on your purchases will depend on which card you use and whether they fall under a bonus category. Each Ultimate Rewards card has bonus categories that allow you to earn between 2X and 5X points per dollar spent. Maximize your Ultimate Rewards by having multiple Chase credit cards and using the card that offers the highest rewards rate for each purchase.

What kind of credit score do you need for a Chase credit card?

Chase's cards are usually intended for consumers with good to excellent credit scores, and we recommend you have a FICO® Score of at least 670 or higher when you apply. If you find that you have a lower credit score than is accepted by Chase, look into credit cards for people with bad credit.

Can I switch Chase credit cards?

Chase requires that cardholders requesting a product change stay within the same card family. For example, you can upgrade or downgrade an Ultimate Rewards card to another Ultimate Rewards card, but you cannot switch to a card that earns airline or hotel points. Of course, you can always apply for a new card outside your current card family.

How long does it take to get approved for a Chase credit card?

Many credit card approvals can happen immediately. If you don't get immediate approval, you will most likely get a decision in 7-10 business days. However, sometimes it can take up to 30 days.

What is the 5/24 Chase rule?

Credit card churners beware. Chase will typically not approve your credit card application if you have already opened five or more personal credit cards across all banks in the last 24 months. This is called the Chase 5/24 rule. There is no official memo from Chase that specifically talks about the 24/5 rule, but it's widely accepted as fact among rewards collectors.
Notice that the number of cards opened in the last 24 months is a rolling count. For example, if you opened your fifth credit card 23 months ago, you can apply again next month. There's good news for the self-employed and small business owners. Small business credit cards do not count towards your five cards. Unfortunately, the 5/24 rule also takes into consideration credit cards where you are an authorized user of another card, such as your spouse's card. Of course, having less than five card applications in the last two years will not guarantee an approval. You could still be declined for another reason.

Is there anything I can do if Chase denies my application?

Yes, there is. If Chase denies your application, you can call Chase, ask to speak to a specialist, and request a reconsideration. If you haven't opened five personal credit card accounts in the last 24 months, you may get the denial reversed. In some cases, Chase will allow you to move credit from existing accounts to a new account. For example, if you have $20,000 in credit in a single card, you may be able to move $10,000 to the new account so your application can be approved.

Find the best credit cards for you

Did you find a Chase card that seems to fit your lifestyle and budget needs? If you did, congratulations. However, if you're still on the fence about which card is best for you, check our list of best personal credit cards.

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SuperMoney is the most comprehensive financial services comparison site around. We have published hundreds of personal finance articles and provide detailed reviews on thousands of financial products and services. Our unbiased advice and free comparison tools help consumers make smart financial decisions based on hard data, not marketing gimmicks.

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