Best Chase Credit Cards For Travels, Businesses and Cashbacks

Chase Credit Cards from Chase Bank is one of the most common issuers of cards and offers a variety of credit card cashback, travel, and other rewards. Nonetheless, due to its emphasis on luxury travel rewards cards and easy travel redemption, many people familiar with Chase credit cards know the company. 

Chase tickets, however, are not limited to travelers alone. In fact, they are becoming increasingly popular among all card users because of the generous program of Chase Ultimate Rewards that can be redeemed with Amazon or Apple not only for travel but also for cash back, gift cards, and purchases.

With so many Chase cards on offer, it may be overwhelming to figure out which Chase credit card is best for you–but we can help.

We have described the best Chase credit cards based on rewards, cardholder advantages, and potential downsides for cash back, travel, and trade.

Here are our options of 2019’s best Chase credit card offers:

• Best Chase Travel Credit Cards
• The Best Chase Cards for Cash Back
• Best Chase Cards for Businesses

Best Chase Travel Credit Cards

Here are a few of the best Chase credit card offers for travelers.

• Chase Sapphire Reserve
• Chase Sapphire Preferred

1. Chase Sapphire Reserve

• Annual Fee: $450
• APR: 18.74% – 25.74% variable APR
• Benefits: Earn 3x points on travel (after using the full travel credit) and dining
• Category: Rewards Credit Card

Highlights

• Sign-Up Bonus: New members will earn 50,000 bonus points after spending $4,000 in the first 3 months
• Rewards Rate: Earn 3x the points on travel purchases, 3x the points at restaurants, and 1 point for every dollar spent on all other purchases
• APR: No introductory APR, 18.74% to 25.74% variable APR on purchases
• Balance Transfer Fee: $5 or 5%, whichever is greater
• Annual Fee: $450
• Recommended Credit Score: Excellent

Benefits

• Due to its high sign-up bonus and impressive travel rewards for card members, the Chase Sapphire Reserve credit card is one of the best Chase credit cards available. Within the first 3 months, card members who spend at least $4,000 can earn 50,000 bonus points. Each year, card members also receive a $300 travel credit that can be used for purchases related to travel.
• This Chase credit card also offers 3 times the points for all travel-related purchases and worldwide dining. For every dollar spent on all other purchases, card members also earn 1 point. This makes it one of the Chase’s most generous rewards cards.
• The biggest advantage is that cardmembers get 50% more purchasing power when they redeem points through the Ultimate Rewards Program. For people who spend enough to cover the yearly fee, this card can generate a good amount of points that can be used for travel, cashback, or a combination of both.

Downsides

• One of this Chase credit card’s biggest downsides is the annual fee. The Chase Sapphire Reserve credit card, which arrives at a modest $450 each year, is not for those short on cash. Every year, card members must spend enough on the Chase credit card to overcome that fee.
• In addition, for each authorized user added to the account, this card has an additional fee of $75. These other charges can add up, although there are no foreign transaction fees. There is also no access to 0 percent introductory APRs for balance transfers or transactions by Chase Sapphire Reserve credit card holders, even as a new card holder.

2. Chase Sapphire Preferred

• Annual Fee: $95
• APR: 17.74% – 24.74% variable APR
• Benefits: Earn 2x points on travel and dining
• Category: Rewards Credit Card

Highlights 

• Sign-Up Bonus: New members can earn 60,000 bonus points after spending $4,000 in the first 3 months
• Rewards Rate: Earn 2 points on travel and dining purchases and 1 point for all the dollars spent on all other purchases
• APR: 17.74% to 24.74% variable APR on buys and balance transfers
• Balance Transfer Fee: $5 or 5%, whichever is greater
• Annual Fee: $95
• Recommended Credit Score: Excellent

Benefits

• One travel-focused credit card which provides many advantages to card holders is the Chase Sapphire Preferred credit card. First, for new card members who make at least $4,000 in purchases within the first 3 months, a 60,000 point signup bonus is available.
• This Chase credit card is also ranked among the best due to its unlimited potential for rewards for all purchases. Card members earn 2 travel and dining points as well as 1 point for all other expenses. The Chase Sapphire Preferred credit card also provides a one-to – one point transfer for other travel loyalty programs, and no foreign transaction fees are charged by the card.

Downsides

• There are a few bad sides to the Chase Sapphire Preferred credit card, including the $95 yearly fee. However, cardmembers can easily offset this fee by spending enough to generate rewards all year long.
• Cardmembers also don’t have access to a promotional balance transfer or intro APR on purchases, making this card a less good choice for those who plan to pay off a balance over time. Chase credit card has a lower rewards rate than the Chase Sapphire Reserve.

Best Chase Cards for Cash Back

Some of the best Chase credit cards do not involve travel-specific rewards. Rather, the credit card issuer also provides options for those who want a simple cash back rewards credit card. Here are the best Chase credit cards for this purpose.

1. Chase Freedom Card
2. Chase Freedom Unlimited Card

1. Chase Freedom Card

• Annual Fee: $0
• APR: 0% for first 15 months on purchases & balance transfers; 16.99% – 25.74% variable APR after that
• Benefits: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories and unlimited 1% cash back on everyday purchases
• Category: Rewards Credit Card

Highlights 

• Sign-Up Bonus: New cardmembers can get a $150 cash back bonus after spending $500 in the first 3 months
• Rewards Rate: Earn 5% cashback on up to $1,500 in combined purchases in bonus categories and 1% cashback on every other purchases
• APR: 0% APR for 15 months on purchases and balance transfers, a variable APR of 16.99% to 25.74% after the promotional period stops
• Balance Transfer Fee: $5 or 3%, whichever is greater
• Annual Fee: $0
• Recommended Credit Score: Fair – Good

Benefits

The credit card of Chase Freedom is a simple cash-back credit card offering additional incentives in bonus categories. Card members can earn up to $1,500 in combined purchases on specific types of spending each quarter.

No limits, all other transactions receive 1 percent cash back. For card members who spend strategically in bonus categories every quarter, this rewards program can be beneficial.

The Chase credit card also provides flexibility in bonus redemption, as there is no minimum repayment cash required. The card also offers contactless payment, and no annual fee is charged.

Downsides

Chase Freedom card’s biggest downside is the restrictions placed on bonus rewards. The categories change every quarter, and card members have to activate their 5% cash back categories to earn the extra points for that timeframe.

The $1,500 spending limit on bonus categories per quarter can also mean reduced potential rewards, particularly compared to flat-rate credit card rewards. Although the card does not have an annual fee, the limits on cash back rewards mean that the card gives less value to large spenders.

2. Chase Freedom Unlimited Card

• Annual Fee: $0
• APR: 0% for first 15 months on buys & balance transfers; 14.74% – 25.74% variable APR thereafter
• Benefits: Earn 1.5% cash back on your everyday purchases
• Category: Rewards Credit Card

Highlights 

• Sign-Up Bonus: Earn 3% cash back on purchases up to $20,000 in your first year
• Rewards Rate: Earn 3% cash back on up to $20,000 in purchases in the first year and earn 1.5% cash back on all other purchases
• APR: 0% APR on purchases and balance transfers for 15 months; variable APR of 14.74% to 25.74% afterward
• Balance Transfer Fee: $5 or 5%, whichever is greater
• Annual Fee: $0
• Recommended Credit Score: Good to excellent

Benefits

The Chase Freedom Unlimited credit card is another cash back card from Chase, but this one offers 1.5% cash back on all purchases. New cardmembers also get a bonus of 3% cash back on all spending in the first year, up to $20,000 in purchases.

This Chase credit card also does not put a time-limit on redeeming cash back rewards and points do not expire. Cardmembers also pay no annual fee, and they have access to contactless payment with the card. Also, there are no categories to manage each to maximize cash back back rewards.

Downsides

The Chase Freedom Unlimited credit card gives a sign-up bonus of sorts, but it is not as good as other sign-up bonuses because it demands cardmembers to spend $20,000.

That is a lot of spending for a marginal cash back reward. Moreover, the 1.5% cash back reward on all other spending is lower than some other cash back credit cards, offering less value for those who plan to do a lot of spending.

Best Chase Cards for Businesses

Amongst travel rewards credit cards and cash back card options, Chase credit cards are also available to business owners.

Chase business credit cards could provide qualified business owners with the power to generate travel or cash back rewards from everyday business spending. Here are few options for the best Chase credit cards for business.

• Chase Ink Business Cash Card
• Chase Ink Business Preferred Credit Card

1. Chase Ink Business Cash Card

• Annual Fee: $0
• APR: 0% intro for 12 months on purchases; 15.49% – 21.49% variable APR thereafter
• Benefits: Earn cash back on everyday buys
• Category: Business Credit Card

Highlights

• Sign-Up Bonus: New members can get $500 bonus cash back after spending $3,000 in the first 3 months
• Rewards Rate: Earn 5% cash back on the first $25,000 spent at office supply stores or on Internet, cable and phone services each year; 2% cash back up to $25,000 in combined purchases at gas stations and restaurants each year; and 1% cash back on all other purchases
• APR: 0% purchase APR for 12 months after account opening; variable APR of 15.49% to 21.49% after that
• Balance Transfer Fee: $5 or 5%, whichever is greater
• Annual Fee: $0
• Recommended Credit Score: Good to excellent

Benefits

To small business owners who invest in certain categories, the Chase Ink Cash Business credit card is a great option. Each year, the credit card provides 5% cash back on up to $25,000 in combined purchases at office supply stores and providers of Internet, cable and telephone services.

Card members also earn 2% cash back on up to $25,000 in gas stations and restaurants spending each year as well as 1% on all other purchases. Cash back bonuses will add up for those who spend significantly in the specific categories.

New cardmembers receives also a sign-up bonus of $500 after spending $3,000 in the first 3 months after creating an account.

Cash back rewards are simple to redeem for gift cards, cash back, or Ultimate Rewards options through Chase. There is also no yearly fee, making this a cost-efficient card for every small business.

Downsides

Although this Chase credit card does not have an annual fee, small business owners are limited to earning only in certain categories the higher cash back rate.

And, both 2 percent and 5 percent cash back are only available on up to $25,000 in spending in one year, so business owners who spend on those amounts might want to look for a flat-rate cash-back card. There is also no option for new card members to transfer the balance.

2. Chase Ink Business Preferred Credit Card

• Annual Fee: $95
• APR: 17.74% – 22.74% variable APR
• Benefits: Earn 3 times points on the first $150,000 spent when you spend in select categories
• Category: Business Credit Card

Highlights

• Sign-Up Bonus: New members receive 80,000 bonus points after spending $5,000 in the first 3 months
• Rewards Rate: Earn 3 points on the first $150,000 in combined purchases on travel, shipping, Internet, cable, and phone service providers, and web-based advertising. Earn 1 point per dollar spent on every other purchases
• APR: No introductory APR on purchases or balance transfers, 17.74% to 22.74% variable APR
• Balance Transfer Fee: $5 or 5%, whichever is greater
• Annual Fee: $95
• Recommended Credit Score: Excellent

Benefits

The Chase Ink Preferred Business credit card is one of the best Chase credit cards for business owners because of the great sign-up bonus being offered to new cardmembers. This bonus of 80,000 is available after spending at least $5,000 in the first 3 months.

Cardmembers with this Chase credit card also earn extra rewards when spending in some categories, up to the yearly spending limit of $150,000. This can be great for business owners who spend much on shipping, travel, service providers, and social media or web-based advertising.

Downsides

Although there are several benefits to the Chase Ink Preferred Business Card, small business owners need to spend a substantial amount to earn the initial sign-up bonus. In addition, when redeemed for Ultimate Rewards Program benefits, the bonus is the most beneficial, not cash back.

Card holders must pay an annual fee of $95, and APRs for promotional purchases or balance transfers are not eligible.

Small business owners may also find the categories of purchases too limiting for higher cash back rates, ultimately making another, more versatile card the best credit card.

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