Chase Bank Review 2024 (2024)

Table of Contents
Chase Overall Rating Chase Pros and Cons Chase Banking Review Chase Savings℠ Chase Premier Savings℠ Account Chase Total Checking® Chase Secure Banking℠ Chase Premier Plus Checking℠ Chase Sapphire℠ Banking Chase Private Client Checking℠ Chase CD Chase First Banking℠ Account Chase High School Checking Chase College Checking℠ Chase Personal Credit Cards Review Chase Freedom Unlimited® Chase Freedom Flex℠ Chase Freedom® Student credit card Chase Slate Edge℠ Chase Sapphire Preferred® Card Chase Sapphire Reserve® Prime Visa Amazon Visa Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Priority Credit Card Southwest Rapid Rewards® Premier Credit Card United℠ Explorer Card United Quest℠ Card United Gateway℠ Card United Club℠ Infinite Card Aeroplan® Credit Card Marriott Bonvoy Boundless® Credit Card Marriott Bonvoy Bountiful™ Card Marriott Bonvoy Bold® Credit Card IHG One Rewards Premier Credit Card IHG One Rewards Traveler Credit Card The World Of Hyatt Credit Card British Airways Visa Signature® Card Aer Lingus Visa Signature® Card Iberia Visa Signature® Card DoorDash Rewards Mastercard® Instacart Mastercard® Chase Business Credit Cards Review Ink Business Premier® Credit Card Ink Business Unlimited® Credit Card Ink Business Cash® Credit Card Ink Business Preferred® Credit Card Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Premier Business Credit Card United℠ Business Card United Club℠ Business Card IHG One Rewards Premier Business Credit Card World of Hyatt Business Credit Card Chase Mortgages Review About Chase Chase Bank FAQs Methodology: How We Reviewed Chase Bank How Chase Bank Compares

Personal Finance Banking Savings

Written by Sophia Acevedo, CEPF; edited by Laura Grace Tarpley; reviewed by Evelyn He

2024-03-15T15:34:14Z

  • Overall Rating
  • Pros and Cons
  • Banking
  • Personal Credit Cards
  • Business Credit Cards
  • Mortgages
  • About Chase
  • FAQs
  • Methodology
  • How Chase Compares
Chase Bank Review 2024 (1) Chase Bank Review 2024 (2)

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠, Chase Freedom® Student credit card, Amazon Visa, Southwest Rapid Rewards® Premier Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bountiful™ Card, Marriott Bonvoy Bold® Credit Card, Ink Business Premier® Credit Card, United Club℠ Business Card. The details for these products have not been reviewed or provided by the issuer.

Chase Overall Rating

FeaturePersonal Finance Insider rating (out of 5)
Banking3 to 4
Personal credit cards2.75 to 4.4
Business credit cards3.75 to 4.55
Mortgages4.5
Trustworthiness4
Total4

Chase Pros and Cons

ProsCons
  • Access to 4,700 branches and 15,000 free ATMs throughout the US

  • Variety of bank accounts, including special options for kids

  • Checking account bonuses featured in our best bank account bonuses guide

  • Variety of rewards credit cards

  • Chase DreaMaker mortgage helps lower-income borrowers

  • Low interest rates on savings accounts
  • No money market account
  • Does not offer auto refinancing
  • Does not offer USDA loans, home equity loans, reverse mortgages, or construction loans

Chase Banking Review

Chase Savings℠

Chase Savings℠

Start saving

Chase Bank, Member FDIC

Insider’s Rating

3.25/5

Fees

$5 monthly service fee

Annual Percentage Yield (APY)

Interest rates are variable and subject to change

0.01%

Minimum Opening Deposit

$0

Pros

  • No minimum opening deposit
  • Relatively easy to waive $5 monthly fee
  • Link to a Chase checking account for free overdraft protection

Cons

  • Low APY
  • Interest compounded monthly, not daily
  • $5 monthly service fee

Product Details

  • Access to 15,000 Chase ATMs and over 4,700 branches
  • Link this account to your Chase checking account for Overdraft Protection
  • Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
  • Manage your accounts, deposit checks, transfer money and more — all from your device
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
  • Member FDIC

See Personal Finance Insider's Chase Savings Review.

Chase Premier Savings℠ Account

Chase Premier Savings℠ Account

Start saving

Chase Bank, Member FDIC

Insider’s Rating

3/5

Fees

$25 monthly service fee

Annual Percentage Yield (APY)

0.01% to 0.02%

Minimum Opening Deposit

$25

Pros

  • Earn slightly better APY with relationship rates
  • Link to a Chase checking account for free overdraft protection

Cons

  • Low APY
  • $25 monthly fee

Product Details

  • Access to 15,000 ATMs and over 4,700 branches
  • Earn a standard rate on 0.01% APY; Earn a relationship rate of 0.02% APY when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account AND make 5 monthly transactions from your linked checking account
  • Waive $25 monthly maintenance fee when you maintain a $15,000 daily balance, OR when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account
  • Chase Mobile®app: Manage your accounts, deposit checks, transfer money and more — all from your device
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visitlocator.chase.com

See Personal Finance Insider's Chase Premier Savings Review.

Chase has a traditional savings account and a premium savings account. The main downside to both accounts is that they pay low savings rates.

According to the FDIC, the average savings account in the U.S. has an interest rate of 0.40% APY. If you are looking to earn a more competitive interest rate, read through our best savings account guide.

Chase Total Checking®

Chase Total Checking®

Start banking

On Chase's website

Insider’s Rating

3.5/5

Perks

Earn $300 bonus when you open an account and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 07/24/2024)

Fees

$12 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Bonus

Earn $300 bonus when you open an account using a coupon code and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 07/24/2024)

$300

Pros

  • No required opening deposit
  • Over 4,700 branches
  • $300 sign-up bonus
  • Free overdraft protection when you link to savings for automatic transfers

Cons

  • $12 monthly fee unless you meet direct deposit or minimum balance requirements
  • Fees for non-Chase ATMs
  • $34 overdraft and non-sufficient funds fees (no fee if you're overdrawn by $50 or less at the end of the business day)

Insider’s Take

There are several Chase checking accounts, and Chase Total Checking® is the bank's most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $300 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase's other options could be a better fit.

Chase Total Checking review

Product Details

  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

See Personal Finance Insider's Chase Total Checking Review.

Chase Secure Banking℠

Chase Secure Banking℠

Start banking

On Chase's website

Insider’s Rating

3.75/5

Perks

Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 7/24/2024)

Fees

$4.95 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Bonus

Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 7/24/2024)

$100

Pros

  • No minimum opening deposit
  • No overdraft fees
  • Free money orders and cashier's checks
  • Early direct deposit (up to 2 days early)
  • $100 bonus

Cons

  • $4.95 monthly service fee
  • No overdraft protection
  • Fees for non-Chase ATM
  • Does not include paper checks
  • No wire transfers to or from this account with qualifying transactions

Insider’s Take

Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn't matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.

Chase Secure Banking℠ review

Product Details

  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions.
  • Open online or at any Chase branch. Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
  • JPMorgan Chase Bank, N.A. Member FDIC.

See Personal Finance Insider's Chase Secure Banking Review.

Chase Premier Plus Checking℠

Chase Premier Plus Checking℠

Start banking

Chase Bank, Member FDIC

Insider’s Rating

4/5

Fees

$25 monthly service fee

Annual Percentage Yield (APY)

0.01%

Minimum Opening Deposit

$0

Pros

  • No required opening deposit
  • Over 4,700 branches
  • Four waived out-of-network fees per month
  • Free Chase design checks, cashier's checks, and money orders
  • Waive monthly fees on 2 other Chase checking accounts when linked to this account, and to Chase savings accounts excluding Chase Private Client Savings
  • Possible to waive monthly service fee
  • Enroll in free overdraft protection that moves money from savings to checking
  • Chase Overdraft Assist lets you overdraw by up to $50 without paying a fee

Cons

  • $25 monthly fee unless you qualify to waive it
  • $3 fee for out-of-network ATMs
  • $34 overdraft and non-sufficient funds fees
  • Doesn't refund any fees charged by out-of-network ATMs

Product Details

  • The $25 monthly service fee is waived when you have an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account OR for current servicemembers and veterans of the U.S. Armed Forces with a qualifying military ID
  • No Chase fee on first four non-Chase ATM transactions per statement period
  • Earn interest on your checking account balance
  • Access to 15,000 Chase ATMs and over 4,700 branches
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.

See Personal Finance Insider's Chase Premier Plus Checking Review.

Chase Sapphire℠ Banking

Chase Sapphire℠ Banking

Start banking

JPMorgan Chase Bank, FDIC Insured

Insider’s Rating

4.25/5

Fees

$25 monthly service fee

Annual Percentage Yield (APY)

0.01% effective as of 02/24/2022. Interest rates are variable and subject to change

Minimum Opening Deposit

None

Pros

  • No required opening deposit
  • Over 4,700 branches
  • No out-of-network ATM fees worldwide
  • Unlimited out-of-network ATM fee reimbursem*nts
  • No foreign exchange rate adjustment fees
  • No incoming or outgoing wire transfer fees
  • No stop payment fees
  • No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods, combined
  • Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Banking (excluding Chase Private Client Checking and Savings)
  • Enroll in free overdraft protection to move money from savings to checking
  • Overdraft Assist lets you overdraw by up to $50 without charging a fee
  • Exclusive entertainment and sports event benefits

Cons

  • $25 monthly fee unless you have a combined $75,000 in Chase Sapphire and other qualified Chase accounts
  • $34 overdraft and non-sufficient funds fees

Product Details

  • The information related to the Chase Sapphire℠ Banking has been collected by Business Insider and has not been reviewed by the issuer
  • Access to 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
  • Waive $25 monthly service fee by maintaining an average daily balance of $75,000 combined in all of your Chase bank accounts and partner investment accounts

See Personal Finance Insider's Chase Sapphire Banking Review.

Chase Private Client Checking℠

Chase Private Client Checking℠

Start banking

On Chase's website

Insider’s Rating

4.25/5

Perks

Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account, transfer qualifying funds into a combination of eligible accounts within the first 45 days, and maintain your new money balance for at least 90 days from opening the account (offer expires 7/24/2024). Earn $1,000 when you deposit $150,000 - $249,999, earn $2,000 when you deposit $250,000 - $499,999, or earn $3,000 when you deposit $500,000 or more.

Fees

$35 monthly service fee

Annual Percentage Yield (APY)

The Annual Percentage Yield (APY), for Chase Private Client Checking℠ effective as of 3/22/2024 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.

0.01% as of 03/22/2024

Minimum Opening Deposit

None

Bonus

Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account, transfer qualifying funds into a combination of eligible accounts within the first 45 days, and maintain your new money balance for at least 90 days from opening the account (offer expires 7/24/2024). Earn $1,000 when you deposit $150,000 - $249,999, earn $2,000 when you deposit $250,000 - $499,999, or earn $3,000 when you deposit $500,000 or more.

up to $3,000

Pros

  • Earn up to $3,000 cash bonus
  • No foreign exchange rate adjustment fees
  • Unlimited out-of-network ATM fee refunds
  • No fees on the first 4 overdrafts during the current and previous 12 statement periods
  • No incoming or outgoing wire transfer fees
  • Higher deposit and withdrawal limits than other Chase checking accounts
  • Free personalized checks
  • Access to a Chase Private Banker
  • Access to a Business Relationship Manager
  • Access to exclusive offers on sport and entertainment events
  • Discounts on home and auto loans

Cons

  • You must have $150,000 in this account and any eligible linked Chase bank and investment accounts to qualify
  • $35 monthly service fee, unless you qualify to waive it
  • $34 overdraft and non-sufficient funds fees

Insider’s Take

Chase Private Client Checking℠ could be a good fit if you want access to a Chase Private Banker, Business Relationship Manager, and discounts on auto and home loans. But if you don't have at least $150,000 in a combination of your accounts, you won't qualify to open an account or to waive the monthly fee.

Chase Private Client Checking℠ review

Product Details

  • You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
  • Speak with a Private Client Banker to open your Chase Private Client CheckingSM account today. Schedule your meeting at your nearest branch or over the phone.
  • Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
  • Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
  • No ATM fees worldwide.
  • No Chase fee on incoming or outgoing wire transfers.
  • Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDepositSM limits.
  • Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.

See Personal Finance Insider's Chase Private Client Checking Review.

Chase has a variety of checking accounts. The best option for you will likely depend on the features you prioritize most in a checking account and whether you meet the requirements for monthly service fees.

It should be noted that Chase Private Client Checking, Chase Total Checking, and Chase Secure Banking are all listed in our best bank account bonuses guide. These accounts have cash bonuses for new customers.

See Personal Finance Insider's comprehensive Chase Checking Accounts Review.

Chase CD

Chase CD

Start saving

Chase Bank, Member FDIC

Insider’s Rating

3.5/5

Annual Percentage Yield (APY)

0.01% to 5.00% (vary by location)

Minimum Opening Deposit

$1,000

Pros

  • CD terms up to 10 years
  • Compounds interest daily

Cons

  • Low APY
  • $1,000 opening deposit
  • You must have a checking or savings account to open a CD online

Product Details

  • Terms ranging from 1 month to 10 years
  • Early withdrawal penalties ranging from 90 to 365 days interest
  • All balances and terms earn a standard rate of 0.01% APY
  • You can only open a CD online if you already have a Chase checking or savings account, otherwise visit a branch
  • FDIC insured

See Personal Finance Insider's Chase CD Review.

Chase has CD terms from one month to 10 years, which is a greater variety than most banks offer.

The standard interest rate is the same as the savings account's rate, but you'll earn a better "relationship rate" if you also have a Chase checking account. Online banks and credit unions pay higher interest rates overall, though.

Chase First Banking℠ Account

Chase First Banking℠ Account

Insider’s Rating

3.75/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Pros

  • No minimum opening deposit
  • No monthly service fees
  • Debit card included
  • Savings tools to help kids set goals
  • Parental monitoring tools that let you set up alerts or limits on purchases

Cons

  • Unable to earn interest on account
  • Fee for non-Chase ATMs

Product Details

  • -

See Personal Finance Insider's Chase First Banking Review.

Chase High School Checking

Chase High School Checking

Start banking

JPMorgan Chase Bank, FDIC Insured

Insider’s Rating

4/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Pros

  • No minimum opening deposit
  • No monthly service fees
  • Debit card included
  • Budgeting tools and alters to help teens save
  • Parental monitoring features to track spending
  • Non-US citizens are eligible to open an account in any Chase branch

Cons

  • $2.50 out-of-network ATM fee
  • Standard Overdraft Practice is not available
  • Parent must have a qualifying checking account

Product Details

  • Access to 15,000 Chase ATMs and more than 4,700 branches
  • Account must be linked to a parent/guardian's personal checking account (Chase High School Checking, Chase College Checking, Chase Secure Checking and Chase First Checking do not apply)
  • Chase High Checking account converts into a Chase Total Checking Account after you turn 19
  • Member FDIC

Chase College Checking℠

Chase College Checking℠

Start banking

On Chase's website

Insider’s Rating

3.75/5

Perks

Earn $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment (offer expires 7/24/2024).

Fees

$12 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Bonus

Earn $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment (offer expires 7/24/2024).

$100

Pros

  • No monthly maintenance fee for a Chase savings account linked to this account
  • No required opening deposit
  • Over 4,700 branches
  • Relatively easy to waive monthly fee

Cons

  • $12 monthly maintenance fee
  • $3 to $5 out-of-network ATM fee
  • No out-of-network ATM fee reimbursem*nts
  • 3% foreign transaction fee
  • $34 overdraft and non-sufficient funds fees

Insider’s Take

Chase is one of the best national banks out there, and it offers multiple checking accounts. Your best fit could come down to what perks you want and whether you can waive the monthly fee. Chase is a good option if you're looking for a cash bonus — several of its checking accounts are featured in our best bank account bonuses guide.

Chase College Checking℠ review

Product Details

  • Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
  • No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
  • Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number or who are 17-year-olds can only open an account at a branch.
  • Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
  • Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Chase Overdraft Assist℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

Chase could be a good option if you're looking for banking options for kids, teens, or college students. Chase First Banking℠ is a top pick in our best kid's savings accounts guide because it has useful management features for both kids and parents.

Chase College Checking℠ is also included in our guide for best bank accounts for college students because of easy branch and ATM access. You can also earn a bonus of $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment (offer expires 7/24/2024).

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Annual fee

$0

Rewards

Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Annual fee

$0

Rewards

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.

Annual fee

$0

Rewards

Earn 1% cash back on all purchases

Annual fee

$0

Rewards

N/A

Annual fee

$95

Rewards

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Annual fee

$550

Rewards

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

Annual fee

$0

Rewards

Earn 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership (earn 3% without an eligible Prime membership). Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.

Annual fee

$0

Rewards

Earn 3% back at Amazon.com and Whole Foods Market and on purchases made through Chase Travel. Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.

Annual fee

$69

Rewards

Earn 2X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Annual fee

$149

Rewards

Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Annual fee

$99

Rewards

Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Annual fee

$0 intro for the first year, then $95

Rewards

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

Annual fee

$250

Rewards

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.

Annual fee

$0

Rewards

Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

Annual fee

$525

Rewards

Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

Annual fee

$95

Rewards

Earn 3x points for each dollar spent on grocery stores, dining at restaurants, and Air Canada directly. Earn 1x points for each dollar spent on all other purchases.

Annual fee

$95

Rewards

Earn up to 17X points on purchases at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.

Annual fee

$250

Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

Annual fee

$0

Rewards

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Annual fee

$99

Rewards

Earn up to 26 total points per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.

Annual fee

$0

Rewards

Earn up to 17 total points per $1 spent when you stay at an IHG Hotel & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.

Annual fee

$95

Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.

Annual fee

$95

Rewards

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. For a limited time, earn 5x on up to $10k in gas, grocery stores and dining purchases in your first year.

Annual fee

$95

Rewards

Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. For a limited time, earn 5x on up to $10k in gas, grocery stores and dining purchases in your first year.

Annual fee

$95

Rewards

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus, earn 5x Avios on up to $10,000 in gas, grocery stores and dining purchases for first 12 months.

Annual fee

$0

Rewards

Earn 4% back on DoorDash and Caviar orders with no earning cap, 3% back on dining when purchased directly from a restaurant, 2% cash back on purchases from grocery stores, online or in person, 1% cash back on all other purchases.

Annual fee

$0

Rewards

Earn 5% cash back on Instacart.com and Instacart app purchases. Earn 5% cash back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more. Earn 2% cash back at restaurants, gas stations, and on select streaming services. Earn 1% cash back on all other purchases.

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Chase Freedom Unlimited®

Chase Freedom Unlimited®

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On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.35/5

Perks

Earn 5% cash back on Chase travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Regular APR

20.49% - 29.24% Variable

Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back

Earn an additional 1.5% cash back on everything you buy

Recommended Credit

Good to Excellent

Pros

  • Solid flat cash-back rate
  • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
  • No annual fee

Cons

  • Some other cards offer a higher rate of cash back on certain types of purchases

Insider’s Take

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

Chase Freedom Unlimited review

Product Details

  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

See Personal Finance Insider's Chase Freedom Unlimited Review.

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Bank Review 2024 (42)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Regular APR

20.49% - 29.24% Variable

Intro Offer

$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on PayPal, wholesale clubs, and select charities on up to $1,500 in combined purchases in this quarter's bonus categories

Earn $200 cash bonus

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Generous bonus cash-back categories
  • Great welcome bonus

Cons

  • Booking through Chase Ultimate Rewards portal can restrict outside earning potential
  • Varying percentages and rotating calendar categories require extra attention
  • 3% foreign transaction fees

Insider’s Take

The Chase Freedom Flex℠ is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.

Chase Freedom Flex review

See Personal Finance Insider's Chase Freedom Flex Review.

Chase Freedom® Student credit card

Chase Freedom® Student credit card

Chase Bank Review 2024 (43)

Insider’s Rating

3.7/5

Perks

Earn 1% back on all purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

19.74% Variable

Intro Offer

$50 bonus after first purchase made within the first three months from account opening

Earn $50 bonus

Recommended Credit

Good to Excellent

Pros

  • $20 Good Standing rewards (2,000 points) after each account anniversary year for the first five years
  • Potential to earn a credit limit increase after making on-time payments
  • Solid benefits for a no-annual-fee student card, including purchase protection, extended warranty, and trip cancellation/interruption insurance

Cons

  • Only earns 1% cash back on most purchases
  • Foreign transaction fees
  • Some student cards offer a higher welcome bonus

Insider’s Take

The Chase Freedom® Student credit card doesn't offer the highest bonus or rate of cash back on purchases compared to the best cash-back credit cards. Still, it comes with solid benefits (including a $20 annual Good Standing Reward) and the opportunity to earn a credit line increase after making on-time payments.

Chase Freedom® Student credit card review

See Personal Finance Insider's Chase Freedom Student Credit Card Review.

Chase Slate Edge℠

Chase Slate Edge℠

Chase Bank Review 2024 (44)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

2.75/5

Perks

0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 18 months from account opening

Regular APR

20.49% - 29.24% Variable

Intro Offer

N/A

Recommended Credit

Good to Excellent

Pros

  • Introductory APR on purchases and balance transfers for the first 18 months
  • No annual fee
  • Potential for automatic consideration for credit limit increases and purchase APR reductions

Cons

  • Card doesn’t earn rewards beyond the welcome bonus
  • Other cards have longer intro APR offers
  • Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments

Insider’s Take

If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.

Chase Slate Edge review

See Personal Finance Insider's Chase Slate Edge Credit Card Review.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • High intro bonus offer starts you off with lots of points
  • Strong travel coverage

Cons

  • Doesn't offer a Global Entry/TSA PreCheck application fee credit

Insider’s Take

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

Sapphire Preferred Card review

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

See Personal Finance Insider's Chase Sapphire Preferred Credit Card Review.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

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On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

Annual Fee

$550

Intro APR

N/A

Regular APR

22.49% - 29.49% Variable

Intro Offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • Annual travel credit can effectively shave $300 off the annual fee if you use it
  • Strong travel insurance
  • Strong bonus rewards on travel and dining

Cons

  • Very high annual fee

Insider’s Take

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

Chase Sapphire Reserve review

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

See Personal Finance Insider's Chase Sapphire Reserve Credit Card Review.

Prime Visa

Prime Visa

Apply now

On Amazon’s website

Insider’s Rating

4.05/5

Perks

Earn 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership (earn 3% without an eligible Prime membership). Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Intro Offer

Get a $100 Amazon Gift Card instantly upon approval with an eligible Prime membership

Earn a $100 Amazon gift card

Recommended Credit

Good to Excellent

Pros

  • 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
  • Good travel benefits and purchase protections
  • No annual fee

Cons

  • Must be an Amazon Prime member to qualify
  • Other cards offer higher cash-back rates on non-Amazon purchases

Insider’s Take

The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.

Prime Visa review

Product Details

  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

See Personal Finance Insider's Amazon Prime Visa Credit Card Review.

Amazon Visa

Amazon Visa

Chase Bank Review 2024 (48)

Insider’s Rating

4.3/5

Perks

Earn 3% back at Amazon.com and Whole Foods Market and on purchases made through Chase Travel. Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.

Earn 1-3% cash back on purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

18.99% - 26.99% variable

Intro Offer

$60 Amazon gift card and 3% back on all purchases, up to $1,500, for three months after account opening

Earn a $60 Amazon gift card and up to $1,500 cash back

Recommended Credit

Good to Excellent

Pros

  • Earn 3% back at Amazon, Whole Foods, and on travel booked through Chase
  • Good travel benefits and purchase protections
  • No annual fee or requirement to be an Amazon Prime member

Cons

  • Other cards offer higher cash-back rates on non-Amazon purchases

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

Apply now

On Chase's website

Insider’s Rating

3.55/5

Perks

Earn 2X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Annual Fee

$69

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

50,000 bonus points after you spend $1,000 on purchases in the first three months from account opening

Earn 50,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Earns Southwest points on every purchase
  • You get 3,000 points every year after your cardmember anniversary

Cons

  • Charges foreign transaction fees
  • Very limited benefits

Insider’s Take

The Southwest Rapid Rewards® Plus Credit Card is a solid choice if you fly with Southwest and want to earn a lucrative welcome bonus for the lowest annual fee. However, if you fly Southwest often, other Southwest personal cards could be a better fit if you can make the most of the benefits.

Southwest Rapid Rewards® Plus Credit Card review

Product Details

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • Member FDIC

See Personal Finance Insider's Southwest Rapid Rewards Plus Credit Card Review.

Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards® Priority Credit Card

Chase Bank Review 2024 (50)

Insider’s Rating

3.75/5

Perks

Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Annual Fee

$149

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

50,000 bonus points after you spend $1,000 on purchases in the first three months from account opening

Earn 50,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Generous annual benefits, including a Southwest travel credit and 7,500 points, plus upgraded boardings and in-flight discounts
  • If you fly Southwest several times a year, the benefits easily outweigh the annual fee
  • Annual fee is low compared to other premium airline credit cards

Cons

  • Highest annual fee among Southwest consumer cards

Insider’s Take

If you can make use of the Southwest Rapid Rewards® Priority Credit Card's many benefits and perks, it's well worth the annual fee. Otherwise, have a look at other Southwest cards like the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card, which have lower annual fees but the same elevated welcome bonus offer.

Southwest Rapid Rewards® Priority Credit Card review

See Personal Finance Insider's Southwest Rapid Rewards Priority Credit Card Review.

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Chase Bank Review 2024 (51)

Insider’s Rating

3.65/5

Perks

Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Annual Fee

$99

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

50,000 bonus points after you spend $1,000 on purchases in the first three months from account opening

Earn 50,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • You get 6,000 points each year after anniversary
  • You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card

Cons

  • Annual fee

Insider’s Take

The Southwest Rapid Rewards® Premier Credit Card is worth considering if you fly Southwest, even occasionally. This card strikes the best balance between valuable benefits and a moderate annual fee.

Southwest Rapid Rewards® Premier Credit Card review

See Personal Finance Insider's Southwest Rapid Rewards Premier Credit Card Review.

United℠ Explorer Card

United℠ Explorer Card

Apply now

On Chase's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.15/5

Perks

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

Annual Fee

$0 intro for the first year, then $95

Intro APR

N/A

Regular APR

21.99% - 28.99% Variable

Intro Offer

50,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open

Earn 50,000 bonus miles

Recommended Credit

Good to Excellent

Pros

  • Annual fee is waived the first year
  • Earns bonus miles on several purchase categories, including dining
  • Includes an application fee credit for Global Entry or TSA PreCheck
  • Gets you a free checked bag on United when you pay with the card

Cons

  • Not the most rewarding card for most non-United travel purchases

Insider’s Take

The United Explorer card is the best all-around credit card for United flyers, offering a generous range of benefits for a modest annual fee. Cardholders receive a free checked bag, priority boarding, and inflight discounts on United flights, plus two one-time United Club airport lounge passes each year for your anniversary.

United Explorer Card review

Product Details

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Member FDIC

See Personal Finance Insider's United Explorer Card Review.

United Quest℠ Card

United Quest℠ Card

Apply now

On Chase's website

Insider’s Rating

4.25/5

Perks

Earn 3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all other travel. 1 mile per $1 spent on all other purchases

Annual Fee

$250

Intro APR

N/A

Regular APR

21.99% - 28.99% Variable

Intro Offer

60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is open

Earn 60,000 bonus miles and 500 Premier qualifying points

Recommended Credit

Good to Excellent

Pros

  • Substantial intro bonus offer
  • A free first and second checked bag can save you and a companion up to $320 round-trip
  • Up to $125 in annual credits toward United® purchases can offset half the annual fee
  • 5,000-mile award flight credit can help you stretch your United miles

Cons

  • High $250 annual fee
  • Card doesn’t offer United Club lounge access or passes

Insider’s Take

If you fly United Airlines, even just a couple of times a year, the United Quest℠ Card should be on your radar. It comes with unique perks that can save you big time when you travel — such as two free checked bags when flying on United, up to $125 in automatic statement credits toward United purchases, and more.

United Quest℠ Card review

Product Details

  • Earn 60,000 bonus miles and 500 PQP after qualifying purchases
  • Earn 3 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel, dining and select streaming services
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
  • Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
  • Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
  • Member FDIC

See Personal Finance Insider's United Quest Card Review.

United Gateway℠ Card

United Gateway℠ Card

Apply now

On Chase's website

Insider’s Rating

3.5/5

Perks

Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases for 12 months

Regular APR

21.99% - 28.99% Variable

Intro Offer

20,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open

Earn 20,000 bonus miles

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Good bonus categories (including gas stations and local transit/commuting)
  • Access to expanded United award availability

Cons

  • Other United credit cards have much higher welcome bonuses
  • No free checked bag benefit like other United cards
  • Few United perks other than 25% back on inflight purchases

Insider’s Take

The United Gateway℠ Card isn't the best credit card for United flyers, but it can be a good option if you want an airline credit card but you never, ever want to pay an annual fee. With the card, you'll earn United miles and access expanded award availability, but you'll wind up with a relatively low welcome offer and few cardholder perks.

United Gateway℠ Card review

Product Details

  • Earn 20,000 bonus miles
  • No annual fee
  • Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent at gas stations, on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
  • Member FDIC

See Personal Finance Insider's United Gateway Credit Card Review.

United Club℠ Infinite Card

United Club℠ Infinite Card

Apply now

On Chase's website

Insider’s Rating

4.4/5

Perks

Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

Annual Fee

$525

Intro APR

N/A

Regular APR

21.99% - 28.99% Variable

Intro Offer

80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening

Earn 80,000 bonus miles

Recommended Credit

Excellent

Pros

  • Great intro bonus offer
  • If you want United Club membership, this card gets you it for less than buying it outright
  • Get two free checked bags on United
  • Earns 4x miles on United® purchases

Cons

  • Steep annual fee, especially for an airline credit card
  • The non-United bonus categories (travel and dining) only earn 2x miles

Insider’s Take

While a few of the best travel credit cards are great for United flyers, the United Club℠ Infinite Card is the most high-end of the bunch. Not only does it offer a full United Club airport lounge membership, but it can also help you rack up the miles for free trips quickly through everyday spending.

United Club℠ Infinite Card review

Product Details

  • Earn 80,000 bonus miles after qualifying purchases
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel and dining
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
  • Member FDIC

See Personal Finance Insider's United Club Infinite Card Review.

Aeroplan® Credit Card

Aeroplan® Credit Card

Apply now

On Chase's website

Insider’s Rating

4.25/5

Perks

Earn 3x points for each dollar spent on grocery stores, dining at restaurants, and Air Canada directly. Earn 1x points for each dollar spent on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.74% - 28.74% Variable

Intro Offer

60,000 points after you spend $3,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Generous welcome bonus which you can use for Air Canada and Star Alliance partner award flights
  • Free first checked bag on Air Canada flights for cardholder and up to eight companions
  • Automatic Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year (priority check-in, early boarding, upgrades on Air Canada flights)
  • Redeem points toward any travel purchase at 1.25 cents each through Pay Yourself Back

Cons

  • After the first two calendar years, you’ll need to requalify for 25K elite status by spending $15,000 in a calendar year
  • Card doesn’t offer airport lounge access or passes

Insider’s Take

The Aeroplan® Credit Card comes with a great welcome bonus, excellent travel perks, and a range of benefits that incentivize big spending on the card. It's also got a feature unique among airline cards — cardholders can now redeem points through Chase Pay Yourself Back for any travel purchase.

Chase Aeroplan® Credit Card review

Product Details

  • Earn 60,000 bonus points
  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • $95 Annual Fee
  • Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
  • Fly to another continent and travel the world with the Aeroplan® Credit Card.
  • Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
  • 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
  • Member FDIC

See Personal Finance Insider's Aeroplan Credit Card Review.

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

Chase Bank Review 2024 (57)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn up to 17X points on purchases at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

5 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account opening

Earn 5 Free Night Awards (each night valued up to 50,000 points)

Recommended Credit

Good to Excellent

Pros

  • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee

Cons

  • The only lucrative bonus category is participating Marriott Bonvoy hotels
  • Upgrading to Gold status requires spending $35,000 on the card in an account year

Insider’s Take

If you want to earn Marriott points on your everyday spending, the Marriott Bonvoy Boundless® Credit Card is a great option with a reasonable annual fee and a generous welcome bonus offer. It comes with good benefits, including a free night award each card anniversary and elite status credits for meeting spending thresholds.

Marriott Bonvoy Boundless Card review

See Personal Finance Insider's Marriott Bonvoy Boundless Credit Card Review.

Marriott Bonvoy Bountiful™ Card

Marriott Bonvoy Bountiful™ Card

Chase Bank Review 2024 (58)

Insider’s Rating

3.4/5

Perks

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

Annual Fee

$250

Intro APR

N/A

Regular APR

18.24% - 25.24% Variable

Intro Offer

85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening

Earn 85,000 bonus points

Recommended Credit

N/A

Pros

  • Substantial welcome offer and 4x bonus points on dining worldwide and U.S. supermarkets
  • Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays)
  • Earn 1,000 bonus Marriott points per stay

Cons

  • High annual fee
  • No free night award after your account anniversary; must spend $15,000 in a year to earn
  • 4x points capped at $15,000 in combined purchases on dining and U.S. supermarkets

Insider’s Take

The Marriott Bonvoy Bountiful™ Card comes with automatic Gold elite status and other perks that appeal to frequent Marriott travelers. However, it's got a $250 annual fee, so unless you can maximize its benefits, a different Marriott card would be a better fit.

Marriott Bonvoy Bountiful™ Card review

See Personal Finance Insider's Marriott Bonvoy Bountiful Card Review.

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

Chase Bank Review 2024 (59)

Insider’s Rating

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

3.6/5

Perks

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

30,000 bonus points after you spend $1,000 on purchases in the first three months from account opening

Earn 30,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Cardholders get 15 elite night credits toward status

Cons

  • Only offers strong rewards for Marriott purchases

Insider’s Take

The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.

Marriott Bonvoy Bold® Credit Card review

See Personal Finance Insider's Marriott Bonvoy Bold Credit Card Review.

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

Apply now

On Chase's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn up to 26 total points per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.

Annual Fee

$99

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Earn 140,000 bonus points after you spend $3,000 on purchases in the first three months from account opening.

Earn 140,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Anniversary reward night can be worth more than the annual fee

Cons

  • Could offer better rewards on non-IHG purchases

Insider’s Take

If you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cash and valuable annual spending incentives make the card even more compelling.

IHG One Rewards Premier Card review

Product Details

  • Earn 140,000 Bonus Points
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC

See Personal Finance Insider's IHG One Rewards Premier Credit Credit Card Review.

IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card

Apply now

On Chase's website

Insider’s Rating

4.05/5

Perks

Earn up to 17 total points per $1 spent when you stay at an IHG Hotel & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Earn 80,000 bonus points after you spend $2,000 on purchases in the first three months from account opening.

Earn 80,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Great points earning for IHG stays
  • No foreign transaction fees

Cons

  • Not much in the way of perks beyond earning points
  • Really only a good option for earning points on IHG stays

Insider’s Take

The IHG One Rewards Traveler Credit Card is a decent option if you stay at IHG hotels occasionally and don't want to pay an annual fee. However, you'll get a much better deal with the annual-fee personal Chase IHG card, the IHG One Rewards Premier Credit Card.

IHG One Rewards Traveler Credit Card review

Product Details

  • Earn 80,000 bonus points
  • No Annual Fee
  • Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Redeem 3 Nights, Get the 4th Night Free
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC

See Personal Finance Insider's IHG One Rewards Travel Credit Credit Card Review.

The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Earn up to 60,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Valuable annual reward night
  • Hyatt points are valuable, and this card earns 2x points on several bonus categories
  • If you spend a lot on this card, you can earn a second free night

Cons

  • Not too many extra benefits

Insider’s Take

If you like staying at Hyatt hotels, The World Of Hyatt Credit Card is an excellent complement to Hyatt's generous and competitive loyalty program that offers free nights and a path toward higher-tier elite status. Even if you're not a hardcore Hyatt fan, the card's useful benefits can appeal to most travelers — and make the card worth keeping year after year.

The World Of Hyatt Card review

Product Details

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC

See Personal Finance Insider's World of Hyatt Credit Card Review.

British Airways Visa Signature® Card

British Airways Visa Signature® Card

Apply now

On Chase's website

Insider’s Rating

4/5

Perks

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. For a limited time, earn 5x on up to $10k in gas, grocery stores and dining purchases in your first year.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases in your first year!

Earn 75,000 Avios

Recommended Credit

Good to Excellent

Pros

  • 3 Avios per dollar on British Airways purchases is a generous earning rate
  • You can receive up to $600 in statement credits per year when you book an award flight to London and pay the taxes and fees with this card

Cons

  • Not the most rewarding card for non-British Airways purchases

Insider’s Take

If you like British Airways Avios points, the British Airways Visa Signature® Card has an excellent welcome bonus offer to consider. It's worth it for domestic travel even if you don't fly with British Airways, but if you're new to points and miles, there are better rewards credit cards to consider.

British Airways Visa Signature® Card review

Product Details

  • Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months!
  • Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
  • Member FDIC

See Personal Finance Insider's British Airways Visa Signature Credit Card Review.

Aer Lingus Visa Signature® Card

Aer Lingus Visa Signature® Card

Apply now

On Chase's website

Insider’s Rating

3.9/5

Perks

Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. For a limited time, earn 5x on up to $10k in gas, grocery stores and dining purchases in your first year.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months!

Earn 75,000 Avios

Recommended Credit

Good to Excellent

Pros

  • Substantial welcome bonus and generous earning rate on Aer Lingus, British Airways, Iberia, and LEVEL purchases
  • Opportunity to earn a companion ticket each calendar year

Cons

  • Companion ticket requires $30,000 in spending in a calendar year

Insider’s Take

If you're looking to earn valuable Avios points to use on Aer Lingus or its partner airlines, the Aer Lingus Visa Signature® Card is a solid contender. However, its travel perks and benefits are most valuable if you're a frequent flyer with Aer Lingus.

Aer Lingus Visa Signature® Card review

Product Details

  • Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases!
  • Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you'll receive a Commercial Companion Ticket good for 12 months
  • You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
  • Member FDIC

See Personal Finance Insider's Aer Lingus Visa Signature Credit Card Review.

Iberia Visa Signature® Card

Iberia Visa Signature® Card

Apply now

On Chase's website

Insider’s Rating

3.95/5

Perks

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus, earn 5x Avios on up to $10k in gas, grocery stores and dining purchases for first 12 months.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. Plus, 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months!

Earn 75,000 Avios

Recommended Credit

Good to Excellent

Pros

  • Substantial welcome bonus and generous earning rate on Iberia, British Airways, Aer Lingus, and LEVEL purchases
  • Opportunity to earn a $1,000 Iberia flight discount voucher each calendar year

Cons

  • Discount voucher requires $30,000 in spending in a calendar year

Insider’s Take

The Iberia Visa Signature® Card has a strong welcome bonus and benefits that include discounts and an annual $1,000 flight voucher for two. It's a unique travel credit card that serves many more than just Iberia flyers.

Iberia Visa Signature® Card review

Product Details

  • Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months.
  • Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. 5x Avios on up to $10k in gas, grocery and dining purchases for your first 12 months.
  • Save 10% on Iberia flights purchased on iberia.com/Chase10
  • Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each calendar year you make purchases of $30,000 on your card
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
  • Member FDIC

See Personal Finance Insider's Iberia Signature Credit Card Review.

DoorDash Rewards Mastercard®

DoorDash Rewards Mastercard®

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.95/5

Perks

Earn 4% back on DoorDash and Caviar orders with no earning cap. Earn 3% back on dining when purchased directly from a restaurant. Earn 2% cash back on purchases from grocery stores, online or in person. Earn 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

20.24% - 28.99% Variable

Intro Offer

free DashPass ($96 value) for a year upon account opening

Free DashPass for a year

Recommended Credit

Good to Excellent

Pros

  • Strong cash-back earning rates on DoorDash and dining purchases
  • No annual fee or foreign transaction fees
  • Complimentary DashPass membership and discounts/statement credits

Cons

  • DashPass membership after the first year requires spending $10,000 on purchases
  • The card’s best benefits aren’t useful if you don’t order from DoorDash often
  • Welcome bonus offer isn’t as strong as some other no-annual-fee cash-back cards

Insider’s Take

If you're a DoorDash fanatic, the DoorDash Rewards Mastercard® is a great no-annual-fee credit card that will fit your lifestyle with a high return rate and a few benefits that can save you potentially hundreds. However, if you're indiscriminate with your food delivery platform, other cards offer a higher return with services like Uber Eats.

DoorDash Rewards Mastercard® review

Product Details

  • With the DoorDash Rewards Mastercard get a free year of DashPass ($96 value).
  • 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
  • 3% cash back on dining when purchased directly from a restaurant. No earning caps.
  • 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
  • Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
  • No annual card fee, just cash back on every purchase.
  • As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month. Maximum discount of $15 per order. Offer expires 12/31/2024.
  • Member FDIC

See Personal Finance Insider's DoorDash Rewards Credit Card Review.

Instacart Mastercard®

Instacart Mastercard®

Apply now

On Chase's website

Insider’s Rating

4.05/5

Perks

Earn 5% cash back on Instacart.com and Instacart app purchases. Earn 5% cash back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more. Earn 2% cash back at restaurants, gas stations, and on select streaming services. Earn 1% cash back on all other purchases.

Earn 1-5% cash back on purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

20.24% - 28.99% Variable

Intro Offer

$100 Instacart credit automatically upon approval, plus a free year of Instacart+ membership

Earn $100 Instacart credit plus a free year of Instacart+ membership

Recommended Credit

Good to Excellent

Pros

  • Earn 5% cash back on Instacart purchases
  • New cardholders get statement credit for Instacart purchases, with no minimum spending requirement
  • No annual fee
  • Strong 2% cash-back categories including restaurants, gas, and select streaming services
  • No foreign transaction fees

Cons

  • Not the most rewarding card for grocery purchases if you don't use Instacart
  • 5% cash back on Chase Travel might not be valuable depending on where you usually book travel

Insider’s Take

The Instacart Mastercard® from Chase is worth considering if you're looking for a grocery credit card and frequently use Instacart. If you don't spend a lot with Instacart, you'll likely do better with a different cash-back credit card.

Instacart Mastercard® review

Product Details

  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
  • No annual card fee

See Personal Finance Insider's Instacart Mastercard Review.

Chase has plethora of personal credit cards, many of which offer rewards for travel, dining, hotels, and more. In addition to the accounts listed above, the bank also offers two Disney rewards credit cards.

We have a guide on the best Chase credit cards, to help you determine the best options based on your needs.

Chase Business Credit Cards Review

Compare Chase Business Credit Cards

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    World of Hyatt Business Credit Card

Annual fee

$195

Rewards

Earn 2.5% cash back on every purchase totaling $5,000 or more. Earn 2% cash back on all other business purchases. Earn 5% cash back on travel purchased through Chase Ultimate Rewards.

Annual fee

$0

Rewards

Earn unlimited 1.5% cash back on purchases.

Annual fee

$0

Rewards

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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Annual fee

$95

Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Annual fee

$199

Rewards

Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.

Annual fee

$99

Rewards

Earn 3X points on Southwest Airlines® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. 1 point per $1 spent on all other purchases.

Annual fee

$0 intro for the first year, then $99

Rewards

Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

Annual fee

$450

Rewards

Earn 2x miles on United Airlines purchases. Earn 1.5 miles per $1 spent on all other purchases.

Annual fee

$99

Rewards

Earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.

Annual fee

$199

Rewards

Earn 9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Earn 2 Bonus Points per $1 spent on fitness club and gym memberships. Earn 1 Bonus Point per $1 spent on all other purchases.

Apply now

On Chase's website

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On Chase's website

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On Chase's website

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On Chase's website

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On Chase's website

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On Chase's website

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On Chase's website

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On Chase's website

Ink Business Premier® Credit Card

Ink Business Premier® Credit Card

Chase Bank Review 2024 (78)

Insider’s Rating

4.1/5

Perks

Earn 2.5% cash back on every purchase totaling $5,000 or more. Earn 2% cash back on all other business purchases. Earn 5% cash back on travel purchased through Chase Ultimate Rewards.

Earn 2-5% cash back on purchases.

Annual Fee

$195

Intro APR

N/A

Regular APR

19.49% - 27.49% Flex for Business Variable

Intro Offer

$1,000 cash back after making $10,000 in purchases in the first three months of account opening

Earn $1,000 cash back

Recommended Credit

N/A

Pros

  • High welcome bonus and at least 2% cash back on every purchase
  • 2.5% cash back on purchases of $5,000 or more
  • Good travel and purchase benefits including cell phone protection

Cons

  • Rewards can’t be turned into transferable Chase Ultimate Rewards points
  • High annual fee
  • Pay-in-full card means you’ll have to pay your balance in full each month or use Chase’s new Flex for Business financing option

Insider’s Take

With a high annual fee and limited redemption options compared to other Chase Ink cards, this card is only a good fit for small businesses that regularly make purchases of $5,000 or more to trigger the highest reward rate. It could also be a good choice for those who need the higher spending potential offered by a pay-in-full card. For most small business owners, however, other Chase Ink cards are a better value.

Ink Business Premier Card review

See Personal Finance Insider's Chase Ink Business Premier Credit Card Review.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.25/5

Perks

Earn unlimited 1.5% cash back on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases for the first 12 months

Regular APR

18.49% - 24.49% Variable

Intro Offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening

Earn $750 bonus cash back

Recommended Credit

Good to Excellent

Pros

  • Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
  • Intro APR offer
  • No annual fee

Cons

  • You can earn more cash back on some purchases with a card that has bonus categories

Insider’s Take

The Ink Business Unlimited® Credit Card is a great option for small business owners who prefer a straightforward earning rate and no annual fee. You'll earn 1.5% cash back on every purchase, and there's no limit to what you can earn.

Ink Business Unlimited review

Product Details

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

See Personal Finance Insider's Chase Ink Business Unlimited Credit Card Review.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.55/5

Perks

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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases for the first 12 months

Regular APR

18.49% - 24.49% Variable

Intro Offer

$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Earn up to $750 bonus cash back

Recommended Credit

Good to Excellent

Pros

  • Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
  • Intro APR offer for purchases
  • No annual fee
  • You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel

Cons

  • Annual cap on bonus categories

Insider’s Take

Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.

Ink Business Cash review

Product Details

  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

See Personal Finance Insider's Chase Ink Business Cash Credit Card Review.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.5/5

Perks

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.24% - 26.24% Variable

Intro Offer

100,000 bonus points after spending $8,000 on purchases in the first three months from account opening

Earn 100,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • High sign-up bonus
  • Offers 3x bonus points on several spending categories, including travel and advertising purchases
  • Includes comprehensive travel coverage

Cons

  • Welcome bonus has a very high minimum spending requirement

Insider’s Take

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

Ink Business Preferred Card review

Product Details

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

See Personal Finance Insider's Chase Ink Business Preferred Credit Card Review.

Southwest® Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

Apply now

On Chase's website

Insider’s Rating

4/5

Perks

Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.

Annual Fee

$199

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

80,000 points after you spend $5,000 on purchases in the first three months from account opening

Earn 80,000 points

Recommended Credit

Good to Excellent

Pros

  • 4x bonus points on Southwest purchases
  • Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary

Cons

  • $199 annual fee is on the high side

Product Details

  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X pts on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car rental partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Member FDIC

See Personal Finance Insider's Southwest Rapid Rewards Performance Business Credit Card Review.

Southwest® Rapid Rewards® Premier Business Credit Card

Southwest® Rapid Rewards® Premier Business Credit Card

Apply now

On Chase's website

Insider’s Rating

3.75/5

Perks

Earn 3X points on Southwest Airlines® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. 1 point per $1 spent on all other purchases.

Annual Fee

$99

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 points after you spend $3,000 on purchases in the first three months your account is open

Earn 60,000 points

Recommended Credit

Good to Excellent

Pros

  • Awards you 6,000 points each year after your account anniversary
  • Earns 3x Southwest points per dollar on your Southwest purchases

Cons

  • No bonus points on non-Southwest purchases
  • Relatively light benefits compared to other airline credit cards

Product Details

  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • Earn 3X points on Southwest Airlines® purchases.
  • Earn 2X points on Rapid Rewards® hotel and car rental partners.
  • Earn 2X points on rideshare.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In® each year.
  • Member FDIC

See Personal Finance Insider's Southwest Rapid Rewards Premier Business Credit Card Review.

United℠ Business Card

United℠ Business Card

Apply now

On Chase's website

Insider’s Rating

4.2/5

Perks

Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

Annual Fee

$0 intro for the first year, then $99

Intro APR

N/A

Regular APR

21.99% - 28.99% Variable

Intro Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 75,000 bonus miles

Recommended Credit

Good to Excellent

Pros

  • Solid travel benefits with United, including a free checked bag and priority boarding
  • $100 annual United travel credit is relatively easy to earn

Cons

  • Beyond the intro bonus offer, it will take a while to earn a lot of miles through everyday spending on this card

Insider’s Take

Although it joins a crowded field of excellent United Airlines credit cards, the United℠ Business Card from Chase has several standout benefits that make it well worth considering for both frequent and occasional United flyers.

United℠ Business Card review

Product Details

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • Member FDIC

See Personal Finance Insider's United Business Credit Card Review.

United Club℠ Business Card

United Club℠ Business Card

Chase Bank Review 2024 (85)

Insider’s Rating

4.2/5

Perks

Earn 2x miles on United Airlines purchases. Earn 1.5 miles per $1 spent on all other purchases.

Earn 1.5-2 miles per dollar on purchases.

Annual Fee

$450

Intro APR

N/A

Regular APR

20.74% – 27.74% Variable

Intro Offer

75,000 bonus miles after spending $5,000 on purchases in the first three months from account opening

Earn 75,000 bonus miles

Recommended Credit

N/A

Pros

  • Full United Club membership
  • Earns 1.5 miles on all non-United purchases
  • Cardholders can get 2 free checked bags on United

Cons

  • High annual fee
  • No bonus miles-earning categories beyond United

IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

Apply now

On Chase's website

Insider’s Rating

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

4.3/5

Perks

Earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.

Annual Fee

$99

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Limited Time Offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

Earn up to 175,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Up to 2 free night certificates each year
  • Ability to achieve top-tier elite status through spending

Cons

  • $99 annual fee

Insider’s Take

With valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It's got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.

IHG One Rewards Premier Business Credit Card review

Product Details

  • Limited Time offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier Business cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
  • IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC

See Personal Finance Insider's IHG One Rewards Premier Business Credit Card Review.

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

Apply now

On Chase's website

Insider’s Rating

4/5

Perks

Earn 9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Earn 2 Bonus Points per $1 spent on fitness club and gym memberships. Earn 1 Bonus Point per $1 spent on all other purchases.

Annual Fee

$199

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 bonus points after spending $5,000 on purchases in the first three months of account opening

Earn 60,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Excellent welcome bonus, earning, and benefits
  • Automatic elite status for yourself and up to five company employees
  • Up to $100 in Hyatt credits each year and a 10% points rebate on redemptions when you meet spending requirements

Cons

  • High annual fee
  • Card doesn’t offer an annual free night like similar hotel cards do
  • Points rebate requires $50,000 in spending in a calendar year

Insider’s Take

Small-business owners who stay with Hyatt frequently could get great value from this card, especially if they take advantage of perks like automatic elite status for the primary cardholder and up to five employees. However, it's got a higher annual fee than most hotel cards, so be sure your spending and travel habits line up with the card's benefits before you apply.

World of Hyatt Business Card review

Product Details

  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
  • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases.
  • Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
  • Member FDIC

See Personal Finance Insider's World of Hyatt Business Credit Card Review.

If you're a small business owner, Chase has 10 business credit cards to explore. A few are featured in our best business credit cards guide.

Chase Mortgages Review

Chase Mortgage

Compare rates

On Bankrate's website

Insider’s Rating

4.12/5

Perks

Offers robust rate customization tools that let you see personalized sample rates without having to provide contact information

Recommended Credit

620

Minimum Down Payment

3%

Types of Loans Offered

Conforming, jumbo, FHA, VA, Chase DreaMaker

Pros

  • The Chase DreaMaker mortgage is a good option for lower-income borrowers
  • Advanced tool for seeing personalized rates and payments

Cons

  • No USDA loans, home equity loans, reverse mortgages, or construction loans
  • Doesn't accept alternative forms of credit
  • High credit score requirements

Insider’s Take

Chase Mortgage is one of the best mortgage lenders overall, offering products for many different types of borrowers, including low-income households. It also ranks high in customer satisfaction.

Chase review

Product Details

  • Offers home loans in all 50 US states and Washington, DC
  • Branches in 48 US states
  • Does not accept alternative credit data, such as proof of paying bills on time, in lieu of a credit score
  • Minimum credit score and down payment displayed are for conforming mortgages

See Personal Finance Insider's Chase Mortgage Review.

Chase has conforming, jumbo, FHA, VA, and Chase DreaMaker mortgages. The Chase DreaMaker mortgage may be a good option if you're searching for a program for low-income earners. The program allows lower-income borrowers to make a minimum 3% down payment with reduced private mortgage insurance costs.

About Chase

Chase is a brick-and-mortar bank with 4,700 branches and more than 15,000 free ATMs. Bank accounts can be opened online from anywhere in the continental US.

For specific Chase locations, customer support may vary depending on where you live. However, generally, branches have customer support available on weekdays from 9 a.m. to 5 p.m. for that time zone.

Its mobile app is rated 4.8 out of 5 stars in the Apple store, and 4.3 out of 5 stars in the Google Play Store.

Chase is FDIC-insured. Up to $250,000 per depositor, per category is secure in an individual bank account.

IsChase Trustworthy?

We use ratings from the Better Business Bureau to see how banks respond to customer issues. The BBB gives Chase an A+ rating.

Chase does have a recent public controversy, though.

In 2023, JP Morgan Chase was required to pay$75 million in a settlementwith the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein's sex trafficking operation.

Chase Bank FAQs

How much money do you need to open a Chase checking account?

You can open a Chase checking account online or at a branch with $0.

What do you need to open a bank account at Chase if you're under 18?

If you're under the age of 18, you must open a bank account with a parent or legal guardian. Parents must have a Chase checking account, and both of you must provide two types of IDs. The Chase High School Checking Account must be opened at a branch. If you're 17 years old and want to open a Chase College Checking Account, you'll also have to open an account at a branch.

Does Chase have any bank account bonuses?

Chase Bank has bank account bonuses for Chase Secure Banking ($100), Chase Total Checking ($300), Chase College Checking ($100), Chase Private Client Checking (up to $3,000), and Chase Business Complete Checking ($300).

Is Chase FDIC-insured?

Yes, Chase is a federally insured financial institution.

Does Chase have Zelle?

Yes, you can access Zelle through the bank's mobile app.

Does Chase exchange foreign currency?

Yes, Chase customers may exchange foreign currency at a branch. You'll have to contact your nearest branch to place the order and see if there are any potential fees.

Can I open a Chase bank account without an SSN?

You do not need a Social Security number to open a Chase bank account. Immigrants and non-US citizens may use a foreign passport or Matricula Consular.

Is First Republic Bank owned by Chase?

Chase took over First Republic Bank in May 2023. According to a press release by the FDIC, Chase acquired deposits and assets of First Republic Bank. Chasewill protect uninsured and insured deposits per a message on theFirst Republic Bank website. If you are a First Republic Bank customer, you can continue using services as normal. Banking offices will remain in operation and you can still use First Republic Bank online and mobile banking.

Methodology: How We Reviewed Chase Bank

For our Chase Bank review, we rated bank products and services using our editorial standards.

At Personal Finance Insider, we rate products on a scale from zero to five stars. For bank accounts, we review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.

We'll consider factors like annual fees and sign-up bonuses for credit cards, and term lengths for loans. In general, we also look at customer service and ethics.

How Chase Bank Compares

Chase Bank vs. Bank of America

You might prefer Bank of America for a savings account because the Bank of America Advantage Savings Account automatically waives its monthly fee for the first six months. Opening this account also makes you eligible to earn cash-back rewards when you use your debit card with select retailers.

Chase may be better if you're searching for the right checking account, though. There are several Chase checking accounts, so you're likely to find one that fits your needs.

Bank of America Review

Chase Bank vs. Wells Fargo

The Wells Fargo Kids Way2Save Savings Account is appealing because it has tools to help you save more. For example, the Save As You Go® feature transfers $1 from checking to savings each time you swipe your Wells Fargo debit card.

Chase offers many more checking account options than Wells Fargo, so you might find the best fit with Chase. As far as CDs go, it depends on which CD term length you're looking for. Wells Fargo CD rates are decent, but the bank only offers terms up to one year. Meanwhile, Chase has CD terms as high as 10 years.

Wells Fargo Review

Wells Fargo vs. Chase Bank

Chase Bank Review 2024 (89)

Sophia Acevedo, CEPF

Banking Editor

Sophia Acevedo is a banking editor at Business Insider. She edits and writes bank reviews, banking guides, and banking and savings articles for the Personal Finance Insider team. She is also a Certified Educator in Personal Finance (CEPF).Sophia joined Business Insider in July 2021. Sophia is an alumna of California State University Fullerton, where she studied journalism and minored in political science. She is based in Southern California.You can reach out to her on Twitter at @sophieacvdo or email sacevedo@businessinsider.com.Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>Below are links to some of her most popular stories:

Chase Bank Review 2024 (90)

Evelyn He

Compliance and Operations Associate

Evelyn He is a compliance and operations associate at Business Insider who supports the Personal Finance Insider team. Personal Finance Insider is Business Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Business Insider readers already know and love.The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.Before joining Business Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.Outside of work, she enjoys spending time with her 15-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.

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