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What You Need to Know About Chase Credit Cards

Chase Bank is massive bank. It has over 5,100 branches and 16,000 ATMs across the United States. So, its a no-brainer to consider some of their credit card offerings in a search for a new card.

Its historic roots as a banking institution lie in The Manhattan Company, founded in 1799 by Aaron Burr to rival Alexander Hamilton’s Bank of New York.

Today, JPMorgan Chase & Co. is the overarching organization that owns Chase Bank. Chase Bank itself is known mainly for its many travel rewards card options, as well as some partner cards with companies like Amazon.

What Kinds of Credit Cards Does Chase Offer?

Chase has many options for eager travelers in their credit lineup, a solid cash back card, and some options small businesses.

Let’s take a closer look at each category.

Chase Travel Rewards

Travel rewards cards allow you to earn miles and apply them to your travel purchases.

Chase is most well-known for its travel rewards cards, and for a good reason: they have eight airline partner cards and seven hotel partner cards.

Chase’s proprietary offerings are the Chase Sapphire® Preferred and the Chase Sapphire® Reserve.

Chase uses a “points” system rather than a “miles” system for their travel rewards credit cards. The points function as currency in the Chase Ultimate Rewards travel platform. You can transfer them at a 1:1 value to one of Chase’s many partner airlines or hotels. This means that each point is equivalent to a mile.

The Chase Sapphire® Preferred card is for the traveler who wants rewards but does not want to maintain an expensive annual fee. The fee for this card is $95 a year, and card owners earn 2X points on dining and travel at restaurants. You will earn one point per dollar on all other purchases. New card owners receive 60,000 bonus points (approximately $750 worth) after spending $4000 within the first three months. When you redeem directly through Chase Ultimate Rewards, your points are worth 25% on travel purchases.

The Chase Sapphire® Reserve card may have a hefty annual fee. Still, it has more value for the frequent traveler, especially if family members are added as authorized users. The annual fee is $550, with each authorized user added at an additional $75 per year. But, in exchange, you receive $300 in travel credit annually, 50,000 points after spending $4000 in the first three months of card ownership (again worth $750 under this plan), and 3X points on travel and dining purchases (where all other purchases are still worth one point per dollar). When you redeem directly through Chase Ultimate Rewards, your points are worth 50% on travel purchases.

There are several other cards under the Chase label in partnership with different airlines and hotels. See the partnership section below for a list.

Chase Cash Back Rewards

Cash back rewards cards give you a certain percentage of your money back on purchases. Often, specific purchase categories have more associated rewards.

Chase has two different cash back credit cards. The Chase Freedom Unlimited® card and the Chase Freedom® card.

Both of these cash back cards have no annual fee, but they have different reward structures, so you can choose the one that makes the most sense for you.

Both cards do offer a $200 cash reward if you spend $500 in the first three months if you apply for the card directly from Chase Bank.

The Chase Freedom Unlimited® has 1.5% cashback on every purchase.

The Chase Freedom® has a slightly more complicated system: you will get 5% cash back on up to $1500 in a different purchase category every quarter (gas stations, grocery stores, etc.). All other purchases garner 1% cash back.

Chase Business Rewards Cards

There are three proprietary Chase Bank business rewards cards, as well as two partner business cards:

The Ink Business PreferredSM credit card rewards amount to 3X points on travel and business purchase categories and 100,000 points if you spend $15,000 on purchases within the first three months. This card has a $95 annual fee.

The Ink Business UnlimitedSM and Ink Business CashSM cards have similar offers to the standard cash back cards: both give you $500 back if you spend $3000 in the first three months.

The Ink Business UnlimitedSM has 1.5% cash back on all purchases related to your business. In comparison, the Ink Business CashSM credit card offers 5% cash back in select business categories quarterly.

Low Intro APR and Cards with No Annual Fee

Several of the cards already mentioned have low intro APR (annual percentage rate) or no annual fee.

These credit cards are appealing for those who do not want a high-interest rate on potential balances left on their account or anyone who does not want to pay a regular fee to maintain their credit card.

Here are the proprietary Chase credit cards with low intro APR and no annual fees:

  • Chase Freedom Unlimited®
  • Chase Freedom®
  • Ink Business UnlimitedSM
  • Ink Business CashSM

What Kinds of Partnership Credit Cards Does Chase Offer?

Chase partners with a wide variety of companies to provide both travel and cash back rewards cards with extra benefits at partner venues.

I will cover two of those partner cards in-depth, and you can find a list of Chase’s full round-up of partner cards at the bottom of this section.

Southwest Airlines and Chase have an extensive partnership, with four credit cards in the Chase Bank lineup. All cards are issued in partnership with Southwest Airlines rewards:

  • Southwest Rapid Rewards® Priority Credit Card:
    • Earn 40,000 points after you spend $1,000 on purchases within the first 3 months.
    • Then earn a $75 Southwest annual credit, 2X points on Southwest purchases, 1X points on all other purchases, and 7,500-anniversary bonus points.
    • $149 will be applied as an annual fee to the first statement.
  • Southwest Rapid Rewards® Plus Credit Card:
    • Earn 40,000 points after you spend $1,000 on purchases within the first 3 months.
    • Then earn reward flights with no blackout dates, 2X points on Southwest purchases, 1X points on all other purchases, and 3,000-anniversary bonus points.
    • $69 will be applied as an annual fee to the first statement.
  • Southwest Rapid Rewards® Premier Credit Card:
    • Earn 40,000 points after you spend $1,000 on purchases within the first 3 months.
    • Then earn reward flights with no blackout dates, 2X points on Southwest purchases, 1X points on all other purchases, and 6,000-anniversary bonus points.
    • $99 will be applied as an annual fee to the first statement.
  • Southwest Rapid Rewards® Performance Business Credit Card:
    • Earn 70,000 points after you spend $5,000 on purchases within the first 3 months, then an additional 30,000 points after you spend $25,000 on purchases within the first 6 months.
    • Then earn reward flights with no blackout dates, 3X points on Southwest purchases, 2X points on purchases in select business categories, and 9,000-anniversary bonus points.
    • $199 will be applied as an annual fee to the first statement.
  • Amazon Prime Rewards Visa Signature Card:
    • Gives an Amazon Gift Card bonus upon approval of the application.
    • Earn 5% cash back at amazon.com and Whole Foods with an eligible Amazon Prime account.
    • Earn 2% cash back at restaurants, gas stations, and drug stores, and 1% cash back at all other locations.
    • There is no annual fee for this card.

How do I Apply for a Chase Credit Card?

You can apply for a Chase credit card on the Chase website or over the phone.

You’ll need to provide several personal information items, including name, contact information, date of birth, social security number, employment status, gross income, citizenship status, monthly housing payments, and bank account details.

You will quickly learn whether you have been approved for a card and can always reach out to Chase if you have further questions.

How do I Contact Chase if I Need help with My Credit Card?

If you have any questions about your account or credit card, you can use the Chase mobile app or website to chat with a representative or look up answers to frequently asked questions.

You can also call the Chase customer service line during limited business hours to talk to a representative via 1-800-935-9935.

What do I do if I Lose My Chase Credit Card?

If you have lost your Chase credit card or believe it was stolen, immediately log into your Chase account online and request a freeze on your account and a replacement card.

You may also reach out directly to Chase customer service at this phone number for assistance tailored to stolen credit cards: 1-800-432-3117.

Other Chase Credit Cards Not Covered in This Article