The Best Chase Credit Cards: Business & Personal Options Compared

If you’ve been shopping around for a new credit card, whether for personal or business use, you’ve likely come across a Chase credit card or three. In fact, it would be hard not to — between its own branded credit cards and its co-branded partner cards, Chase offers dozens of credit cards across a wide range of categories.

To make things easier, we’ve gathered the key details on Chase’s current credit card lineup in one place. Here’s a breakdown of Chase’s credit cards and what each one offers.

For a broader comparison, check out our guide to the best business credit cards.

Chase frequently updates its credit card lineup, so availability and features may change over time.

Business Credit Cards Offered By Chase

Here’s a breakdown of Chase’s business credit cards.

1) Chase Ink Business Preferred

The Chase Ink Business Preferred® Credit Card is a strong option for business owners who want to earn rewards on travel and everyday business expenses. Cardholders earn 3x points per $1 on the first $150,000 in combined purchases across travel and select business categories each year.

New cardholders can earn a large welcome bonus after meeting a minimum spending requirement. When redeemed through Chase Ultimate Rewards, points are typically worth more toward travel bookings.

It’s the most feature-rich of Chase’s core Ink business credit cards (excluding co-branded options). Unlike the other Ink cards, it does come with a $95 annual fee.

2) Chase Ink Business Cash

With no annual fee, the Chase Ink Business Cash® Credit Card is focused on maximizing cash back rewards.

Here’s how the card’s cash back structure breaks down:

• Earn 5% cash back on the first $25,000 spent annually in combined purchases at office supply stores and on internet, cable, and phone services
• Earn 2% cash back on the first $25,000 spent annually in combined purchases at gas stations and restaurants
• Earn 1% cash back on all other purchases

Rewards are earned as cash back but can also be redeemed for points through Chase Ultimate Rewards when paired with certain Chase cards.

3) Chase Ink Business Unlimited

The Chase Ink Business Unlimited® Credit Card is a cash back business card designed for business owners who prefer a simple, flat-rate rewards structure. The card earns a flat 1.5% cash back on all purchases, with no cap on rewards.

Like the Ink Business Cash® Credit Card, this card has no annual fee and offers an introductory 0% APR on purchases for a limited time.

Rewards are earned as cash back but can also be converted into points through Chase Ultimate Rewards when paired with select Chase cards.

Chase Partner Business Cards

4) United Business Card

This card is designed for business travelers who frequently fly United. New cardholders can earn a welcome bonus after meeting a minimum spending requirement.

Here’s how earning works:

• 2 miles per $1 spent on United purchases, with the opportunity to earn additional miles through United’s MileagePlus program when booking directly with the airline
• Earn 2 miles per $1 spent on local transit and commuting, gas stations, office supply stores, and restaurants
• Earn 1 mile per $1 on all other purchases.

Additional perks include a free first checked bag for the primary cardholder and one companion on the same reservation, two one-time United Club lounge passes each year, and priority boarding for you and companions on the same reservation.

The card has an annual fee 0f $150.

5) Southwest Rapid Rewards Performance Business Credit Card

If you fly with Southwest Airlines, the Southwest® Rapid Rewards® Performance Business Credit Card may be worth a look. Southwest primarily operates within its own network and does not participate in major airline alliances.

The card may feature a tiered welcome bonus structure, allowing cardholders to earn points after meeting specific spending thresholds.

Here’s how the card’s rewards structure breaks down:

• Earn 4 points per $1 spent on Southwest purchases
• Earn 2 points per $1 spent for hotels, local transit and commuting, and purchases at gas stations and restaurants
• Earn 1 point per $1 spent on all other purchases

On your account anniversary, you’ll receive 9,000 bonus points. You’ll also receive benefits like early boarding access, Extra Legroom upgrades, Preferred seats, and credits for Global Entry, TSA PreCheck, or NEXUS.

6) Southwest Rapid Rewards Premier Business Credit Card

If you frequently fly Southwest but don’t need all of the added perks of the Performance Business card, the Southwest® Rapid Rewards® Premier Business Credit Card offers a simpler, lower-cost option.

New cardholders can earn a welcome bonus after meeting a minimum spending requirement.

Here’s how the card’s rewards structure breaks down:

• Earn 3 points per $1 spent on Southwest purchases
• Earn 2 points per $1 spent on select categories such as local transit and commuting
• Earn 1 point per $1 spent on all other purchases

The card also includes a 6,000-point anniversary bonus and has an annual fee. Some perks — including a free checked bag and complimentary Preferred seating — are included.

Chase Personal Credit Cards

Now that we’ve glanced over Chase’s stable of business credit cards, let’s take a journey to see what personal cards are on offer:

7) Chase Freedom Flex

The Chase Freedom Flex℠ is a no-annual-fee cash back credit card that offers rotating bonus categories and an introductory 0% APR on purchases and balance transfers for a limited time.

• Earn 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (activation required)
• Earn 1% cash back on all other purchases

The card also includes fixed bonus categories, such as elevated cash back on dining and drugstore purchases.

8) Chase Freedom Unlimited

The Chase Freedom Unlimited shares some similarities with the Chase Freedom Flex, including no annual fee and an introductory 0% APR offer on purchases and balance transfers for a limited time.

Instead of rotating categories, the card earns a flat 1.5% cash back on most purchases. The card also includes elevated cash back rates in select categories, such as dining and drugstore purchases.

9) Chase Sapphire Preferred

The Chase Sapphire Preferred® Card is a mid-tier travel rewards credit card that earns 5X points on Chase Travel. The card earns elevated rewards on other categories, including dining, streaming services, and online grocery purchases, plus 1 point per $1 on all other purchases.

Points redeemed through Chase Ultimate Rewards can offer increased value toward travel bookings.

The card has an annual fee of $95.

10) Chase Sapphire Reserve

Looking for a premium travel card with valuable perks and strong rewards potential? The Chase Sapphire Reserve could be a good fit.

Here’s how you can be rewarded:

• Earn 8 points per $1 spent on travel booked through Chase Travel
• Earn 4 points per $1 spent on flights and hotels that are booked direct,
• Earn 3 points per $1 spent on dining
• Earn 1 point per $1 spent on everything else.

Additional perks include an annual travel credit, a fee credit for Global Entry or TSA PreCheck, and Priority Pass Select lounge access.

But these big perks come with a big annual fee of $795.

11) Chase Slate

The Chase Slate® card is designed for financing purchases and consolidating existing debt rather than earning rewards. The card does not offer rewards, focusing instead on low introductory rates.

The card may offer an introductory 0% APR period on purchases and balance transfers for a limited time. Combined with no annual fee and access to credit monitoring tools, it can be a useful option for managing existing balances.

Chase Partner Personal Credit Cards

12) Southwest Rapid Rewards Priority

If you’re looking for the most feature-rich Southwest personal card, the Southwest® Rapid Rewards® Priority Credit Card offers the most benefits in the lineup.

Here’s how the card’s rewards structure breaks down:

• Earn 4 points per $1 spent on Southwest purchases
• Earn 2 points per $1 spent at gas stations and restaurants
• Earn 1 point per $1 spent on all other purchases

Additional perks include a 7,500-point anniversary bonus each year, a $75 annual Southwest travel credit, four upgraded boardings per year, and a range of travel and purchase protections

13) Southwest Rapid Rewards Plus

The Southwest® Rapid Rewards® Plus Credit Card is the entry-level option in Chase’s Southwest personal card lineup, offering a lower annual fee than the other Southwest cards.

Here’s how the card’s rewards structure breaks down:

• Earn 2 points per $1 spent on Southwest purchases
• Earn 2 points per $1 for the first $5,000 spent at gas stations and grocery stores
• Earn 1 point per $1 spent on all other purchases

The card also includes a 3,000-point anniversary bonus and basic travel perks. A $99 annual fee applies.

14) Southwest Rapid Rewards Premier

The Southwest® Rapid Rewards® Premier Credit Card is the mid-tier option in Chase’s Southwest personal card lineup.

Here’s how the card’s rewards structure breaks down:

• Earn 3 points per $1 spent on Southwest purchases
• Earn 2 points per $1 for the first $8,000 spent at gas stations and grocery stores
• Earn 1 point per $1 spent on all other purchases

The card also includes a 6,000-point anniversary bonus and does not charge foreign transaction fees.

15) United Explorer

The United℠ Explorer Card is one of Chase’s co-branded United Airlines personal credit cards, designed for travelers who frequently fly with United.

Here’s how the card’s rewards structure breaks down:

• Earn up to 9 miles per $1 spent on eligible United flights
• Earn 3 miles per $1 spent on United purchases, dining, and hotel stays
• Earn 1 mile per $1 spent on all other purchases

Additional perks include a statement credit for Global Entry or TSA PreCheck application fees, free first checked bag for the cardholder and a companion on the same reservation, priority boarding, and two one-time United Club lounge passes each year.

There’s no annual fee for the first year. After that, the fee is $150.

16) United Club Infinite Card

The United Club℠ Infinite Card is the premium option in Chase’s lineup of United Airlines personal credit cards.

Here’s how the card’s rewards structure works:

• Earn up to 11 miles per $1 spent on eligible United flights (when combined with MileagePlus)
• Earn 5 miles per $1 spent on other United purchases
• Earn 2 miles per $1 spent on dining and other travel purchases
• Earn 1 mile per $1 on all other purchases

Additional perks include a complimentary United Club lounge membership, a statement credit for Global Entry or TSA PreCheck application fees, and free checked bags for the primary cardholder and companions on the same reservation.

17) British Airways Visa Signature

The British Airways Visa Signature Card earns rewards in Avios, a points currency used by British Airways and several partner airlines.

New cardholders may be eligible for a tiered welcome bonus after meeting specific spending thresholds.

Here’s how the card’s rewards structure breaks down:

• Earn 3 Avios per $1 spent on purchases with British Airways, Iberia, LEVEL, and Aer Lingus
• Earn 2 Avios per $1 spent on hotel accommodations booked directly with the hotel
• Earn 1 Avios per $1 spent on all other purchases

Additional benefits are available through oneworld, including priority check-in and lounge access.

18) Aer Lingus Visa Signature

The Aer Lingus Visa Signature Card has a similar Avios-earning structure to the British Airways Visa Signature Card. It follows a tiered rewards structure, with higher earnings on Aer Lingus and partner airline purchases.

The card does not charge foreign transaction fees and offers travel perks such as priority boarding on Aer Lingus flights. Cardholders who meet an annual spending threshold may qualify for a companion travel benefit on eligible Aer Lingus flights.

Overall, the card is similar to the British Airways version, with key differences in airline-specific perks and redemption options.

19) Iberia Visa Signature

The Iberia Visa Signature Card is part of Chase’s Avios-earning airline card lineup, alongside the British Airways and Aer Lingus cards.

It features a similar tiered rewards structure, with elevated earnings on Iberia and partner airline purchases. New cardholders may also be eligible for a welcome bonus after meeting a minimum spending requirement.

Cardholders who meet an annual spending threshold may qualify for a flight discount voucher on eligible Iberia bookings. The card may also offer discounts on Iberia flights when booking directly with the airline.

20) Marriott Bonvoy Boundless

The Marriott Bonvoy Boundless Credit Card is a mid-tier hotel rewards card for Marriott loyalists. The card has an annual fee of $95, and new cardholders may be eligible for a welcome bonus after meeting a minimum spending requirement.

Here’s how the card’s rewards structure breaks down:

• Earn up to 17 points per $1 spent at hotels participating in Marriott Bonvoy (combined with other offers)
• Earn 6 points per $1 spent at hotels participating in Marriott Bonvoy
• Earn 2 points per $1 spent on all other purchases

The card also includes an annual free night award (up to a set point value).

21) Marriott Bonvoy Bold

If you want to earn Marriott rewards without paying an annual fee, the Marriott Bonvoy Bold Credit Card is a solid entry-level option.

Despite having no annual fee, the card offers:

• Earn up to 14 points per $1 spent at hotels participating in Marriott Bonvoy (combined with other offers)
• Earn 3 points per $1 spent at hotels participating in Marriott Bonvoy
• Earn 2 points per $1 spent on grocery store purchases, rideshares, and food delivery
• Earn 2 points per $1 spent on select streaming, cable, internet, and phone services
• Earn 1 point per $1 spent on all other purchases

You’ll also get Automatic Silver Elite Status with Marriott Bonvoy.

22) World Of Hyatt Credit Card

The World of Hyatt Credit Card is a hotel rewards card designed for frequent Hyatt guests. New cardholders may be eligible for a welcome bonus after meeting a minimum spending requirement, and award nights can be redeemed starting at relatively low point levels depending on the property.

The card includes an annual free night certificate valid at select Hyatt properties. The card has an annual fee of $95 and does not charge foreign transaction fees.

Here’s how the card’s rewards structure breaks down:

• Earn 4 points per $1 spent at Hyatt hotels
• Earn 2 points per $1 spent on dining, airfare purchased directly with airlines, local transit and commuting, and fitness club and gym memberships
• Earn 1 point per $1 spent on all other purchases

23) Disney Premier Visa Card

The Disney Premier Visa Card is designed for Disney fans, offering rewards on everyday spending and Disney-related purchases. Rewards are earned in Disney Rewards Dollars.

Here’s how the card’s rewards structure breaks down:

• Earn 5% in Disney Rewards Dollars for purchases through DisneyPlus.com, Hulu.com or ESPNPlus.com
• Earn 2% in Disney Rewards Dollars at gas stations, grocery stores, restaurants, and most Disney locations
• Earn 1% in Disney Rewards Dollars on all other purchases

Disney Rewards Dollars can be redeemed for eligible Disney purchases, including theme park tickets, resorts, cruises, movies, and merchandise. Additional Disney-related perks may also be included.

An annual fee of $49 applies.

24) Disney Visa Card

The Disney Visa Card is the no-annual-fee counterpart to the Disney Premier Visa Card. It doesn’t have an annual fee, but rewards are limited to a flat 1% in Disney Rewards Dollars on purchases.

The card offers a similar set of Disney-related perks, though it does not include the elevated rewards rates found on the Premier version.

25) IHG One Rewards Premier

The IHG One Rewards Premier Credit Card is designed for travelers who frequently stay at IHG properties. The card includes automatic Platinum Elite status, which can boost rewards when booking directly with IHG.

Here’s how the card’s rewards structure breaks down:

• Earn up to 26 points on stays at IHG hotels (when combined with other offers)
• Earn 5 points per $1 spent on travel, dining, and gas stations
• Earn 3 points per $1 spent on all other purchases

Points can primarily be redeemed for hotel stays, though other redemption options may be available.

This card has an annual fee of $99.

26) IHG One Rewards Traveler

The IHG One Rewards Traveler Credit Card is a no-annual-fee option for travelers who stay at IHG properties.

The card earns rewards on IHG hotel stays, with additional points available through the IHG One Rewards loyalty program when booking directly with the brand.

Here’s how the card’s rewards structure breaks down:

• Earn up to 17 points on stays at IHG hotels (when combined with other offers)
• Earn 3 points per $1 spent on dining, utilities, select streaming services, and gas station purchases
• Earn 2 points per $1 spent on all other purchases

Outside of IHG-related benefits, the card offers a more limited rewards structure compared to premium options.

27) Prime Visa

The Prime Visa is a cash back card designed for frequent Amazon and Whole Foods shoppers. New cardholders may receive an Amazon gift card upon approval.

Here’s how the card’s rewards structure breaks down:

• Earn 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel (with an eligible Prime membership)
• Earn 2% cash back at gas stations, restaurants, and for local transit
• Earn 1% cash back on all other purchases

The card has no annual fee (though a Prime membership is required to earn the highest cash back rate) and does not charge foreign transaction fees.

Final Thoughts

There you have it — a summary of Chase’s current lineup of credit cards across personal and business categories.

One final note: be aware of Chase’s “5/24 rule.” While not officially published by Chase, it is a widely reported guideline. In general, applicants who have opened five or more credit cards (from any issuer) within the past 24 months may have difficulty being approved for certain Chase cards.

Some cards may be less consistently affected by this guideline, but eligibility can vary and is subject to change. As a result, it’s important to be strategic when applying for new credit cards, especially if you’re focused on maximizing rewards.

If you want to look beyond Chase, check out our list of the best business credit cards. If rewards are important, we have a guide with the top picks for reward cards, too.