A Complete Guide To Chase Business & Personal Credit Cards
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 has 30 credit cards on offer. That’s a lot of credit cards!
Wouldn’t it be convenient if somebody were to gather pertinent information on every Chase credit card, compile that information into an article, then present it to you via the internet? Well, fret not, for that day has arrived. We’ve written up a rundown of every Chase credit card and what each one has to offer you. Plenty of these cards take advantage of Chase Ultimate Rewards, the bank’s exclusive credit card rewards program.
(For a look at today’s top business credit cards from Chase and other credit card companies, check out our piece on the top business credit cards.)
|Chase Credit Card||Details|
|Chase Ink Business Preferred||Business card for earning points|
|Chase Ink Business Cash||Business card for earning cash back|
|Chase Ink Business Unlimited||Business card for flat-rate cash back|
|United Business||Business card for United travel|
|Southwest Rapid Rewards Performance Business||Business card to earn 3x points on Southwest travel|
|Southwest Rapid Rewards Premier Business||Business card to earn 2x points on Southwest travel|
|Chase Freedom||Personal cash back card with a 15-month 0% intro APR|
|Chase Freedom Unlimited||Flat-rate cash back card with a 15-month 0% intro APR|
|Chase Sapphire Preferred||Flexible travel rewards card|
|Chase Sapphire Reserve||High-end travel rewards card|
|Chase Slate||No annual fee card for credit building|
|Southwest Rapid Rewards Priority||High-end Southwest travel card|
|Southwest Rapid Rewards Plus||Southwest travel card|
|Southwest Rapid Rewards Premier||Southwest travel card with an anniversary points bonus|
|United Explorer||United Airlines travel rewards card|
|United TravelBank||United travel rewards card with no annual fee|
|United Club Infinite Card||Expensive travel card with high-end perks|
|British Airways Visa Signature||British Airways loyalty card with a large welcome offer|
|Aer Lingus Visa Signature||Aer Lingus travel rewards card with transferable rewards|
|Iberia Visa Signature||High points-earning travel card|
|Marriott Bonvoy Boundless||Marriot Bonvoy loyalty card with elite rewards|
|Marriott Bonvoy Bold||No annual fee loyalty card for Marriott Bonvoy|
|The World Of Hyatt||Hyatt loyalty card with elite rewards|
|Disney Premier Visa||Card for earning Disney Rewards Dollars|
|Disney Visa||Card for earning Disney Rewards Dollars with no annual fee|
|IHG Rewards Club Premier||Card for earning 10x points at IHG properties|
|IHG Rewards Club Traveler||No annual fee loyalty card for IHG Rewards Club|
|Starbucks Rewards Visa||Card for earning Starbucks Stars|
|Amazon Prime Rewards Visa Signature||5% Amazon rewards for Amazon Prime members|
|AARP Credit Card From Chase||Cash back card with no annual fee|
Table of Contents
Business Credit Cards Offered By Chase
Chase offers six different business credit cards. Here’s a look at some of these cards’ highlights:
1) Chase Ink Business Preferred
Chase Ink Business Preferred
15.99% – 20.99% (variable)
The Chase Ink Business Preferred card is a great card for business owners looking to get rewarded for their travel purchases. The Ink Business Preferred will see you earning three points for every $1 spent on the first $150,000 in combined purchases on travel and select business categories each year.
The Ink Business Preferred also offers an exceptional welcome offer. You’ll get 100,000 points after you spend $15,000 on purchases in your first three months of card use, which equates to $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards.
It’s the most “high-end” of the three business credit cards Chase currently offers (not counting the co-branded cards). Unfortunately, this means that, unlike the others, this card carries a $95 annual fee.
2) Chase Ink Business Cash
Chase Ink Business Cash
13.24% - 19.24% (variable)
With no annual fee, the Chase Ink Business Cash card is all about — quelle surprise! — the cash back.
Here’s the card’s cash back structure:
- Earn 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable, and phone services
- 2% cash back on the first $25,000 spent per year in combined purchases at gas stations and restaurants
- 1% unlimited cash back on all other purchases
3) Chase Ink Business Unlimited
Chase Ink Business Unlimited
13.24% – 19.24%, Variable
Chase Ink Business Unlimited is a cash back business card for business owners who would rather not have to worry about which purchases will earn more points than other purchases. The card gives you a flat 1.5% cash back on all purchases with no limit to the number of points you can earn per year. Nice and simple.
As with Ink Business Cash, there’s no annual fee. And like the Ink Business Cash (but unlike the Preferred card), the Ink Business Unlimited offers a 0% intro APR on purchases for 12 months.
Now, let’s check out Chase’s partner business cards.
4) United Business Card
This card is designed to reward the business traveler who flies United. A welcome offer of 100,000 miles awaits you if you spend $10K on purchases in the first three months.
You’ll earn two miles per dollar spent on all United purchases and on local transit and commuting as well as at gas stations, office supply stores, and restaurants (one mile per dollar on all other purchases). You’ll also get such perks as a free checked bag (up to a $120 value per round trip), two one-time United Club passes each year, and priority boarding for you and any companions on the same reservation.
As one last note, the card carries a $99 annual fee.
5) Southwest Rapid Rewards Performance Business Credit Card
If your business has you frequently flying with Southwest Airlines (and only Southwest — Southwest has no airline partners), Chase’s Southwest Rapid Rewards Performance Business card may intrigue you.
This card has a two-tier welcome offer that can net you up to 100,000 points (70K after you spend $5,000 in purchases after the first three months and then an additional 30K if you break $25,000 spent within the first six months). For the card’s base rewards, here’s what you’ll be looking at:
- Three points per $1 spent on Southwest purchases
- Two points per $1 spent on social media and search engine advertising as well as internet, cable, and phone services
- One point per $1 spent on everything else
On your account anniversary, you’ll collect an additional 9,000 bonus points.
These solid rewards do come with a catch, though. Chase and Southwest have designed this card to carry a hefty $199 annual fee.
6) Southwest Rapid Rewards Premier Business Credit Card
Should you still be a Southwest frequent flyer, but don’t want to shell out for the Performance card, Chase has another business option with the Southwest Rapid Rewards Premier card.
You’ll get a hefty welcome offer: 60,000 points after you spend $3,000 on purchases in the first three months. For the base rewards rate, you’ll get:
- Two points per $1 spent on Southwest purchases
- One point per $1 spent on everything else
The card also includes a 6,000-point anniversary bonus, but do keep in mind its $99 annual fee.
Personal Credit Cards Offered By Chase
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
Not Yet Rated
The Chase Freedom card is a simple personal credit card with no annual fee, a 15-month 0% intro APR period on purchases and balance transfers, and rotating rewards categories.
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories per quarter. The bonus categories change quarterly. You’ll earn 1% cash back on all other purchases.
8) Chase Freedom Unlimited
Chase Freedom Unlimited
16.49% – 25.24% (variable)
The Chase Freedom Unlimited card resembles the Chase Freedom card in almost every way — same lack of an annual fee, same 15-month 0% APR period, same welcome offer ($200 after you spend $500 on purchases in your first three months). The one real difference lies in how you accumulate cash back.
Instead of having to worry about rotating 5% cash back categories, the Freedom Unlimited offers a flat 1.5% cash back on every purchase.
9) Chase Sapphire Preferred
Chase Sapphire Preferred
15.99% – 22.99% (variable)
Chase Sapphire Preferred is a personal travel rewards card from Chase. You’ll get two points for every dollar spent on travel and dining and one point per dollar on everything else.
When you redeem your points for Ultimate Rewards portal purchases, your points will be worth 1.25 cents apiece. The card carries a $95 annual fee, which gets waived for the first year.
10) Chase Sapphire Reserve
Chase Sapphire Reserve
16.99% – 23.99% (variable)
Want a high-end travel card with great perks and high points-earning potential? Don’t mind paying a huge annual fee of $550 a year? Chase’s exclusive Sapphire Reserve may be right up your alley.
With the Sapphire Reserve, not only will you earn three points per dollar spent on travel and dining (as opposed to two with the Sapphire Preferred), but your point value (when redeemed through the Ultimate Rewards portal) will be 1.5 cents apiece. Plus, you’ll get some great luxury perks, such as a $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck, and Priority Pass Select lounge access.
11) Chase Slate
16.49% – 25.24% (variable)
The Chase Slate card is unlike most of the cards in Chase’s portfolio in that its purpose is to help you build your credit and get out of debt. There’s no welcome offer and no rewards to earn. It’s not an exciting card, but it is a utilitarian one.
The Chase Slate card charges no fee for balances transferred to it within 60 days of opening your account. Combine that with an intro 0% APR period of 15 months, no annual fee, and free access to your FICO score, and you’ve got a card that helps smooth out your finances.
Chase currently offers 19 partner cards in the personal credit card bracket — mostly of the travel rewards variety. Let’s do a quick rundown of each of them.
12) Southwest Rapid Rewards Priority
If you don’t mind a $149 annual fee, Chase’s Southwest Rapid Rewards Priority card will deliver you more benefits than any other Southwest-branded personal card.
You’ll get two points per dollar spent on Southwest purchases and one point per dollar on everything else. But that’s just the beginning. You’ll also get the following:
- 7,500-point anniversary bonus each year
- $75 annual Southwest travel credit
- Four upgraded boardings per year
- A host of retail and travel protections
13) Southwest Rapid Rewards Plus
The Southwest Rapid Rewards Plus card is the less-exclusive sibling of the Rapid Rewards Priority card. The annual fee is a more reasonable $69, and you’ll get some nice rewards, even if they don’t rise to the level of the Priority card’s rewards.
Just as with the Priority card, you’ll get two points per dollar spent on Southwest purchases and one point per dollar on everything else. You’ll also get an anniversary bonus of 3,000 points and other travel benefits. Unfortunately, there is a 3% foreign transaction fee.
14) Southwest Rapid Rewards Premier
The Southwest Rapid Rewards Premier rounds out Southwest’s three co-branded Chase personal travel cards. The Premier card has a $99 annual fee, right between that of the Plus and the Priority card. Call it the middle child of the Chase Southwest personal cards.
The base points-earning structure is the same as that of the other two Southwest personal cards. Along with that, you’ll get a 6,000-point anniversary bonus each year, and you won’t have to worry about any foreign transaction fees.
15) United Explorer
The United Explorer card is one of United’s three co-branded Chase personal credit cards. Naturally, they reward traveling with United Airlines.
The United Explorer card carries an annual fee of $95 after an initial free first year. Use of the card will net you two miles per $1 spent on purchases from United and restaurants and hotel stays, and one mile per $1 spent on everything else. You’ll also get:
- $100 Global Entry or TSA PreCheck fee credit
- 25% back on United inflight purchases
- Check your first bag for free
- Priority boarding privileges
- Two one-time United Club passes each year on your card anniversary
16) United TravelBank
The United TravelBank card carries no annual fee and will see you earning cash back instead of any United miles. You’ll earn 2% cash back on all United purchases and 1.5% back on all other purchases.
Other United TravelBank benefits include 25% back on United inflight purchases, no foreign transaction fee, and travel coverage.
17) United Club Infinite Card
The United Club card is the luxury card of the Chase United personal credit card triumvirate. Accordingly, the annual fee is a steep $525 per year.
This card, launched in March 2020, gives you all the goodies:
- 100,000-mile welcome offer after you spend $5K in the first three months (offer ends May 18, 2020)
- Earn four miles per dollar on United spending, two miles per dollar on dining/other travel, and one mile per dollar on all other purchases
- United Club membership (up to a $650 annual value)
- Up to $100 Global Entry or TSA PreCheck fee credit
- Two bags checked for free
- 25% off inflight purchases
- No blackout dates
- No foreign transaction fee
18) British Airways Visa Signature
The British Airways Visa Signature card uses Avios reward points (Avios being a currency shared by British Airways and several other airlines).
You can earn up to 100,000 Avios in your first year (50,000 after spending $3K in your first three months and an additional 50,000 after spending $20K in your first year). You’ll also earn three Avios per $1 spent on British Airways, Iberia and Aer Lingus purchases, two Avios per dollar on hotel rooms booked directly with the hotel, and one Avios per dollar spent on everything else. What’s more, if you make $30,000 in purchases on your card in a calendar year, you’ll earn a Travel Together Ticket, which is good for two years.
The British Airways Visa Signature card carries a $95 annual fee but has no foreign transaction fee.
19) Aer Lingus Visa Signature
For an annual fee of $95, the Aer Lingus Visa Signature card has the same Avios-earning structure as the British Airways Visa Signature card. It features the same three-two-one Avios rewards scheme along with the same 100,000 Avios bonus.
The card carries no foreign transaction fee, gives you priority boarding on Aer Lingus flights (the one real difference with the BA card, which gives you priority on BA flights), and a free economy ticket that’s good for 12 months after you spend $30K in a calendar year. It’s mostly the same as the British Airways Visa Signature card (except for the branding).
20) Iberia Visa Signature
The Iberia Visa Signature card is essentially the same credit card as the two co-branded airline cards above.
The card currently has the same base rewards scheme and the same welcome offer of up to 100,000 bonus Avios. Differences, however, include a $1,000 discount voucher to use towards two tickets on the same flight each year you spend $30,000 or more on the card. You can also get a 10% discount on Iberia flights.
21) Marriott Bonvoy Boundless
The Marriott Bonvoy Boundless card is Chase’s premium credit card for the hospitality brand.
Some key notes and features:
- $95 annual fee
- 75,000 bonus points if you spend $3,000 in the first three months
- Earn six points per dollar at hotels participating in Marriott Bonvoy
- Earn two points per dollar on all other purchases
- Annual free night’s stay in a hotel up to 35,000 points
22) Marriott Bonvoy Bold
Don’t want to shell out for an annual fee but frequent Marriott Bonvoy-eligible hotels? Then the Marriott Bonvoy Bold may be for you.
All while lacking an annual fee, this card packs in:
- 30,000 bonus points if you spend $1,000 in the first three months
- 3x points at hotels participating in Marriott Bonvoy
- 2x points everywhere else
- 15 elite night credits annually
23) The World Of Hyatt
The awkwardly-named The World Of Hyatt card is a hotel travel rewards card, largely similar to the Marriott Bonvoy Boundless. There’s a welcome offer of up to 50,000 points, with free nights starting at 5,000 points. The best perk is you’ll get a free night certificate each anniversary year, good for a Category 1-4 Hyatt room.
The card carries a $95 annual fee and no foreign transaction fee. For base rewards, you’ll snag four points per dollar spent at all Hyatt Hotels and two points per dollar on dining, airfare directly from the airline, local transit and commuting, and fitness/gym memberships. Everything else gets the standard one point per $1.
24) Disney Premier Visa
For an annual fee of $49, the Disney Premier Visa is a card for all you Disney super fans reading this. Your rewards come in the form of Disney Reward Dollars.
You’ll earn 2% at gas stations, grocery stores, restaurants, and most Disney locations, and 1% on all other purchases. Your Disney Reward Dollars can be redeemed toward Disney theme park visits, Disney cruises, Disney/Star Wars movies, and shopping at the Disney store. Plenty of other Disney-related perks come with the card as well.
25) Disney Visa
The Disney Visa is the down-market version of the Disney Premier Visa. There’s no annual fee, but you’ll only earn 1% Disney Reward Dollars back with your purchases — a pretty meager rewards rate.
Most of the perks of the Disney Premier Visa apply to the Disney Visa.
26) IHG Rewards Club Premier Credit Card
The IHG Rewards Club Premier card is a card for people who frequent IHG hotels. For an $89 annual fee, you’ll earn a whopping 10 points per dollar spent at IHG hotels (plus automatic Platinum Elite Status enrollment in the IHG Rewards Club for another 15 points per dollar). That’s a pretty impressive earning rate. However, you can’t do much with your points besides redeem them for IHG hotel stays.
27) IHG Rewards Club Traveler Credit Card
Chase markets this $0 annual fee card for the IHG Rewards Club as a “Performance” credit card. This card earns you five points per dollar for IHG hotel stays, plus 10 points per dollar for being an IHG Rewards Club member. Besides the IHG perks, this card is otherwise a pretty lackluster offering.
28) Starbucks Rewards Visa
Finally, a credit card for the Starbucks fans out there. Starbucks rewards come in the form of Stars, the value of which can vary based on what Starbucks item you redeem them for, though it generally comes out to about 4 cents apiece.
As a welcome offer, you’ll get 6,500 Stars after you spend $500 on purchases in the first three months. You’ll also get a Star for every dollar you put onto your Starbucks card using your Starbucks Reward Visa and two Stars for every dollar you spend using your Starbucks card, meaning you could earn three Stars for every dollar you spend at Starbucks, assuming you literally play your cards right.
Grocery stores, local transit/commuting, and internet/cable/phone services pick up one Star for every $2 you spend. For all other purchases on your Starbucks Visa, you’ll earn a Star for every $4 you spend.
29) Amazon Prime Rewards Visa Signature
The Amazon Prime Rewards Visa Signature is a nice cash back card. You’ll get an Amazon gift card upon being approved, and you’ll earn 5% cash back on Amazon and Whole Foods purchases, 2% cash back at gas stations, restaurants, and drugstores, and 1% cash back on all other purchases.
There’s no annual fee (although it does require an Amazon Prime account to take full advantage of the top-tier cash back rate) and no foreign transaction fee.
30) AARP Credit Card From Chase
The AARP Credit Card from Chase is a decent — if boring — cash back credit card. You don’t even need to be an AARP member to get one.
Earn 3% cash back on restaurant and gas station purchases and 1% everywhere else. For a card with no annual fee, the 3% cash back that you’ll get in the aforementioned categories is pretty generous. There’s also a $100 cash back bonus if you spend $500 on the card in the first three months.
There you have it — a summary of every credit card Chase currently has to offer. All 30 of them!
One last thought: be wary of Chase’s 5/24 rule. It’s not an explicit policy, but more of an unwritten rule, and therefore, precise details are hard to come by. Generally, though, if you have opened five or more credit cards (any credit card, not just Chase cards) over the previous 24 months, Chase will not issue you the card you’re applying for.
Now, there are some Chase cards that are exempt from this rule, but this group of cards has been shrinking rapidly and changes frequently, so I can’t give you a definitive list of Chase cards exempt from the 5/24 rule. Just be aware that you can’t take out an unlimited number of Chase cards to game the rewards system, nor is it recommended. Instead, you’ll have to be more strategic if you’re a rewards-hunter.
For more credit card-related information, check out the links below.