Sign up for your free Credit.com account    Sign Up Now

The Best Chase Credit Cards of 2017

Advertiser Disclosure

chase credit card

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Perhaps you’ve heard of JPMorgan Chase. With over $1.6 trillion in domestic assets and nearly 5,400 U.S. branches as of September 2016, it’s currently the largest bank in our nation. And as our largest bank, it certainly touts some of the best credit card offers out there. Of course, what card you should apply for — no matter the issuer — hinges on your spending habits and your credit score. It’s also tremendously important to read all the fine print to determine if a piece of plastic is indeed right for you.

How to Get a Chase Credit Card

Practically all Chase credit cards require good credit, so it’s a good idea to see where you stand before you go ahead and apply for one. (You can do so by viewing two of your credit scores for free on Credit.com.) If your credit is in rough shape, you may want to try improving your scores before hitting “send” on that application. You can generally raise your scores by paying down existing credit card debts, disputing errors on your credit reports and limiting new credit inquiries.

While we’re on the subject of inquiries, you may want to wait for a few to age off your credit report (assuming you have a few) before applying for a Chase credit card. The issuer told Credit.com in 2016 that multiple card applications in a short period of time can make it more difficult to qualify for its products.

With that in mind, here are our picks for the best Chase credit cards, based off of value, usefulness and flexibility.

Our Picks for the Best Chase Credit Cards

Chase Freedom Unlimited

Chase Freedom Unlimited®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
15.99% - 24.74% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Card Details +

Why We Picked It: As a general purpose rewards credit card geared toward everyday people, its program is appealingly straightforward — and competitive.

Rewards Details: Cardholders earn an unlimited 1.5% cash back on all purchases, no caps, no expiration dates. They can also get a $150 signup bonus when they spend $500 in their first three months as an account holder.

Annual Fee: None

APR: Variable 15.99% to 24.74%, once the 0% introductory APR, good for 15 months, expires.

Alternative: Chase’s original Freedom credit card could prove more lucrative, depending on how you spend and how much attention you like to pay to the cards you’re using at any given time. The standard Freedom offers 5% cash back on up to $1,500 in purchases in revolving quarterly categories (like gas, restaurants or department stores) and unlimited 1% cash back everywhere else. All other major terms, including the $0 annual fee and signup bonus, are identical to the Unlimited card.  

Chase Sapphire Reserve

chase-sapphire-reserve

Why We Picked It: This is one of the best because of the signup bonus. Cardholders can earn 50,000 points (the equivalent of $750 if you redeem through Chase’s Ultimate Rewards travel portal) if they spend $4,000 in the first three months of opening an account.

Rewards Details: Cardholders earn three points per dollar on travel and dining purchases, and one point per dollar everywhere else. Points are worth 1.5 cents apiece when you redeem them through Ultimate Rewards. The card also comes with a $300 annual travel credit, airport lounge access, no foreign transaction fees and Visa Concierge benefits.   

Annual Fee: $450

APR: Variable 16.99% to 23.99%

Alternative: Signup bonus aside, a $450 annual fee can be a big pill to swallow. And if you don’t spend or travel enough, it really might not be worth it. Less frequent fliers can consider the Chase Sapphire Preferred, another Visa-backed card that offers lower but still lucrative rewards — two points per dollar back on travel and dining purchases and 50,000 points (the equivalent of $625) when you spend $4,000 within your first three months as an account holder in exchange for a $95 annual fee, waived the first year.

Chase Slate

Chase Slate®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
15.99% - 24.74% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Card Details +

Why We Picked It: This one made the list because it’s arguably the best balance transfer credit card on the market.

Offer Details: Cardholders can take advantage of a 0% introductory APR on purchases and balance transfers for their first 15 months as account holders. There are longer introductory financing offers out there for sure, but the kicker with Chase Slate is that you can skip the balance transfer fee if you move a balance within the first 60 days of opening the account. (After that, you’ll pay $5 or 5% of the transferred balance, whichever is greater.)

Annual Fee: None

APR: 0% for 15 months, followed by a variable 15.99% to 24.74%, once the introductory APR expires.

Alternative: If you need a bigger window to pay off a debt, you may want to consider Citi Simplicity, which offers a 0% introductory APR for 21 months alongside a balance transfer fee of $5 or 3%, whichever is greater. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

At publishing time, the Chase Freedom Unlimited, Chase Slate, Chase Sapphire Preferred and Citi Simplicity are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

This article last updated September 12th, 2017.  It was originally published Nov. 18, 2016.


Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.


Sign up for your free Credit.com account. Learn More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.