Best Chase Credit Cards - Calculate Rewards & Compare

May 2022
Find out which Chase credit cards can earn you the most rewards and highest return on your spend. Compare results side by side and review the benefits to see which cards offer you the best value.
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Last Updated 2022-02-20

Chase is one of the top credit card issuers in the United States. They offer a wide range of credit cards which covers cash back, airline miles, hotel rewards points, and travel rewards points. Review the best Chase credit cards and calculate which cards can earn you the most rewards and best return on your spend.


Best For High Value
Chase Sapphire Reserve®
Chase Sapphire Reserve
Annual Fee: $550
50,000 Bonus Points
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Best For Flexible Travel Rewards
Chase Sapphire Preferred® Card
Chase Sapphire Preferred
Annual Fee: $95
80,000 Bonus Points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Best For Flat-Rate Cash Back & Bonus Cash Back
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Annual Fee: $0
Up To $300 Back
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!
Best For High Earnings On Rotating Categories
Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Annual Fee: $0
$250 Bonus
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
Best For Hyatt Travelers
Chase World of Hyatt Card
Chase World of Hyatt Card
Annual Fee: $95
Earn Up To 60,000 Bonus Points
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
Best For Marriott Travelers
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless Credit Card
Annual Fee: $95
3 Free Nights
Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
Best For United
Unitedâ„  Explorer Card
United Explorer Card
Annual Fee: $0 the first year, then $95
Up To 70,000 Bonus Miles
Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 10,000 miles after you spend $6,000 total on purchases in the first 6 months your account is open.
Best For Southwest
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards Priority Credit Card
Annual Fee: $149
40,000 Bonus Points
Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
Best For Travel & Business Purchases
Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred Credit Card
Annual Fee: $95
100,000 Bonus Points
Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
Best For Office Supply Stores & Utilities
Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee: $0
$750 Bonus Cash Back
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Best For Flat-Rate Business Cash Back
Chase Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee: $0
$750 Bonus Cash Back
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Chase offers some of the best credit cards in the market ranging from cash back credit cards to travel credit cards.

One of the best benefits of having a Chase credit card is that most of their cards offer exceptional travel insurance which can be a money saver in the event travel doesn't go as planned.

If you're looking for an excellent credit card for building rewards, we have you covered with this list of the best Chase credit cards.

This page details our top picks for the best Chase credit cards from our partners. You can use the calculator to estimate which Chase credit cards can earn you the best return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time.

You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.

Best For High Value

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Card Overview: If you're looking for elite travel perks and a fantastic return on your spend, you'll want to grab up the Chase Sapphire Reserve.

The card earns 10X Ultimate Rewards Points on Chase Dining purchases and both hotel and car rental purchases through Chase Ultimate Rewards, 5X on airline travel purchases through Chase Ultimate Rewards, 3X on dining and other travel purchases, and 1X on everything else.

It offers a 50% boost to the value of Ultimate Rewards Points when redeemed for travel through Chase Ultimate Rewards which means you'll be able to redeem your points for an easy 1.5 cents each.

On top of that, you can also transfer your points to Chase's airline and hotel partners for a chance at even greater value.

The Chase Sapphire Reserve comes stacked with many other benefits as well which includes $300 in annual travel credit, Priority Pass Select Membership, up to a $100 statement credit towards a Global Entry or TSA PreCheck application, and superb travel insurance.

Worth The Fee? The Chase Sapphire Reserve has an annual fee of $550.

While that is a hefty annual fee, the card offers $300 in annual travel credits which applies to any travel purchases, Priority Pass membership which grants you access to airport lounges worldwide, and a 50% boost to point value when redeeming Ultimate Rewards Points toward travel in the portal.

If you're a frequent traveler, it will be extremely easy to make up for the annual fee with the exceptional value this card offers.

Best For Flexible Travel Rewards

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Card Overview: The Chase Sapphire Preferred is the best credit card for anyone that is just starting out on understanding rewards points as well as one of the best credit cards for those who know how to navigate their way around the points game.

It earns 5X points on travel purchases through Chase Ultimate Rewards, 3X on online grocery purchases, select streaming services, and dining purchases, 2X on other travel purchases, and 1X on everything else.

The card offers a 25% boost to the value of Ultimate Rewards Points when redeemed for travel through Chase Ultimate Rewards which gives your points an easy value of 1.25 cents each. It also features an annual $50 hotel credit redeemable towards booking made through Chase Ultimate Rewards.

Ultimate Rewards Points can also be transferred to Chase's airline and hotel partners for a chance at even more value.

Like most Chase credit cards, it offers top-notch travel insurance which can save you money in the case things do not go as planned.

Worth The Fee? The Chase Sapphire Preferred is a great option if you're looking to build rewards towards travel. It's also considered one of the best cards if you're new to earn rewards points.

With only a $95 fee and the ability to earn a solid amount of points across several categories, the Chase Sapphire Preferred can easily be worth the annual fee.

If you really want to maximize you rewards, you can pair the card with Chase's no-annual fee cash back credit cards such as the Chase Freedom Flex℠ or Chase Freedom Unlimited®.

Since both of these cash back cards earn Ultimate Rewards Points (redeemable for cash back), you'll be able to take advantage of the 25% boost to point value and be able to transfer those points to partners due to having the Chase Sapphire Preferred (same goes for the Chase Sapphire Reserve and it's 50% boost).

Best For Flat-Rate Cash Back & Bonus Cash Back

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Card Overview: The Chase Freedom Unlimited is one of the best cash back credit cards in the market.

It earns 5% cash back on the Chase Travel Portal, 3% back on dining at restaurants and drugstore purchases, and 1.5% back on all other purchases ran through the card. These rewards are displayed as Ultimate Rewards Points that can be redeemed for cash back at a value of 1 cent each.

In addition to that, the card offers great travel insurance and has no annual fee.

Worth It? If you're looking to maximize your rewards with Chase, the Chase Freedom Unlimited is pretty much mandatory as it is the best card for miscellaneous purchases due to the 1.5% rate on non-category purchases.

Regardless of whether you're building rewards for cash back or travel with Chase, you'll want to make sure this is one of the cards in your wallet.

Best For High Earnings On Rotating Categories

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 

Card Overview: The Chase Freedom Flex card features quarterly rotating bonus categories.

You'll earn 5% cash back on up to $1,500 in quarterly spend between all featured categories. The card also earns an automatic 5% back on Chase Travel, 3% back on dining at restaurants and drugstore purchases, and 1% back on all other purchases.

As with other Chase cash back credit cards, rewards are displayed as Ultimate Rewards Points which can be redeemed for a value of 1 cent each towards cash back.

The card has no annual fee and comes with great travel insurance.

Worth It? The Chase Freedom Flex is another great Chase credit card that can be paired with just about any other Chase-branded credit card.

I highly recommend picking up the Chase Freedom Flex as it commonly features great cash back categories. With no annual fee, there's not really a downside to having the card.

Best For Hyatt Travelers

Chase World of Hyatt Card
Chase World of Hyatt Card

Card Overview: The Chase World of Hyatt Card is the best credit cards for spending at Hyatt and earning Hyatt Points.

It earns 4X points at Hyatt hotels, 2X at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships, and 1X on everything else.

The card offers a free night each year after your cardmember anniversary, complimentary World of Hyatt Discoverist status, 5 tier qualifying night credits towards status, and great travel insurance.

Worth The Fee? If you frequently visit Hyatt or you're looking to build your Hyatt Points, the Chase World of Hyatt Card is easily worth the $95 annual fee.

In fact, the free night offered annual on this card will typically be worth significantly more than the annual fee itself as it can be used at any Category 1 to 4 Hyatt hotel.

In addition to that, Hyatt Points have significantly high value so being able to earn 2X to 4X on purchases offers an extreme amount of value.

Best For Marriott Travelers

Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card

Card Overview: The Marriott Bonvoy Boundless Credit Card is the best entry level credit card for earning Marriott Bonvoy Points on your Marriott spend.

The card earns 6X at Marriott properties and 2X on all other purchases.

It offers a free night award annually valued up to 35,000 points, complimentary silver elite status, and 15 elite night credits towards achieving a higher status.

Worth The Fee? The annual fee for the Marriott Bonvoy Boundless Credit Card is $95 and that is easily covered by the free night offered annual on the card.

The free night can be used at any Marriott hotel that costs up to 35,000 points. Redeeming the certificate for more than $95 is quite easy to do as even Marriott's lowest categories of hotels will generally cost more than $95 per night.

Overall, this card is worth picking up if you're looking to maximize your points when spending with Marriott and you want a few additional benefits.

Best For United

Unitedâ„  Explorer Card
Unitedâ„  Explorer Card

Card Overview: The best entry level credit card for United is the United Explorer Card.

It earns 2X miles on hotel stays, on United purchases, and at restaurants. All other purchases on the card earns 1X miles.

The card offers a decent list of benefits which includes a free checked bag, priority boarding, United Club passes, up to $100 towards a Global Entry or TSA PreCheck credit, travel insurance, and more.

Worth The Fee? The annual fee for the United Explorer Card is $0 the first year, then $95 annually thereafter.

If you typically pay for bags with United or make frequent purchases in-flight, the United Explorer Card will offer you much more value that the annual fee of the card.

Best For Southwest

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card

Card Overview: The Southwest Rapid Rewards Priority Credit Card is a great option if you're looking for some great benefits with Southwest Airlines.

The card earns 3X on dining (including takeout and eligible delivery services) the first year, 2X on Southwest purchases, and 1X on all other purchases.

It offers a handful of benefits which includes an annual $75 travel credit, 4 upgraded boardings annually, 7,500 anniversary points annually, and more.

Worth The Fee? The Southwest Rapid Rewards Priority Credit Card has an annual fee of $149 per year.

This is easily covered by the $75 in annual travel credit and 7,500 anniversary points offered annually.

On top of that, the card offers 4 booking upgrades which adds additional value to the card.

If you're big on in-flight purchases, the 20% discount can also help make up for the annual fee.

Overall, I think the card is worth picking up if you frequently fly Southwest and you can make use of the benefits offered on the card.

Best For Travel & Business Purchases

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred® Credit Card

Card Overview: The Chase Ink Business Preferred Credit Card is one of the best business credit cards available due to it's high returns across several top business categories.

It earns 3X points on up to $150,000 in combined annual spend on travel, shipping, internet, cable, phone, and advertising purchases and 1X points on everything else.

The card grants a 25% boost to the value of Ultimate Rewards Points redeemed through Chase Travel which gives your points an easy value of 1.25 cents each. It also offers great travel insurance.

Worth The Fee? If you're looking to build valuable rewards towards travel, the Chase Ink Business Preferred Credit Card is worth having. The $95 annual fee can easily be covered if your business frequently spends across the 3X categories featured on the card.

Best For Office Supply Stores & Utilities

Chase Ink Business Cash® Credit Card
Chase Ink Business Cash® Credit Card

Card Overview: The Chase Ink Business Cash Credit Card earns a whopping 5% cash back on up to $25,000 in combined spend at office supply stores and on internet, cable, and phone services, 2% cash back on up to $25,000 in combined spend between gas station and restaurant purchases, and 1% back on everything else.

The card earn Ultimate Rewards Points which can be redeemed for a value of 1 cent each for cash back.

It has no annual fee and typically offers a 0% introductory APR for 12 months on purchases which is great for a business card.

Worth It? If you or your business runs heavy spend across the 5% cash back categories featured on this card, I recommend picking up the Chase Ink Business Cash Credit Card. It can provide significant value and is one of the best cash back business cards on the market.

You can pair this card with an Ultimate Rewards credit card such as the Chase Ink Business Preferred Credit Card to partake in the point value boost and the ability to transfer points to partners.

Best For Flat-Rate Business Cash Back

Chase Ink Business Unlimited® Credit Card
Chase Ink Business Unlimited® Credit Card

Card Overview: If you're looking for a great flat-rate cash back business card, the Chase Ink Business Unlimited® Credit Card is the way to go.

It earns an unlimited 1.5% cash back on all purchases ran through the card. Rewards are displayed as Ultimate Rewards Points which can be redeemed for 1 cent each towards cash back.

Worth It? The Chase Ink Business Unlimited® Credit Card works best when paired with other Chase credit cards. Since it earns 1.5% on all purchases which is more than the 1% or 1X offered on all other Chase-branded credit cards, this is the best option for miscellaneous purchases.

It's also a solid option if you don't want to worry about bonus categories or transferring rewards points as you can easily redeem points for simple, straightforward cash back.

Best Chase Credit Cards Summary

Credit Card Best For Annual Fee
Chase Sapphire Reserve® High Value $550
Chase Sapphire Preferred® Card Flexible Travel Rewards $95
Chase Freedom Unlimited® Flat-Rate Cash Back & Bonus Cash Back $0
Chase Freedom Flexâ„  High Earnings On Rotating Categories $0
Chase World of Hyatt Card Hyatt Travelers $95
Marriott Bonvoy Boundless® Credit Card Marriott Travelers $95
Unitedâ„  Explorer Card United Travelers $0 the first year, then $95
Southwest Rapid Rewards® Priority Credit Card Southwest Travelers $149
Chase Ink Business Preferred® Credit Card Travel & Business Purchases $95
Chase Ink Business Cash® Credit Card Office Supply Stores & Utilities $0
Chase Ink Business Unlimited® Credit Card Flat-Rate Business Cash Back $0

Calculate Chase Credit Card Rewards

Use the rewards calculator to get an idea of which Chase credit cards will offer you the most rewards based on your spend.

Results will consist of top-rated Chase credit cards from our partners. They will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees.

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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

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