Calculate Which Chase Cards Earn You The Most Rewards

Best Chase Credit Cards - October 2021
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.
Last Updated 2021-09-15

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 Chase Credit Cards

Best Travel Credit Cards
Chase Sapphire Reserve®
Best Overall Travel Card For High Value
Chase Sapphire Preferred®
Best Beginner Rewards Card For Travelers
Best Cash Back Credit Cards
Chase Freedom Unlimited®
Best For Flat-Rate Cash Back & Bonus Cash Back
Chase Freedom Flexâ„ 
Best For High Earnings On Rotating Categories
Best Hotel Credit Cards
Chase World of Hyatt Card
Best For Hyatt Spending
Best Airline Credit Cards
Unitedâ„  Explorer Card
Best Entry-Level Card For United
Best Business Credit Cards
Chase Ink Business Preferred® Credit Card
Best For Travel & Business Purchases
Chase Ink Business Cash® Credit Card
Best For Office Supply Stores & Utilities

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 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 Overall Travel Card 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.

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
10X
Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5X
Earn 5X total points on air travel through Chase Ultimate Rewards®.
3X
Earn 3X points on other travel and dining.
1X
Earn 1 point per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%

Best Beginner Rewards Card For Travelers

Chase Sapphire Preferred®
Chase Sapphire Preferred®

Card Overview: The Chase Sapphire Preferred is the best credit card for anyone that is just starting out on understanding rewards points. It's also a great card if the Chase Sapphire Reserve doesn't quite fit your preferences.

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).

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 1X points per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

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.

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Main Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

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.

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1%
Earn 1% on all other purchases.
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Hyatt Spending

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.

Chase World of Hyatt Card
Chase World of Hyatt Card
Intro Bonus
Earn up to 60,000 bonus points.
Rewards Rate
4X
Earn 4 bonus Hyatt Points per $1 spent at Hyatt Hotels
2X
Earn 2 bonus Hyatt Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
1X
Earn 1 bonus Hyatt Point per $1 spent on all other purchases
Main Card Highlights
  • 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
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Marriott Spending

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.

Marriott Bonvoy Boundless™ Credit Card
Marriott Bonvoy Boundless Credit Card
Intro Bonus
Earn 125,000 Bonus Points and 1 Free Night Award after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards Rate
6X
Earn 6X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™
2X
Earn 2X Bonvoy points for every $1 spent on all other purchases.
Main Card Highlights
  • For a Limited Time Only! Earn 125,000 Bonus Points and 1 Free Night Award after you spend $5,000 on purchases in the first 3 months from account opening.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™ thanks to complimentary elite status.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Entry-Level Card 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.

Unitedâ„  Explorer Card
United Explorer Card
Intro Bonus
Earn 40,000 bonus miles
Rewards Rate
2X
Earn 2 miles per $1 spent on hotel stays and United purchases
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services
1X
Earn 1 mile per $1 spent on all other purchases
Main Card Highlights
  • Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95
  • Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
  • Up to $100 Global Entry or TSA PreCheck® fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Clubâ„  with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on dining including eligible delivery services
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Card For Southwest Benefits

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.

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards Priority Credit Card
Intro Bonus
Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
Rewards Rate
3X
Earn 3X points on Southwest® purchases.
2X
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, phone services, and select streaming.
1X
Earn 1 point per $1 spent on all other purchases.
Main Card Highlights
  • Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings every year when available.
  • Earn 1,500 tier qualifying points towards A-List status for every $10,000 spent-with no limit on the amount of TQPs you can earn.
  • 25% back on inflight purchases.
  • 7,500 bonus points after your Cardmember anniversary each year.
  • All points earned count towards Companion Pass®.
Annual Fee
$149
Authorized User Fee
$0
Foreign Transaction Fee
0%

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.

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred Credit Card
Intro Bonus
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®
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

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.

Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Flat-Rate 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.

Chase Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best Chase Credit Cards Summary

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

Find The Best Chase Credit Card For You

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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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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