Chase is one of the top credit card issuers in the United States. They offer a wide range of credit cards that covers the categories of cash back, airline, hotel, and travel rewards.
Review our picks for best Chase credit card or use our Chase Rewards Calculator to determine which cards will earn you the most rewards based on the spend amounts you enter into the tool.
Best Chase Credit Cards
- Chase Sapphire Preferred® Card: Best for flexible travel rewards.
- Chase Freedom Unlimited®: Best for flat-rate cash back & bonus cash back.
- Chase Freedom Flexâ„ : Best for high earnings on rotating categories.
- Chase Sapphire Reserve®: Best for high value and travel benefits.
- Chase World of Hyatt Card: Best for Hyatt travelers.
- Marriott Bonvoy Boundless® Credit Card: Best for Marriott travelers.
- Unitedâ„ Explorer Card: Best for United travelers.
- Southwest Rapid Rewards® Priority Credit Card: Best for Southwest travelers.
- Chase Ink Business Preferred® Credit Card: Best for travel & business purchases.
- Chase Ink Business Cash® Credit Card: Best for office supply stores & utilities.
- Chase Ink Business Unlimited® Credit Card: Best business card for flat-rate cash back.
Chase Sapphire Preferred® Card
- Earning Rate: Earn 5X Ultimate Rewards points on travel purchases through Chase Ultimate Rewards, 3X on dining, online grocery purchases, and select streaming services, 2X on other travel purchases, and 1X on everything else.
- Annual Credits: $50 credit towards hotels booked through Chase Ultimate Rewards portal.
- Main Highlights: 10% bonus points annually based on how much you spent the prior cardmember year and a 25% boost to point value when redeemed for travel through Chase Ultimate Rewards.
- 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®.
- Annual Fee: $95.
- Summary: The Chase Sapphire Preferred is one of the best flexible travel rewards credit cards available. It earns points at an excellent rate and offers an easy way to redeem them for 1.25 cents each. You can also transfer them to a handful of partners for even higher value including United, Southwest, and Hyatt.
- Learn More about the Chase Sapphire Preferred.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Chase Sapphire Preferred.
Chase Freedom Unlimited®

- Earning Rate: Earn 5% back on travel booked through Chase Ultimate Rewards, 3% back on drugstore and dining at restaurants, and 1.5% back on everything else.
- Main Highlights: Great return on general spending at no annual fee.
- Intro Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- Annual Fee: $0.
- Summary: It's already a fantastic cash back card due to the 1.5% back it earns on all general purchases, but it can be paired with the Chase Sapphire Preferred® or Chase Sapphire Reserve® for even more value towards travel. Assuming you redeem points at a minimum of 1.25 - 1.5 cents each with the Sapphire Cards, the 1.5X points earned with the Freedom Unlimited will give you a wonderful 1.875% - 2.25% return.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Chase Freedom Unlimited.
- This card is unavailable through The Point Calculator.
Chase Freedom Flexâ„

- Earning Rate: Earn 5% back on up to $1,500 in quarterly spend between featured rotating categories along with 5% on Chase Travel, 3% back on drugstore and dining at restaurants, and 1% back on everything else.
- Main Highlights: Quarterly rotating categories at no annual fee.
- Intro Bonus: Earn $200 cash back after you spend $500 on the card within the first 3 months from account opening.
- Annual Fee: $0.
- Summary: Chase typically features great categories every year and earning 5% back at no annual fee is a fantastic deal. As with all Chase cash back cards, you can pair it with the Sapphire cards to increase the value of points on travel redemptions which will generate very high returns.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Chase Freedom Flex.
- This card is unavailable through The Point Calculator.
Chase Sapphire Reserve®
- Earning Rate: Earn 10X points on Chase Dining and both hotel and car rental purchases through Chase Ultimate Rewards, 5X on airfare through Chase Ultimate Rewards, 3X on dining and other travel purchases, and 1X on everything else.
- Annual Credits: $300 travel credit.
- Main Highlights: Priority Pass Select membership, up to $100 towards a Global Entry or TSA PreCheck application, top-notch travel insurance, and a 50% boost to point value on travel redemptions made through Chase Ultimate Rewards.
- 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®.
- Annual Fee: $550.
- Summary: The card has a high annual fee, but it offers great benefits and significant value. Points can easily be redeemed through Chase Travel for 1.5 cents each or be transferred to airline and hotel partners. If you plan on booking through Chase Travel, the 5X to 10X earning rates will offer a superb return. Be sure to pair it with the Chase Freedom Unlimited for it's 1.5X earning on all general purchases and the Chase Freedom Flex for the 5% back on rotating categories.
- Learn More about the Chase Sapphire Reserve.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Chase Sapphire Reserve.
Chase World of Hyatt Card

- Earning Rate: Earn 4X Hyatt points at Hyatt Hotels, 2X at restaurants and on airline tickets purchases directly from airlines, local transit and commuting, and fitness club and gym memberships, and 1X on everything else.
- Main Highlights: Annual free night award good at a Category 1 - 4 Hyatt hotel, complimentary World of Hyatt Discoverist status, and 5 qualifying nights towards status.
- Intro Bonus: 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.
- Annual Fee: $95.
- Summary: Hyatt points can easily be redeemed for 1.8 to 2 cents in value towards free nights with very little effort meaning this card automatically offers exceptional value on your spending. The annual free night award will always give you more value than the annual fee unless you're actively trying to find a hotel that's less than $95/night. If you enjoy Hyatt hotels, there's no reason not to have this card.
- Calculate Card Value & Hyatt Points per dollar spent for the Chase World of Hyatt Card.
- This card is unavailable through The Point Calculator.
Marriott Bonvoy Boundless® Credit Card

- Earning Rate: Earn 6X Marriott Bonvoy points at Marriott properties, 3X on the first $6,000 in combined grocery store, gas station, and dining purchases, and 2X on all other purchases.
- Main Highlights: Annual 35K-point free night award, complimentary Silver Elite status, and 15 elite nights annually towards achieving a higher status.
- Intro Bonus: Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
- Annual Fee: $95.
- Summary: This will be the best Marriott credit card for most unless you frequent Marriott's high-end properties. The free night award certificate will just about always offset the fee and you can use the points you have to make the certificate more valuable. Also, if you hold the business card, you can combine those 15 elite nights with these and start the year with 30 elite nights for automatic Gold Elite and an easier route to Marriott's higher statuses.
- Calculate Card Value & Marriott Bonvoy Points per dollar spent for the Marriott Bonvoy Boundless Card.
- This card is unavailable through The Point Calculator.
Unitedâ„ Explorer Card
- Earning Rate: Earn 2X points on United purchases and hotel stays, and at restaurants. Earn 1X on all other purchases.
- Main Highlights: Free checked bag, priority boarding, annual United Club passes, in-flight discounts and up to $100 towards a Global Entry or TSA PreCheck credit.
- Intro Bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- Annual Fee: $0 for the first year, then $95.
- Summary: The Explorer Card is a great entry level card if you fly United a few times per year. While it features a handful of great benefits, the most notable benefits for this card is the free checked bag benefit. If you normally pay for bags, this will save you and one other person traveling with you a lot of money over the course of the year.
- Learn More about the United Explorer Card.
- Calculate Card Value & United Miles per dollar spent for the United Explorer Card.
Southwest Rapid Rewards® Priority Credit Card
- Earning Rate: Earn 3X points on Southwest purchases, 2X on local transit and commuting (including rideshare), internet, cable, phone services, and select streaming, and 1X on everything else.
- Annual Credits: $75 Southwest credit.
- Main Highlights: 4 upgraded bookings per year, 7,500 anniversary points, in-flight discounts, and the ability to earn Tier Qualifying Points spending on the card.
- Intro Bonus: Earn 60,000 bonus points plus a 30% off promo code after spending $3,000 on purchases in the first 3 months from account opening.
- Annual Fee: $149.
- Summary: The standout benefit of this card is the 4 upgraded bookings per year since the $75 credit and anniversary points will offset the fee. If you don't care for the upgrades, you should consider the Southwest Rapid Rewards® Premier Credit Card.
- Learn More about the Southwest Rapid Rewards Priority Credit Card.
- Calculate Card Value & Southwest Points per dollar spent for the Southwest Rapid Rewards Priority Credit Card.
Chase Ink Business Preferred® Credit Card
- Earning Rate: Earn 3X points on up to $150,000 on travel, shipping, internet, cable services, phone services, and advertising purchases each account anniversary year. All other purchases earn 1X.
- Main Highlights: 25% point value boost towards travel booked through Chase Ultimate Rewards.
- 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®.
- Annual Fee: $95.
- Summary: With points being worth an easy 1.25 cents each towards travel, you'll be earning a great return on all business purchases. Be sure to pair this card with the Ink Business Unlimited® Credit Card for 1.5X back on all general purchases.
- Learn More about the Ink Business Preferred Card.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Ink Business Preferred Card.
Chase Ink Business Cash® Credit Card
- Earning Rate: 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% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% back on everything else.
- Main Highlights: High earning rates and the ability to transfer points to other Chase credit cards.
- Intro Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Annual Fee: $0.
- Summary: If you can make use of the card's 5% back categories (hint: most office supply stores sell gift cards), you'll be able to rake in a large sum of cash back. You can up the value of these points by transferring points to the Ink Business Preferred or either of the Sapphire Cards for a whopping 6.25% to 7.5% return towards travel booked through Chase Ultimate Rewards or even higher with Chase's travel partners.
- Learn More about the Ink Business Cash Credit Card.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Ink Business Cash Credit Card.
Chase Ink Business Unlimited® Credit Card
- Earning Rate: Earn an unlimited 1.5% cash back on all purchases.
- Main Highlights: Valuable rewards at no annual fee with the ability to transfer points to other Chase credit cards.
- Intro Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Annual Fee: $0.
- Summary: It's a great flat-rate business rewards credit card. Pair it with the Ink Business Cash Card to maximize your cash back earnings, the Ink Business Preferred to maximize your value towards travel, or with both cards to maximize your earnings for everything.
- Learn More about the Ink Business Unlimited Credit Card.
- Calculate Card Value & Ultimate Rewards Points per dollar spent for the Ink Business Unlimited Credit Card.
Chase Rewards Calculator
Use the Chase Rewards calculator to determine which cards will earn you the most points, cash back, or miles based on the spend amounts you enter into the tool.
Results will consist of top-rated Chase credit cards. They will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees.
Find out which credit cards will offer you the most value based on the spend amounts you entered
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Results
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.
You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.
Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.
We've run the calculations for you and here are our top picks for best credit cards of 2023:
- Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
- Best for flexible travel rewards: Chase Sapphire Preferred® Card.
- Best for everyday spend and travel: Citi Premier® Card.
- Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
- Best for dining and supermarkets: American Express® Gold Card
- Best for business travel rewards: Ink Business Preferred® Credit Card.
- Best cash back business card: Capital One Spark Cash Plus
Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!