Best Chase Rewards Credit Cards

Top Picks & Rewards Calculator
Get our top picks for the best Chase credit cards and calculate which cards will earn you the most rewards based on your spend.
Last Updated 2022-08-17 By R.Flowers III

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 our picks for the best Chase credit cards and calculate which cards will earn you the most rewards based on the spend amounts you enter into our tool.

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Best For Flexible Travel Rewards

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 5 Ultimate Rewards points per $1 spent on travel purchases through Chase Ultimate Rewards, 3 points per $1 spent on online grocery purchases, select streaming services, and dining purchases, 2 points per $1 spent on other travel purchases, and 1 point per $1 spent 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.

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®.

Best For Flat-Rate Cash Back & Bonus Cash Back

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.

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.

Intro Bonus: Earn an additional 1.5% cash back on everything you buy, up to $20,000 spent during the first year. That's up to $300 cash back.

Best For High Earnings On Rotating Categories

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 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.

Intro Bonus: Earn $200 cash back after you spend $500 on the card within the first 3 months from account opening.

Best For High Value

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

The card earns 10 Ultimate Rewards points per $1 spent on Chase Dining purchases and both hotel and car rental purchases through Chase Ultimate Rewards, 5 points per $1 spent on airline travel purchases through Chase Ultimate Rewards, 3 points per $1 spent on dining and other travel purchases, and 1 point per $1 spent 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.

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.

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®.

Best For Hyatt Travelers

The Chase World of Hyatt Card is the best credit card for earning Hyatt points spending at Hyatt and is also great for additional Hyatt perks.

It earns 4 Hyatt points per $1 spent at Hyatt hotels, 2 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, and 1 point per $1 spent 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.

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.

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.

Best For Marriott Travelers

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 6 Marriott Bonvoy points at Marriott properties and 2 points per $1 spent 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.

The free night can be used at any Marriott hotel that costs up to 35,000 points. Redeeming the certificate for more than $95, the annual fee of the card, 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.

Intro Bonus: Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

Best For United Travelers

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

It earns 2 United miles per $1 spent on hotel stays, on United purchases, and at restaurants. All other purchases on the card earns 1 mile per $1 spent.

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.

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

Intro Bonus: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Best For Southwest Travelers

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 3 Southwest points per $1 spent on dining (including takeout and eligible delivery services) the first year, 2 points per $1 spent on Southwest purchases, and 1 point per $1 spent 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.

The $149 annual fee of the card 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.

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.

Intro Bonus: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.

Best For Travel & Business Purchases

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 3 Ultimate Rewards points on up to $150,000 in combined annual spend on travel, shipping, internet, cable, phone, and advertising purchases and 1 point per $1 spent 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.

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®.

Best For Office Supply Stores & Utilities

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.

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 airline and hotel partners.

Intro Bonus: 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

If you're looking for a great flat-rate cash back business card or you want to maximize your rewards earned with the Ink Business Preferred, 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.

The Ink Business Cash 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.

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.

Intro Bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Best Chase Credit Cards Summary

Credit Card Best For Annual Fee
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 Sapphire Reserve® High Value $550
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

Chase Credit Card Rewards Calculator

Use the Chase Credit Card Rewards calculator to find out 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 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.

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.