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Best Chase Credit Cards for 2022

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated December 10, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.


The Chase Sapphire Preferred® Card is our top pick for overall best Chase credit card for a variety of reasons, including its valuable sign-up bonus, generous rewards rate, convenient benefits and affordable annual fee.

Chase offers an extensive portfolio of credit cards, ranging from Chase-branded cash back, travel and business cards to co-branded airline and hotel cards.

Along with offering lucrative sign-up bonuses and rewards rates, these cards are also known for offering a number of benefits, including access to Chase Ultimate Rewards, extended warranty protection, purchase protection, fraud alerts and much more.

While the Chase Sapphire Preferred® Card is our top overall pick for best Chase credit card, depending on how you plan to use the card, there may be a card that’s better suited for you.

Based on our research of Chase credit cards available through LendingTree, as well as the top cards offered on Chase’s site, these are our selections for the best Chase credit card for the following categories:

Best Chase Credit Cards for 2022
Best overall Chase credit card Chase Sapphire Preferred® Card
Best for straightforward cashback rewards Chase Freedom Unlimited®
Best for rotating bonus categories Chase Freedom Flex℠
Best for luxury travel Chase Sapphire Reserve®
Best for business owners Ink Business Preferred℠ Credit Card
Best for airline rewards Southwest Rapid Rewards® Premier Credit Card
Best for hotel rewards Marriott Bonvoy Boundless® Credit Card
Best for online shopping Amazon Prime Rewards Visa Signature Card
Best for students Chase Freedom® Student credit card

Best For Overall Chase credit card

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99% - 22.99% Variable

Along with generous rewards, the Chase Sapphire Preferred® Card offers a valuable sign-up bonus.

The card earns 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. Additionally, the card offers the following sign-up 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®.

Points are generally valued at 1 cent each — making the sign-up bonus worth $600. But when you redeem those points for travel through Chase Ultimate Rewards®, they’re worth 1.25 cents each — boosting the value of the sign-up bonus to $750.

In addition to redeeming rewards for travel, cash, gift cards and merchandise, you can transfer Chase Ultimate Rewards points to 11 airline partners and three hotel partners at a rate of 1:1. The travel partners are as follows: Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue Air France KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.

If you’re in the market for a travel rewards card, but don’t want to be tied to a particular airline or hotel brand, the Chase Sapphire Preferred® Card is ideal. Points can be redeemed for a variety of travel needs, including airfare, hotels, rental cars, and more. However, the card does come with a $95 annual fee, but the value of the sign-up bonus more than makes up for the annual fee in the first year.

In addition to the sign-up bonus, cardholders also receive complimentary DashPass subscription from Doordash for a minimum of one year (activation required by 03/31/2022) and 5X points on Lyft rides through March 2022

Chase Sapphire Preferred® Card benefits include:

  • $0 foreign transaction fees
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection
  • Extended warranty protection
  • Auto rental collision damage waiver

Along with generous rewards, the Chase Sapphire Preferred® Card offers a valuable sign-up bonus.

The card earns 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. Additionally, the card offers the following sign-up 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®.

Points are generally valued at 1 cent each — making the sign-up bonus worth $600. But when you redeem those points for travel through Chase Ultimate Rewards®, they’re worth 1.25 cents each — boosting the value of the sign-up bonus to $750.

In addition to redeeming rewards for travel, cash, gift cards and merchandise, you can transfer Chase Ultimate Rewards points to 11 airline partners and three hotel partners at a rate of 1:1. The travel partners are as follows: Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue Air France KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.

If you’re in the market for a travel rewards card, but don’t want to be tied to a particular airline or hotel brand, the Chase Sapphire Preferred® Card is ideal. Points can be redeemed for a variety of travel needs, including airfare, hotels, rental cars, and more. However, the card does come with a $95 annual fee, but the value of the sign-up bonus more than makes up for the annual fee in the first year.

In addition to the sign-up bonus, cardholders also receive complimentary DashPass subscription from Doordash for a minimum of one year (activation required by 03/31/2022) and 5X points on Lyft rides through March 2022

Chase Sapphire Preferred® Card benefits include:

  • $0 foreign transaction fees
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection
  • Extended warranty protection
  • Auto rental collision damage waiver

Best For Straightforward cashback rewards

Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 23.74% Variable

The Chase Freedom Unlimited® lets cardholders enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Plus, earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Rewards can be redeemed for statement credits, direct deposits, gift cards or travel or applied to Amazon.com purchases.

Additionally, the Chase Freedom Unlimited® comes with a $0 annual fee.

If you want to earn a solid cashback rate in popular spending categories, like travel, dining, and drugstores, the Chase Freedom Unlimited® card could be a good fit. Plus, the card offers a higher cashback rate on general purchases than most other cashback credit cards.

The Chase Freedom Unlimited® is also ideal if you need to finance a large purchase and pay it off over time, since the card comes with a 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable . The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

Chase Freedom Unlimited® benefits include:

  • Purchase protection
  • Extended warranty protection
  • Complimentary three-month membership to DashPass from DoorDash
  • 5% cash back on Lyft rides through March 2022

The Chase Freedom Unlimited® lets cardholders enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Plus, earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Rewards can be redeemed for statement credits, direct deposits, gift cards or travel or applied to Amazon.com purchases.

Additionally, the Chase Freedom Unlimited® comes with a $0 annual fee.

If you want to earn a solid cashback rate in popular spending categories, like travel, dining, and drugstores, the Chase Freedom Unlimited® card could be a good fit. Plus, the card offers a higher cashback rate on general purchases than most other cashback credit cards.

The Chase Freedom Unlimited® is also ideal if you need to finance a large purchase and pay it off over time, since the card comes with a 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable . The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

Chase Freedom Unlimited® benefits include:

  • Purchase protection
  • Extended warranty protection
  • Complimentary three-month membership to DashPass from DoorDash
  • 5% cash back on Lyft rides through March 2022

Best For Rotating bonus categories

Chase Freedom Flex℠

Chase Freedom Flex℠

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 23.74% Variable

Chase Freedom Flex℠ cardholders 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Additionally, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Like the Chase Freedom Unlimited®, the Chase Freedom Flex℠ offers a promotional 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

The card also charges a $0 annual fee.

If you don’t mind keeping track of bonus categories each quarter, the Chase Freedom Flex℠ provides a great opportunity to earn a large amount of cashback rewards. In addition to offering an accelerated cashback rate in ongoing categories, like travel, dining and drugstore purchases, cardholders earn a generous cashback rate in categories that rotate quarterly, like grocery stores and select streaming services.

Just know, you must activate the bonus category each quarter to earn the 5% cashback rate on those purchases. Also, the rate is capped at $1,500 in combined purchases each quarter.

Chase Freedom Flex℠ benefits include:

  • Purchase protection
  • Extended warranty protection
  • Trip cancellation / interruption insurance
  • Cell phone protection
  • 24/7 fraud monitoring
  • Auto rental collision damage waiver
  • Travel and emergency assistance services

Chase Freedom Flex℠ cardholders 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Additionally, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Like the Chase Freedom Unlimited®, the Chase Freedom Flex℠ offers a promotional 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

The card also charges a $0 annual fee.

If you don’t mind keeping track of bonus categories each quarter, the Chase Freedom Flex℠ provides a great opportunity to earn a large amount of cashback rewards. In addition to offering an accelerated cashback rate in ongoing categories, like travel, dining and drugstore purchases, cardholders earn a generous cashback rate in categories that rotate quarterly, like grocery stores and select streaming services.

Just know, you must activate the bonus category each quarter to earn the 5% cashback rate on those purchases. Also, the rate is capped at $1,500 in combined purchases each quarter.

Chase Freedom Flex℠ benefits include:

  • Purchase protection
  • Extended warranty protection
  • Trip cancellation / interruption insurance
  • Cell phone protection
  • 24/7 fraud monitoring
  • Auto rental collision damage waiver
  • Travel and emergency assistance services

Best For Luxury travel

Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $550
Regular Purchase APR 16.99%-23.99% Variable

With the Chase Sapphire Reserve®, cardholders earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®.

Points are worth 1 cent each when redeemed for cash or gift cards and 1.5 cents each when redeemed for travel through Chase Ultimate Rewards. Points can also be transferred to 14 travel transfer partners, including British Airways Executive club, JetBlue TrueBlue and Marriott Bonvoy, at a rate of 1:1.

If you’re looking for a luxury travel card with a lucrative sign-up bonus, generous rewards rate and premium benefits, the Chase Sapphire Reserve® is a great fit.

The card gives you 50% more value from your rewards when redeem them for airfare, hotels, car rentals or cruises via Chase’s travel portal — making the sign-up bonus worth $750.

Plus, cardholders receive a number of valuable benefits, including a $300 annual travel credit, a Global Entry or TSA Precheck application fee credit, complimentary airport lounge access, trip cancellation and interruption insurance, purchase protection and much more. The card also lets you earn 10X points on Lyft rides through March 2022, complimentary Lyft membership and DoorDash benefit.

All of this comes with a hefty annual fee of $550. But considering the credits, purchase and travel protections, lounge access and other benefits that come with the Chase Sapphire Reserve®, and provided you’ll take advantage of them, then the price of the card is well worth it.

Chase Sapphire Reserve® benefits include:

  • Annual travel credit
  • Global Entry or TSA Precheck fee credit
  • Complimentary airport lounge access
  • 24/7 access to customer service specialists
  • Trip cancellation / interruption insurance
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation
  • Purchase protection
  • Return protection
  • Extended warranty protection

With the Chase Sapphire Reserve®, cardholders earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®.

Points are worth 1 cent each when redeemed for cash or gift cards and 1.5 cents each when redeemed for travel through Chase Ultimate Rewards. Points can also be transferred to 14 travel transfer partners, including British Airways Executive club, JetBlue TrueBlue and Marriott Bonvoy, at a rate of 1:1.

If you’re looking for a luxury travel card with a lucrative sign-up bonus, generous rewards rate and premium benefits, the Chase Sapphire Reserve® is a great fit.

The card gives you 50% more value from your rewards when redeem them for airfare, hotels, car rentals or cruises via Chase’s travel portal — making the sign-up bonus worth $750.

Plus, cardholders receive a number of valuable benefits, including a $300 annual travel credit, a Global Entry or TSA Precheck application fee credit, complimentary airport lounge access, trip cancellation and interruption insurance, purchase protection and much more. The card also lets you earn 10X points on Lyft rides through March 2022, complimentary Lyft membership and DoorDash benefit.

All of this comes with a hefty annual fee of $550. But considering the credits, purchase and travel protections, lounge access and other benefits that come with the Chase Sapphire Reserve®, and provided you’ll take advantage of them, then the price of the card is well worth it.

Chase Sapphire Reserve® benefits include:

  • Annual travel credit
  • Global Entry or TSA Precheck fee credit
  • Complimentary airport lounge access
  • 24/7 access to customer service specialists
  • Trip cancellation / interruption insurance
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation
  • Purchase protection
  • Return protection
  • Extended warranty protection

Best For Business owners

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99%-20.99% Variable

With the Ink Business Preferred℠ Credit Card, cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Plus, earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Rewards can be redeemed for travel, cash back, gift cards or Apple purchases through Ultimate Rewards. If you redeem your rewards for airfare, hotel stays, car rentals, activities or cruises through Chase Ultimate Rewards, they’ll be worth 25% more. This means the sign-up bonus would be worth $1,250.

Points can also be transferred to participating frequent travel programs at a rate of 1:1.

The Ink Business Preferred℠ Credit Card charges an annual fee of $95.

If you’re a small business owner who spends a large sum on business travel and other company expenses, you have the potential to earn a generous amount of rewards with the Ink Business Preferred℠ Credit Card.

Additionally, the card offers a variety of benefits to help you manage your business financials, including 24/7 access to view account details, quarterly reports and up to 24 months of statement details; the ability to easily track expenses and maintain records for tax reporting and other business needs; and personalized account alerts. You can also add employee cards at no additional cost.

Just know, you are limited to earning the higher rewards rate on the first $150,000 in combined shipping, advertising purchases made with social media sites and search engines, Internet, cable and phone services and travel each year. After that, you will only earn 1 point per dollar on every purchase.

Additional Ink Business Preferred℠ Credit Card benefits:

  • Free employee cards
  • Cellphone protection
  • Trip cancellation/trip interruption insurance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection
  • $0 foreign transaction fees

With the Ink Business Preferred℠ Credit Card, cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Plus, earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Rewards can be redeemed for travel, cash back, gift cards or Apple purchases through Ultimate Rewards. If you redeem your rewards for airfare, hotel stays, car rentals, activities or cruises through Chase Ultimate Rewards, they’ll be worth 25% more. This means the sign-up bonus would be worth $1,250.

Points can also be transferred to participating frequent travel programs at a rate of 1:1.

The Ink Business Preferred℠ Credit Card charges an annual fee of $95.

If you’re a small business owner who spends a large sum on business travel and other company expenses, you have the potential to earn a generous amount of rewards with the Ink Business Preferred℠ Credit Card.

Additionally, the card offers a variety of benefits to help you manage your business financials, including 24/7 access to view account details, quarterly reports and up to 24 months of statement details; the ability to easily track expenses and maintain records for tax reporting and other business needs; and personalized account alerts. You can also add employee cards at no additional cost.

Just know, you are limited to earning the higher rewards rate on the first $150,000 in combined shipping, advertising purchases made with social media sites and search engines, Internet, cable and phone services and travel each year. After that, you will only earn 1 point per dollar on every purchase.

Additional Ink Business Preferred℠ Credit Card benefits:

  • Free employee cards
  • Cellphone protection
  • Trip cancellation/trip interruption insurance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection
  • $0 foreign transaction fees

Best For Airline rewards

Southwest Rapid Rewards<sup>®</sup> Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $99
Regular Purchase APR 15.99% - 22.99% Variable

Southwest Rapid Rewards® Premier Credit Card holders earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Cardholders also earn 3X points on Southwest® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming. Earn 1X points on all other purchases.

Additionally, the Southwest Rapid Rewards® Premier Credit Card offers 6,000 bonus points after your card member anniversary each year.

Southwest Rapid Rewards points can be redeemed for flights, hotel stays, car rentals, gift cards, merchandise, charitable donations and exclusive card member experiences.

The Southwest Rapid Rewards® Premier Credit Card also offers 1,500 tier qualifying points (TPQs) for each $10,000 in purchases up to $100,000 in purchases annually (15,000 TQPs). TQPs can help you achieve Rapid Rewards A-List or A-List Preferred Status.

The Southwest Rapid Rewards® Premier Credit Card charges an annual fee of $99.

The Southwest Rapid Rewards® Premier Credit Card is ideal if you regularly fly on Southwest Airlines. Along with airline benefits, like $0 first and second check bags, $0 change fees and no blackout dates, the card offers a solid sign-up bonus that can be used toward future travel. Other benefits include complimentary DoorDash membership for a limited time, lost luggage reimbursement, baggage delay insurance and more.

The Southwest Rapid Rewards® Premier Credit Card charges $0 in foreign transaction fees — so you won’t be charged extra for purchases made with your card outside of the U.S.

If you like what the Southwest Rapid Rewards® Premier Credit Card has to offer, but would prefer a lower annual fee, you may want to consider the Southwest Rapid Rewards® Plus Credit Card instead. The card offers the same sign-up bonus and rewards rate as the Southwest Rapid Rewards® Premier Credit Card, but charges a $69 annual fee. Just know, the card comes with foreign transaction fees of 3% of each transaction in U.S. dollars.

Additional Southwest Rapid Rewards® Premier Credit Card benefits include:

  • Lost luggage reimbursement
  • Baggage delay insurance
  • Extended warranty protection
  • Purchase protection
  • DoorDash benefit
  • Foreign transaction fees: $0

Southwest Rapid Rewards® Premier Credit Card holders earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Cardholders also earn 3X points on Southwest® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming. Earn 1X points on all other purchases.

Additionally, the Southwest Rapid Rewards® Premier Credit Card offers 6,000 bonus points after your card member anniversary each year.

Southwest Rapid Rewards points can be redeemed for flights, hotel stays, car rentals, gift cards, merchandise, charitable donations and exclusive card member experiences.

The Southwest Rapid Rewards® Premier Credit Card also offers 1,500 tier qualifying points (TPQs) for each $10,000 in purchases up to $100,000 in purchases annually (15,000 TQPs). TQPs can help you achieve Rapid Rewards A-List or A-List Preferred Status.

The Southwest Rapid Rewards® Premier Credit Card charges an annual fee of $99.

The Southwest Rapid Rewards® Premier Credit Card is ideal if you regularly fly on Southwest Airlines. Along with airline benefits, like $0 first and second check bags, $0 change fees and no blackout dates, the card offers a solid sign-up bonus that can be used toward future travel. Other benefits include complimentary DoorDash membership for a limited time, lost luggage reimbursement, baggage delay insurance and more.

The Southwest Rapid Rewards® Premier Credit Card charges $0 in foreign transaction fees — so you won’t be charged extra for purchases made with your card outside of the U.S.

If you like what the Southwest Rapid Rewards® Premier Credit Card has to offer, but would prefer a lower annual fee, you may want to consider the Southwest Rapid Rewards® Plus Credit Card instead. The card offers the same sign-up bonus and rewards rate as the Southwest Rapid Rewards® Premier Credit Card, but charges a $69 annual fee. Just know, the card comes with foreign transaction fees of 3% of each transaction in U.S. dollars.

Additional Southwest Rapid Rewards® Premier Credit Card benefits include:

  • Lost luggage reimbursement
  • Baggage delay insurance
  • Extended warranty protection
  • Purchase protection
  • DoorDash benefit
  • Foreign transaction fees: $0

Best For Hotel rewards

Marriott Bonvoy Boundless® Credit Card

Highlights
  • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
  • 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® with the Marriott Bonvoy Boundless® Card.
  • 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.

If you are a Marriott Bonvoy loyalist, the Marriott Bonvoy Boundless® Credit Card offers a great opportunity to earn a very generous rewards rate on your Marriott Bonvoy hotel stays.

Cardholders earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® and 2X points on all other purchases.

Additionally, earn 3 Free Nights after spending $3,000 on purchases in your first 3 months from account opening + 10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening with the Marriott Bonvoy Boundless® Credit Card!

Also, receive a free night award each year, which is valid for a one-night hotel stay at a property with a redemption level up to 35,000 points.

Along with redeeming points for travel, gift cards, charitable donations and more, points can be transferred to more than 40 airline partners at a rate of 3:1. Cardholders receive 5,000 points back for every 60,000 points transferred to airline miles.

The Marriott Bonvoy Boundless® Credit Card charges an annual fee of $95.

If you regularly stay at one of the more than 7,000 Marriott Bonvoy properties, including brands like A Loft, LeMeridien, Sheraton, St. Regis, SpringHill Suites, The Ritz-Carlton and W Hotels, the Marriott Bonvoy Boundless® Credit Card could be a great fit. Along with an accelerated rewards rate on hotel, gas, groceries and restaurant purchases, the card offers an annual free night award at Marriott Bonvoy hotels, plus the free nights offered with the signup bonus.

Cardholders also receive automatic Silver Elite status, which includes 10% more points on stays, priority late checkout, free WiFi, exclusive member rates and more, as well as 15 elite night credits each calendar year.

If you’re planning a trip abroad, you won’t be charged additional fees when you use your card, since it charges $0 in foreign transaction fees.

Additional Marriott Bonvoy Boundless® Credit Card benefits:

  • Foreign transaction fees: $0
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Purchase protection
  • Visa concierge service

If you are a Marriott Bonvoy loyalist, the Marriott Bonvoy Boundless® Credit Card offers a great opportunity to earn a very generous rewards rate on your Marriott Bonvoy hotel stays.

Cardholders earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® and 2X points on all other purchases.

Additionally, earn 3 Free Nights after spending $3,000 on purchases in your first 3 months from account opening + 10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening with the Marriott Bonvoy Boundless® Credit Card!

Also, receive a free night award each year, which is valid for a one-night hotel stay at a property with a redemption level up to 35,000 points.

Along with redeeming points for travel, gift cards, charitable donations and more, points can be transferred to more than 40 airline partners at a rate of 3:1. Cardholders receive 5,000 points back for every 60,000 points transferred to airline miles.

The Marriott Bonvoy Boundless® Credit Card charges an annual fee of $95.

If you regularly stay at one of the more than 7,000 Marriott Bonvoy properties, including brands like A Loft, LeMeridien, Sheraton, St. Regis, SpringHill Suites, The Ritz-Carlton and W Hotels, the Marriott Bonvoy Boundless® Credit Card could be a great fit. Along with an accelerated rewards rate on hotel, gas, groceries and restaurant purchases, the card offers an annual free night award at Marriott Bonvoy hotels, plus the free nights offered with the signup bonus.

Cardholders also receive automatic Silver Elite status, which includes 10% more points on stays, priority late checkout, free WiFi, exclusive member rates and more, as well as 15 elite night credits each calendar year.

If you’re planning a trip abroad, you won’t be charged additional fees when you use your card, since it charges $0 in foreign transaction fees.

Additional Marriott Bonvoy Boundless® Credit Card benefits:

  • Foreign transaction fees: $0
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Purchase protection
  • Visa concierge service
The information related to the Marriott Bonvoy Boundless® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Online shopping

Amazon Prime Rewards Visa Signature Card

Highlights
  • Only available to Amazon Prime members
  • Get a $150 Amazon Gift Card instantly upon approval.
  • 5% back at Amazon.com and Whole Foods Market
  • 2% back at restaurants, gas stations and drugstores
  • 1% back on all other purchases
  • No foreign transaction fees

The Amazon Prime Rewards Visa Signature Card offers 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Plus, earn a get a $150 Amazon Gift Card instantly upon approval.

Rewards can be redeemed for cash back, gift cards or travel, including flights, hotels, cruises and car rentals. You can also use your rewards to pay for all or part of your Amazon.com purchases.

The Amazon Prime Rewards Visa Signature Card charges a $0 annual fee, but requires Amazon Prime membership.

If you have an Amazon Prime membership and frequently shop at Amazon.com or Whole Foods Market, the Amazon Prime Rewards Visa Signature Card could be a great option. Along with offering a generous rewards rate on Amazon purchases, the card comes with a solid cashback rate on everyday purchases, like restaurant, gas station and drugstore purchases.

But while the Amazon Prime Rewards Visa Signature Card comes with a $0 annual fee, know that it does require Amazon Prime membership, which runs $119 per year, or $59 per year for college students.

Additional Amazon Prime Rewards Visa Signature Card benefits:

  • Contactless payments
  • Foreign transaction fees: $0
  • Travel and emergency assistance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection
  • 24/7 Visa Signature Concierge service

The Amazon Prime Rewards Visa Signature Card offers 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Plus, earn a get a $150 Amazon Gift Card instantly upon approval.

Rewards can be redeemed for cash back, gift cards or travel, including flights, hotels, cruises and car rentals. You can also use your rewards to pay for all or part of your Amazon.com purchases.

The Amazon Prime Rewards Visa Signature Card charges a $0 annual fee, but requires Amazon Prime membership.

If you have an Amazon Prime membership and frequently shop at Amazon.com or Whole Foods Market, the Amazon Prime Rewards Visa Signature Card could be a great option. Along with offering a generous rewards rate on Amazon purchases, the card comes with a solid cashback rate on everyday purchases, like restaurant, gas station and drugstore purchases.

But while the Amazon Prime Rewards Visa Signature Card comes with a $0 annual fee, know that it does require Amazon Prime membership, which runs $119 per year, or $59 per year for college students.

Additional Amazon Prime Rewards Visa Signature Card benefits:

  • Contactless payments
  • Foreign transaction fees: $0
  • Travel and emergency assistance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection
  • 24/7 Visa Signature Concierge service
The information related to the Amazon Prime Rewards Visa Signature Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Students

Chase Freedom<sup>®</sup> Student credit card

Chase Freedom® Student credit card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 14.99% Variable

The Chase Freedom® Student credit card is the only Chase credit card specifically designed for students.

Cardholders earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years. The card also offers a $50 bonus after first purchase made within the first 3 months from account opening.

Cashback rewards can be redeemed as statement credits or direct deposits into most U.S. checking and savings accounts.

The Chase Freedom® Student credit card comes with a $0 annual fee.

The Chase Freedom® Student credit card is ideal for students who want the prestige of carrying a Chase credit card while also building credit.

The card offers an automatic credit limit increase when you make five monthly on-time payments in the first 10 months of opening your account and meeting credit criteria. Additionally, along with a flat cashback rate on general purchases, cardholders also earn 5% cash back on Lyft rides through March 2022.

We should note, you may be required to provide additional verification documents, such as a U.S.-issued driver’s license or Social Security card, when applying for this card.

  • $20 in Good Standing Rewards
  • Free access to your credit score
  • Purchase protection
  • Extended warranty protection
  • Complimentary three-month membership to DashPass from DoorDash

The Chase Freedom® Student credit card is the only Chase credit card specifically designed for students.

Cardholders earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years. The card also offers a $50 bonus after first purchase made within the first 3 months from account opening.

Cashback rewards can be redeemed as statement credits or direct deposits into most U.S. checking and savings accounts.

The Chase Freedom® Student credit card comes with a $0 annual fee.

The Chase Freedom® Student credit card is ideal for students who want the prestige of carrying a Chase credit card while also building credit.

The card offers an automatic credit limit increase when you make five monthly on-time payments in the first 10 months of opening your account and meeting credit criteria. Additionally, along with a flat cashback rate on general purchases, cardholders also earn 5% cash back on Lyft rides through March 2022.

We should note, you may be required to provide additional verification documents, such as a U.S.-issued driver’s license or Social Security card, when applying for this card.

  • $20 in Good Standing Rewards
  • Free access to your credit score
  • Purchase protection
  • Extended warranty protection
  • Complimentary three-month membership to DashPass from DoorDash

Side-by-side comparison of the best Chase credit card

Credit cardBest forAnnual fee
Chase Sapphire Preferred® CardOverall Chase credit cardEarn 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®.$95
Chase Freedom Unlimited®Straightforward cashback rewardsEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.$0
Chase Freedom Flex℠Rotating bonus categoriesEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!$0
Chase Sapphire Reserve®Luxury travelEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$550
Ink Business Preferred℠ Credit CardBusiness ownersEarn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.$95
Southwest Rapid Rewards® Premier Credit CardAirline rewardsEarn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open.$99
Marriott Bonvoy Boundless® Credit CardHotel rewardsEarn 3 Free Nights after spending $3,000 on purchases in your first 3 months from account opening + 10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening with the Marriott Bonvoy Boundless® Credit Card!$95
Amazon Prime Rewards Visa CardOnline shopping$100 Amazon.com Gift Card instantly upon credit card approval$0
Chase Freedom® Student credit cardStudents$50 Bonus after first purchase made within the first 3 months from account opening$0

Methodology

To select the best Chase credit card, our credit card experts compared the leading credit cards offered on Chase’s site and LendingTree.com, including cashback cards, business cards, travel cards and more.

Although we primarily focused on Chase-branded cards, we also considered Chase co-branded credit cards.

We then chose our top picks based on a variety of factors, like rewards value, the amount of the sign-up bonus, the annual fee and more. We also looked at the benefits offered by each card, such as purchase protection, travel insurance and complimentary lounge access.

Which Chase credit card is right for you?

Ultimately, the best Chase card for you depends on how you plan to use the card. For example, if you want to earn cashback rewards, the Chase Freedom Flex℠ and Chase Freedom Unlimited® are both good options. But if you want to earn an influx of rewards to use toward future travel — and you plan to take advantage of the premium card benefits — the Chase Sapphire Reserve® is a better choice.

Whichever card you choose, keep in mind that Chase’s “5/24 rule” prevents you from being approved for a new Chase card if you have opened five personal credit cards from any issuer in the last 24 months.

That said, Chase business credit cards do not count toward the five-card maximum. For example, if you opened four personal credit cards and one Chase business credit card in the past two years (for a total of five cards), you are eligible to apply for an additional Chase business card. But if you opened five personal credit cards in two years, you won’t be approved for a Chase business credit card.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.