Chase Logo
star star star star star_half

6.0

Overall Score

Author: Kaitlyn Short

LAST UPDATED: November 21st, 2024

With a history tracing back to 1799, Chase is one of the oldest and largest banks in the United States. In 1958, Chase launched the first credit card in New York City, and today the company offers a variety of different cards.

Chase credit cards are known for their excellent rewards, including competitive spending rates and a generous points program. The company provides both co-branded and Chase-branded credit card options, and its Chase Sapphire Reserve® card is one of the most popular travel rewards credit cards in the industry.

Continue reading for pros and cons, as well as Chase credit card reviews from real customers.

Top Ranked Companies

thumb_up

The Good

  • Chase Ultimate Rewards Program
  • Co-branded Credit Cards
  • Low Introductory APRs
  • Free Credit Score Monitoring
  • Positive Customer Reviews

Chase Ultimate Rewards Program

Chase Ultimate Rewards® is the name of the company’s points program used for all Chase-branded rewards credit cards.

Chase Ultimate Rewards points can be redeemed in a variety of ways, including:

  • Cash back
  • Travel
  • Gift cards
  • Amazon and Apple purchases

Points are generally worth 1 to 1.5 cents.

The following Chase-branded cards earn Chase Ultimate Rewards:

  • Chase Sapphire Preferred®
  • Chase Sapphire Reserve®
  • Chase Freedom®
  • Chase Freedom Flex℠
  • Chase Freedom Unlimited®
  • Ink Business Cash®
  • Ink Business Preferred®
  • Ink Business Unlimited®
search

Highlight: Chase Sapphire Reserve® Card

The Chase Sapphire Reserve card is one of the most popular rewards credit cards in the industry. Offering exceptional travel rewards and benefits you can get three times the points on eligible dining and travel expenses. 

Through the Chase Ultimate Rewards portal you can redeem your points and use the program’s travel-booking tool, powered by Expedia. The travel-booking tool allows you to purchase travel accommodations and other expenses with accumulated points instead of cash.

Co-branded Credit Cards

Chase offers a variety of co-branded credit cards, allowing you to earn more rewards and points with certain airlines, hotels, stores, etc. Chase is partnered with, and offers co-branded cards from, the following companies:

  • Southwest Airlines
  • United Airlines
  • British Airways
  • Aer Lingus
  • Iberia
  • Marriott Bonvoy
  • Hyatt
  • IHG Hotels
  • Disney
  • Starbucks
  • Amazon Prime

Co-branded cards generally allow you to earn points on all purchases which can then be redeemed for specific perks and purchases. For example, you can earn 1 percent in Disney reward dollars on all purchases made with the Disney® Visa® Card; reward dollars can be redeemed toward most anything at Disney or Disney locations.

Low Introductory APRs

Many Chase credit cards, including some co-branded cards, offer zero percent intro APRs for a certain number of months after opening a new card:

  • The Chase Freedom Unlimited® and Chase Freedom Flex℠ credit cards offer a 0% intro APR for 15 months from account opening.
  • The Disney® Premier Visa® and Disney® Visa® credit cards offer a 0% promotional APR for 6 months on select Disney vacation packages from date of purchase.
  • The Ink Business Cash® and Ink Business Preferred® credit cards offer a 0% intro APR for 12 months from account opening.

After the introductory/promotional period, your APR will typically range from 14.24 percent to 23.49 percent depending on your card and creditworthiness.

Free Credit Score Monitoring

To help you keep track of your credit and manage your credit score, Chase offers free credit score monitoring through its Credit Journey program.

You don't have to be a Chase customer to access Credit Journey, but you must make an account which will provide you with a variety of credit monitoring services:

  • Check your score — get your credit score at any time without affecting your credit
  • Protect your credit — protect yourself from identity fraud
  • Receive real-time alerts — get alerts when your credit score changes
  • Get personalized insights — learn how you can build and maintain your credit

Positive Customer Reviews

The majority of Chase reviews are 4 or 5 star, with customers highlighting generous rewards, excellent customer service, and helpful online tools and features. In addition, many customers mention that they have had their Chase card for years (upwards of 30 years) and are still pleased with its features.

Review Icon

Customer Review: Jeremy Balls from Kaysville, Utah

“I have several rewards credit cards through Chase. They are straightforward and easy to understand and use. Never had any issues. It is nice that I can move my approved credit between credit cards.”

Poor reviews and complaints are limited, and the majority are outdated. But, some customers do mention high fees and difficulty being approved for a credit card even with a high credit score.

Visit Site

thumb_down

The Bad

  • Annual Fees
  • Foreign Transaction Fees
  • No Secured Credit Card Option

Annual Fees

The majority of Chase credit cards have an annual fee. Fees range from $49 to $550, depending on the card. 

The popular and highly rated Chase Sapphire Reserve card has the highest annual fee of $550, but offers exceptional rewards for both dining and travel purchases. In general, cards that offer generous rewards will have a higher annual fee.

If you would like to avoid an annual fee, there are Chase credit card options available. But it is also important to note that a good to excellent credit score may be required to qualify, particularly if it is a co-branded card.

Foreign Transaction Fees

Some Chase credit cards, such as the Chase Freedom Unlimited card, do charge a foreign transaction fee of 2 to 5 percent on purchases made outside of the U.S. or in a different currency within the U.S. (e.g., buying a product online from Canada).

Chase does offer a variety of cards that don't carry this fee, but there are also other credit card issuers that don’t charge a foreign transaction fee on any cards, such as Discover or Capital One.

No Secured Credit Card Option

If you are looking to build or rebuild credit, a secured credit card can be a viable option for you. However, Chase does not offer a secured credit card. Thus, if you have bad credit or a limited credit history, you may find it difficult to qualify for a Chase credit card, especially for the use of building/rebuilding credit.

gavel

The Bottom Line

Chase is well known for its generous rewards program, and offers a variety of cards with competitive cash back offerings or point redemption systems. You can choose from a wide selection of Chase-branded or co-branded credit cards, providing you with more flexibility in how you use your credit and what rewards would be most beneficial to you.

With a wide selection of co-branded hotel, travel, and airline cards, you can save money on travel, but it is important to note that Chase does charge a foreign transaction fee of 2 to 5 percent on some cards.

Chase customer reviews are mostly 4 and 5 star. Customers frequently confirm the generous and flexible reward offerings and are quick to praise the company’s customer service. In addition, many customers mention that they have had their Chase credit card(s) for a number of years, suggesting that Chase could be a good and reliable long-term credit option.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

info

4.6

star star star star star_half

906 Reviews

Review Breakdown

5 grade

65%

4 grade

22%

3 grade

6%

2 grade

3%

1 grade

4%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Verified Customer

check_circle

Review Source

star star star star star

Andrew Weckerly

I always get right through to a real person when I call in. Their vacation protection, price drop protection, and extended warranties have all saved me money and been pretty painless experiences. Ultimate rewards is also a really seamless experience that provides tremendous value when transferring to travel partners.

4 years ago

check_circle

Review Source

star star star star star

JAMES STEVE JOHNSON

I have been and still have a Chase Checking and Savings account. I have been with Chase for over 20 years. Chase offers a Veterans Account where they don't charge for monthly checking and savings fees, and they offer interest on the checking account. They do not charge me for new checks ordered as some banks do. I highly recommend Chase if you are looking for a trusted bank to handle your finances. I also feel very secure with their fraud department, as my ATM Card has been compromised on several occasions and their fraud department has intervened and saved me from identity theft. Thank You Chase for being there for me.

6 months ago

star star star star star

Annie Hickey

Chase and Amazon prime do a great combo. You can call and talk to anybody about any questions you have. You get cash back which you can use at Amazon. It's easy there's no fuss you don't have to keep track of everything. They do it for you.

8 months ago

check_circle

Review Source

star star star star star

Hephzibah Tseng

The customer service and the customer support is always helpful and effective. I use their credit card for years. Many times they took extra steps to help to resolve the problem and issue I had. I know I can trust them when the random unexpected things happened.

5 months ago

check_circle

Review Source

star star star star star

Daniella

Thier service is best in the sense that, I misplaced my wallet on my way home and had to get some groceries from the store, have gotten what I needed but to pay makes me realize I have lost my wallet With one phone call to their customer service, my present concern was resolved and I got another card the next day Would definitely recommend them always

6 months ago

star star star star star

Sharifay Sharif Salt Lake City, UT

The chase credit card has its own section in the Chase mobile app or Chase website so to pay off the credit card you use one of your checking accounts which is easy and fast the first time I had a freedom chase credit card they said if I use the whole 500 I would get an extra 200 so I did to build up my credit and they gave me my 200 which was good for my credit because it helped it rise up about like 64 points. they monitor the credit well good And you can also see your credit through the Chase app and how you’re doing what you’re spending your credit card on and you get these points where you can turn them into cash you’ll get cash back so if you get like 20,000 points does $200 cash back every every hundred point is a dollar You can either use it to pay for things or get cash back and it’s easy to get the points they’ll tell you exactly what you need to spend your money on to get these points they be like if you go to Walmart you’ll get this much if you connect your Hulu Netflix entertainment think you’ll get this much so I connected my Hulu Netflix all entertainment television Services I watch on there.. so that it is easier for me to just pay back everything Before my due date.

1 year ago

star star star star star

Jen Paxman Lehi, UT

I currently have several Chase credit cards. I love Chase, they are easy to work with and have great customer service. I love their bonus points and start up programs. We are able to travel a lot with our family because our credit card points pay for airfare, rental cars, hotels and cash. Their bills are easy to pay and I like that all of your cards are available to see on one page of the website so that I can see all of my balances at once. I also had a card stolen once and they were so helpful and overnighted me a new one at no charge to me. I would highly recommend Chase cards to anyone.

5 years ago

star star star star star

Francis Adesuyi

The staff is warm and friendly, helpful and ready whenever I need something. I've now moved my personal banking here as well. Based on customer service alone. Enjoy the experience.Chase Bank was the easiest company To deal with and it’s very fantastic

8 months ago Edited March 29, 2024

star star star star star

Amani Patel Harrisonburg, VA

Chase has a variety of cards and services that cater to the needs of a diverse range of individuals. I have personally used the Chase Sapphire rewards card and have found that it offers great bonus rewards for me, since I travel and dine out frequently.

10 months ago

star star star star star

Wendy

Chase is a great company that will work with you on your credit cards.

1 month ago

check_circle

Review Source

star star star star star

Anita Fendrick

MANY YEARS A SATISFIED CUSTOMER. THEY HAVE ALWAYS TREATED US WELL AND WE WERE SO HAPPY WHEN WE HAVE CHASE OPTIONS SO CLOSE. OF COURSE ON LINE IS ONE OF THE PERKS. WE ALWAYS FEEL SAFE AND HAVE ALWAYS HAD QUESTIONS ANSWERED.

6 months ago

check_circle

Review Source

star star star star star

Leonard J Balon

Chase is an excellent bank to use. They are fast, efficient and they offer customer protection should you need to dispute any unrecognized charges on your bank account. Their online access is easy to use and their customer service far outshines any other bank I have ever used.

7 months ago

star star star star star

Amanda George IL

Chase credit cards are wonderful. They are a good option for someone that has established credit, as long as you pay your bill off on time they don't have any extra fees or hidden costs. The process of applying and using your card is seamless and easy. They truly care about their customers. I have had a chase card for about 2 1/2 years and never had a problem.

1 year ago

star star star star star

Mick Salem, OR

Generous CL with auto CLI's. Better than average unlimited everyday cash back and APR. No annual fee. Website is easy to navigate with minimal clicks and manual responses required to make payments. My "go to" primary card. My only wish would be for no foreign transaction fee. As I've never had occassion to contact customer service I can't comment, but overall... not a single complaint.

5 years ago

star star star star star

Kim Tempe, AZ

I have 2 Chase credit cards and everything is running smooth so far. Interest rates are definitely on the higher side (even with excellent credit) but I do what I can to avoid it as much as possible. There was an incident recently where my credit card information was stolen and they instantly called me to verify the purchases as they recognized the activity was not normal. The process through the fraud department was fast and easy. Did not have to worry at all about covering those charges. I carry a Southwest airlines card and an Amazon card.

6 years ago

star star star star star

Lesa Burgess Pleasant Grove, UT

I own the Marriott Rewards Premier Credit Card and I love it. I purchase all of my Marriott hotel stays on this card so I can receive the double bonus points. This card has helped me reach platinum Marriott status quicker than I could have imagined. This card has great customer service & I love the $85 for a free night every year! That reward is fantastic!

6 years ago

star star star star star

Jennifer Hargrave Gilbert, AZ

The fraud protection alone is worth its weight in gold. Our credit cards, both personal and business have been compromised and Chase was on it! I was out of the country on vacation and woke up to a message from Chase regarding a purchase for concert tickets for $1200.00. Chase denied the charge, temporarily closed my account and notified me immediately. All was handled quickly and professionally and my vacation resumed. I will continue to be a Chase customer and encourage my children to open their first accounts with them.

6 years ago

star star star star star

Anne Kimball Salt Lake City, UT

I use a Chase card now and have had no complaints! When I signed onto the card I got a ton of sky miles which was amazing. And now paying my bills is so easy. Also, there was once an unauthorized charge on my card and they found it. They alerted me and put a block on my card right away until they spoke with me and we got it resolved immediately because I got a text and email about it.

6 years ago

check_circle

Review Source

star star star star star

Dutch

I would recommend Chase always, because I forgot my wallet at home when going to office and I realized that just only dropping by to get gas for my car. I was confused on what to do, luckily I saw Chase opposite the station and I explained my situation to the customer service. With some few questions, I was given some cash to ease the stress at the moment and I was able to get to work on time

8 months ago

check_circle

Review Source

star star star star star

mary martin Bossier City, LA

I've been banking with Chase for over 10 years and am a chase card credit card member as well...and it is worth it. Yes there are some fees with the accounts but the accounts have many perks that go hand in hand with those fees and actually are a super value for the small fees you pay. Anytime there is a direct deposit (stimulus, tax return, paycheck) I am almost always one of the first of everyone I know to get mine being a Chase customer. It's excellent knowing that I can access my money almost always before others due to a company like Chase Bank being on top of things. Bravo! There are also multiple options for financing credit building saving money tracking budgeting investing etc!

1 year ago Edited December 22, 2023

check_circle

Review Source

star star star star star

Jnt_421 Bethel Park, PA

I have had my card for a few years now. I did apply for a credit line increase after 6 or 7 months, and was so sure that I would get it that I agreed to let them do a hard pull on my credit... they denied my increase and my score dropped a little with two of the bureaus because of the hard inquiry. They made up for it, sort of, by more than doubling my credit line once I reached 1 year with them. It was an automatic increase, so no credit pull this time. I had some issues with fraudulent charges and when I contacted them, they took care of it immediately. It was quite difficult and time consuming getting all my bills transferred to the new card, but the credit thieves were to blame for that, not Chase. I have been able to monitor my credit and I get updates anytime there is a transaction on my account. Overall, I am satisfied with my Chase card.

2 years ago

check_circle

Review Source

star star star star star

Joseph Zajac Hazleton, PA

I've used Chase for a number of years. I used to have a car loan with them that was at a very fair rate. Most recently I opened a Chase credit card that ties to Amazon and I'm very pleased with it. It gives me 3% cash back on purchases with Amazon and it's also available for use at any retailer or anyone that accepts the Visa card. In addition the signature Visa that I obtained came with a sign on bonus of $100 in Amazon credit which is now actually increased to what I understand to be $150. It's a great way to shop Amazon and the card also allows you to break payments into six even parts with Amazon shopping that have no interest so it becomes the same as cash. It's a really good promotion and a very fair credit card and payment arrangements structure.

2 years ago

star star star star star

Jacqueline Burgos

I have the Chase Freedom credit card starring with a credit limit on $1,000 which rapidly increased to $10,000. This surprised me a lot, since with my credit score I didn't expect the credit limit increase. The use of the app was also a plus, to manage the account and payments. Thankful for the opportunity, when most needed.

1 year ago

star star star star star_border

G.J. Boise, ID

We use are Chase credit card for Amazon only. We had one issue with Chase someone used are card for a order that we never authorized. When I contacted customer service they were very helpful and immediately reversed the charges and issued us a new card. There was no hassle to prove that it wasn’t are charge. Some credit card companies make you feel like a criminal if you dispute a charge. I am very happy with this company.

2 years ago

star star star star star

Cathy Lee Gettysburg, PA

I have had 2 Chase cards - both with Chase being the banking entity for another company. I have been pleased with Chase in both instances - their customer service has been easy to deal with. In addition, if you need to go into a brick and mortar bank, they're nationwide.

2 years ago Edited March 10, 2022

star star star star star

Chad Edgar Wentzville, MO

I love my Chase card it's so easy to access use ATMs anywhere also has overdraft protection has reoccuring payments on anything or just a personal savings account throw $2 a month into it every month or something awesome place to direct deposit your money's I do thank you Chase

2 years ago

star star star star star

courtney tennant Salem, VA

Chase has the best customer service of any other credit card company I have been customers of. When I thought my card info had been stolen the lady on the phone quickly disabled my card and assured me they would get their team right on investigating.

3 years ago

star star star star star

Toni Montuori

I have been a chase card holder for many years and there are very good reasons for this. Most recently the heightened security features that protect me and my account. My favorite feature is receiving a text alert that my credit card was just used even before I’ve left the store. This gives me great comfort with regard to fraud.

3 years ago

star star star star star

Bee Endicott, NY

I have banked with Chase for years. I closed by checking when I moved away from the branch, but I kept mt credit cards. Did you know that Chase and Amazon are partners? Now you know. They offer a lot of reward points with their cards.

3 years ago

star star star star star_border

JOHN M CAMPBELL ,

I have two credit cards through Chase-United Mileage Plus & Amazon Prime- and for the most part they are easy to deal with. I've been a customer of Chase for 20 years and the only complaint I've had is when I wanted to transfer my United Mileage Plus card, with its associated credit line of $76,600 to the Amazon Prime Visa, they treated me as if I hadn't been a long time customer with an already high credit limit with them, but I had to fill out a credit application just like a first-time applicant with them, which lowered my credit score, before they'd issue a card,

3 years ago

star star star star star

Roxana Perez ,

I have had Chase for over 4 years and I have no complaints! Their programs are accessible, costumer service is always very responsive, and they have wonderful offers. My card specifically, for example, allows me to use it internationally with no transaction fees.

4 years ago

star star star star star

Carol Kalvik

I've had this same card for over 15 years with only one small billing problem. One call to Chase's customer service phone number and my issue was resolved immediately with apologies, speed, and much professionalism. I have cancelled other credit cards due to billing issues but the Chase card I recommend whenever the subject comes up.

4 years ago

star star star star star

Beverly

They are able to give you clear information. They have excellent security services and quickly respond if something does not seem correct in a transaction. They will help you if you need to get a refund from a company that hesitates to do so.

4 years ago

star star star star star

Mandi Smith American Fork, UT

Chase gives us all the opportunity to transfer money super quick and easy from one account to another. I always transfer money from my account to another and there are no complications, just a few simple buttons. This company is very trustworthy and reliable. There is never a problem with Chase.

4 years ago

star star star star star

Beverly Schacher Long Beach, MS

We have had our Chase credit card for many years. The interest rate is comparable to other credit card companies, there is no annual fee and they have excellent customer service. We have been very satisfied with our Chase card.

4 years ago

star star star star star

Sheryl Wilson

We have a low interest rate. The main advantage for why we use this credit card is to earn Southwest Airlines Sky miles. Chase also notified me when a suspicious charge was made on my credit card. They froze my account and sent me a new card right away and refunded the fraudulent charges.

6 years ago

star star star star star

Gioacco Mahopac, NY

They have a great combination of online, automated telephone, and telephone representatives. They also send messages via email and/or text messages if there is any unusual credit activities. They take my security very seriously and I like that.

6 years ago

star star star star star

Lindsey American Fork, UT

I have a Chase Disney Card. It's the best! Definitely recommend it. The bank is very professional, their website is easy to use. The employees are very professional and helpful. I've never been put on hold for too long waiting for someone to answer.

7 years ago

star star star star star_border

Luke Gibson Provo, UT

My experience with Chase has lasted about eight years now and has been pretty good. For a massive bank corporation, I feel they still do a decent job of good customer service. One thing I really do appreciate about them is their security, I feel they have a lot of great safeguards in place to make recovering from a stolen credit card simple and not scary. Also, their technology is fantastic, in the sense that their smartphone app, website, and frequent new features work well and make things really convenient.

7 years ago

star star star star star

Connie Mayer South Jordan, UT

Chase has been a reliable company for us. We do prefer other cards more, but we do use our Chase card. We have missed a payment before, and if we call them, they fix it for us when we honestly just missed the payment. They are good people to work with.

7 years ago

check_circle

Review Source

star star star star star

Stephanie Bloniarz

My two favorite credit cards are Southwest Airlines and Amazon Chase cards! I appreciate that I can navigate both CC accounts on my Chase profile. I always feel safe and protected when using either of my Chase cards. Thank you for taking good care of your account card holders.

9 months ago

check_circle

Review Source

star star star star star

David franklin Miami, FL

What I really like about Chase credit cards is that they help me buy what I need and offer rewards like cash back or travel perks. There are plenty of options to choose from, so I can find one that fits my lifestyle. Plus, I can check my credit score for free with Credit Journey

10 months ago

check_circle

Review Source

star star star star star

Larry Feinstein

We have had Chase Visa for 20+ years. Earn travel points on par with other credit cards. Customer service is top notch and they will always "fix" errors from hotels, car rental, airlines when you book through them. Never had an overcharge. We book a lot of our travel through Chase

10 months ago

check_circle

Review Source

star star star star star

atokoose taiwo boluwatiwi Lagos, LA

They offer ne the best credit payment service, all my payments are easily transacted without any issues. Either from the recipient bank or service or from Chase. No issues experienced. They offer high card credit. Been using chase for like 3 years now.

11 months ago

check_circle

Review Source

star star star star star

Arooj Naeem

Chase has consistently delivered a range of credit card options with attractive rewards and benefits. The flexibility of their reward programs and the widespread acceptance of Chase cards make them a top contender in the credit card market.

11 months ago

check_circle

Review Source

star star star star star

TheShannaswood Arlington, TX

I have banked with Chase for years. I had fraud on my account twice in one month of 10K and they were awesome and helped men navigate it and get my money back into my account. They have many locations all over the country, so you can always find an ATM, or go into any branch and get help, They have wonderful tellers and when you have a problem they will correct it.

1 year ago

check_circle

Review Source

star star star star star

Richard Birnbach Monterrey, NLE

Chase offers credit cards and provides inducements for you to become a customer. I earned $700 when I opened a checking account with credit card but had to set up a ACH deposit and spend a certain amount using their credit card. They allow full payoff within the cycle period to avoid interest. A great deal, certainly beats the amount of interest you earn on the savings account.

1 year ago

check_circle

Review Source

star star star star star

Kanesha Bates Chelsea, AL

I have a credit card account and checking account with Chase. I am very happy with the company. The two-factor authentication provides security for my personal information. With the app, I can easily manage both accounts at once. It is presents information very quickly and allows for multiple features that would take a lot of time do do separately.

1 year ago

check_circle

Review Source

star star star star star

Danielle Johnson Chagrin Falls, OH

Been banking with the. The last 3 years. When I had fraudulent activity the process to get my money back and lock the debit card that was compromised and sent out a new one. Was done with such ease. Also I love the chase kids first checking account. Allows me to teach my two kids at a young age how to manage money and how to use a checking and savings account

1 year ago

check_circle

Review Source

star star star star star

Matt Martin Sacramento, CA

Chase has been there when others have not. As our nest egg has grown and shrunk come rain or shine...We appreciate their faith and no doubt they will be a great part of our financial success - something we've worked hard for. We bank with Chase everyday and use them for checking, savings, investing and for credit. They have provided advisors and sincere assistance to help us meet our financial goals.

1 year ago