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Chase

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7.3

Overall Score

LAST UPDATED: December 2nd, 2023

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.

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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®
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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.

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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.

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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.

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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.

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Star Rating

4.4

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851 Reviews

Review Breakdown

5 grade

64%

4 grade

23%

3 grade

7%

2 grade

3%

1 grade

4%

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Quality

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Service

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Nieceyshark Beaumont, CA

Great customer service and availability of atms everywhere. Recently had some questions about my account and was able to get my questions answered quickly.

5 days ago

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Michelle Thomas Anaheim, CA

Chase has been amazing! They were there when I needed to have credit and they even increased my line of credit by request. I paid on time and I did have a huge life change and had to ask for a little grace which they graciously extended. Their customer service was top notch.

4 weeks ago

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C. Ward Lutherville-Timonium, MD

Scammers had to dispute numerous transactions, but would get flagged when I was using my own cards at hotels for booking flights . They stole $ from me when SSI made a back payment deposit owed to me . Account was closed and funds were never returned. They justified keeping funds by reversing disputes that were already investigated and ruled in my favor

2 days ago

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Nikki R San Jose, CA

I am very happy with the benefits I receive from my Chase credit card. I feel that the value of the benefits is worth me using the card. The app is easy to use and easy to make payments. I would recommend.

2 weeks ago

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Kelsey T.L. Lansing, MI

Chase credit cards offer diverse options and decent customer service, but keep an eye on the fees and interest rates. I had a good experience interaction with their customer satisfaction team, but I only wish there were more variety for rewards and benefits. They are still a solid choice overall, though, especially considering their prioritizing of customers.

1 month ago Edited October 31, 2023

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Dahlia West Hills, CA

My Chase Visa is great! Visa is accepted everywhere unlike other credit cards. I have not experienced any issues while using my cradrds.

1 week ago

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Laurie Shannon-Bailey

I have the Amazon Chase credit card and I love absolutely their reward points system. I use them for gift cards at restaurants such as Red Lobster and The Cheese Cake Factory.

2 weeks ago

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David Hall Salt Lake City, UT

I've been banking with Chase for about 10 years since they financed my house. I was sad when they wouldn't let me refinance for a lower rate, so I went to someone else. I kept my checking and savings account with Chase. They are pretty good. Good app. Good website. I never need any customer help. Like most banks, you do get charged a service fee.

1 month ago

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Eric K New York, NY

Chase has been great for my credit card needs for both personal and business accounts. Their rewards are top in the industry and the app is easy to use to stay on top of my finances.

1 month ago

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Jeri Bryant

Love change cards with points to fly or get gift cards to give a gifts. Chase is always at the forefront of innovation in their industry. I use them for travel , amazon and everything . I like the help you get points with where buy on the app.

2 months ago Edited September 15, 2023

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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.

4 months ago

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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.

3 months ago

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Stephanie Ponce Hemet, CA

Chase is a bank I use to have. They’re in most places I travel so they are easily accessed which I enjoy when in vacation. Their costumer service is great!

1 month ago

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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.

5 months ago

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Allen Root Kissimmee, FL

Chase has been a great company. I have used their credit cards for several years. The Amazon card is my go to card as it adds points to use on Amazon. Customer service is easy To navigate and the personnel are courteous. And resolve any issues quickly.

3 months ago

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Stacey Wilder South Bend, IN

Chase has been a great asset for our company. They are accepted everywhere we travel. Their fraud department is actively protecting our company. They are quick to spot fraud and that gives a great sense of security. Their rewards for making purchasing have benefitted us greatly.

3 months ago

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Verified Customer

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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.

3 years ago

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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.

4 months ago

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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.

4 months ago

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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.

10 months ago

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Darleen

I love dealing with companies that have your back if something goes wrong. Chase is excellent dealing with their customer service. A+ from me.

1 month ago Edited November 1, 2023

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Kerry Bachmann Cheyenne, WY

I have been a Chase customer for years and always will be. It’s nice knowing this company goes the extra mile with customer service!

1 month ago

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Cathi M. Cartersville, GA

I have a Visa card with Chase. The payment process is easy and they offer promotional no financing charges. It has been great.

1 month ago

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Terry Salazar Eagle, ID

I love their customer service in the bank! They truly want to help you and make sure you are getting what you need. I also like that there is a financial advisor on staff for my investments.

3 months ago

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TC B Florissant, CO

Chase is finicky. I have had good and not so good experiences with Chase. Yes, they give high credit limits on their cards. So that is the good. However, twice I experienced identity theft with one of my cards that had a high credit limit- with out of the country charges. It was a bit annoying because I was clearly using the car in person in the US, yet all the sudden "in person charges" were also occurring in other countries- Brazil and Ukraine. I had to be the one to call them and go "ummmm these are not my charges." The charges, the places, the stores were not in any way the "norm" for my purchase history and so I feel fraud prevention should have been on top of it and flagged the activity. After the 2nd time, I was so frustrated. Yes, Chase removed the charges right away, but I feel in this day and age my card should have been blocked right away due to the suspected fraudulent activity and I should have been contacted by them. In the end, I chose to close my accounts with them because of these incidents.

3 months ago Edited August 11, 2023

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Suzie Blankenship Herndon, VA

I am loving this card. It's easy to use and notifies me of everything I'm using it for to make sure it's me before it processes it. Some may think that's a "little too much", but not me. It's my Go To card for almost everything.

4 months ago

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Ken Duvall Goodyear, AZ

I have been a BofA customer for years and finally got tired of their fees and very poor customer service!!! A friend spoke highly of Chase so I decided to give them a try. This has been a very good move. No fees, great customer service, if the tellers are busy a member of the management will step up and help out. Great Bank!!!

4 months ago

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Sherran Nutson Atlanta, GA

I am/have been a Chase customer for more than 15 plus years. Chase provides me with great financial tools and services. I liked that during the Pandemic, Chase customer service contacted me to ask if I needed assistance or needed to defer my payments without penalty.

4 months ago Edited July 17, 2023

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Bunny Garlington Weatherford, TX

I had a Chase Slate credit card awhile back. This card was accepted everywhere. I never had it declined as it is a well known brand. When I used it, I was sure in the knowledge that a purchase outside of my regular uses would be flagged for my approval or for me to decline. I paid it off and decided to go with another Brand's card.

5 months ago

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Allison Talbot Riverton, UT

Chase is extremely trustworthy and I have actually been trying to move my regular banking over. I signed up for the Amazon credit card years ago and it has been great. They have amazing offers, great customer service, a user friendly website, and you can track your expenses and credit score easily.

5 months ago

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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

6 months ago

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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.

4 years ago

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Terri Miguel Punta Gorda, FL

When I call about a problem or a charge I did not make I encounter very friendly and helpful staff. They solve the problem every time.

2 months ago

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Sandra Anderson Spring Hill, FL

I like everything about Chase. Their website is exceptional and easy to use. All the information I need is right there.

2 months ago

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Suzy Williston, ND

I have had issues with fraud and they were quick to help me out so that it could not happen again. Customer Service is really great.

2 months ago

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Nikki Console Woodway, TX

Chase is a great credit card to have. They have a great rewards system. It is super easy to understand. Their customer service is outstanding!

2 months ago

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Russ Hamstring Lake Havasu City, AZ

Chase has some of the friendliest employees and excellent customer service. I have never had an issue with them for the many years we've been banking with them.

3 months ago

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Kevin Ortiz

Chase banks seems to be one of those banks that are very selective and picky with customers that they choose to do business with. On its own these cards on paper seem to be great value. It is when you start comparing them to other cards that offer more for the same annual fee that you get to understand that these may not be the value that you are needing from a card. One area that Chase seems to be trailing. The pack is in cash back and rewards.

6 months ago

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Dixie Rounds Owosso, MI

Chase has been a valuable card for me. Although the interest rate is a bit higher than another card I have. Able to use it at Costco and Amazon easily. Customer service is good as well.

4 months ago

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Joseph Peterson Milwaukee, WI

LOVE Chase. I've used their Credit card for years and their banking on and off . The cc is great with wonderful service when I call in. Any issues with fraudulent charges are usually caught by them before I see them - they take care of them without an issue.

4 months ago Edited July 28, 2023

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Desdenova Puyallup, WA

Good service, a little slow on account standings but still good

1 week ago

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cindy g Victorville, CA

I love all of my Chase credit cards everything that they offer I love the fraud protection that they have. I have dealt with some issues in the past and they have been able to help me and fix my problems so anytime I use my card I don’t feel afraid to because I know they will always have my back.

6 months ago Edited May 24, 2023

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Matthew Ohmann Lake Placid, NY

I had this bank. How about 10 years ago when I lived in California San Diego. At first it was a good bank, but when it was time for me to move on and out of California, I had some problems when using my card across country in different states, I had problems with my balance when I would check on it. It made it seem like I had more money than I did which ultimately caused my account to go overdraft by a little bit which ultimately caused me to have four late payments. I called customer service and tried to explain my situation and they would only give me one late payment back. That left me with three late payments that I shouldn’t of had to pay as my current balance told me I had the money. Another situation when I leased a vehicle the dealership used Chase as my lender. I went to return my lease a month early because of a promotion I was given by the dealership to get a new vehicle. So I went and put a stop payment on the last months payment as the car salesman told me to and Chase still decided to the next day Go ahead and pay the dealership the last months worth, and instead of going to and talking to the dealer and taking back their money, they called me and tried to get me to pay that last month, which would’ve given the dealership an extra months worth of money when I didn’t have the vehicle the dealership did. Overall a couple not so good experiences with Chase but overall and OK bank to do business with.

7 months ago

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Kami T Pickens, SC

Great company that rewards customers frequently! I have been impressed with customer service when asking about setting my card up for certain benefits. They are extremely knowledgeable and very responsive to any questions I may have! True professionals!!

8 months ago Edited April 5, 2023

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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.

4 years ago

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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.

4 years ago

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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!

5 years ago

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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.

5 years ago

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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.

5 years ago

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William

The freedom card has worked very nicely for my family. 1% on purchase and 1% on paying bill.

2 weeks ago