Chase
8.7
Overall Score3 days ago
Chase
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Chase, which merged with JPMorgan & Co to become JPMorgan Chase & Co in 2000, is one of the "big four" banks in the United States. The company offers a number of financial services, including credit cards and banking.
The Good
- APRs
- Rewards
- Fraud Safeguards
APRs
Chase offers some cards with an introductory rate of 0 percent for the first 15 months. After that, rates rise to 15.74 to 24.49 percent*, which is very competitive among rates offered by other top credit card companies.
Rewards
Chase offers several rewards programs that allow cardholders to earn cash back rewards, bonuses, and travel points.
Fraud Safeguards
Chase works to help its customers reduce losses by catching fraudulent activity before it causes serious damage by offering monitoring and verification services. Visit Site
The Bad
- Annual Fee
- Late Payment Penalty
- Foreign Transaction Fee
- No Free Credit Score Tracking
Annual Fee
Depending on the card, Chase charges annual fees up to $95, which is higher than industry average.
Late Payment Penalty
Late payments will incur fees of $15 to $37 dollars.
Foreign Transaction Fee
Chase charges a fee of 3 percent for foreign transactions, which can be deterring for frequent travelers.
No Free Credit Score Tracking
Some companies in the industry allow their cardholders to monitor their credit scores for free. However, Chase does not offer this service.
The Bottom Line
Chase offers competitive APRs, several rewards programs, and a number of fraud safeguards. However, the company charges a few different fees, including annual fees, late payment fees, and foreign transaction fees. Further, Chase does not offer free credit score tracking.
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User Reviews
Good points plans, well received, good credit line, good web site.
reasonable interest rate and we earn points that I can redeem quickly and easily.
Great customer service, Better web site than other cards. Best reward program.
Several times I had to contact them about unauthorized charges. Their response and resolution was perfect by my standards
Great benefits, easy to work with and good customer service
credit card interset rate to high. I am not happy with credit card interest rate
Interest rate is too high. When you are never late on a payment you should be able to earn a lower interest rate. I like being able to make payments on line. So far no issues with false charges or someone stealing by identify and susing the card online.
They always follow through with any issues that I may have.
Good cash back programs, low interest rates, good customer service.
Poor cashback rewards. Chase pays the least amount of any credit card I use!
Rewards program is great the sign up bonus gave me 3 round trip tickets
Always there when I call, very supportive with disputes.
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.
Very prompt about notifying me when there are questionable charges and in managing fraudulent charges.
High interest rates and low lines of credit
They're just good. That's enough. I don't believe in bland statements to make up numbers in key stroke characters
Good credit card, that can be used everywhere. I like their online services to track spending.
My dad uses a chase credit card and he really likes the cash back on it.
Chase is my favorite bank because they are very organized.
Easy to navigate website, and make payments.
Balance question rep answered all my questions and was very efficient
I'm a new Chase customer. I've been impressed by Chase's professional customer service and ease of enrollment. We received our credit cards quicker than we anticipated. Great service!
One of the best companies out there. You should feel very secure when borrowing money or considering getting a bank loan .
I have had my chase credit card for years and enjoy the benefits of their rewards program. I pay on time and if I ever have problem they are always available. I lost my card and they sent me new one right away and made sure that I was covered.
Chase is great and always very helpful when I have a question - I only wish that they allowed for more than 180 days of data download at a time.
Use our credit card for everything and love the points we get to buy gift cards of flights!
I just got the Chase Saphire Card and love it. I use it for everything and already gotten enough points to buy 2 round trips tickets to Florida.
It's okay. I have never had a problem with it. I use my points at different online dealers. Easy payment system. Good card when you are starting out to build your credit.
This is my favorite credit card to use! Low interest, and even had zero interest for the first year I had it!
I like their website and cash back rewards.
Love the customer service associated with chase credit cards. The account website is easy to understand and navigate.
Love their amazon credit card! Great reward program! Easy app to use!
Great intro rate for the first year. No interest
I love my chase Marriott Rewards card! I love earning points towards stays at Marriott hotels worldwide!
Absolutely the best. In my opinion, Chase is the industry leader due to the company's professionalism and outstanding customer service.
very good, I've had no problems in my dealings with Chase Visa
Great Company!! Great Awards offered. They offer cash, Amazon deals, money towards your bill, gift cards to multiple places.
Rude customer service, they make you feel inadequate if you dont read the fine print
Very good experience with travel points and booking online
I got a bonus rewards when I open a creditcard in Chase with no annual fee. I used it for a while and got a good cash back.