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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.
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:
Points are generally worth 1 to 1.5 cents.
The following Chase-branded cards earn Chase Ultimate Rewards:
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.
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:
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.
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:
After the introductory/promotional period, your APR will typically range from 14.24 percent to 23.49 percent depending on your card and creditworthiness.
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:
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.
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.
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.
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.
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.
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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