Chase

8.9

Overall Score

133 User Reviews

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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.

User Reviews

4.2

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10

Joel Marquez

January 22nd, 2018 Tucson, AZ DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

i love em the rewards are awesome i went to bank to raise my limit and had $170 bucks there Belem my banker intantly help me out and got me those 170 buck back into my account

Helpful?

10

Matt DuFresne

January 22nd, 2018 Castle Rock, CO DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Reliable card with no security issues so far and I like the cash-back incentive.

Helpful?

10

Mike Tierney

January 17th, 2018 Union City, Ca DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great line of credit and easy on-line access.

Helpful?

8

sally hicks

January 15th, 2018 Canyon Lake, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

actually give back 1.5% and 5% on certain items, when I have questioned charges, any issues has been resolved

Helpful?

10

Joe Yurkovich

January 15th, 2018 Georgetown, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Accepted everywhere and very responsive customer service

Helpful?

10

Frank Corbin

January 15th, 2018 Richmond, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have had good service with my Chase United Mileage Plus card. My transactions are accurately processed and I find their website easy to use.

Helpful?

8

Huntington

January 15th, 2018 Vancouver, WA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Decent cash back, fees are a little excessive and often unnecessary. Bad customer service 90% of the time.

Helpful?

8

Mandy

January 15th, 2018 Fulton, NY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They offer excellent cash back opportunities.

Helpful?

8

Patricia

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

It is a pretty good card, accepted everywhere.

Helpful?

10

Carolyn Quist

January 9th, 2018 Fort Worth, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

rewards capability for free hotel nights

Helpful?

10

Michelle Owen

January 8th, 2018 Salt Lake City, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

good. works nicely with the partnership with amazon

Helpful?

10

Pat Ohagan

January 3rd, 2018 Fort Myers, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have never had any billing issues, the billing date remains constant, and the one time I had a fraud issue they handeled it quickly and painlessly

Helpful?

10

Randy Croston

January 3rd, 2018 Fairfax, VA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

never a problem with them, if i have a dispute they get on it right away

Helpful?

6

Nabil Battah

January 3rd, 2018 Warren, MI DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

High interest rate compared with many other credit cards.

Helpful?

10

Greg Thurgood

January 3rd, 2018 Mapleton, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Chase Amazon has saved us hundreds of dollars. They no longer have foreign transaction fees, 5% back on Amazon is unreal. They even made the card from a piece of metal is

Helpful?

10

Marc Reeves

January 3rd, 2018 Durham, NC DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Generous credit line and great on-line site.

Helpful?

8

Donna Shanahan

December 18th, 2017 Bigfork, MT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Interest rate is the lowest of any I have ever used ..good service

Helpful?

2

MVK

December 18th, 2017 Riverview, FL' DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

The company does not stand behind you when there is a purchase that is not legit or ethical

Helpful?

10

Odessa FL

December 18th, 2017 Odessa, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Never a problem and excellent customer service.

Helpful?

10

Audrey Shoff

December 18th, 2017 Wildwood, NJ DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Good service,good rewards,great response on issues plus points make sense

Helpful?

8

Gary Hall

December 18th, 2017 Washington, UT' DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Good card - easy to see online and pay online. Great reminders and warnings

Helpful?

10

Sheryl Wilson

December 18th, 2017 Pleasant Grove, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They have low interest rates and a great rewards program for flights.

Helpful?

10

Dave J

December 18th, 2017 Killeen, TX' DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Never an issue and easy to work with if some sort of transaction problem occurs.

Helpful?

8

AmyKamerow

December 18th, 2017 St. Louis, MO DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

good rewards points but high interest rate

Helpful?

10

Christopher Fulgham

December 18th, 2017 Oak Lawn, IL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great customer service. Review for increase periodically.

Helpful?

10

Suzanna Wootton

December 16th, 2017 Springville, UT

I have nothing negative to say about Chase! They are kind and friendly whenever I have to interact with them and I LOVE my chase freedom card. I use it for everything and i get cash back every single month. It's awesome!

Helpful?

10

Ellen Hill

December 11th, 2017 New Bern, NC DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Awesome customer service. Great cashback/rewards system.

Helpful?

2

K R

December 11th, 2017 Suisun City, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Does not care about their credit card holders. Difficult to deal with.

Helpful?

10

Bruce Thomas

December 11th, 2017 Dallas, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Chase IHG card has the most usable travel rewards points program I have found.

Helpful?

10

Stephen Gans

December 11th, 2017 Bronx, NY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are quick to post payments and charges, whereas Citi is awful.

Helpful?

10

David C

December 11th, 2017 Stockton, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

great Web site. great customer service ??

Helpful?

10

Carol Pena

December 11th, 2017 Melville, NY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are very good with interest and helpful when you call and easy website to use.

Helpful?

10

Carl J

December 11th, 2017 Rancho Mirage, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they do what they say will do, and perform above average. they are also a national bank with offices all over

Helpful?

10

venkatesh shrinivas

December 11th, 2017 San Antonio, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Best benefits for a Travel card I have used, Even though annual fee is more.

Helpful?

10

Lindsey

December 6th, 2017 American Fork, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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.

Helpful?

10

Evan Rasmussen

November 29th, 2017 Sandy, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Another great credit card company that is overall good

Helpful?

2

Danielle

November 29th, 2017 Syracuse, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

As an employee from a company who uses Chase daily, i've been very disappointed in how they treat me, a customer. I bring business from 10 different accounts, and everytime i walk in to make a deposit, i get treated like im in the wrong for bringing in so many deposits. I've been tempted MANY times to change banks.

Helpful?

6

Vickie Washburn

November 28th, 2017 Owasso, OK' DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

interest rates are way too high. I will be paying off cards and keeping them paid off.

Helpful?

8

Corrine

November 28th, 2017 Miami, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are very helpful when you have a problem with people you deal with.

Helpful?

10

DENISE DONARDT

November 28th, 2017 Jonesville, NC DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

card was easy to apply for and I use it in case of emergency.

Helpful?