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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.

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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

Star Rating

4.4
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294 Reviews

Review Breakdown

5 star
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4 star
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3 star
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2 star
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1 star
5%

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Victoria
October 14th, 2019 American Fork, UT DETAILS
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Chase is super easy to work with and they give great benefits for your credit card! I have the Chase Freedom Unlimited card and I love it!

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sydney clark
October 14th, 2019 Gilbert, AZ DETAILS
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I love this bank, but my favorite thing about it is the Disney card. I love how convenient it is to get discounts at my favorite vacation spot!

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Jon Scoresby
October 14th, 2019 Saratoga Springs, UT DETAILS
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I've had the chase amazon card for years. It's a visa and has been good. The best part is that with every purchase we get amazon points and over time earn enough to get things for free from amazon.

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Cameron Clark
October 14th, 2019 Provo, UT DETAILS
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You use Chase for the customer service. I love how friendly they are on the phone and how easy their apps are to use.

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ave
October 9th, 2019 Pleasant Grove, UT DETAILS
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We use a Chase Credit card for all of our purchases and like that we get points every time we use it. We get cash back or can use the points from purchases. Overall, Chase is one of the best credit cards we have ever had!!! Love it!

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Mr. & Mrs. L Forst
October 9th, 2019 Redondo Beach, CA DETAILS
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We’ve had no problem with them. We like their reward program. We can use them everywhere.

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bailey jo
October 9th, 2019 Orem, UT DETAILS
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The process to the get the card was tedious but the I've loved my credit card. I've been able to use it almost anywhere I've wanted with little to no problems.

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Dave Ros
October 8th, 2019 Pleasant Grove, UT DETAILS
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I've been with Chase VISA for many years now. I have appreciated their quickness to call me if they see unusual activity on the card. their customer support team is great!

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Zac Marx
October 8th, 2019 Brighton, CO DETAILS
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I use my Chase credit card often. I like the designs of the card and the lower rates on it. Chase is also accepted almost everywhere and gets great rewards back.

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Sarah Watters
October 8th, 2019 Quinlan, TX DETAILS
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Chase is my trusted name for all my financial needs. Their card has great benefits and is easy to use.

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Meredith anderson
October 7th, 2019 American Fork, UT DETAILS
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I love my chase card and the travel rewards and perks it comes with. The customer service is great too. The one I use for everything.

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Amy Boren
October 7th, 2019 American Fork, UT DETAILS
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We love our chase cards. They are great with notifications for protection and they have great rewards. They are always great when we call with concerns.

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Jami Howell
October 7th, 2019 Farmington, UT DETAILS
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Very straight forward and easy to work with. They have so many places to go into around the country so if I have any questions, I can always go in and ask. The process to get a credit card through them was long but it has been worth it.

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Don Boren
October 4th, 2019 American Fork, UT DETAILS
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I really liked their special Black card. It had the metal core in the card that made it heavy and it felt really cool in my hand. The customer service is very good.

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camron
October 1st, 2019 Rexburg, ID DETAILS
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Ive been with chase for 8 years and they have been the best. I have other accounts with Discover and American Express, yet Chase is still on top by far. Their rewards program through Sapphire reserved has paid for an entire trip to Europe just from the expenses I would have been paying otherwise. They have also given me special bonuses every now and again like a 5% APR for the year, just because I've been with them as long as I have. I would highly recommend them for both a checking account as well as a credit card.

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Rachael
September 30th, 2019 Saint George, UT DETAILS
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I have nothing but good things to say about Chase! I’ve had an account with them for years and every experience I’ve had with customer service, in my local branch, and using the app has been positive. By far my favorite bank.

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Aliza Henline
September 30th, 2019 Provo, UT DETAILS
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I have had chase for such a long time. I love the people who work there and how much they are willing to help me! I also love the college student account.

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Emma Macfarlane
September 17th, 2019 Pleasant Grove, UT DETAILS
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One of the things I like about credit with Chase is how user friendly their sites are. And costumer service treats you like a real person! Trustworthy, easy to use, and NICE.

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Joy Hill
September 12th, 2019 Pleasant Grove, UT DETAILS
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Love my chase card - the downloads work really well with my Quickbooks application. Great customer service.

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Darrin Henry
September 9th, 2019 Pleasant Grove, UT DETAILS
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I have at least 4 chase credit cards and the rewards are great. We use the rewards system for travel and entertainment.

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Scotlynn Blair
August 28th, 2019 Phoenix, AZ DETAILS
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I love chase. You can find it anywhere and it always has good options. I really think that they have your best interest at heart.

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Chloe Adams
July 11th, 2019 Morgan, UT DETAILS
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Chase provided a great first credit card user experience. If I had questions, I called the number on the back and didn’t have any issues paying them off. I received an email and bill in the mail when payments were due and was able to have an easy time accessing my account.

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Mick
June 27th, 2019 Salem, OR DETAILS
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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.

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George Urban
June 27th, 2019 Austin, TX DETAILS
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no surprises, great fraud protection

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Shanae Boully
June 24th, 2019 Kaysville, UT DETAILS
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I have a Chase credit card and I love it. I get cash back and haven’t had any problems.

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Valerie Shull
June 18th, 2019 Gilbert, AZ DETAILS
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Chase rocks! They want to help you in the best most effective ways and always check up to make sure that they did just that. Love them

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Jacob Ball
June 18th, 2019 West Jordan, UT DETAILS
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A lot of great deals on their credit cards and customer service is comparable to AMX

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Maryn skinner
June 17th, 2019 Gilbert, AZ DETAILS
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Just started a credit card with chase a few months ago and have loved it. They make is so easy to start one and and are very helpful to make sure it is the right thing for you.

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Jeremy Balls
June 13th, 2019 Kaysville, UT DETAILS
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I have several rewards credit cards through Chase. They are straight forward and easy to understand and use. Never had any issues. It is nice that I can move my approved credit between credit cards.

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Ken Francis
June 12th, 2019 Provo, UT DETAILS
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I appreciate the easy user interface. It is a good banking service. Their credit cards are good. I use my preffered unlimited card all of the time.

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Christina Balls
June 10th, 2019 Kaysville, UT DETAILS
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We use Chase credit cards to build up points for travel. It seems to be worth it so far.

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Anne Sainsbury
June 10th, 2019 Payson, UT DETAILS
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I worked as an accountant for a small company, and we used Chase as our Credit cards! I loved the ability I was able to see the companies Credit Card reports so easily, and our company got great interest rates!

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Alyssa skinner
May 28th, 2019 Gilbert, AZ DETAILS
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I recently had to go into Chase to get a credit card and my experience with them was great! The employees helped me get what I needed and made sure I understood everything!

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Beth Farmer
May 24th, 2019 Pleasant Grove, UT DETAILS
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We love our Chase credit card. We get points back on it and you can pick gift cards or just cash back into your account. We never leave money on the credit card so I don't have experience with their interest rates because we are never charged interest. But I do like the cash back. I was very impressed when our card was being used by someone we didn't know online. They caught it immediately and called to let me know they'd need to shut it down. They reimbursed us for each payment the person had made. Very impressive and I felt safe being their customer.

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Hannah Anderson
May 24th, 2019 Provo, UT DETAILS
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Employees and Tellers are always helpful and kind. This bank also has an easily accessible app! Their credit cards are easy to open and I have had great success with mine.

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Reese
May 20th, 2019 Pleasant Grove, UT DETAILS
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I am a fan of Chase credit cards, as they have the name of Chase behind it and have great rates, that will go down over time. Easy to manage over time and they have great customer service that has helped me a time or two with late fees and when I forget to pay of time. They also had some good promotions for cash back that made my spending even better.

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Cathie Chavez
May 16th, 2019 Banning, CA DETAILS
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I have this card it’s ok i have never had any problems with them,they are good about helping when there’s a problem

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Scott
May 15th, 2019 Orem, UT DETAILS
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We love our Chase Credit Card. We have banked with Chase for quite some time and the credit card we have through them is perfect for our needs. The benefits and options it comes with are an added bonus. Even if you don't bank with Chase you should absolutely look into the Chase Credit Card.

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Craig
May 15th, 2019 Orem, UT DETAILS
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Great card with great benefits. I love the no annual fee card that I have because it still offers benefits. I have never had a problem with my Chase card!

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Ashley
May 9th, 2019 Pleasant Grove, UT DETAILS
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I own the Chase Marriott Bonvoy boundless credit card. I travel often and the chase credit card gave me 100,000 bonus points on purchases after my first 3 months of spending. I earn free stays a lot faster with my Chase card. There is not a bank I trust more than Chase and their reputation.

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Rob Whipple
May 6th, 2019 Mesa, AZ DETAILS
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Good help with customer service. They have a higher interest rate than my other credit cards. Easy online information.

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Sandra Bailey
May 2nd, 2019 Indianapolis, IN DETAILS
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I've had a very good rate with them for 20 years.

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Constance Goren
May 2nd, 2019 Bloomfield, NJ DETAILS
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Very good customer service and always willing to assist i difficult situations

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Tyler Mansfield
April 15th, 2019 Provo, UT DETAILS
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You definitely can't beat the 1.5% cash back. I've had some small issues with the app connecting to my credit score, but besides that, all good things.

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Maurice
March 28th, 2019 Newark, NJ DETAILS
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I just signed up for a chase credit card. My credit score is 740 and they denied my application. I have 7 credit cards and never got denied.

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Audrey Jane Budzynski
February 26th, 2019 DETAILS
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Not very good. They have been a very poor company to deal with. They want your check in the mail before you ever get the Bill. The want access to your Bank Account. I won't do that.

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S Suguturaga
February 13th, 2019 Orem, UT DETAILS
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I did not have a great experience with the customer service support but this was several years ago. It may have changed with industry regulations in the past few years but I have no desire to reconvene business at this time.

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Michelle De Oliveira
February 13th, 2019 American Fork, UT DETAILS
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I have the Marriott Rewards chase card and love it. I love to travel and hotels can be so expensive, so using points to pay for the hotel really makes traveling more affordable. I also like that I get a free night at a marriott each anniversary of my card opening date which offsets the annual fee.

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Jonas De Olveira
February 13th, 2019 American Fork, UT

I have the marriott rewards card. I travel often for work and try to stay in marriotts as often as I can, so the bonus points I get for using the card add up fast. I get a free night once each year, so I don't feel bad paying the $85 annual fee.

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Ponch Thompson
February 13th, 2019 South Jordan, UT DETAILS
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We have a Chase Visa. There is nothing fancy. 1 pt per dollar. Use to pay down balance or get gift cards, Decent Card. The customer service has been good when we had to dispute a purchase. It did, though, take forever to get a replacement card.