Chase

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8.7

Overall Score

Chase

Chase offers APRs ranging from 0 to 23.24 percent*

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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

4.2

182 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
Mike Tierney
June 18th, 2018 Minneapolis, MN DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Good points plans, well received, good credit line, good web site.

Helpful?
Kati Biren
June 18th, 2018 Inver Grove Heights, MN DETAILS
Value for your money
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Customer service
Company trustworthiness

reasonable interest rate and we earn points that I can redeem quickly and easily.

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Steve Yates
June 18th, 2018 Hot Springs, NC DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

Great customer service, Better web site than other cards. Best reward program.

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Pat Ohagan
June 18th, 2018 Anadarko, OK DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Several times I had to contact them about unauthorized charges. Their response and resolution was perfect by my standards

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Neil McHugh
June 18th, 2018 Houston, TX DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Great benefits, easy to work with and good customer service

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maria
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

credit card interset rate to high. I am not happy with credit card interest rate

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Diane Wolfe
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

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Audrey Lyttle
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They always follow through with any issues that I may have.

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Angela Alexander
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Good cash back programs, low interest rates, good customer service.

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Pliny
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Poor cashback rewards. Chase pays the least amount of any credit card I use!

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Antoinette Garcia
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Rewards program is great the sign up bonus gave me 3 round trip tickets

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Cindy Delgado
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Always there when I call, very supportive with disputes.

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Sheryl Wilson
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

Helpful?
Homer Rodriguez
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Very prompt about notifying me when there are questionable charges and in managing fraudulent charges.

Helpful?
Randolph Parker
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

High interest rates and low lines of credit

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Emile Mervin
June 18th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They're just good. That's enough. I don't believe in bland statements to make up numbers in key stroke characters

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Tom
June 11th, 2018 Pleasant Grove, UT

Good credit card, that can be used everywhere. I like their online services to track spending.

Helpful?
Sadie Scoville
June 11th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

My dad uses a chase credit card and he really likes the cash back on it.

Helpful?
Amelia Gibson
June 6th, 2018 South Jordan, UT

Chase is my favorite bank because they are very organized.

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ellis
June 5th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Easy to navigate website, and make payments.

Helpful?
Norma
June 5th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Balance question rep answered all my questions and was very efficient

Helpful?
Jim Crawley
June 4th, 2018 Provo, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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!

Helpful?
Kristin
May 31st, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

One of the best companies out there. You should feel very secure when borrowing money or considering getting a bank loan .

Helpful?
Avery Fowler
May 31st, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

Helpful?
CAROLE SCOVILLE
May 31st, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

Helpful?
Joanna Hester
May 29th, 2018 Gilbert, AZ DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Use our credit card for everything and love the points we get to buy gift cards of flights!

Helpful?
Noelle Crawley
May 29th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

Helpful?
Stacy
May 16th, 2018 Salt Lake City, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

Helpful?
Samantha
May 4th, 2018 Millville, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

This is my favorite credit card to use! Low interest, and even had zero interest for the first year I had it!

Helpful?
Vicki A Michaels
May 2nd, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I like their website and cash back rewards.

Helpful?
Casey
May 1st, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Love the customer service associated with chase credit cards. The account website is easy to understand and navigate.

Helpful?
Amanda
April 16th, 2018 Sherwood, OR DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Love their amazon credit card! Great reward program! Easy app to use!

Helpful?
Michael
April 16th, 2018 Ogden, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Great intro rate for the first year. No interest

Helpful?
Maryayb
April 11th, 2018 Draper, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I love my chase Marriott Rewards card! I love earning points towards stays at Marriott hotels worldwide!

Helpful?
Sichuan
March 5th, 2018 Canton, OH DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Absolutely the best. In my opinion, Chase is the industry leader due to the company's professionalism and outstanding customer service.

Helpful?
card user
March 5th, 2018 Hendricks, MN DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

very good, I've had no problems in my dealings with Chase Visa

Helpful?
Clint
March 5th, 2018 Gilbert, SC DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Great Company!! Great Awards offered. They offer cash, Amazon deals, money towards your bill, gift cards to multiple places.

Helpful?
Anonymous
March 5th, 2018 Peoria, AZ DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Rude customer service, they make you feel inadequate if you dont read the fine print

Helpful?
Leena
March 5th, 2018 Cupertino, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Very good experience with travel points and booking online

Helpful?
Tc85
March 5th, 2018 Chula Vista, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

Helpful?