Best Company Guarantee Chase Logo

Chase

star star star star star_half
625 User Reviews

7.4

Overall Score

LAST UPDATED: April 18th, 2022

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.

thumb_up

The Good

  • Chase Ultimate Rewards Program
  • Co-branded Credit Cards
  • Low Introductory APRs
  • Free Credit Score Monitoring
  • Positive Customer Reviews

Chase Ultimate Rewards Program

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:

  • Cash back
  • Travel
  • Gift cards
  • Amazon and Apple purchases

Points are generally worth 1 to 1.5 cents.

The following Chase-branded cards earn Chase Ultimate Rewards:

  • Chase Sapphire Preferred®
  • Chase Sapphire Reserve®
  • Chase Freedom®
  • Chase Freedom Flex℠
  • Chase Freedom Unlimited®
  • Ink Business Cash®
  • Ink Business Preferred®
  • Ink Business Unlimited®
search

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.

Co-branded Credit Cards

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:

  • Southwest Airlines
  • United Airlines
  • British Airways
  • Aer Lingus
  • Iberia
  • Marriott Bonvoy
  • Hyatt
  • IHG Hotels
  • Disney
  • Starbucks
  • Amazon Prime

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.

Low Introductory APRs

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:

  • The Chase Freedom Unlimited® and Chase Freedom Flex℠ credit cards offer a 0% intro APR for 15 months from account opening.
  • The Disney® Premier Visa® and Disney® Visa® credit cards offer a 0% promotional APR for 6 months on select Disney vacation packages from date of purchase.
  • The Ink Business Cash® and Ink Business Preferred® credit cards offer a 0% intro APR for 12 months from account opening.

After the introductory/promotional period, your APR will typically range from 14.24 percent to 23.49 percent depending on your card and creditworthiness.

Free Credit Score Monitoring

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:

  • Check your score — get your credit score at any time without affecting your credit
  • Protect your credit — protect yourself from identity fraud
  • Receive real-time alerts — get alerts when your credit score changes
  • Get personalized insights — learn how you can build and maintain your credit

Positive Customer Reviews

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.

Review Icon

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.

Visit Site

thumb_down

The Bad

  • Annual Fees
  • Foreign Transaction Fees
  • No Secured Credit Card Option

Annual Fees

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.

Foreign Transaction Fees

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.

No Secured Credit Card Option

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.

gavel

The Bottom Line

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.

Was this content helpful?
thumb_up Yes thumb_down No

bestcompany guarantee

Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $100. Yes, it's really that simple.

Learn More

Star Rating

4.5

star star star star star_half

625 Reviews

Review Breakdown

5 grade

65%

4 grade

23%

3 grade

6%

2 grade

3%

1 grade

4%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star_border

KW Seattle, WA

We have a credit card through Chase. What can I say... it's just like any other credit card (high interest rate and high late fees). So far customer service has been mostly responsive. I backed a Kickstarter project in 2019 and used my Chase card to pay for it. However, the project developer has turned out to be quite flakey and never sent the backers the product we paid for, so I reached out to Chase to try to get a refund. Chase claims their hands are tied and they cannot provide a refund due to the length of time that has now passed. I found their response too generic and somewhat uncaring for the strange situation. Other people who backed the same project have claimed that they got a refund from Chase, so I don't understand how they make their decisions. At any rate... their product (a credit card with rewards) works for my needs. Aside from the refund they refused to give me, they've been there when I needed them.

1 month ago

star star star star star

Cathy Lee Gettysburg, PA

I have had 2 Chase cards - both with Chase being the banking entity for another company. I have been pleased with Chase in both instances - their customer service has been easy to deal with. In addition, if you need to go into a brick and mortar bank, they're nationwide.

2 months ago

check_circle

Review Source

star star star star star

Judy Fred Narragansett, RI

Chase is a superior credit card company (bank). They offer reasonable rates, flexible payment options, and a phone app that is a breeze to use. The technology is spot on. I love that I can just "tap" and go. I have other cards, but this is my "go to" card! Love my loyalty rewards -- so many options!!

1 month ago

check_circle

Review Source

star star star star star

G. W. Columbia, SC

Awesome features! Chase credit card services go beyond just credit card usage. You can actually use their card when renting a vehicle and don’t have to pay for extra vehicle insurance coverage because it’s covered by using their card for the rental. I also love the connection with Amazon card services.

1 month ago

check_circle

Review Source

star star star star star

J. D. Maney Pensacola, FL

I applied for and received a Chase credit card through Amazon. It was one of the best decisions I ever made as I shop at Amazon frequently and can choose to use my Chase card to pay for my purchases. And from Amazon, I get monetary rewards for using it! Can't beat that. Oh, and Chase ALWAYS verifies my identity whenever I log in to my account. That makes me feel very, very secure in their ability and willingness to go the extra mile to make sure my account is secure!

2 months ago

star star star star star

Chad Edgar Wentzville, MO

I love my Chase card it's so easy to access use ATMs anywhere also has overdraft protection has reoccuring payments on anything or just a personal savings account throw $2 a month into it every month or something awesome place to direct deposit your money's I do thank you Chase

3 months ago

check_circle

Review Source

star star star star star

Saraswati Manandhar Herriman, UT

I have my checking and saving account at Chase. I do not have to drive longer even I moved, they are mostly found closer. Due to online banking, high school account, locker, ATM, chase has made my life better. Also, during opening of the account, sign in bonus has helped me financially too. Also, they have very good customer service. I will recommend this bank.

3 months ago

check_circle

Review Source

star star star star star

Joseph Zajac Hazleton, PA

I've used Chase for a number of years. I used to have a car loan with them that was at a very fair rate. Most recently I opened a Chase credit card that ties to Amazon and I'm very pleased with it. It gives me 3% cash back on purchases with Amazon and it's also available for use at any retailer or anyone that accepts the Visa card. In addition the signature Visa that I obtained came with a sign on bonus of $100 in Amazon credit which is now actually increased to what I understand to be $150. It's a great way to shop Amazon and the card also allows you to break payments into six even parts with Amazon shopping that have no interest so it becomes the same as cash. It's a really good promotion and a very fair credit card and payment arrangements structure.

4 months ago

check_circle

Review Source

star star star star star

Bill lucky Dobbs Ferry, NY

I have never had a problem with chase credit cards. Their customer service is helpful and knowledgeable whenever there has been a problem with a merchant.

1 month ago

check_circle

Review Source

star star star star star

Daughter of the King

I love the security of Chase and the ease of using the bank. I wish there were more in my area however. Most of the employees that I have me have been extremely friendly and knowledgeable.

2 months ago

check_circle

Review Source

star star star star star

Erica Reynolds

I was drawn to Chase because of their referral bonuses! I opened a bank account with them to start saving. I also ended up getting a Chase credit card through Amazon. I've gotten alot of cash back rewards that I've been able to use straight from Amazon. It's my favorite card!

3 months ago

check_circle

Review Source

star star star star star

Yuli Gallardo Delray Beach, FL

I have been a Chase Credit Card customer since I got my first line of credit around 2006 and have stayed a loyal customer since then. I enjoy and have used their rewards program a lot of times and their VISA card gets accepted everywhere I go which gives me a piece of mind when going shopping or dining out.

3 months ago

check_circle

Review Source

star star star star star

Korinne C Riverton, UT

I currently have an Amazon credit card through Chase and it has been great. I use it so often that I get a lot of Amazon points to go towards more purchases. The Chase website is easy, clean, and modern. We plan on keeping that card for a long time.

3 months ago

check_circle

Review Source

star star star star star

Alicia Mesa, AZ

I have used Chase for a credit card in the past and had no issues with them. Their cards were in the mail before the old ones expired and when we needed to make a change on our account, they were there and happy to help! No complaints!

3 months ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Andrew Weckerly

I always get right through to a real person when I call in. Their vacation protection, price drop protection, and extended warranties have all saved me money and been pretty painless experiences. Ultimate rewards is also a really seamless experience that provides tremendous value when transferring to travel partners.

1 year ago

check_circle

Review Source

star star star star star

Barbara Luke Chicago, IL

I use my Amazon Chase card for all Amazon purchases because of the cash back. My other Chase card is through Southwest Airlines. I rarely use that, however, they just implemented a payment plan without interest over time, without fees for a short time. That makes it more likely I will use that feature since I haven't been able to travel much the past few years.

4 months ago

check_circle

Review Source

star star star star star

RONALD WHITE Show Low, AZ

Best customer service I have ever had with a credit card and I have 4 cards through them. In case of fraud, they are on it before I have even known about a problem. They shut down use of my card and I get a text message or email letting me know of fraudulent use. When I have lost or misplaced my card, they shut down the card and overnight me a new card since I am a valuable customer to them. Thanks Chase CC Department

4 months ago

check_circle

Review Source

star star star star star_border

Steven Whites West Valley City, UT

I am with Chase bank due to my Amazon credit card. As long as you pay it off every month you don't get charged the extra interest rates that credit cards charge you. Plus with your Chase Amazon card you spend money on Amazon with it and you get 5% back on everything off of Amazon. Then you get 1-3% back on groceries, gas, restaurants, etc. This money comes back to you as a credit on your account. So you get the option to buy gift cards, spend it on Amazon, or the best part is use this money to pay on your Chase credit card which is the best option overall. Plus Chase bank offers credit journey reporting so you can check your credit score for free every few weeks to see updates to your score. I would highly recommend using Chase Bank ONLY with the Amazon credit card. I actually used their actual bank account and they charge you a $25 fee or so monthly if you don't have its either $500+ or $1500+ in your bank account OR this fee is waived if you use direct deposit so that makes it easy to bank with them.

5 months ago

check_circle

Review Source

star star star star star_border

MGW San Jose, CA

I've had mixed experiences with Chase. Currently I have both a credit card and car loan with them, and both of those are fine. The car loan has been completely worry-free. I can't complain in the least. The credit card is ok. I haven't had any issues. It's a rewards card and their rewards are ok, but not great. I pay off all credit card balances every month, so the reason for me to use any specific card is the rewards or some other feature like no foreign transaction fees. Chase charges foreign transaction fees, so I don't use their card when I travel. I've been lucky that I haven't run into any fraud with their card, so I can't say what that will be like when it happens.

5 months ago

check_circle

Review Source

star star star star star

Queen Shavy Miami Beach, FL

As far as banks go their service is good. Some locations may have unhappy workers but mostly they are helpful and courteous

1 month ago

check_circle

Review Source

star star star star_border star_border

Jerry Williams Dallas, TX

The biggest part I don't like about Chase is their constant lower credit scores compared to other financial institutions. I consistently see Chase come in 20 to 30 points below other banks.

1 month ago

check_circle

Review Source

star star star_border star_border star_border

Jennifer B. Nashville, TN

Disappointed that whenever I have a problem with a vendor or transaction on my Chase card, they cannot seem to offer help but they are glad to take my service fees and interest for their card I’ve used for almost twenty years. I would like to see a little more consumer and customer advocacy out of Chase considering the rise in fraud and bad vendors we are seeing and considering how much money they make off of their customers.

2 months ago

check_circle

Review Source

star star star star star_border

Megum Povsha Bozeman, MT

Easy to use website and fantastic online services. They have a 24 hr helpline, quick and fast online and in branch banking. Safe and secure online banking. Chase is a very safe and secure bank to be with. Good mobile app as well.

3 months ago

check_circle

Review Source

star star star star star_border

Keerthana Manivannan Santa Clara, CA

Good bank account options, and credit card options. An actual person from Chase Banking called me to check how I'm doing and followed up on my experience with switching to the Chase Bank account. I found that to be really awesome. They really do care about customer satisfaction. Very good company. I recommend to all my friends.

3 months ago

check_circle

Review Source

star star star star star_border

Ron Thurgood Denver, CO

Overall I am happy with the credit card. I have found the web access to the account to be very useful, and I also have access from 3rd applications for downloading and tracking of expenses. I have had some unexpected fees that I wasn't fully in agreement with. Which is why they get 4 of 5.

3 months ago

check_circle

Review Source

star star star star star

Steve Harris Baton Rouge, LA

I have chase bank for my business and personal accounts, Also, I have 3 personal credit cards with chase and 2 business credit cards. I've never had any issues and they've always been very helpful.

3 months ago

check_circle

Review Source

star star star star star_border

letsgogreen12 Macomb, MI

I use Chase Bank for just about everything. I have a debit/credit card. My only complaint is that a lot of the in-person locations have closed and it is recommended to go online for services. I prefer in-person service, especially with all of the banking scams going on around the world. Their in-person staff has always been courteous and efficient.

4 months ago

check_circle

Review Source

star star star star star

Alexandria Lekberg Chesterfield, VA

I love banking with Chase. They are always very kind and helpful when I go in. The only downside is that there are not Chase banks everywhere in the United States. They just added a new Chase bank near me for the first time and I have lived in Virginia for nine years. I am very grateful they are growing!

4 months ago

check_circle

Review Source

star star star star star

Daniel Cebrero Henderson, NV

One of my first bank accounts was opened here and it’s my one and only bank account I kept. They always have my back for any issues. Fraudulent, overdrawn etc. They are one of the biggest on the game for a reason and I’ve had their credit card since the start. Their points back system is one of the best and i love their service

4 months ago

check_circle

Review Source

star star star star star

Steven Shimmin

Thrilled with the Chase services through credit card and investment services. Good rates and great incentives and rebates on your spending. Customer service and employees are friendly, helpful and top notch. So proud to be part of the Chase family

4 months ago

check_circle

Review Source

star star star star star

Sarah Biondo Gilbert, AZ

We have a couple of chase credit cards and have bigger credit limits on them after being customers for awhile. Everything is easy and we also seem to have great 0% balance transfer options that we love and take advantage of. Customer service is always helpful.

4 months ago

check_circle

Review Source

star star star star star_border

Jlbfla New Braunfels, TX

Like chase credit card , used the 1 1/2 % back rewards. No fees if paid on time. Easy to view online with your bank account and pay directly right there viewing both. Only had one problem and that was with their damage protection. Had item bought and got damaged and they gave me hard time on reimbursement as promised. Did eventually have to go to BBB and got reimbursed. Other than that found to be a great card with many convenient options to use online to track everything. Really loved being able to view right along with bank account and charge card and pay.

4 months ago

check_circle

Review Source

star star star star star

Russell Vastine Aurora, CO

I have had a chase credit card since I was 16. They are the only cards I have. They have great customer service and I like the text notifications they send me. The fraud department is very helpful they will alert you anytime they find something even a little suspicious

4 months ago

check_circle

Review Source

star star star star star

Mandi Colorado Springs, CO

I have a chase card through Costco and Amazon and enjoy both. I love how I can earn a ton of cashback on Amazon with their Amazon credit card through Chase. I also really like the online platform for the chase credit card account. It is very simple and easy to navigate.

4 months ago

star star star star star

Jen Paxman Lehi, UT

I currently have several Chase credit cards. I love Chase, they are easy to work with and have great customer service. I love their bonus points and start up programs. We are able to travel a lot with our family because our credit card points pay for airfare, rental cars, hotels and cash. Their bills are easy to pay and I like that all of your cards are available to see on one page of the website so that I can see all of my balances at once. I also had a card stolen once and they were so helpful and overnighted me a new one at no charge to me. I would highly recommend Chase cards to anyone.

3 years ago

check_circle

Review Source

star star star star star_border

Tony Bethlehem, PA

Chase was the only company that reached out to me during hard times (Covid). They waived my late fee. Good customer service. Decent APR.

1 month ago

star star star star star_border

Anoushka Ahuja Lecanto, FL

The chase credit card did not offer a lot of choices when it came to redeeming rewards the best reward I redeemed was a air pod and I mostly use the rewards for booking travel and hotels

4 months ago

star star star star star_border

Noureddine Lalami Brentwood, CA

Chase offer a lot of financial services and products from banking to credit cards to home loans. They also have good customer service. However, they tend to raise their credit card rates ever so often without much warning.

4 months ago

check_circle

Review Source

star star star star star

Leslie Penfield Alexander, AR

Chase is wonderful company that has great customer service! I have two credit cards with them and they continually support their customers with the best rates.

3 months ago

check_circle

Review Source

star star star star_border star_border

Tammy Bright Lexington, KY

Chase is good to you as long as you keep good money with them. They are relentless if hard times come. I fell 1 month late on my car loan and they took it the night I spoke with them and told them I would pay $300 the next day. $300!!! 1 month! The rep was rude as well. I will never do business with Chase again.

3 months ago

check_circle

Review Source

star star star star star

anna blaser CA

Chase is a great option especially for those who are just beginning to start building credit. They have great services, plus it’s easy to find nearby bank. I love them.

3 months ago

check_circle

Review Source

star star star star star

Ashton Chamberlain ID

I’ve bank with them for years now and they have been everything that a good bank should be. Excellent customer service, easy to use, and acceptable services. 10/10

3 months ago

check_circle

Review Source

star star star star star

lawnguy69 Howell, MI

Long time Ink customer. great to get 3% back on home improvement, office supply, restaurant and gas purchases. Pretty common purchases for many businesses.

3 months ago

check_circle

Review Source

star star star star star

J B Sandy, UT

Chase has been a great financial partner when it comes to credit. When our credit card info was stolen, they had a new card out to us in less than 48hrs.

3 months ago

check_circle

Review Source

star star star star star

Sheena

Absolutely love Chase. I have been banking with them since I’m 15 years old. The customer service experience is second to none. Chase is more like a welcoming family full of advise and direction

4 months ago

check_circle

Review Source

star star star star star

Bradley Baer Philadelphia, PA

Overall I've had great experiences with Chase primarily as somebody who uses their Chase Sapphire Reserve card. The rewards are wonderful and I've always been able to get issues resolved quickly and easily.

4 months ago

check_circle

Review Source

star star star star star

Andrea Thomas Richland, WA

We love our chase cards! We have three different cards and each are amazing for their perks. We haven’t had any issues with the credit cards at Chase, so we would recommend them.

4 months ago

check_circle

Review Source

star star star star star

Allison Ager Tallahassee, FL

Love my Chase Amazon card. With 5% back on Amazon purchases and a very low apr, I'm winning. The site and app are easy to use and my overall experience with Chase has been excellent.

4 months ago

check_circle

Review Source

star star star star star

David Swenson Saint Paul, MN

I’ve held Multiple chase credit cards for years. I love there bonus rewards and their online/app experience. I’ve never had any issues with them and have nothing but positive experiences.

4 months ago

check_circle

Review Source

star star star star star

Chelsi Day Ghiorzi Columbus, OH

My Chase Sapphire Reserve is my favorite credit card I've ever had. It's easy to manage, has incredible rewards, and outstanding customer service. I'm not sure I'll ever switch.

4 months ago