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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361 Reviews

Review Breakdown

5 star
61%
4 star
25%
3 star
6%
2 star
3%
1 star
4%

Sentiment Criteria

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Connor

November 29th, 2019 Farmington, UT DETAILS arrow_drop_down
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Best credit card and APP ever. They have an incredible interface and super friendly figures that help you track your spending.

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Shannon B

November 27th, 2019 Salt Lake City, UT DETAILS arrow_drop_down
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Super happy with my experience using Chase Freedom credit card. I love that I can get cashback each month and earn extra cashback on products I buy everyday with no annual fees. I recommend this card to anyone looking for a good everyday credit card.

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Treyson Lewis

November 26th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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I personally have an account to this place and they are very reliable. They always let me know if my account is low and are very responsible.

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Daphne Brown

November 25th, 2019 Riverton, UT DETAILS arrow_drop_down
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I like the card and rewards program. The yearly fee is just a little too steep for me and I have trouble using my rewards at times. Not enough variation in there.

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Ariana Giles

November 22nd, 2019 San Antonio, TX DETAILS arrow_drop_down
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Love this bank ! They have products for all your needs and don’t nickel and dime you when it comes to charges, are always prompt to fixing issues!

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Spencer Morris (Logan)

November 19th, 2019 Riverton, UT DETAILS arrow_drop_down
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Chase is ok- reasonable rates and points- not great not the worst

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Jon Robinson

November 19th, 2019 Riverton, UT DETAILS arrow_drop_down
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We looked at a lot of cards and choose the Chase Freedom card because it gives good cash back. Pay it off every month and you will make money from your card.

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Alex Danielson

November 19th, 2019 Riverton, UT DETAILS arrow_drop_down
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We've had our Chase credit cards for many years and have no complaints so far. They've provided great service and have always made sure we were the ones behind each transaction. Better to be safe than sorry.

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Kaydence Bonino

November 15th, 2019 Riverton, UT DETAILS arrow_drop_down
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We have a few credit cards through chase bank. I've always had great customer service! I love the 1% cash back rewards they off too!

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Kathryn Robinson

November 15th, 2019 Riverton, UT DETAILS arrow_drop_down
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I've had a Chase credit card for a number of years. I really like the rewards they offer and low annual fee.

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Todd Homitz

November 15th, 2019 Evans City, PA

Love my Disney Chase card. The rewards are great! Also great customer service support.

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Amanda Rosen

November 15th, 2019 Warrendale, PA DETAILS arrow_drop_down
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My Chase Saphire Reserve card is SO WORTH IT. If you travel, it is by far the best travel card

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Jon Posey

November 11th, 2019 Riverton, UT DETAILS arrow_drop_down
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I have a couple cards with chase and like them. I haven't had a great experience with banking but their CCs are solid. I really like their online platform and app.

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Brittney Miskin

November 11th, 2019 Riverton, UT DETAILS arrow_drop_down
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Chase has great customer service and their credit options are some of the best around. If I see a chase logo I know I am in good hands.

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Eric Smith

November 8th, 2019 Riverton, UT DETAILS arrow_drop_down
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Always provide great service when I have called in with questions about charges. Never had any problems.

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Tony

November 7th, 2019 Riverton, UT DETAILS arrow_drop_down
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Had a Chase Ink card for my business and they had a pretty good cash back incentive. I've since switched to another card that offered slightly better incentives, but this was still decent.

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Sydney Pinto

November 6th, 2019 Tallahassee, FL DETAILS arrow_drop_down
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Chase is the best bank I have ever had. They are always there to help and offer amazing incentives for their cards and members.

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abby becht

October 25th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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Happy with customer service, rewards, and the way that the card looks. It's annual fee is not my favorite.

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Victoria

October 14th, 2019 American Fork, UT DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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no surprises, great fraud protection

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Shanae Boully

June 24th, 2019 Kaysville, UT DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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!