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 are 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 that can climb pretty high, higher than industry average.

Late Payment Penalty

Late payments will incur fees, but these cahrges are competitive within the industry.

Foreign Transaction Fee

Chase charges a fee of 3 percent for foreign transactions, which can be deterring for frequent travelers. However, not every card carries this fee, and products such as the Sapphire Preferred and Sapphire Reserve have no transaction fees.

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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416 Reviews

Review Breakdown

5 star
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4 star
24%
3 star
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2 star
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1 star
4%

Sentiment Criteria

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Dave Marble

February 29th, 2020 South Jordan, UT DETAILS arrow_drop_down
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Love my Chase and the rewards, great benefits and options for everyone to choose

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Aidan Keogh

February 28th, 2020 Ogden, UT DETAILS arrow_drop_down
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We have had our Chase credit card for many years. We love that by purchasing we are able to receive points towards other purchases. We had a time when our Credit Card number was stolen and they were quick to remove the purchases and issue a new card.

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Anthea Aiono

February 27th, 2020 Riverton, UT

I have banked with CHASE for years now and love it. My experiences has always been good whether over the phone or in person at the local branch.

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Club rush

February 27th, 2020 West Valley City, UT DETAILS arrow_drop_down
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We have a chase card and account that we use frequently. If there is ever a problem it is quickly resolved.

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Scott C.

February 26th, 2020 Lehi, UT DETAILS arrow_drop_down
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Good customer service - and competitive rates. I have been a long time customer.

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Mandi Smith

February 26th, 2020 American Fork, UT DETAILS arrow_drop_down
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Chase gives us all the opportunity to transfer money super quick and easy from one account to another. I always transfer money from my account to another and there are no complications, just a few simple buttons. This company is very trustworthy and reliable. There is never a problem with Chase.

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Hallieford

February 26th, 2020 Orem, UT DETAILS arrow_drop_down
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We have had a chase card for 10 years. Their customer service is so helpful. They were very forgiving and helpful when I missed a payment. Great interest rates also.

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Julie Taylor

February 23rd, 2020 Ogden, UT DETAILS arrow_drop_down
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We love our Chase Credit Card. We especially like that we can earn points towards other purchases with our card.

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Jeremy Webb

February 22nd, 2020 Covington, LA DETAILS arrow_drop_down
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Overall a pretty good company. I wish they were a little more understanding with their overdraft fee policies because sometimes I feel things stay in pending and they all hit at once which causes unexpected overdrafts. Other than that, great customer service and don’t have many issues with my card!

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Karina Aguilar

February 22nd, 2020 Managua, MN DETAILS arrow_drop_down
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chase is the greatest! they opened an account for me when no one else did. they also gave me a good amount of credit for my first credit card

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Jami Lucas

February 20th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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We have been very happy with our account. The rewards have been very helpful as well as the free credit viewing.

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Brenda Thomas

February 20th, 2020 Ferron, UT DETAILS arrow_drop_down
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My Chase credit card is my very best credit card. I am always earning cash back that I always apply back to my account.

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Molly Keogh

February 18th, 2020 Ogden, UT DETAILS arrow_drop_down
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We have loved our Chase Credit card. We love the points that we get back and can use towards Amazon orders. We have a our identity stole a few times and they have been great to refund our account.

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Shalyn Bagley

February 18th, 2020 Cedar City, UT DETAILS arrow_drop_down
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My husband and I have the Chase Sapphire card and we have not had to pay for hotels or flights for years. I would recommend this card to anyone that does a decent amount of traveling. I also love the cash back offer for those who do not travel much.

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Silvia Lobendahn

February 16th, 2020 Orem, UT

We have several accounts with Chase and I really like that they are always looking out for me. I get notifications of my accounts often so that I can keep track of what is happening. Keeping customer security is important to me and they do a good job.

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Rommie Bishop III

February 16th, 2020 Rexburg, ID DETAILS arrow_drop_down
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I banked with chase for a while, and their services were always very accommodating.

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Annie Robbins

February 15th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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We have had 2 Chase cards. The Sapphire card has great rewards. You need to use their travel company which can be limiting on how to use the rewards for travel.

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Kiayana Clunis

February 14th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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Chase has the best Customer Service. They’re always willing to help resolve any issues. Best bank ever!

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Nate Jenson

February 14th, 2020 Provo, UT DETAILS arrow_drop_down
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I have a card with Chase that I use primarily to earn points for travel. I booked travel but then took advantage of the 24 hour rescission period. It was easy to book and fairly easy to change my mind. The discount on using ponits for travel is great.

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Justin Riggs

February 14th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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Easy app to use. Easy access to money and ability to pay bills with auto pay. Good customer care when needed and that isn’t often!

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Dana Heimback

February 13th, 2020 Carlsbad, CA DETAILS arrow_drop_down
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Sometimes they charge me a monthly service fee. sometimes they dont. I have to check my account every month. Fishy. Every time I call about it they give me s runaround different reason

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David T

February 13th, 2020 Draper, UT DETAILS arrow_drop_down
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I have a Chase Shapphire credit card and the sign up bonus is amazing for travel. It is well worth the annual fee.

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Lily Grant

February 12th, 2020 Lehi, UT DETAILS arrow_drop_down
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My family has used chase bank checking accounts, credit card, and savings accounts with chase banks for years. I would highly recommend chase bank as a trusted bank. They have locations everywhere.

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Isabel

February 12th, 2020 Managua, MN DETAILS arrow_drop_down
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I love my Chase credit card. The customer service is super friendly and helpful with everything I need.

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Kilee Wagner

February 12th, 2020 Eagle Mountain, UT

Love the cash bonus offered when we opened a new account. Great customer service and well!

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RodrigoRamirez

February 11th, 2020 Austin, TX DETAILS arrow_drop_down
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I opened up my 2nd ever credit card with Chase and it was great. I liked how every now and then they have promotions for extra cash back and email you about it so you aren't out of the loop. It's to a point you have to activate it. To some, that may be annoying, but to me, that's just a step to inform me of the actual promotion and have had a great experience overall.

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Eddie Rios

February 10th, 2020 Ogden, UT DETAILS arrow_drop_down
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Chase has been a great bank to handle my credit cards. They offer easy card replacement, great low rates and plenty of consumer protection. One of my best credit cards in my wallet.

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Nicole Sohm

February 9th, 2020 Herriman, UT DETAILS arrow_drop_down
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I have the Chase cc right now through Costco and have been so happy with the return you get on your money on how much you spend.

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Camille

February 8th, 2020 Lynnwood, WA DETAILS arrow_drop_down
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Chase credit is super easy to check and pay when you have a checking acct because you can do it all in one place on the mobile app!

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Amanda

February 7th, 2020 Montebello, CA DETAILS arrow_drop_down
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My experience with Chase credit cards has been positive because they offer great reward systems and a competitive interest rate.

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Beverly Schacher

February 5th, 2020 Long Beach, MS DETAILS arrow_drop_down
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We have had our Chase credit card for many years. The interest rate is comparable to other credit card companies, there is no annual fee and they have excellent customer service. We have been very satisfied with our Chase card.

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Makayla Manus

February 4th, 2020 Gulfport, MS

Really great credit card company. No problems and the employees at the banks are so respectful.

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Ezequiel

February 3rd, 2020 Gaithersburg, MD DETAILS arrow_drop_down
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I have the southwest chase credit card and I'm very happy with it. The points for southwest are a great value, and the bonus points given by the chase credit card helped me get the companion pass with southwest. Service on the phone with chase is always quick and their website is well setup to make things easy.

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Michelle Schow

February 3rd, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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Chase has some awesome rewards that you can redeem for cash, travel, or other gift certificates.

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Audrey Mitchell

February 1st, 2020 Managua, MN DETAILS arrow_drop_down
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They have great customer service both during office hours and afterwards. They were helpful when I lost my credit card and getting it cancelled.

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Danielle Powell

January 31st, 2020 Long Beach, MS DETAILS arrow_drop_down
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Website is really easy to use. The interest free transfers was nice and helped pay off debt.

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kayshel

January 31st, 2020 Herriman, UT DETAILS arrow_drop_down
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I have used a chase visa for a number of years and have been happy with the service. They are reliable and have taken care of any problem I have had.

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JamieD

January 30th, 2020 Orange, CA DETAILS arrow_drop_down
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We used our Chase card to purchase inventory for our triathlon shop. The hotel rewards received were a huge bonus for our family. Very helpful!

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Bryndie

January 30th, 2020 Managua, MN

A lot of really good credit card options. The online banking makes it super easy to manage. Every interaction I’ve had with an employee has been positive and I’ve been taken care of

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Seth

January 29th, 2020 Managua, MN DETAILS arrow_drop_down
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Chase has always been good to me and they are so easy to work with. There customer service is what made me switch from Wells Fargo.

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Erika Shumway

January 29th, 2020 Managua, MN DETAILS arrow_drop_down
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Chase provides with great service. I've been using Chase for many years now, and they have always been super reliable. Occasionally, they block my card when I am making a big purchase, which is for safety reasons but can sometimes be frustrating. I have to go through a long process of calls to get my card to work, but the staff is always super friendly and helpful.

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Reckholdt

January 29th, 2020 Magna, UT DETAILS arrow_drop_down
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We use the Chase Sapphire card to get hotel stays for free. They have great travel rewards that has benefited me quite a bit.

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Aimee Mortensen

January 29th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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I use Chase for my business account. Customer service has always been professional and quick. I appreciate being able to perform many of my banking needs on my mobile.

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Cam McClellan

January 26th, 2020 Magna, UT DETAILS arrow_drop_down
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We have a Chase Sapphire card and love the travel perks that come with the points. The hotel nights are super easy to redeem.

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Stacey Alphonse

January 25th, 2020 Tallahassee, FL

I’ve had Chase for such a while and it’s been a great ride. I like it and everything from the customer service, to how protective of my money it is.

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Mikayla Ralston

January 24th, 2020 Navarre, FL DETAILS arrow_drop_down
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I've used Chase for both mortagage and unsecured credit cards. Very easy to work with and very easy/convenient to make payments.

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Derrian

January 9th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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Chase bank is literally my favorite bank. I have tried different banks and I have finally found the bank I will stick with. The chase bank app is so functional and its easy to transfer money to people with or without a chase account,as long as they have zelle. They ensure that you do not get scammed out of your money and help you get your money back if you have paid for something and didnt recieve it.

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Kelsey Rosier

January 8th, 2020 Tallahassee, FL

I have been banking with them for a while now and I have yet to have an issue with them. They keep your information safe and if there was any foul play being suspected they would definitely let you know.

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Tochica Baptiste

January 7th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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I honestly love Chase, they have never given me any problems! The security system is great and works fast.

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Jacob

January 7th, 2020 American Fork, UT DETAILS arrow_drop_down
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My chase credit card is fantastic! With no foreign transaction fees, it is much cheaper to travel the world and pay for the souvenirs and experiences that I want!