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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

4.3
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277 Reviews

Review Breakdown

5 star
59%
4 star
25%
3 star
7%
2 star
4%
1 star
6%

Sentiment Criteria

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maria
June 18th, 2018 DETAILS
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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
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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
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They always follow through with any issues that I may have.

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Angela Alexander
June 18th, 2018 DETAILS
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Good cash back programs, low interest rates, good customer service.

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Pliny
June 18th, 2018 DETAILS
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Poor cashback rewards. Chase pays the least amount of any credit card I use!

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Antoinette Garcia
June 18th, 2018 DETAILS
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Rewards program is great the sign up bonus gave me 3 round trip tickets

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Cindy Delgado
June 18th, 2018 DETAILS
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Always there when I call, very supportive with disputes.

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Sheryl Wilson
June 18th, 2018 DETAILS
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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.

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Homer Rodriguez
June 18th, 2018 DETAILS
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Very prompt about notifying me when there are questionable charges and in managing fraudulent charges.

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Randolph Parker
June 18th, 2018 DETAILS
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High interest rates and low lines of credit

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Emile Mervin
June 18th, 2018 DETAILS
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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.

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Sadie Scoville
June 11th, 2018 Pleasant Grove, UT DETAILS
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My dad uses a chase credit card and he really likes the cash back on it.

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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
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Easy to navigate website, and make payments.

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Norma
June 5th, 2018 DETAILS
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Balance question rep answered all my questions and was very efficient

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Jim Crawley
June 4th, 2018 Provo, UT DETAILS
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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!

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Kristin
May 31st, 2018 Pleasant Grove, UT DETAILS
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One of the best companies out there. You should feel very secure when borrowing money or considering getting a bank loan .

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CAROLE SCOVILLE
May 31st, 2018 Pleasant Grove, UT DETAILS
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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.

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Avery Fowler
May 31st, 2018 Pleasant Grove, UT DETAILS
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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.

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Joanna Hester
May 29th, 2018 Gilbert, AZ DETAILS
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Use our credit card for everything and love the points we get to buy gift cards of flights!

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Noelle Crawley
May 29th, 2018 Pleasant Grove, UT DETAILS
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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.

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Stacy
May 16th, 2018 Salt Lake City, UT DETAILS
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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.

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Samantha
May 4th, 2018 Millville, UT DETAILS
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This is my favorite credit card to use! Low interest, and even had zero interest for the first year I had it!

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Vicki A Michaels
May 2nd, 2018 DETAILS
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I like their website and cash back rewards.

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Casey
May 1st, 2018 DETAILS
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Love the customer service associated with chase credit cards. The account website is easy to understand and navigate.

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Michael
April 16th, 2018 Ogden, UT DETAILS
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Great intro rate for the first year. No interest

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Amanda
April 16th, 2018 Sherwood, OR DETAILS
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Love their amazon credit card! Great reward program! Easy app to use!

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Maryayb
April 11th, 2018 Draper, UT DETAILS
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I love my chase Marriott Rewards card! I love earning points towards stays at Marriott hotels worldwide!

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Sichuan
March 5th, 2018 Canton, OH DETAILS
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Absolutely the best. In my opinion, Chase is the industry leader due to the company's professionalism and outstanding customer service.

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card user
March 5th, 2018 Hendricks, MN DETAILS
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very good, I've had no problems in my dealings with Chase Visa

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Clint
March 5th, 2018 Gilbert, SC DETAILS
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Great Company!! Great Awards offered. They offer cash, Amazon deals, money towards your bill, gift cards to multiple places.

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Anonymous
March 5th, 2018 Peoria, AZ DETAILS
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Rude customer service, they make you feel inadequate if you dont read the fine print

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Leena
March 5th, 2018 Cupertino, CA DETAILS
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Very good experience with travel points and booking online

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Tc85
March 5th, 2018 Chula Vista, CA DETAILS
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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.

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Excellent
March 5th, 2018 Dixon, CA DETAILS
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Excellent and very friendly customer service

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Suzanne E Slaton
March 5th, 2018 Homosassa, FL DETAILS
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They give you no slack at all...I was in a store and my credit card was declined. The amount was less than $15. I was so embarrassed I stepped aside and call Chase CS. They would not approve the transaction after just paying $100 the CS person asked for another payment. I ask him to please approve this transaction and he refused. I have been a long standing card member with them and never been late. So I asked him to close my account. He was more than happy to close it.

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Heatinc
March 5th, 2018 Port Saint Lucie, FL DETAILS
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Great service, easy navigation online and notifications/ alerts are the best.

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Dick Handler
March 5th, 2018 Sonoma, CA DETAILS
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Mere words cannot express my excitement at paying 29.99 percent interest.

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Gioacco
February 26th, 2018 Mahopac, NY DETAILS
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They have a great combination of online, automated telephone, and telephone representatives. They also send messages via email and/or text messages if there is any unusual credit activities. They take my security very seriously and I like that.

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S lary
February 26th, 2018 DETAILS
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Received a notice which read my card may have been compromised ..when I called No one knew why and "forwarded" me to AMAZON. And they did not know either

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Marv1959
February 26th, 2018 Ashtabula, OH DETAILS
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Change of terms. Transferred large balance at low rate fixed for life of loan. Chase reneged.

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Thomas
February 26th, 2018 Englewood, CO DETAILS
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Best credit cards that I have used over the rest...

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Sandra
February 26th, 2018 San Jacinto, CA DETAILS
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Good experience, I would recommend this to those who are trying to build their credit.

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Jman911TTS
February 26th, 2018 San Diego, CA DETAILS
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They are very attentive to my need and customer support is 2nd to NONE

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Mjmrei
February 26th, 2018 Bellevue, WA DETAILS
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Fraud charges taken care of promptly and efficiently

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June
February 26th, 2018 DETAILS
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company is fine as credit card company goes

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Joel Marquez
January 22nd, 2018 Tucson, AZ DETAILS
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i love em the rewards are awesome i went to bank to raise my limit and had $170 bucks there Belem my banker intantly help me out and got me those 170 buck back into my account

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Matt DuFresne
January 22nd, 2018 Castle Rock, CO DETAILS
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Reliable card with no security issues so far and I like the cash-back incentive.

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sally hicks
January 15th, 2018 Canyon Lake, TX DETAILS
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actually give back 1.5% and 5% on certain items, when I have questioned charges, any issues has been resolved