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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Adrianne murray

December 30th, 2019 Brigham City, UT DETAILS arrow_drop_down
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Make sure you don’t ever miss a payment or you will regret it. I haven’t had that problem but I did see the fees and it looked pretty scary. Their online service though for payments is so easy. When I applied for Amazon credit card this is the one that it was hooked up with. So every time I use my Amazon account I use this card. The cashback is great

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Juan

December 16th, 2019 Beaver, PA DETAILS arrow_drop_down
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I did not really like chase for a credit card. Once i realized how much interest they were taking i ended up cancelling the card.

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BJ Tenney

December 9th, 2019 Woods Cross, UT DETAILS arrow_drop_down
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I love the chase cards, but some of their requirements to get a new card are too strict IMHO. They have good rewards on their cards and I wish I could get all of their cards.

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Missy Ryan

December 5th, 2019 West Jordan, UT DETAILS arrow_drop_down
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I love Chase. Using the app really helps me keep track of my payments and my transactions. I've never run into a problem using their card.

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Missy Mamros

December 4th, 2019 Warrendale, PA DETAILS arrow_drop_down
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One of the oldest credit cards I have. They are great and always reliable with no hacking.

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Roman Christiansen

November 28th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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I have been a customer for a very long time and I have never been disappointed. Customer service is the fastest by far out of all the banks I’ve been with.

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Connor

November 28th, 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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Larson

November 27th, 2019 Riverton, UT DETAILS arrow_drop_down
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I’ve done lotta business with Chase through the years. I have been very fair with me and have taken care of my needs. I would recommend them.

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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 24th, 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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Jon Robinson

November 18th, 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 18th, 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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Spencer Morris (Logan)

November 18th, 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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Amanda

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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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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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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Kaydence Bonino

November 14th, 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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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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Jon Posey

November 10th, 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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Eric Smith

November 7th, 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 24th, 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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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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Victoria

October 13th, 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 12th, 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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Cameron Clark

October 12th, 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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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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Mr. & Mrs. L Forst

October 8th, 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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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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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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Sarah Watters

October 7th, 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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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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Amy Boren

October 4th, 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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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 29th, 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 28th, 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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Helen 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 11th, 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 6th, 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 27th, 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 10th, 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 22nd, 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.