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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Derek Scoville

August 30th, 2018 Pleasant Grove, UT

I use my Chase card for most of my transactions. Anytime I use my card outside of my regular area, I will get an alert or phone call from them to verify that my card purchase was in fact authorized by me. I love their attention to keep my identity safe!

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Kim Miller

August 29th, 2018 Lindon, UT

I have had a Chase card for years. Great customer service.

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LAURI J CLARK

August 28th, 2018 Lindon, UT

We love our Chase cards! We especially love the Ultimate Rewards program! We have been able to enjoy some amazing vacation benefits from hotels, airline tickets and car rentals. The versatility of the rewards is exactly what we need!

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J Paul Wright

August 27th, 2018 Central, UT

I like that my Chase card does not have fees, but I also do not get rewards for this card. The card itself and their service is easy to use and I like that when my mortgage was taken over by Chase, the accounts tied together for easy online access. Since I have an AMEX, this is my other card because VISA is usually accepted everywhere else that AMEX isn't.

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tini mapu

August 27th, 2018 Orem, UT

I really love this company. My credit is not the best. As soon as I started paying off debt they gave me a credit card. It has really helped me raise my credit and build trust with the bank. I would recommend it to anyone.

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Ron Durfey

August 27th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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Have been a customer for over 10 years. They seem to like me because they keep raising my credit limit. I don't use them often it's only for emergencies and then I pay off my limit immediately. OK company but try to avoid using them.

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Dave Brinton

August 24th, 2018 DETAILS arrow_drop_down
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I have a Chase Saphire card that I enjoy. I like the rewards I earn on every purchase.

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Kris

August 23rd, 2018 Pleasant Grove, UT

We have had our Chase credit card for over 10 years. They are a very reliable company to work with. We got a Chase credit card for my daughter leaving for college, to help establish her credit as she begins her life outside the home.

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Haidyn Houtz

August 21st, 2018 South Jordan, UT

This credit card was really nice to have! They were super helpful and there was no unexpected charges to my card! The interest rate was super good and I had many benefits from using Chase!

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Chris Plato

August 20th, 2018 Baltimore, MD DETAILS arrow_drop_down
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I had a credit score in excess of 800 and over $100,000 worth of credit card spending limits across all cards including 2 Amex cards. I had 4 Chase accounts including one for Amazon and one for United Airlines (for which I paid a fee). I became disabled temporarily and went no more than one month late on some competitor cards. Not all of them, just some and my credit limits were getting reduced by several. I was 100% on-time and making more than the minimum payment on all my Chase cards, but they wrote me a letter saying they were closing ALL my accounts because of what was going on elsewhere in my credit scene. That shocked me. And I used those cards. I liked flying United and getting double miles and shopped at Amazon a lot. Since those businesses chose to use a card company like Chase I now fly other airlines and shop elsewhere online. And now that my credit is back up, it will be a cold day when I take a Chase offer over the dozens of other competing offers I get.

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Carolynn

August 20th, 2018 West Jordan, UT

Mobile app is easy and convenient. Customer service has been great when having to call in.

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Lesa Burgess

August 20th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I own the Marriott Rewards Premier Credit Card and I love it. I purchase all of my Marriott hotel stays on this card so I can receive the double bonus points. This card has helped me reach platinum Marriott status quicker than I could have imagined. This card has great customer service & I love the $85 for a free night every year! That reward is fantastic!

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Bella Houtz

August 17th, 2018 South Jordan, UT DETAILS arrow_drop_down
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This is the only credit card we’ve had for years. Statements are clear and easy to read. Cash back is a bonus!

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Sarah

August 2nd, 2018 Fairfax, VA

They have tons of credit card options and some come with amazing introductory rates. Their website is fairly easy to use, their customer service has always been helpful.

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James Nelson

August 2nd, 2018 Falls Church, VA

The company has done a fantastic job with my accounts. I don't have to worry about hidden costs!

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Jennifer Hargrave

July 30th, 2018 Gilbert, AZ

The fraud protection alone is worth its weight in gold. Our credit cards, both personal and business have been compromised and Chase was on it! I was out of the country on vacation and woke up to a message from Chase regarding a purchase for concert tickets for $1200.00. Chase denied the charge, temporarily closed my account and notified me immediately. All was handled quickly and professionally and my vacation resumed. I will continue to be a Chase customer and encourage my children to open their first accounts with them.

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Bob Conley

July 24th, 2018 Crestwood, KY

Very fair to work with. I have never had any issues with them.

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James B nelson

July 23rd, 2018 Las Vegas, NV

I use them for the airline programs credit cards of which I am a member. I am very happy with them--good protection and they always come through. their fees are not cheap but compared to everything else, they are not significant. i love these guys

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Marilyn Greer

July 23rd, 2018 Saint George, UT

They have a low-interest​ rate and offer 0% on balance transfers.

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Anne Kimball

July 23rd, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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I use a Chase card now and have had no complaints! When I signed onto the card I got a ton of sky miles which was amazing. And now paying my bills is so easy. Also, there was once an unauthorized charge on my card and they found it. They alerted me and put a block on my card right away until they spoke with me and we got it resolved immediately because I got a text and email about it.

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Sara Jane

July 17th, 2018 Crestwood, KY DETAILS arrow_drop_down
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Great card. Great with travel and points and fraud protection. I 10/10 would recommend.

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Karen Nelson

July 16th, 2018 Alpine, UT

Sky miles. I have been able to travel so many different places because of the sky miles that my chase credit cards provide. Being able to travel so many different places just because I use their card has increased my quality of life.

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Kaleb Herbert

July 9th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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I have never had a bad experience with my credit card. I love how they monitor your purchases and ask you for approval if they see something out of the ordinary.

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Jim Stewart

July 6th, 2018 Queen Creek, AZ

Higher rate card. Seems like the rate goes way up after one late payment.

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Amy Singleton

July 5th, 2018 Gilbert, AZ

we have had the freedom card for years and enjoy the flexibility with what we can do with our points.

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Jess Root

July 5th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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Rate is solid. Love that my card doesn't have foreign transactions fees. Online customer service and app are great.

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Brayden D.

July 5th, 2018 Gilbert, AZ

Chase was there from the start and I got my credit card from Chase and I don’t regret it one bit.

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Trent Allen

June 25th, 2018 Queen Creek, AZ

Love how easy it is to have access to all of your account information in an easy to use online format. One of the best parts is all the reminders that are automatically sent out so you never forget to make a payment.

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Troy Siren

June 25th, 2018 Gilbert, AZ

Love my card. Use it for everything. Have never had a problem with it and love the cash back feature.

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Mike Tierney

June 18th, 2018 Minneapolis, MN DETAILS arrow_drop_down
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Good points plans, well received, good credit line, good web site.

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Kati Biren

June 18th, 2018 Inver Grove Heights, MN DETAILS arrow_drop_down
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reasonable interest rate and we earn points that I can redeem quickly and easily.

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Steve Yates

June 18th, 2018 Hot Springs, NC DETAILS arrow_drop_down
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Great customer service, Better web site than other cards. Best reward program.

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Pat Ohagan

June 18th, 2018 Anadarko, OK DETAILS arrow_drop_down
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Several times I had to contact them about unauthorized charges. Their response and resolution was perfect by my standards

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Neil McHugh

June 18th, 2018 Houston, TX DETAILS arrow_drop_down
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Great benefits, easy to work with and good customer service

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maria

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

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Pliny

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

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Sheryl Wilson

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

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Emile Mervin

June 18th, 2018 DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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Easy to navigate website, and make payments.

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Norma

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