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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322 Reviews

Review Breakdown

5 star
61%
4 star
24%
3 star
7%
2 star
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1 star
5%

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Carolyn Quist

January 9th, 2018 Fort Worth, TX DETAILS arrow_drop_down
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rewards capability for free hotel nights

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Michelle Owen

January 8th, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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good. works nicely with the partnership with amazon

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Randy Croston

January 3rd, 2018 Fairfax, VA DETAILS arrow_drop_down
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never a problem with them, if i have a dispute they get on it right away

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Nabil Battah

January 3rd, 2018 Warren, MI DETAILS arrow_drop_down
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High interest rate compared with many other credit cards.

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Greg Thurgood

January 3rd, 2018 Mapleton, UT DETAILS arrow_drop_down
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Chase Amazon has saved us hundreds of dollars. They no longer have foreign transaction fees, 5% back on Amazon is unreal. They even made the card from a piece of metal is

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Marc Reeves

January 3rd, 2018 Durham, NC DETAILS arrow_drop_down
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Generous credit line and great on-line site.

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Donna Shanahan

December 18th, 2017 Bigfork, MT DETAILS arrow_drop_down
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Interest rate is the lowest of any I have ever used ..good service

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MVK

December 18th, 2017 Riverview, FL' DETAILS arrow_drop_down
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The company does not stand behind you when there is a purchase that is not legit or ethical

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Odessa FL

December 18th, 2017 Odessa, FL DETAILS arrow_drop_down
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Never a problem and excellent customer service.

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Audrey Shoff

December 18th, 2017 Wildwood, NJ DETAILS arrow_drop_down
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Good service,good rewards,great response on issues plus points make sense

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Gary Hall

December 18th, 2017 Washington, UT' DETAILS arrow_drop_down
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Good card - easy to see online and pay online. Great reminders and warnings

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Dave J

December 18th, 2017 Killeen, TX' DETAILS arrow_drop_down
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Never an issue and easy to work with if some sort of transaction problem occurs.

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AmyKamerow

December 18th, 2017 St. Louis, MO DETAILS arrow_drop_down
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good rewards points but high interest rate

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Christopher Fulgham

December 18th, 2017 Oak Lawn, IL DETAILS arrow_drop_down
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Great customer service. Review for increase periodically.

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Suzanna Wootton

December 18th, 2017 Springville, UT

I have nothing negative to say about Chase! They are kind and friendly whenever I have to interact with them and I LOVE my chase freedom card. I use it for everything and i get cash back every single month. It's awesome!

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Ellen Hill

December 11th, 2017 New Bern, NC DETAILS arrow_drop_down
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Awesome customer service. Great cashback/rewards system.

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K R

December 11th, 2017 Suisun City, CA DETAILS arrow_drop_down
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Does not care about their credit card holders. Difficult to deal with.

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Bruce Thomas

December 11th, 2017 Dallas, TX DETAILS arrow_drop_down
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Chase IHG card has the most usable travel rewards points program I have found.

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Stephen Gans

December 11th, 2017 Bronx, NY DETAILS arrow_drop_down
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They are quick to post payments and charges, whereas Citi is awful.

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David C

December 11th, 2017 Stockton, CA DETAILS arrow_drop_down
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great Web site. great customer service ??

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Carol Pena

December 11th, 2017 Melville, NY DETAILS arrow_drop_down
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They are very good with interest and helpful when you call and easy website to use.

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Carl J

December 11th, 2017 Rancho Mirage, CA DETAILS arrow_drop_down
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they do what they say will do, and perform above average. they are also a national bank with offices all over

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venkatesh shrinivas

December 11th, 2017 San Antonio, TX DETAILS arrow_drop_down
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Best benefits for a Travel card I have used, Even though annual fee is more.

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Lindsey

December 6th, 2017 American Fork, UT DETAILS arrow_drop_down
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I have a Chase Disney Card. It's the best! Definitely recommend it. The bank is very professional, their website is easy to use. The employees are very professional and helpful. I've never been put on hold for too long waiting for someone to answer.

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Evan Rasmussen

November 29th, 2017 Sandy, UT DETAILS arrow_drop_down
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Another great credit card company that is overall good

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Danielle

November 29th, 2017 Syracuse, UT DETAILS arrow_drop_down
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As an employee from a company who uses Chase daily, i've been very disappointed in how they treat me, a customer. I bring business from 10 different accounts, and everytime i walk in to make a deposit, i get treated like im in the wrong for bringing in so many deposits. I've been tempted MANY times to change banks.

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Vickie Washburn

November 28th, 2017 Owasso, OK' DETAILS arrow_drop_down
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interest rates are way too high. I will be paying off cards and keeping them paid off.

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Corrine

November 28th, 2017 Miami, FL DETAILS arrow_drop_down
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They are very helpful when you have a problem with people you deal with.

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DENISE DONARDT

November 28th, 2017 Jonesville, NC DETAILS arrow_drop_down
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card was easy to apply for and I use it in case of emergency.

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Mike

November 28th, 2017 Eugene, OR DETAILS arrow_drop_down
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Good website, good customer service, secure (at least for now).

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Ralph Degraff

November 28th, 2017 Chandler, AZ' DETAILS arrow_drop_down
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Flexible with Amazon and the gift cards are a nice bonus touch

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Shannon Morley

November 28th, 2017 Payson, UT DETAILS arrow_drop_down
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I love the reward points with Chase, I especially like to use them with my amazon account

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Jill Dastrup

November 27th, 2017 Eagle Mountain, UT DETAILS arrow_drop_down
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Great bank. Love that their safety features and extra steps they take to make sure your money is secure.

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Anonymous

November 20th, 2017 San Jose, CA DETAILS arrow_drop_down
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No hassles with transactions and good credit fraud protection

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James

November 20th, 2017 West Jordan, UT DETAILS arrow_drop_down
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Chase has THE poorest Customer Service! They don't listen and you have to repeat yourself over and over. You have to be transfered at least once to get action for problems.

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DaikiGifts

November 20th, 2017 DETAILS arrow_drop_down
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My Chase Visa credit card account was opened in the NY. Not sure of other Visa cards, I use Chase Visa cards only. My problem gripe is that if I use my Chase Visa cards outside of the Continental USA, there will be a charge of either 3 or 5% fee (not sure exactly how much). This fee also apply for using it in Puerto Rico, where I temporary base . I thought Puerto Rico was part of USA!!!!!

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Linda Horn

November 20th, 2017 Iowa, LA

They pay me to buy things. I pay off the balance so I pay no interest. Their service is great. They watch out for unlawful charges.

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Rebecca Richardson

November 13th, 2017 Orem, UT' DETAILS arrow_drop_down
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Great cash back incentives. UI easy to use.

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Kara B.

November 13th, 2017 Gastonia, NC' DETAILS arrow_drop_down
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Easy to understand billing and statements, multiple ways to pay, happy with rewards and rate.

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Shanna

November 13th, 2017 Frederick, MD DETAILS arrow_drop_down
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I feel like they watch over my card for fraud- which makes me happy. They are fair with APR's. Customer service is alway polite and ready to help.

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Hayley Lambdin

November 13th, 2017 Orem, UT DETAILS arrow_drop_down
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Chase is great! We got set up on 0 percent APR for 18 months and it has been awesome for helping us pay off our laptops for school.

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Luke Gibson

November 9th, 2017 Provo, UT DETAILS arrow_drop_down
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My experience with Chase has lasted about eight years now and has been pretty good. For a massive bank corporation, I feel they still do a decent job of good customer service. One thing I really do appreciate about them is their security, I feel they have a lot of great safeguards in place to make recovering from a stolen credit card simple and not scary. Also, their technology is fantastic, in the sense that their smartphone app, website, and frequent new features work well and make things really convenient.

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Connie Mayer

November 2nd, 2017 South Jordan, UT DETAILS arrow_drop_down
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Chase has been a reliable company for us. We do prefer other cards more, but we do use our Chase card. We have missed a payment before, and if we call them, they fix it for us when we honestly just missed the payment. They are good people to work with.

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David

October 30th, 2017 Orem, UT DETAILS arrow_drop_down
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The website is a little annoying, but I do like my Amazon cash back.

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Cher

October 25th, 2017 Leesburg, VA DETAILS arrow_drop_down
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We have been with Chase Visa for 20 plus years with no problems. If they see a charge out of the ordinary, they are calling us before we have a chance to call them.

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Melinda Parris

October 24th, 2017 Tucson, AZ DETAILS arrow_drop_down
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They're good enough but I'm not eligible for best benefits

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Courtney

October 24th, 2017 Crystal Lake, IL DETAILS arrow_drop_down
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I don't have any issues with Chase in terms of service, the rewards could be better.

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Tracy Dauterman

October 24th, 2017 Paso Robles, CA DETAILS arrow_drop_down
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Love everything except I think they could have more security features. This number gets stolen all the time.

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Elaine Walz

October 18th, 2017 Madison, WI

No problems with Chase thus far...safe reliable Just not going to be nearby soon

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Gwen Shannon Simpson

October 9th, 2017 Daytona Beach, FL

Do not honor their promise to increase card limit after six on time payments and I had the card for 6 years, never made a minimum payment and never missed a payment. I just paid them off and will never use them again.