Chase
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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.
Top Ranked Companies
#2 American Express (Amex) chevron_right
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
293 Reviews
Review Breakdown
Sentiment Criteria
Verified Customer
Extremely reliable. Great for traveling points.
My card allows me to receive discounts on Amazon orders
I think the interest rate is astronomical, considering we have excellent credit.
They provide a reasonable rewards program and twice noticed a fraudulent charge.
They're fair and treat their customers fairly. Applying and managing your account is easy and very self explanatory.
Excellent customer service, low rates, good rewards
Never helped with lowering rate, always kept me in the high twenties just to make money off me I feel.
good service, on time payments get me a higher credit limit
I do things online and their website is very intuitive and has given me no trouble. You/I can set alerts, which is very helpful. Excellent service.
They are nice people, service is great I am pleased with this bank. What more do you want?
Market acceptance of their cards. Rewards. Customer service.
High Interest Rates from my own bank. Disappointed with the fact my other cards offer a better rate
They do what I ask, are responsible and I have NOT had any problems with them contrary to B of A that I have had nothing but trouble with!!!
Great service and personnel are friendly and helpful. Frequent flyer miles are too high to make reservations.
Never had any problem with them, of course would always like cheaper interest rate.
Chase Credit Card is extremely on top of Fraud attacks
They work with those who have financial issues.
They are consistent, and they have good rewards and benefits, but the interest rate is too high for someone with a 750+ credit score.
easy to use and access the card and they have bank and ATM locations everywhere.
Interest rates are too high and nonnegotiable
Easy to read statement, high credit limit, and United points. What not to like.
They're Knowledgeable reps who speak english
Easy qualify. Great 0% introductory period and high limit
Very helpful all the time whether on the phone or I walk into the bank
They have good rates and great customer service
Love their Web Site. Easy to do business with.
Never have a problem, they are always accurate, professional and courteous!
They were more willing to let me transfer my balance than give me a temporary promotional APR
easy to work with and easy to access account information on line!
They are a great bank but hold high aprs and have not raise my limits in over a year
Decent costumer service and interest rates are alright
Good customer service and issues are carefully reviewed and handled in a timely manner.
Rated 9 for cusotmer service, ease of use on mobile app
Always willing to work with me when I have a dispute. Unlike bank of America.
Used it as a balance transfer card, until I paid off the balance. Beginning to use as a credit card
They are always making sure im the one using the card with higher purchases.and i get rewards
I have been with this company for more than a decade. Customer service is great
they have been very responsive to my needs
Verified Customer
I have had good experiences with Chase and appreciate the cash back offers they have.
Great customer service. I don't like paying the yearly membership fee as some of our other banks will waive it after an appropriate amount of time and good payment history.
I have been happy with this card. We do not have any annual fees and received a nice bonus when we signed up.
I've used a Chase card for the last couple of years. It is my highest interest rate from the 3 cards I have, but it is gives me some decent amazon reward points. We use Amazon a lot, and so having the rewards points go back to Amazon has been really nice. When I have had issues, it is difficult getting ahold of a person.
I have been happy with my chase credit card. My only complaint is I have had more problems with fraud with this credit card that any of my other credit cards. They have been easy to work with and have overnighted me a new card every time but it is still a pain. But every single time it has been caught and they have taken action quickly.