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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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293 Reviews

Review Breakdown

5 star
60%
4 star
25%
3 star
7%
2 star
3%
1 star
5%

Sentiment Criteria

Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Verified Customer

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Anonymous
September 12th, 2017 Forney, TX

Extremely reliable. Great for traveling points.

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Bobbie Giles
September 12th, 2017 Richmond, VA

My card allows me to receive discounts on Amazon orders

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Angelica Torres
September 12th, 2017 Arverne, NY

I think the interest rate is astronomical, considering we have excellent credit.

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Ed Thibodo
September 12th, 2017 El Cajon

They provide a reasonable rewards program and twice noticed a fraudulent charge.

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Heather Asher
September 12th, 2017 Lenoir City, TN

They're fair and treat their customers fairly. Applying and managing your account is easy and very self explanatory.

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Fernando Tapia
September 12th, 2017 Panama City, FL

Excellent customer service, low rates, good rewards

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Mario Renteria Jr
September 12th, 2017 San Antonio, TX

Never helped with lowering rate, always kept me in the high twenties just to make money off me I feel.

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MERRY C WEHRLE
September 12th, 2017 Peoria, IL

good service, on time payments get me a higher credit limit

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Oleeta
September 12th, 2017 Lagrange, GA

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.

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Allan
September 12th, 2017 Jacksonville, FL

They are nice people, service is great I am pleased with this bank. What more do you want?

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Tom Fisher
September 12th, 2017 Easley, SC

Market acceptance of their cards. Rewards. Customer service.

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Richard Anderson
September 12th, 2017 Chicago, IL

High Interest Rates from my own bank. Disappointed with the fact my other cards offer a better rate

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George Vanek
September 12th, 2017 Sherman Oaks, CA

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!!!

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Jerry Galbreath
September 12th, 2017 Seal Beach, CA

Great service and personnel are friendly and helpful. Frequent flyer miles are too high to make reservations.

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Anonymous
August 14th, 2017 Midlothian, VA

Never had any problem with them, of course would always like cheaper interest rate.

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Kevin Mullins
August 14th, 2017 Trenton, NJ

Chase Credit Card is extremely on top of Fraud attacks

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Lindsey
August 14th, 2017

They work with those who have financial issues.

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Katina Henderson
August 14th, 2017 Spokane, WA

They are consistent, and they have good rewards and benefits, but the interest rate is too high for someone with a 750+ credit score.

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Shari
August 14th, 2017 Lakeside, CA

easy to use and access the card and they have bank and ATM locations everywhere.

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Sue
August 14th, 2017 Mesa, AZ

Interest rates are too high and nonnegotiable

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ken hedrick
August 14th, 2017 Palm Springs, CA

Easy to read statement, high credit limit, and United points. What not to like.

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Richard Upjohn
August 14th, 2017 Sausalito, CA

They're Knowledgeable reps who speak english

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Jose Garcia
August 14th, 2017 San Antonio, TX

Easy qualify. Great 0% introductory period and high limit

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lawrence Tommer
August 14th, 2017 Kent, WA

Very helpful all the time whether on the phone or I walk into the bank

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Doris Miller
August 8th, 2017 Fort Lauderdale, FL

They have good rates and great customer service

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Anonymous
August 8th, 2017 Cathedral City, CA

Love their Web Site. Easy to do business with.

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Teresa Wehunt
August 7th, 2017 Plantation, FL

Never have a problem, they are always accurate, professional and courteous!

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Daniel Engel
August 7th, 2017 Arlington, VA

They were more willing to let me transfer my balance than give me a temporary promotional APR

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Dan Harris
August 7th, 2017

easy to work with and easy to access account information on line!

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Carlos robles
August 7th, 2017 Budd Lake, NJ

They are a great bank but hold high aprs and have not raise my limits in over a year

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Carlos robles
August 7th, 2017 Budd Lake, NJ

Decent costumer service and interest rates are alright

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Ann Kelley
August 7th, 2017

Good customer service and issues are carefully reviewed and handled in a timely manner.

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Ann Falcone
August 7th, 2017

Rated 9 for cusotmer service, ease of use on mobile app

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Anita Van Dam
August 7th, 2017

Always willing to work with me when I have a dispute. Unlike bank of America.

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Edward C Forbes
August 7th, 2017

Used it as a balance transfer card, until I paid off the balance. Beginning to use as a credit card

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Glen Meyer
August 7th, 2017

They are always making sure im the one using the card with higher purchases.and i get rewards

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migdalia jackson
August 7th, 2017 Fort Worth, TX

I have been with this company for more than a decade. Customer service is great

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Walter Cole
August 7th, 2017

they have been very responsive to my needs

Verified Customer

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Anonymous
July 27th, 2017 Baltimore, MD

I have had good experiences with Chase and appreciate the cash back offers they have.

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Lori S
June 13th, 2017 Sandy, UT

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.

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Aubrey Rentschler
June 12th, 2017 Salt Lake City, UT

I have been happy with this card. We do not have any annual fees and received a nice bonus when we signed up.

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Susan Stewart
June 6th, 2017 Salt Lake City, UT

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.

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Breanna Jones
June 6th, 2017 Herriman, UT

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.