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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409 Reviews

Review Breakdown

5 star
63%
4 star
24%
3 star
6%
2 star
3%
1 star
4%

Sentiment Criteria

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J Crawley

June 4th, 2018 Provo, UT DETAILS arrow_drop_down
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I'm a new Chase customer. I've been impressed by Chase's professional customer service and ease of enrollment. We received our credit cards quicker than we anticipated. Great service!

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Kristin

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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One of the best companies out there. You should feel very secure when borrowing money or considering getting a bank loan .

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CAROLE SCOVILLE

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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Chase is great and always very helpful when I have a question - I only wish that they allowed for more than 180 days of data download at a time.

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L. Fowler

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I have had my chase credit card for years and enjoy the benefits of their rewards program. I pay on time and if I ever have problem they are always available. I lost my card and they sent me new one right away and made sure that I was covered.

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Joanna Hester

May 29th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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Use our credit card for everything and love the points we get to buy gift cards of flights!

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P Crawley

May 29th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I just got the Chase Saphire Card and love it. I use it for everything and already gotten enough points to buy 2 round trips tickets to Florida.

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Stacy Kay

May 16th, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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It's okay. I have never had a problem with it. I use my points at different online dealers. Easy payment system. Good card when you are starting out to build your credit.

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Samantha

May 4th, 2018 Millville, UT DETAILS arrow_drop_down
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This is my favorite credit card to use! Low interest, and even had zero interest for the first year I had it!

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Vicki A Michaels

May 2nd, 2018 DETAILS arrow_drop_down
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I like their website and cash back rewards.

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Casey

May 1st, 2018 DETAILS arrow_drop_down
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Love the customer service associated with chase credit cards. The account website is easy to understand and navigate.

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Michael

April 16th, 2018 Ogden, UT DETAILS arrow_drop_down
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Great intro rate for the first year. No interest

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Amanda

April 16th, 2018 Sherwood, OR DETAILS arrow_drop_down
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Love their amazon credit card! Great reward program! Easy app to use!

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Maryayb

April 11th, 2018 Draper, UT DETAILS arrow_drop_down
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I love my chase Marriott Rewards card! I love earning points towards stays at Marriott hotels worldwide!

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Sichuan

March 5th, 2018 Canton, OH DETAILS arrow_drop_down
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Absolutely the best. In my opinion, Chase is the industry leader due to the company's professionalism and outstanding customer service.

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card user

March 5th, 2018 Hendricks, MN DETAILS arrow_drop_down
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very good, I've had no problems in my dealings with Chase Visa

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Clint

March 5th, 2018 Gilbert, SC DETAILS arrow_drop_down
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Great Company!! Great Awards offered. They offer cash, Amazon deals, money towards your bill, gift cards to multiple places.

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Anonymous

March 5th, 2018 Peoria, AZ DETAILS arrow_drop_down
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Rude customer service, they make you feel inadequate if you dont read the fine print

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Leena

March 5th, 2018 Cupertino, CA DETAILS arrow_drop_down
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Very good experience with travel points and booking online

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Tc85

March 5th, 2018 Chula Vista, CA DETAILS arrow_drop_down
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I got a bonus rewards when I open a creditcard in Chase with no annual fee. I used it for a while and got a good cash back.

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Excellent

March 5th, 2018 Dixon, CA DETAILS arrow_drop_down
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Excellent and very friendly customer service

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Suzanne E Slaton

March 5th, 2018 Homosassa, FL DETAILS arrow_drop_down
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They give you no slack at all...I was in a store and my credit card was declined. The amount was less than $15. I was so embarrassed I stepped aside and call Chase CS. They would not approve the transaction after just paying $100 the CS person asked for another payment. I ask him to please approve this transaction and he refused. I have been a long standing card member with them and never been late. So I asked him to close my account. He was more than happy to close it.

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Heatinc

March 5th, 2018 Port Saint Lucie, FL DETAILS arrow_drop_down
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Great service, easy navigation online and notifications/ alerts are the best.

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Dick Handler

March 5th, 2018 Sonoma, CA DETAILS arrow_drop_down
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Mere words cannot express my excitement at paying 29.99 percent interest.

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Gioacco

February 26th, 2018 Mahopac, NY DETAILS arrow_drop_down
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They have a great combination of online, automated telephone, and telephone representatives. They also send messages via email and/or text messages if there is any unusual credit activities. They take my security very seriously and I like that.

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S lary

February 26th, 2018 DETAILS arrow_drop_down
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Received a notice which read my card may have been compromised ..when I called No one knew why and "forwarded" me to AMAZON. And they did not know either

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Marv1959

February 26th, 2018 Ashtabula, OH DETAILS arrow_drop_down
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Change of terms. Transferred large balance at low rate fixed for life of loan. Chase reneged.

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Thomas

February 26th, 2018 Englewood, CO DETAILS arrow_drop_down
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Best credit cards that I have used over the rest...

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Sandra

February 26th, 2018 San Jacinto, CA DETAILS arrow_drop_down
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Good experience, I would recommend this to those who are trying to build their credit.

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Jman911TTS

February 26th, 2018 San Diego, CA DETAILS arrow_drop_down
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They are very attentive to my need and customer support is 2nd to NONE

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Mjmrei

February 26th, 2018 Bellevue, WA DETAILS arrow_drop_down
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Fraud charges taken care of promptly and efficiently

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June

February 26th, 2018 DETAILS arrow_drop_down
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company is fine as credit card company goes

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Joel Marquez

January 22nd, 2018 Tucson, AZ DETAILS arrow_drop_down
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i love em the rewards are awesome i went to bank to raise my limit and had $170 bucks there Belem my banker intantly help me out and got me those 170 buck back into my account

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Matt DuFresne

January 22nd, 2018 Castle Rock, CO DETAILS arrow_drop_down
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Reliable card with no security issues so far and I like the cash-back incentive.

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sally hicks

January 15th, 2018 Canyon Lake, TX DETAILS arrow_drop_down
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actually give back 1.5% and 5% on certain items, when I have questioned charges, any issues has been resolved

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Joe Yurkovich

January 15th, 2018 Georgetown, TX DETAILS arrow_drop_down
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Accepted everywhere and very responsive customer service

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Frank Corbin

January 15th, 2018 Richmond, TX DETAILS arrow_drop_down
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I have had good service with my Chase United Mileage Plus card. My transactions are accurately processed and I find their website easy to use.

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Huntington

January 15th, 2018 Vancouver, WA DETAILS arrow_drop_down
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Decent cash back, fees are a little excessive and often unnecessary. Bad customer service 90% of the time.

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Mandy

January 15th, 2018 Fulton, NY DETAILS arrow_drop_down
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They offer excellent cash back opportunities.

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Patricia

January 9th, 2018 DETAILS arrow_drop_down
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It is a pretty good card, accepted everywhere.

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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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amy ahmed

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