Chase
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
409 Reviews
Review Breakdown
Sentiment Criteria
J Crawley
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!
Kristin
One of the best companies out there. You should feel very secure when borrowing money or considering getting a bank loan .
CAROLE SCOVILLE
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.
L. Fowler
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.
Joanna Hester
Use our credit card for everything and love the points we get to buy gift cards of flights!
P Crawley
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.
Stacy Kay
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.
Samantha
This is my favorite credit card to use! Low interest, and even had zero interest for the first year I had it!
Vicki A Michaels
I like their website and cash back rewards.
Casey
Love the customer service associated with chase credit cards. The account website is easy to understand and navigate.
Michael
Great intro rate for the first year. No interest
Amanda
Love their amazon credit card! Great reward program! Easy app to use!
Maryayb
I love my chase Marriott Rewards card! I love earning points towards stays at Marriott hotels worldwide!
Sichuan
Absolutely the best. In my opinion, Chase is the industry leader due to the company's professionalism and outstanding customer service.
card user
very good, I've had no problems in my dealings with Chase Visa
Clint
Great Company!! Great Awards offered. They offer cash, Amazon deals, money towards your bill, gift cards to multiple places.
Anonymous
Rude customer service, they make you feel inadequate if you dont read the fine print
Leena
Very good experience with travel points and booking online
Tc85
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.
Excellent
Excellent and very friendly customer service
Suzanne E Slaton
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.
Heatinc
Great service, easy navigation online and notifications/ alerts are the best.
Dick Handler
Mere words cannot express my excitement at paying 29.99 percent interest.
Gioacco
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.
S lary
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
Marv1959
Change of terms. Transferred large balance at low rate fixed for life of loan. Chase reneged.
Thomas
Best credit cards that I have used over the rest...
Sandra
Good experience, I would recommend this to those who are trying to build their credit.
Jman911TTS
They are very attentive to my need and customer support is 2nd to NONE
Mjmrei
Fraud charges taken care of promptly and efficiently
June
company is fine as credit card company goes
Joel Marquez
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
Matt DuFresne
Reliable card with no security issues so far and I like the cash-back incentive.
sally hicks
actually give back 1.5% and 5% on certain items, when I have questioned charges, any issues has been resolved
Joe Yurkovich
Accepted everywhere and very responsive customer service
Frank Corbin
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.
Huntington
Decent cash back, fees are a little excessive and often unnecessary. Bad customer service 90% of the time.
Mandy
They offer excellent cash back opportunities.
Patricia
It is a pretty good card, accepted everywhere.
Carolyn Quist
rewards capability for free hotel nights
Michelle Owen
good. works nicely with the partnership with amazon
Randy Croston
never a problem with them, if i have a dispute they get on it right away
Nabil Battah
High interest rate compared with many other credit cards.
Greg Thurgood
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
Marc Reeves
Generous credit line and great on-line site.
Donna Shanahan
Interest rate is the lowest of any I have ever used ..good service
MVK
The company does not stand behind you when there is a purchase that is not legit or ethical
Odessa FL
Never a problem and excellent customer service.
Audrey Shoff
Good service,good rewards,great response on issues plus points make sense
amy ahmed
good rewards points but high interest rate