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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416 Reviews

Review Breakdown

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

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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Rose Risk

September 25th, 2017 Louisville, KY

There is no yearly fees and it is just a great company to have

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Megan Van Peenen

September 25th, 2017 Pompton Lakes, NJ

I like the card, however I have nothing to ahi for the thousands I've spent on my United card. I have never received one plane ticket from all the money we have spent.

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Susan Miracle

September 25th, 2017 Louisville, KY

they are pests. Everytime you turn around they are sending you blank checks for you to tranfer other credit debt. Their rates are slightly higher. Or they keep sending you junk mail.

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Verna Poole

September 25th, 2017 Fort Lauderdale, FL

They're great, and I love the accuracy of my account. Friendliness of the bank staff

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M C Wilson

September 14th, 2017 Fort Pierce, FL

The interest rate is a little to high. Been a card member for along time and CHASE knows my payment history.

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Elizabeth Prothro

September 14th, 2017 Albuquerque, NM

Interest rates are high and going higher but customer service is good.

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David Hieronymus

September 14th, 2017 Vancouver, WA

okay service; okay interest rate; okay everything. Just okay.

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Anonymous

September 14th, 2017 Preston, ID

I have NEVER had any problems. Whenever I have needed to call I actually get to talk to a person. Their customer service is GREAT!!!

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Michelle Stewart

September 14th, 2017 Cornelius, OR

Customer services is null, not willing to work with long standing customers about interest rates or services.

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Irene Schmigiel

September 14th, 2017 Buffalo, NY

I have had no issues. The only thing I wish for is that someday I could actually talk into my bracelet and pendant. Sometimes I forget to take the piece you talk into and listen to,

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Clifford Parker

September 14th, 2017 Fairview Heights, IL

I've had the card for 30 plus years and have never had a problem with service or the products offered by Chase. I am completely satisfied with Chase and would gladly recommend their services to my family and friends.

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John G. Ambrose

September 14th, 2017 San Diego, CA

low interest rate, high credit line, convenience checks often

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hanson kathleen

September 12th, 2017 Forest Lake, MN

They are very nasty people unwilling to work with you report incorrectly and will not correct any issues they do whatever they want to your credit report I have a credit agency working on this and cannot get anywhere with them

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Danish Noor

September 12th, 2017 Peoria, IL

Good Customer Service and Support. Can do better on the cash back. There are others credit cards out there that are offering more cashback points with no annual fees

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James

September 12th, 2017

Great return on money spent and low fees

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Sheila Sheets

September 12th, 2017 Ithaca, NY

Unexpected rate hikes when economy is not performing well; misleading promotions ending in NG results

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Chris Kramer

September 12th, 2017

Refused to adjust APR after incorrect information was removed from credit report. My APR was evaluated on false information.

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Jonathan Irizarry

September 12th, 2017 Newark, NJ

Intrest rates and also customer support has downgraded from what it was at one point

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Zai Namaste

September 12th, 2017 Elizabeth, NJ

I am overall satisfied with their service. I've never had a problem with them. They have excellent customer service.

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Kim Fahrni

September 12th, 2017

Chase offers fair incentives. The application process is quick and easy.

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Nicol Palomar

September 12th, 2017 San Jose, CA

They are good, but dealt with alot of confusion on their end which just made everything go down hill trying to straighten out

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Deborah Ramsey

September 12th, 2017 Sterling, VA

Because they answer all my questions and work with me on the due date that is perfect for me

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Jason Prunick

September 12th, 2017 Marquette, MI

I love the reward points and the APR is low.

Verified Customer

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Anonymous

September 12th, 2017 Forney, TX

Extremely reliable. Great for traveling points.

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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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 II

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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Ann Kelley

August 7th, 2017

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