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7.3

Overall Score

LAST UPDATED: March 27th, 2024

With a history tracing back to 1799, Chase is one of the oldest and largest banks in the United States. In 1958, Chase launched the first credit card in New York City, and today the company offers a variety of different cards.

Chase credit cards are known for their excellent rewards, including competitive spending rates and a generous points program. The company provides both co-branded and Chase-branded credit card options, and its Chase Sapphire Reserve® card is one of the most popular travel rewards credit cards in the industry.

Continue reading for pros and cons, as well as Chase credit card reviews from real customers.

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The Good

  • Chase Ultimate Rewards Program
  • Co-branded Credit Cards
  • Low Introductory APRs
  • Free Credit Score Monitoring
  • Positive Customer Reviews

Chase Ultimate Rewards Program

Chase Ultimate Rewards® is the name of the company’s points program used for all Chase-branded rewards credit cards.

Chase Ultimate Rewards points can be redeemed in a variety of ways, including:

  • Cash back
  • Travel
  • Gift cards
  • Amazon and Apple purchases

Points are generally worth 1 to 1.5 cents.

The following Chase-branded cards earn Chase Ultimate Rewards:

  • Chase Sapphire Preferred®
  • Chase Sapphire Reserve®
  • Chase Freedom®
  • Chase Freedom Flex℠
  • Chase Freedom Unlimited®
  • Ink Business Cash®
  • Ink Business Preferred®
  • Ink Business Unlimited®
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Highlight: Chase Sapphire Reserve® Card

The Chase Sapphire Reserve card is one of the most popular rewards credit cards in the industry. Offering exceptional travel rewards and benefits you can get three times the points on eligible dining and travel expenses. 

Through the Chase Ultimate Rewards portal you can redeem your points and use the program’s travel-booking tool, powered by Expedia. The travel-booking tool allows you to purchase travel accommodations and other expenses with accumulated points instead of cash.

Co-branded Credit Cards

Chase offers a variety of co-branded credit cards, allowing you to earn more rewards and points with certain airlines, hotels, stores, etc. Chase is partnered with, and offers co-branded cards from, the following companies:

  • Southwest Airlines
  • United Airlines
  • British Airways
  • Aer Lingus
  • Iberia
  • Marriott Bonvoy
  • Hyatt
  • IHG Hotels
  • Disney
  • Starbucks
  • Amazon Prime

Co-branded cards generally allow you to earn points on all purchases which can then be redeemed for specific perks and purchases. For example, you can earn 1 percent in Disney reward dollars on all purchases made with the Disney® Visa® Card; reward dollars can be redeemed toward most anything at Disney or Disney locations.

Low Introductory APRs

Many Chase credit cards, including some co-branded cards, offer zero percent intro APRs for a certain number of months after opening a new card:

  • The Chase Freedom Unlimited® and Chase Freedom Flex℠ credit cards offer a 0% intro APR for 15 months from account opening.
  • The Disney® Premier Visa® and Disney® Visa® credit cards offer a 0% promotional APR for 6 months on select Disney vacation packages from date of purchase.
  • The Ink Business Cash® and Ink Business Preferred® credit cards offer a 0% intro APR for 12 months from account opening.

After the introductory/promotional period, your APR will typically range from 14.24 percent to 23.49 percent depending on your card and creditworthiness.

Free Credit Score Monitoring

To help you keep track of your credit and manage your credit score, Chase offers free credit score monitoring through its Credit Journey program.

You don't have to be a Chase customer to access Credit Journey, but you must make an account which will provide you with a variety of credit monitoring services:

  • Check your score — get your credit score at any time without affecting your credit
  • Protect your credit — protect yourself from identity fraud
  • Receive real-time alerts — get alerts when your credit score changes
  • Get personalized insights — learn how you can build and maintain your credit

Positive Customer Reviews

The majority of Chase reviews are 4 or 5 star, with customers highlighting generous rewards, excellent customer service, and helpful online tools and features. In addition, many customers mention that they have had their Chase card for years (upwards of 30 years) and are still pleased with its features.

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Customer Review: Jeremy Balls from Kaysville, Utah

“I have several rewards credit cards through Chase. They are straightforward and easy to understand and use. Never had any issues. It is nice that I can move my approved credit between credit cards.”

Poor reviews and complaints are limited, and the majority are outdated. But, some customers do mention high fees and difficulty being approved for a credit card even with a high credit score.

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The Bad

  • Annual Fees
  • Foreign Transaction Fees
  • No Secured Credit Card Option

Annual Fees

The majority of Chase credit cards have an annual fee. Fees range from $49 to $550, depending on the card. 

The popular and highly rated Chase Sapphire Reserve card has the highest annual fee of $550, but offers exceptional rewards for both dining and travel purchases. In general, cards that offer generous rewards will have a higher annual fee.

If you would like to avoid an annual fee, there are Chase credit card options available. But it is also important to note that a good to excellent credit score may be required to qualify, particularly if it is a co-branded card.

Foreign Transaction Fees

Some Chase credit cards, such as the Chase Freedom Unlimited card, do charge a foreign transaction fee of 2 to 5 percent on purchases made outside of the U.S. or in a different currency within the U.S. (e.g., buying a product online from Canada).

Chase does offer a variety of cards that don't carry this fee, but there are also other credit card issuers that don’t charge a foreign transaction fee on any cards, such as Discover or Capital One.

No Secured Credit Card Option

If you are looking to build or rebuild credit, a secured credit card can be a viable option for you. However, Chase does not offer a secured credit card. Thus, if you have bad credit or a limited credit history, you may find it difficult to qualify for a Chase credit card, especially for the use of building/rebuilding credit.

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The Bottom Line

Chase is well known for its generous rewards program, and offers a variety of cards with competitive cash back offerings or point redemption systems. You can choose from a wide selection of Chase-branded or co-branded credit cards, providing you with more flexibility in how you use your credit and what rewards would be most beneficial to you.

With a wide selection of co-branded hotel, travel, and airline cards, you can save money on travel, but it is important to note that Chase does charge a foreign transaction fee of 2 to 5 percent on some cards.

Chase customer reviews are mostly 4 and 5 star. Customers frequently confirm the generous and flexible reward offerings and are quick to praise the company’s customer service. In addition, many customers mention that they have had their Chase credit card(s) for a number of years, suggesting that Chase could be a good and reliable long-term credit option.

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Star Rating

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4.6

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889 Reviews

Review Breakdown

5 grade

65%

4 grade

22%

3 grade

6%

2 grade

3%

1 grade

3%

Sentiment Criteria

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Quality

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Service

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Dutch

I would recommend Chase always, because I forgot my wallet at home when going to office and I realized that just only dropping by to get gas for my car. I was confused on what to do, luckily I saw Chase opposite the station and I explained my situation to the customer service. With some few questions, I was given some cash to ease the stress at the moment and I was able to get to work on time

1 day ago

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Stephanie Bloniarz

My two favorite credit cards are Southwest Airlines and Amazon Chase cards! I appreciate that I can navigate both CC accounts on my Chase profile. I always feel safe and protected when using either of my Chase cards. Thank you for taking good care of your account card holders.

6 days ago

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Life Champ

Chase does offer a solid checking account, but their savings rate tend to be on the lower side.plus, some of their fees can be a bit high and tricky to avoid. I am being enjoying using it tho so I will rate it 4 star.

2 days ago

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Amani Patel Harrisonburg, VA

Chase has a variety of cards and services that cater to the needs of a diverse range of individuals. I have personally used the Chase Sapphire rewards card and have found that it offers great bonus rewards for me, since I travel and dine out frequently.

1 month ago

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Lauren Brown

Have been using chase for the last 10 years. Never had an issue getting help, whether it was unauthorized charges or something else. Happy customer!

5 days ago

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Vinnie

Awesome cash back options. Cyber security department is super thorough with keeping assets safe. Top notch customer service as well.

1 week ago Edited March 21, 2024

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HellasBlue Odessa, FL

I have a couple of credit cards with Chase and found them to have the best combination of rates and rewards. Their customer service is second to none and keeps me notified of any possible fraudulent charges .

3 weeks ago

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David franklin Miami, FL

What I really like about Chase credit cards is that they help me buy what I need and offer rewards like cash back or travel perks. There are plenty of options to choose from, so I can find one that fits my lifestyle. Plus, I can check my credit score for free with Credit Journey

1 month ago

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Larry Feinstein

We have had Chase Visa for 20+ years. Earn travel points on par with other credit cards. Customer service is top notch and they will always "fix" errors from hotels, car rental, airlines when you book through them. Never had an overcharge. We book a lot of our travel through Chase

1 month ago

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atokoose taiwo boluwatiwi Lagos, LA

They offer ne the best credit payment service, all my payments are easily transacted without any issues. Either from the recipient bank or service or from Chase. No issues experienced. They offer high card credit. Been using chase for like 3 years now.

2 months ago

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Arooj Naeem

Chase has consistently delivered a range of credit card options with attractive rewards and benefits. The flexibility of their reward programs and the widespread acceptance of Chase cards make them a top contender in the credit card market.

2 months ago

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mary martin Bossier City, LA

I've been banking with Chase for over 10 years and am a chase card credit card member as well...and it is worth it. Yes there are some fees with the accounts but the accounts have many perks that go hand in hand with those fees and actually are a super value for the small fees you pay. Anytime there is a direct deposit (stimulus, tax return, paycheck) I am almost always one of the first of everyone I know to get mine being a Chase customer. It's excellent knowing that I can access my money almost always before others due to a company like Chase Bank being on top of things. Bravo! There are also multiple options for financing credit building saving money tracking budgeting investing etc!

4 months ago Edited December 22, 2023

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Raj R

Exceptional experience with company. Offers a wide variety of credit cards and benefits. Also, has an extended warranty program for some, where an additional year is applicable past the manufacturer warranty. Process is user friendly and can save up to thousands, depending on value of product.

3 months ago

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Amanda George IL

Chase credit cards are wonderful. They are a good option for someone that has established credit, as long as you pay your bill off on time they don't have any extra fees or hidden costs. The process of applying and using your card is seamless and easy. They truly care about their customers. I have had a chase card for about 2 1/2 years and never had a problem.

8 months ago

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Verified Customer

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Andrew Weckerly

I always get right through to a real person when I call in. Their vacation protection, price drop protection, and extended warranties have all saved me money and been pretty painless experiences. Ultimate rewards is also a really seamless experience that provides tremendous value when transferring to travel partners.

3 years ago

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Candice S Milan, TN

Have had great experience with credit cards and auto loans with Chase! Balance transfers are easy and all statements are clear and concise.

1 month ago

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Carlos Sellas

I have had a good experience with Chase. Their customer service is great. They are respectful and always have options available for you.

1 month ago

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Cattone5 Fort Wayne, IN

Ok we all know JP Morgan was involved with the deaths of several in an insurance scam but Ellen who works here in a Chase bank branch is a banker who helps guide you in the right direction. Never had a problem with them that they didn't solve.

3 months ago

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Angie New York, NY

I am a Chase bank customer and trust them compared to other banks and credit card company's. I would recommend to anyone who is looking for a trust worthy bank. Customer service use to be very good. I find now their staff is rather young and inexperienced but overall I like the banking system with Chase.

3 months ago Edited December 20, 2023

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Verna Lathrop Chicago, IL

I have had a Chase card for years and found it to be one of the best. I like your customer service and the ease of making the payments. The interest rate is good what's really helps save money.

3 months ago

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Michelle Thomas Anaheim, CA

Chase has been amazing! They were there when I needed to have credit and they even increased my line of credit by request. I paid on time and I did have a huge life change and had to ask for a little grace which they graciously extended. Their customer service was top notch.

4 months ago

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Kelsey T.L. Lansing, MI

Chase credit cards offer diverse options and decent customer service, but keep an eye on the fees and interest rates. I had a good experience interaction with their customer satisfaction team, but I only wish there were more variety for rewards and benefits. They are still a solid choice overall, though, especially considering their prioritizing of customers.

4 months ago Edited October 31, 2023

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TheShannaswood Arlington, TX

I have banked with Chase for years. I had fraud on my account twice in one month of 10K and they were awesome and helped men navigate it and get my money back into my account. They have many locations all over the country, so you can always find an ATM, or go into any branch and get help, They have wonderful tellers and when you have a problem they will correct it.

7 months ago

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Richard Birnbach Monterrey, NLE

Chase offers credit cards and provides inducements for you to become a customer. I earned $700 when I opened a checking account with credit card but had to set up a ACH deposit and spend a certain amount using their credit card. They allow full payoff within the cycle period to avoid interest. A great deal, certainly beats the amount of interest you earn on the savings account.

8 months ago

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Kanesha Bates Chelsea, AL

I have a credit card account and checking account with Chase. I am very happy with the company. The two-factor authentication provides security for my personal information. With the app, I can easily manage both accounts at once. It is presents information very quickly and allows for multiple features that would take a lot of time do do separately.

8 months ago

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Sharifay Sharif Salt Lake City, UT

The chase credit card has its own section in the Chase mobile app or Chase website so to pay off the credit card you use one of your checking accounts which is easy and fast the first time I had a freedom chase credit card they said if I use the whole 500 I would get an extra 200 so I did to build up my credit and they gave me my 200 which was good for my credit because it helped it rise up about like 64 points. they monitor the credit well good And you can also see your credit through the Chase app and how you’re doing what you’re spending your credit card on and you get these points where you can turn them into cash you’ll get cash back so if you get like 20,000 points does $200 cash back every every hundred point is a dollar You can either use it to pay for things or get cash back and it’s easy to get the points they’ll tell you exactly what you need to spend your money on to get these points they be like if you go to Walmart you’ll get this much if you connect your Hulu Netflix entertainment think you’ll get this much so I connected my Hulu Netflix all entertainment television Services I watch on there.. so that it is easier for me to just pay back everything Before my due date.

1 year ago

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Jen Paxman Lehi, UT

I currently have several Chase credit cards. I love Chase, they are easy to work with and have great customer service. I love their bonus points and start up programs. We are able to travel a lot with our family because our credit card points pay for airfare, rental cars, hotels and cash. Their bills are easy to pay and I like that all of your cards are available to see on one page of the website so that I can see all of my balances at once. I also had a card stolen once and they were so helpful and overnighted me a new one at no charge to me. I would highly recommend Chase cards to anyone.

5 years ago

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Christopher Semones

My Chase Bonvoy card is incredible. The points are amazing at, and the app is simple and easy to use.

1 month ago

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Ray Chase Iowa Falls, IA

Good customer service, interest rate seemed high compared to others, but not much higher. Provides access to credit rating. All in all, my most used card.

3 months ago

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Nieceyshark Beaumont, CA

Great customer service and availability of atms everywhere. Recently had some questions about my account and was able to get my questions answered quickly.

3 months ago

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Nikki R San Jose, CA

I am very happy with the benefits I receive from my Chase credit card. I feel that the value of the benefits is worth me using the card. The app is easy to use and easy to make payments. I would recommend.

4 months ago

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David Hall Salt Lake City, UT

I've been banking with Chase for about 10 years since they financed my house. I was sad when they wouldn't let me refinance for a lower rate, so I went to someone else. I kept my checking and savings account with Chase. They are pretty good. Good app. Good website. I never need any customer help. Like most banks, you do get charged a service fee.

4 months ago

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Eric K New York, NY

Chase has been great for my credit card needs for both personal and business accounts. Their rewards are top in the industry and the app is easy to use to stay on top of my finances.

5 months ago

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Jacqueline Burgos

I have the Chase Freedom credit card starring with a credit limit on $1,000 which rapidly increased to $10,000. This surprised me a lot, since with my credit score I didn't expect the credit limit increase. The use of the app was also a plus, to manage the account and payments. Thankful for the opportunity, when most needed.

9 months ago

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Jeri Bryant

Love change cards with points to fly or get gift cards to give a gifts. Chase is always at the forefront of innovation in their industry. I use them for travel , amazon and everything . I like the help you get points with where buy on the app.

6 months ago Edited September 15, 2023

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Allen Root Kissimmee, FL

Chase has been a great company. I have used their credit cards for several years. The Amazon card is my go to card as it adds points to use on Amazon. Customer service is easy To navigate and the personnel are courteous. And resolve any issues quickly.

7 months ago

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Stacey Wilder South Bend, IN

Chase has been a great asset for our company. They are accepted everywhere we travel. Their fraud department is actively protecting our company. They are quick to spot fraud and that gives a great sense of security. Their rewards for making purchasing have benefitted us greatly.

7 months ago

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Suzie Blankenship Herndon, VA

I am loving this card. It's easy to use and notifies me of everything I'm using it for to make sure it's me before it processes it. Some may think that's a "little too much", but not me. It's my Go To card for almost everything.

7 months ago

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Ken Duvall Goodyear, AZ

I have been a BofA customer for years and finally got tired of their fees and very poor customer service!!! A friend spoke highly of Chase so I decided to give them a try. This has been a very good move. No fees, great customer service, if the tellers are busy a member of the management will step up and help out. Great Bank!!!

8 months ago

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Sherran Nutson Atlanta, GA

I am/have been a Chase customer for more than 15 plus years. Chase provides me with great financial tools and services. I liked that during the Pandemic, Chase customer service contacted me to ask if I needed assistance or needed to defer my payments without penalty.

8 months ago Edited July 17, 2023

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Mick Salem, OR

Generous CL with auto CLI's. Better than average unlimited everyday cash back and APR. No annual fee. Website is easy to navigate with minimal clicks and manual responses required to make payments. My "go to" primary card. My only wish would be for no foreign transaction fee. As I've never had occassion to contact customer service I can't comment, but overall... not a single complaint.

4 years ago

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Kim Tempe, AZ

I have 2 Chase credit cards and everything is running smooth so far. Interest rates are definitely on the higher side (even with excellent credit) but I do what I can to avoid it as much as possible. There was an incident recently where my credit card information was stolen and they instantly called me to verify the purchases as they recognized the activity was not normal. The process through the fraud department was fast and easy. Did not have to worry at all about covering those charges. I carry a Southwest airlines card and an Amazon card.

5 years ago

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Lesa Burgess Pleasant Grove, UT

I own the Marriott Rewards Premier Credit Card and I love it. I purchase all of my Marriott hotel stays on this card so I can receive the double bonus points. This card has helped me reach platinum Marriott status quicker than I could have imagined. This card has great customer service & I love the $85 for a free night every year! That reward is fantastic!

5 years ago

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Jennifer Hargrave Gilbert, AZ

The fraud protection alone is worth its weight in gold. Our credit cards, both personal and business have been compromised and Chase was on it! I was out of the country on vacation and woke up to a message from Chase regarding a purchase for concert tickets for $1200.00. Chase denied the charge, temporarily closed my account and notified me immediately. All was handled quickly and professionally and my vacation resumed. I will continue to be a Chase customer and encourage my children to open their first accounts with them.

5 years ago

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Anne Kimball Salt Lake City, UT

I use a Chase card now and have had no complaints! When I signed onto the card I got a ton of sky miles which was amazing. And now paying my bills is so easy. Also, there was once an unauthorized charge on my card and they found it. They alerted me and put a block on my card right away until they spoke with me and we got it resolved immediately because I got a text and email about it.

5 years ago

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Juan Tejera San Antonio, TX

It was my first bank, and I can say that I liked the customer service and its services a lot.

2 weeks ago Edited March 15, 2024

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Danielle Johnson Chagrin Falls, OH

Been banking with the. The last 3 years. When I had fraudulent activity the process to get my money back and lock the debit card that was compromised and sent out a new one. Was done with such ease. Also I love the chase kids first checking account. Allows me to teach my two kids at a young age how to manage money and how to use a checking and savings account

10 months ago

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OUR REVIEW Bellaire, MI

I LIKE POINTS AWARDED VIA MY CHASE CARD. I ALSO LIKE THE CUSTOMER SERVICE WHEN I CALL THEM AND NEED HELP.

1 month ago

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Jnt_421 Bethel Park, PA

I have had my card for a few years now. I did apply for a credit line increase after 6 or 7 months, and was so sure that I would get it that I agreed to let them do a hard pull on my credit... they denied my increase and my score dropped a little with two of the bureaus because of the hard inquiry. They made up for it, sort of, by more than doubling my credit line once I reached 1 year with them. It was an automatic increase, so no credit pull this time. I had some issues with fraudulent charges and when I contacted them, they took care of it immediately. It was quite difficult and time consuming getting all my bills transferred to the new card, but the credit thieves were to blame for that, not Chase. I have been able to monitor my credit and I get updates anytime there is a transaction on my account. Overall, I am satisfied with my Chase card.

1 year ago

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Joseph Zajac Hazleton, PA

I've used Chase for a number of years. I used to have a car loan with them that was at a very fair rate. Most recently I opened a Chase credit card that ties to Amazon and I'm very pleased with it. It gives me 3% cash back on purchases with Amazon and it's also available for use at any retailer or anyone that accepts the Visa card. In addition the signature Visa that I obtained came with a sign on bonus of $100 in Amazon credit which is now actually increased to what I understand to be $150. It's a great way to shop Amazon and the card also allows you to break payments into six even parts with Amazon shopping that have no interest so it becomes the same as cash. It's a really good promotion and a very fair credit card and payment arrangements structure.

2 years ago