Chase cards,
explained one by one.
From choosing a card to applying, earning a bonus and using points, find a guide for your question.
Five Chase personal cards
Chase Sapphire Preferred
Travel rewards with a relatively modest annual fee.
Explore benefits and conditions →Annual fee $795Chase Sapphire Reserve
Premium travel benefits for frequent travelers who can use them.
Explore benefits and conditions →Annual fee $0Chase Freedom Unlimited
Simple everyday cash back without managing rotating categories.
Explore benefits and conditions →Annual fee $0Chase Freedom Flex
Rotating category cash back for readers comfortable with quarterly activation.
Explore benefits and conditions →Annual fee $0Chase Freedom Rise
An entry-level card for people building U.S. credit history.
Explore benefits and conditions →Chase business cards for your business spending
Explore four Ink cards and Sapphire Reserve for Business.
Compare five Chase business cards
Choose among Ink Cash, Unlimited, Preferred, Premier and Sapphire Reserve for Business.
Ink Business Cash: category rewards
A no-annual-fee business card for eligible office and communications spending.
Ink Business Unlimited: simple cash back
A no-annual-fee approach to business purchases across many categories.
Ink Business Preferred: business travel points
Compare eligible bonus categories and partner-transfer features with the annual fee.
Ink Business Premier: cash back on larger purchases
Evaluate cash-back rewards and the fee separately from transferable travel points.
Sapphire Reserve for Business
Assess premium business travel benefits against their ongoing cost.
Which card should you choose?
Narrow your options by annual fee and spending habits.
How experienced U.S. cardholders organize their points
Plan applications, business spending and rewards around a manageable long-term system.
Your first Chase card: where to start
Choose a Chase card around your spending, annual fee and plans for using rewards.
Is Sapphire Preferred worth the annual fee?
Evaluate recurring travel value separately from the first-year welcome bonus.
Sapphire Preferred vs. Reserve
Compare recurring benefits with the difference in annual fees.
Freedom Unlimited vs. Freedom Flex
Compare simple everyday cash back with rotating quarterly categories.
What should you check before and after applying?
Understand credit scores, preapproval, 5/24, bonus eligibility and application status.
Chase credit scores and preapproval
A credit score or preapproval offer alone does not guarantee approval.
Chase 5/24: understand your recent card history
The commonly discussed 5/24 guideline is a rolling 24-month concept, not an annual five-card allowance.
Can you earn a Chase welcome bonus again?
Check the current offer, past card history and eligible purchase rules.
Chase pending or declined: next steps
Use official application updates and understand the reason for a decision.
How credit card referral offers work
Understand applicant benefits, referral compensation and the conditions on your application.
How should you manage cards and points?
Check the consequences before transferring points or changing a card.