Understand the terms. Find the benefits that fit your life.
↗Benefit Note
THE NOTEBOOK

Benefit Note: read before you choose.

Understand provider terms and make decisions that fit your life.

CHASE · GUIDE01

Your first Chase card: where to start

Choose a Chase card around your spending, annual fee and plans for using rewards.

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CHASE · GUIDE02

Is Sapphire Preferred worth the annual fee?

Evaluate recurring travel value separately from the first-year welcome bonus.

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CHASE · GUIDE03

Freedom Unlimited vs. Freedom Flex

Compare simple everyday cash back with rotating quarterly categories.

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CHASE · GUIDE04

How credit card referral offers work

Understand applicant benefits, referral compensation and the conditions on your application.

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TESLA · BEFORE YOU BUY05

Tesla referrals: what to check before ordering

Apply the referral before ordering and confirm the benefits shown for your vehicle and account.

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CHASE · GUIDE06

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.

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CHASE · GUIDE07

Chase credit scores and preapproval

A credit score or preapproval offer alone does not guarantee approval.

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CHASE · GUIDE08

Chase pending or declined: next steps

Use official application updates and understand the reason for a decision.

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CHASE · GUIDE09

Can you earn a Chase welcome bonus again?

Check the current offer, past card history and eligible purchase rules.

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CHASE · GUIDE10

Chase Ultimate Rewards transfers: before you move points

Check award availability, the actual transfer ratio and the cost of the redemption first.

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CHASE · GUIDE11

Sapphire Preferred vs. Reserve

Compare recurring benefits with the difference in annual fees.

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CHASE · GUIDE12

Keep, downgrade or cancel your Chase card?

Review points, recurring payments and account terms before making a change.

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CHASE · GUIDE13

How experienced U.S. cardholders organize their points

Plan applications, business spending and rewards around a manageable long-term system.

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CHASE · GUIDE14

Compare five Chase business cards

Choose among Ink Cash, Unlimited, Preferred, Premier and Sapphire Reserve for Business.

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CHASE · GUIDE15

Ink Business Cash: category rewards

A no-annual-fee business card for eligible office and communications spending.

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CHASE · GUIDE16

Ink Business Unlimited: simple cash back

A no-annual-fee approach to business purchases across many categories.

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CHASE · GUIDE17

Ink Business Preferred: business travel points

Compare eligible bonus categories and partner-transfer features with the annual fee.

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CHASE · GUIDE18

Ink Business Premier: cash back on larger purchases

Evaluate cash-back rewards and the fee separately from transferable travel points.

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CHASE · GUIDE19

Sapphire Reserve for Business

Assess premium business travel benefits against their ongoing cost.

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