Choose a Chase card around your spending, annual fee and plans for using rewards.
For readers comparing U.S. credit card costs and rewardsReferral disclosure · We may receive rewards when you apply or purchase through this site’s referral links. Read the full disclosure
Based on official sources, with AI-assisted writing. Examples are illustrative, not first-hand reviews or personalized advice. Original source-review dates are retained; translating a page does not reverify an offer.
Compare the key conditions
| Topic | What to check |
|---|---|
| Start with your budget | Group your last three months of purchases into dining, transportation, travel and other spending. Decide whether you want cash back or travel rewards. Pay statements in full: interest and fees can outweigh rewards. |
| Choose the role before the bonus | Compare annual fees, everyday earning categories and how you will redeem rewards. A large welcome bonus does not make an unsuitable card a good long-term choice. Value a credit only to the extent it saves money you would otherwise spend. |
| Check before applying | Read the exact card name, eligible spending requirement, deadline, APR, fees and bonus eligibility on the application screen. Approval and earning a welcome bonus are separate decisions. Read preapproval and credit scores and bonus eligibility. |
Read the full conditions and original review date. A summary does not establish eligibility or guarantee benefits.
Start with your budget
Group your last three months of purchases into dining, transportation, travel and other spending. Decide whether you want cash back or travel rewards. Pay statements in full: interest and fees can outweigh rewards.
Choose the role before the bonus
Compare annual fees, everyday earning categories and how you will redeem rewards. A large welcome bonus does not make an unsuitable card a good long-term choice. Value a credit only to the extent it saves money you would otherwise spend.
Check before applying
Read the exact card name, eligible spending requirement, deadline, APR, fees and bonus eligibility on the application screen. Approval and earning a welcome bonus are separate decisions. Read preapproval and credit scores and bonus eligibility.
Illustration: can planned spending meet the bonus?
A planned monthly budget of $800 totals $2,400 over three months. A hypothetical $4,000 requirement would leave a $1,600 gap. These are illustrative numbers, not a current offer.
Do not treat the full bonus as profit if reaching it requires unnecessary spending.
Frequently asked questions
Should I compare only the welcome bonus?
No. Compare recurring fees, usable benefits and extra spending separately from a one-time bonus.
Can this guide predict approval?
No. Approval depends on the issuer’s review of your individual application.
Sources and update history
Official sources reviewed:
Official source 1 · creditcards.chase.com (opens in a new tab)Official source 2 · creditcards.chase.com (opens in a new tab)· English editorial edition prepared September 28, 2026. Review the current provider terms before applying or ordering.
Check the final terms when applying or ordering. Corrections policy
Chase Sapphire Preferred · Reserve: review the current terms
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Approval, purchases and rewards are subject to the provider’s eligibility rules and terms.