A Complete Guide To Chase Business And Personal Credit Cards

chase bank credit cards

If you’ve been shopping around for a new credit card, whether for personal or business use, it’s likely you’ve come across a Chase credit card or three. In fact, it would be hard not to — between its own branded credit cards and its co-branded partner cards, Chase has 28 credit cards on offer. That’s a lot of credit cards!

Wouldn’t it be convenient if somebody were to gather pertinent information on every Chase credit card, compile that information into an article, then present it to you via The Internet? Well, fret not, for that day has arrived. Here’s a rundown of every Chase credit card and what each one has to offer you.

(For a look at today’s top business credit cards from Chase and other credit card companies, check out our piece on the top business credit cards of 2019.)

Chase Credit Card Details
Chase Ink Business Preferred Business card for earning points
Chase Ink Business Cash Business card for earning cash back
Chase Ink Business Unlimited Business card for flat-rate cash back
Southwest Rapid Rewards Premier Business Business card for Southwest travel
United Explorer Business Business card for United travel
Mariott Rewards Premier Plus Business Business card for Marriott loyalists
Chase Freedom Personal cash back card with a 15-month 0% intro APR
Chase Freedom Unlimited Flat-rate cash back card with a 15-month 0% intro APR
Chase Sapphire Preferred Flexible travel rewards card
Chase Sapphire Reserve High-end travel rewards card
Chase Slate No annual fee card for credit building
Southwest Rapid Rewards Priority High-end Southwest travel card
Southwest Rapid Rewards Plus Southwest travel card
Southwest Rapid Rewards Premier Southwest travel card with an anniversary points bonus
United Explorer United Airlines travel rewards card
United TravelBank United travel rewards card with no annual fee
United MileagePlus Club Expensive travel card with high-end perks
British Airways Visa Signature British Airways loyalty card w/ large signup bonus
Aer Lingus Visa Signature Aer Lingus travel rewards card w/ transferable rewards
Iberia Visa Signature High points-earning travel card
Marriott Rewards Premier Plus Personal version of the Marriott Rewards Premier Plus Business
The World Of Hyatt Hyatt loyalty card with elite rewards
Disney Premier Visa Card for earning Disney Rewards Dollars
Disney Visa Card for earning Disney Rewards Dollars with no annual fee
IHG Rewards Club Premier Card for earning 10X points at IHG Properties
Starbucks Rewards Visa Card for earning Starbucks Stars
Amazon Rewards Visa Signature 5% Amazon rewards for Amazon Prime members
AARP Credit Card from Chase Cash back card with no annual fee

Business Credit Cards Offered By Chase

1) Chase Ink Business Preferred

Chase Ink Business Preferred



Apply Now 

Annual Fee:


$95

 

Purchase APR:


18.24% – 23.24%, Variable

The Chase Ink Business Preferred card is a great card for business owners looking to get rewarded for their travel purchases. The Ink Business Preferred will see you earning 3 points for every $1 spent on the first $150,000 in combined purchases on travel and select business categories each year.

The Ink Business Preferred also offers an exceptional bonus offer. You’ll get 80,000 points after you spend $5,000 on purchases in your first 3 months of card use, which equates to $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards.

It’s the most “high-end” of the three business credit cards Chase currently offers (not counting the co-branded cards). Unfortunately, this means that unlike the others, this card carries a $95 annual fee.

Image

2) Chase Ink Business Cash

Chase Ink Business Cash



Apply Now

Annual Fee:


$0

 

Purchase APR:


15.49% – 21.49%, Variable

With no annual fee, the Chase Ink Business Cash is all about — quelle surprise! — the cash back.

Here’s the card’s cash back structure:

  • Earn 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable, and phone services
  • 2% cash back on the first $25,000 spent per year in combined purchases at gas stations and restaurants
  • 1% unlimited cash back on all other purchases

Chase Ink Business Cash℠ Learn More Earn $500 Bonus Cash Back 

3) Chase Ink Business Unlimited

Chase Ink Business Unlimited


chase ink business unlimited
Apply Now 

Annual Fee:


$0

 

Purchase APR:


15.49% – 21.49%, Variable

Chase Ink Business Unlimited is a cash back business card for business owners who would rather not have to worry about which purchases will earn more points than other purchases. The card gives you a flat 1.5% cash back on all purchases with no limit to the number of points you can earn per year. Nice and simple.

As with Ink Business Cash, there’s no annual fee. And like the Ink Business Cash (but unlike the Preferred card), the Ink Business Unlimited offers a 0% intro APR on purchases and balance transfers for 12 months.

Now, let’s check out Chase’s partner business cards.

4) Southwest Rapid Rewards Premier Business Card

If your business has you flying frequently with Southwest Airlines (and only Southwest — Southwest has no airline partners), Chase’s Southwest Rapid Rewards Premier Business card may intrigue you.

You’ll get a hefty bonus offer: 60,000 points after you spend $3,000 on purchases in the first 3 months. You’ll then get:

  • 2 points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
  • 1 point per dollar spent on everything else

The card carries a $99 annual fee.

5) United Explorer Business Card

This business card is designed to reward the business traveler who flies United. A bonus offer of 75,000 miles awaits you if you spend $5K on purchases in the first 3 months.

You’ll earn 2 miles per dollar spent on all United purchases as well as on purchases at restaurants, gas stations, and office supply stores (1 mile per dollar on all other purchases). You’ll also get such perks as a free checked bag (a $120 value per round trip), two one-time United Club passes each year, and priority boarding for you and any companions on the same reservation.

The card carries a $95 annual fee after the first year, which is free.

6) Marriott Rewards Premier Plus Business

Here’s a business travel card for those who like to stay in Marriott hotels. Similar to Chase’s other branded partner business cards, you’ll get a 75,000 point bonus for spending $3K in the first 3 months.

When you use your Marriott card at participating Marriott and Starwood properties, you’ll get an impressive 6 points for every dollar spent. You’ll get 2 points per dollar on all other spending. The card does carry a $95 annual fee, however.

Personal Credit Cards Offered By Chase

7) Chase Freedom

Chase Freedom



Compare

Annual Fee:


$0

 

Purchase APR:


17.24% – 25.99%, Variable

The Chase Freedom card is a simple personal credit card with no annual fee, a 15-month 0% intro APR period, and rotating rewards categories.

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories per quarter. The bonus categories change on a quarterly basis. You’ll earn 1% cash back on all other purchases.

8) Chase Freedom Unlimited

Chase Freedom Unlimited



Compare

Annual Fee:


$0

 

Purchase APR:


17.24% – 25.99%, Variable

The Chase Freedom Unlimited card resembles the Chase Freedom card in almost every way — same lack of an annual fee, same 15-month 0% APR period, same signup bonus ($150 after you spend $500 on purchases in your first 3 months). The one real difference lies in how you accumulate cash back.

Instead of having to worry about rotating 5% cash back categories, the Freedom Unlimited offers a flat 1.5% cash back on every purchase.

9) Chase Sapphire Preferred

Chase Sapphire Preferred



Compare

Annual Fee:


$95 ($0 the first year)

 

Purchase APR:


18.24% – 25.24%, Variable

The Chase Sapphire Preferred card is a personal travel rewards card from Chase. You’ll get 2 points for every dollar spent on travel and dining and one point per dollar on everything else.

When you redeem your points for Ultimate Rewards portal purchases, your points will be worth 1.25 cents apiece. The card carries a $95 annual fee, waived for the first year.

10) Chase Sapphire Reserve

Chase Sapphire Reserve



Compare

Annual Fee:


$450

 

Purchase APR:


17.99% – 24.99%, Variable

Want a high-end travel card with great perks and high points earning potential? Don’t mind paying a huge annual fee of $450 a year? Chase’s exclusive Sapphire Reserve may be right up your alley.

With the Sapphire Reserve, not only will you earn 3 points per dollar spent on travel and dining (as opposed to 2 with the Sapphire Preferred), but your point value (when redeemed through the Ultimate Rewards portal) will be 1.5 cents piece. Plus, you’ll get some great luxury perks, such as a $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck, and Priority Pass Select lounge access.

11) Chase Slate

Chase Slate



Compare

Annual Fee:


$0

 

Purchase APR:


16.99% – 25.74%, Variable

The Chase Slate card is unlike most of the cards in Chase’s portfolio in that its purpose is to help you build your credit and get out of debt. There’s no signup bonus and no rewards to earn. It’s not an exciting card, but it is a utilitarian one.

The Chase Slate card charges no fee for balances transferred to it within 60 days of opening your account. Combine that with an intro 0% APR period of 15 months, no annual fee, and free access to your FICO score, and you’ve got a card that helps smooth out your finances.

Chase currently offers 17 personal partner cards — mostly travel rewards cards. Let’s do a quick rundown of each of them.

12) Southwest Rapid Rewards Priority

If you don’t mind a $149 annual fee, Chase’s Southwest Rapid Rewards Priority card will deliver you more benefits than any other Southwest-branded card.

You’ll get 2 points per dollar spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases, and 1 point per dollar on everything else. But that’s just the beginning. You’ll also get the following:

  • 7,500 anniversary points each year
  • $75 annual Southwest travel credit
  • 4 upgraded boardings per year
  • Get 20% back on in-flight purchases
  • A host of retail and travel protections

13) Southwest Rapid Rewards Plus

The Southwest Rapid Rewards Plus card is the less-exclusive sibling of the Rapid Rewards Priority card. The annual fee is a more reasonable $69, and you’ll get some nice rewards, even if they don’t rise to the level of the Priority card’s rewards.

Just as with the priority card, you’ll get 2 points per dollar spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases and 1 point per dollar on everything else. You’ll also get an annual anniversary bonus of 3,000 points and other travel benefits. Unfortunately, there is a 3% foreign transaction fee.

14) Southwest Rapid Rewards Premier

The Southwest Rapid Rewards Premier rounds out the three Southwest-cobranded Chase personal travel cards. The Premier card has a $99 annual fee, right between that of the Plus and the Priority card. Call it the middle child of the Chase Southwest personal cards.

The points-earning structure is the same as that of the other two Southwest personal cards. Along with that, you’ll get a 6,000 point anniversary bonus each year and 1,500 tier-qualifying points for every $10,000 spent on the card each year — up to 15,000 annually. These tier-qualifying points help you reach A-List or A-List Preferred status faster than you otherwise would.

15) United Explorer

The United Explorer card is one of three United-cobranded Chase personal credit cards. Naturally, they reward traveling with United Airlines.

The United Explorer card carries an annual fee of $95 after an initial free first year. Use of the card will earn you 2 miles per $1 spent on purchases from United and on restaurants and hotel stays, and 1 mile per $1 spent on everything else. You’ll also get:

  • $100 Global Entry or TSA PreCheck fee credit
  • 25% back on United inflight purchases
  • Check your first bag for free
  • Priority boarding privileges
  • Two one-time United Club passes each year on your card anniversary

16) United TravelBank

The United TravelBank card carries no annual fee and will see you earning cash back instead of United miles. You’ll earn 2% cash back on all United purchases and 1.5% back on all other purchases.

Other United TravelBank benefits include 25% back on United inflight purchases, no foreign transaction fees, and entry into Chase’s Inside Access program through which you can get all manners of luxury perks and VIP experiences.

17) United MileagePlus Club

The United MileagePlus Club card is the luxury card of the Chase United personal credit card triumvirate. Accordingly, the annual fee is a steep $450 per year.

This card gives you all the goodies:

  • 50,000-mile sign-up bonus after you spend $3K in the first three months
  • Earn 2 miles per dollar on United spending and 1.5 miles per dollar on all other spending
  • United Club membership (a $550 value)
  • Two free checked bags per United flight
  • Priority check-in and baggage handling
  • World of Hyatt Discoverist status
  • Hertz Gold Plus Rewards President’s Circle membership
  • No foreign transaction fees

18) British Airways Visa Signature

The British Airways Visa Signature card uses Avios reward points (Avios being a currency shared by several other airlines).

You’ll earn 4 Avios points for every $1 spent on your first $30,000 in purchases within your first year. You’ll also earn 3 Avios per $1 spent on British Airways, Iberia and Aer Lingus purchases and 1 Avios per dollar spent on everything else. What’s more, if you make $30,000 in purchases on your card in a calendar year, you’ll earn a Travel Together Ticket, good for two years.

The British Airways Visa Signature card carries a $95 annual fee but has no foreign transaction fee.

19) Aer Lingus Visa Signature

For an annual fee of $95, the Aer Lingus Visa Signature card has the same Avios-earning structure as the British Airways Visa Signature card.

The card carries no foreign transaction fee, gives you priority boarding on Aer Lingus flights (the one real difference with the BA card, which gives you priority on BA flights), and a free economy ticket good for 12 months after you spend $30K in a calendar year. It’s largely the same card as the British Airways Visa Signature card (except for the branding).

20) Iberia Visa Signature

The Iberia Visa Signature card is essentially the same credit card as the previous two airline-cobranded travel cards.

The card currently has an impressive bonus offer of 100,000 Avios:

  • Earn 50,000 Avios after you spend $3,000 on purchases in the first 3 months
  • Earn an additional 25,000 Avios after you spend $10,000 on purchases in the first year
  • Earn a further 25,000 Avios after you spend $20,000 total on purchases in the first year

21) Marriott Rewards Premier Plus

The Marriott Rewards Premier Plus card is Chase’s personal version of their similarly-named Marriott business card.

Some key features:

  • $95 annual fee
  • 75,000 bonus points if you spend $3,000 in the first 3 months
  • Earn 6 points per dollar at Marriott Rewards and SPG hotels
  • Earn 2 points per dollar on all other purchases
  • Annual free night stay in a hotel up to 35,000 points

22) The World Of Hyatt

The awkwardly-named The World Of Hyatt card is a hotel travel rewards card, largely similar to the Marriott Rewards Premier Plus. There’s a bonus offer of up to 50,000 points, with free nights starting at 5,000 points. The best perk: you’ll get a free night certificate each anniversary year, good for a Category 1-4 Hyatt room.

The card carries a $95 annual fee and no foreign transaction fees.

23) Disney Premier Visa

For an annual fee of $49, the Disney Premier Visa is a card for all you Disney superfans out there. Your rewards come in the form of Disney Reward dollars.

You’ll earn 2% at gas stations, grocery stores, restaurants, and most Disney locations, and 1% on all other purchases. Your Disney Reward dollars can be redeemed toward Disney theme park visits, Disney cruises, Disney/Star Wars movies, and shopping at the Disney store. Plenty of other Disney-related perks come with the card as well.

24) Disney Visa

The Disney Visa is the down-market version of the Disney Premier Visa. There’s no annual fee, but you’ll only earn 1% Disney Reward dollars back with your purchases — a pretty meager rewards rate.

Most of the perks of the Disney Premier Visa apply to the Disney Visa.

25) IHG Rewards Club Premier

The IHG Rewards Club Premier card is a card for people who frequent IHG hotels. For an $89 annual fee, you’ll earn a whopping 10 points per dollar spent at IHG hotels. That’s a pretty impressive earning rate. However, you can’t do much with your points besides redeem them for IHG hotel stays.

26) Starbucks Rewards Visa

Finally, a credit card for you Starbucks-heads out there. Starbucks rewards come in the form of Stars, the value of which can vary based on what Starbucks item you redeem them for, though it generally comes out to about 4 cents apiece.

As a bonus offer, you’ll get 2,500 Stars after you spend $500 on purchases in the first 3 months. You’ll also get a Star for every dollar you put onto your Starbucks card using your Starbucks Reward Visa and 2 Stars for every dollar you spend using your Starbucks card, meaning you can earn 3 Stars for every dollar you spend at Starbucks assuming you literally play your cards right.

For all other purchases on your Starbucks Visa, you’ll earn a Star for every 4 dollars you spend.

27) Amazon Rewards Visa Signature

The Amazon Rewards Visa Signature card is a nice cash back card. You’ll get a $50 Amazon gift card upon being approved, and you’ll earn 3% cash back on Amazon and Whole Foods purchases, 2% cash back at gas stations, restaurants, and drugstores, and 1% cash back on all other purchases.

There’s no annual fee and no foreign transaction fee.

28) AARP Credit Card from Chase

The AARP Credit Card from Chase is a decent, if boring, cash back credit card. You don’t even need to be an AARP member to get one.

Earn 3% cash back on restaurants and gas station purchases and 1% everywhere else. For a card with no annual fee, the 3% cash back you’ll get in the aforementioned categories is pretty generous.

Final Thoughts

There you have it — a summary of every credit card Chase currently has to offer. All 28 of them!

One last thought: be wary of Chase’s 5/24 rule. It’s not an explicit policy, but more of an unwritten rule and therefore precise details are hard to come by, but generally, if you have opened 5 or more credit cards (any credit cards, not just Chase cards) over the previous 24 months, Chase will not issue you the card you’re applying for.

Now, there are a number of Chase cards that are exempt from this rule, but this group of cards has been shrinking rapidly and changes frequently, so I can’t give you a definitive list of Chase cards exempt from the 5/24 rule. Just be aware that you can’t take out an unlimited number of Chase cards to game the rewards system, nor is it recommended. Instead, you’ll have to be more strategic if you’re a rewards-hunter.

For more credit card-related information, check out the links below.

  • The Best Free Credit Score Sites
  • A Guide To Using Personal Credit Cards For Business Expenses
  • Fast Approval Business Credit Cards For Small Business Owners

The post A Complete Guide To Chase Business And Personal Credit Cards appeared first on Merchant Maverick.

“”