Best Chase rewards credit cards

women getting coffee together

Using rewards credit cards is the double play of the financial world. You can use a credit card to make the purchases you need to make, and you can earn rewards that you can turn into cash or products you want or need, simultaneously. Chase Ultimate Rewards offers a variety of credit card options, so you can choose the card that helps you to maximize your reward benefits. 

“Credit cards that offer rewards incentives are an easy way to earn extra money on purchases you were planning to make anyway. The challenge is to not let the cards’ incentives influence your purchases,” says Stephanie Schill from wynninginlife.com.

Chase Freedom card

Chase Freedom®

The elevator pitch

The Chase Freedom is one of the best rewards credit cards on the market, but it’s not for rookies. If you’re willing to track the quarterly rotating categories to match your spending to those categories, you can maximize your reward points.

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. You can also earn unlimited 1% cash back on all your other purchases.

Sweeteners

  • Long Introductory rate: 0% intro APR on purchases and balance transfers for the first 15 months after opening an account
  • Sign-on bonus: Earn a $200 bonus when you spend $500 on purchases in the first three months of opening an account
  • Reward points never expire as long as your account remains open
chase freedom unlimited

Chase Freedom Unlimited®

The elevator pitch

The Chase Freedom Unlimited is one of the best starter rewards cards on the market, so it is for a rookie trying to get their footing in the rewards credit card arena. It has an easy flat-rate rewards structure, making it simple for newcomers to the cash back game.

There is no minimum or maximum amount to earn rewards. Reward points never expire and you can use the rewards to make purchases on Amazon and more.

Sweeteners

  • Flat-rate 1.5% cash back reward
  • There’s a 0% interest for the first 15 months on purchases and balance transfers
  • No annual fee
chase sapphire reserve

Chase Sapphire Reserve®

The elevator pitch

The Chase Sapphire Reserve is made for those who spend on airfare, hotels and dining. Chase Sapphire Reserve is one of the best credit cards on the market for those who spend more in these categories because you earn 3x the reward points in these categories. Other category spending still has its rewards, so you earn one point per dollar spent.

With a $450 annual fee, the Sapphire Reserve is pricey, but worth it for a discerning traveler who enjoys VIP perks.

Sweeteners

  • Get 50% more in travel redemption rewards when you redeem through Chase Ultimate Rewards
  • Earn $300 of annual travel credit on your statement for travel purchases made to your card on each anniversary
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.
chase sapphire preferred

Chase Sapphire Preferred®

The elevator pitch

The Chase Sapphire Preferred is made for those who travel and dine out, whether it’s fine dining or cafes and bistros. Chase Sapphire Preferred is a great option for those who spend more in these categories, but are not quite ready to pay a high annual fee.

Sweeteners

  • Earn 2x on travel and dining and one point for every dollar spent on other purchases
  • Earn 60,000 bonus points after spending $4,000 in the first three months of having the card
  • Get 25% more in travel redemption rewards when you redeem through Chase Ultimate Rewards
chase ink business preferred

Ink Business Preferred

The elevator pitch

The Ink Business Preferred card is an excellent option for small business owners. You can issue cards to employees that need it for business expenses without any additional cost to the business. You can also monitor their spending while protecting the business from fraudulent purchases and more.

It is also a preferred business card for international travel. There are no foreign transaction fees when making international purchases with the card. Earn 3x the rewards points for business travel purchases made with the card, such as airfare, hotel stays and more.

Sweeteners

  • Earn 80,000 bonus points after spending $5,000 in the first three months after opening the account
  • Receive 3x points on the first $150,000 spent in combined purchases in the following categories each account anniversary year: travel, shipping, internet and advertising
  • Points never expire
chase ink business cash

Ink Business Cash

The elevator pitch

The Ink Business Cash card is one of the best business credit cards that offer cash back rewards to its cardholders, but it’s not for cash back reward rookies. If you’re willing to track and match spending to select categories, you can maximize your cash rewards at a rate of 5%.

With no annual fee and a 0% intro APR on purchases made in the first 12 months after opening the credit card account, you can earn a $500 bonus in cash back after spending $3,000 in the first three months of having the card account open.

Earn 5% cash back on Internet, cable, phone services and office supplies. Earn 2% at gas stations and restaurants. Earn one point for each dollar spent in other categories.

Sweeteners

  • Earn 5% cash back in select business categories
  • No annual fee
  • There’s a 0% intro APR on purchases made in the first 12 months
chase ink business unlimited

Ink Business Unlimited

The elevator pitch

The Ink Business Unlimited card is one of the best business reward credit cards on the market and is for slackers. You earn a flat-rate 1.5% cash back on all business purchases made with the card so you don’t have to track or match spending in any particular categories.

The card also extends extra protection and coverages on purchases, travel and more. If you need more business credit in the future, using the Ink Business Unlimited card can help because it allows the business to build its own credit history.

Sweeteners

  • Earn 1.5% cash back on every business purchase
  • Builds credit history for the business
  • Travel and purchase coverage such as auto rental collision damage waiver and extended warranty protection