Chase
Travelers who value transfer partners and want a comprehensive rewards ecosystem with cards at every price point.
About Chase
Chase is one of the largest credit card issuers in the United States, known for its Ultimate Rewards program with valuable transfer partners and flexible redemption options. The Chase trifecta (Sapphire Reserve, Freedom Flex, Freedom Unlimited) is widely considered one of the best rewards ecosystems in the industry.
227+
Years in Business
4
Cards in Lineup
5
Special Rules
Strengths
- Industry-leading Ultimate Rewards transfer partners (Hyatt, United, Southwest, etc.)
- Flexible points ecosystem across consumer and business cards
- No foreign transaction fees on premium cards
- Excellent travel protections and insurance benefits
- Strong mobile app and customer service
- Freedom cards offer excellent no-annual-fee earning potential
Weaknesses
- Strict 5/24 application rule limits churning
- One Sapphire rule prevents holding both premium cards
- Freedom cards carry 3% foreign transaction fees
- Limited footprint for in-branch banking outside major metros
- Can be conservative with credit limits for new customers
Special Rules to Know
5/24 Rule: Chase will deny most card applications if you have opened 5 or more new credit card accounts (with any issuer) in the past 24 months.
One Sapphire Rule: You cannot hold both the Sapphire Preferred and Sapphire Reserve simultaneously. You must wait 48 months after receiving a Sapphire bonus to earn another.
Modified Double Dip no longer works for Sapphire cards as of 2024.
Business cards do not count toward your 5/24 count when issued by most other banks.
Chase prefers applicants who have an existing banking relationship (checking/savings account).
Cards from Chase
Best For
Travelers who value transfer partners and want a comprehensive rewards ecosystem with cards at every price point.