Best Chase Credit Cards of May 2026

BCC Editor's Pick 2026

Rates & Fees

Chase Freedom Unlimited®

5.0 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Rewards Rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Pros

Lengthy 0% intro APR on purchases and balance transfers
Ability to easily combine points with your other Chase Travel℠ credit cards

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
At 18.24% - 27.74% Variable, the ongoing APR is relatively high

Rates & Fees

Chase Slate®

5.0 BCC Score

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on Chase's secure site

Welcome Offer

0% Intro APR for 21 months on purchases and balance transfers

Rewards Rate

N/A

Intro APR

0% Intro APR on Purchases for 21 Months and 0% Intro APR on Balance Transfers for 21 Months, then 18.24% - 28.24% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa

0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
Member FDIC

Pros

Enjoy an extra-long 0% intro APR period on purchases and balance transfers.
Get free credit score access and more with Chase Credit Journey®.
Pay no annual fee.

Cons

There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
There is no rewards rate on purchases.

Rates & Fees

Chase Freedom Rise®

5.0 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rewards Rate

1.5% cash back

Intro APR

N/A, then 25.24%

Annual Fee

$0

Credit Score Needed

New to Credit

Card Brand

Visa®

Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
Member FDIC

Pros

Chase Freedom Rise® offers a generous reward rate, which is rare among 'new to credit' credit cards.
Grow your credit history with this card and earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
There is no annual fee with this card.

Cons

There is no intro APR for purchases or balance transfers.
Potential cardholders are encouraged to have a checking or savings account with Chase to increase their approval chances.

Rates & Fees

Ink Business Unlimited® Credit Card

5.0 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Rewards Rate

1.5% cash back on every purchase made for your business

Intro APR

0% Intro APR on Purchases for 12 months and N/A, then 16.74% - 24.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Pros

0% Intro APR on Purchases for 12 months
Unlimited cash back rewards – no caps and cash back doesn't expire
Pay no annual fee for you and your employees

Cons

No intro APR on balance transfers
There is a foreign transaction fee of 3% of each transaction in U.S. dollars

Rates & Fees

Chase Freedom Flex®

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Rewards Rate

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Mastercard

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Pros

Earn up to 5% cash back on select purchases
The spend threshold to earn the welcome offer is significantly lower than most credit cards
Escape high interest rates with a lengthy intro APR on purchases and balance transfers

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
There is a cap on the 5% cash back in rotating quarterly categories

Rates & Fees

Chase Sapphire Preferred® Card

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Rewards Rate

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases

Intro APR

N/A, then 19.24% - 27.49% Variable

Annual Fee

$95

Credit Score Needed

Excellent, Good

Card Brand

Visa®

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

Pros

Big sign up bonus to kickstart your rewards earning
Flexible redemption options to stretch your points even further
No limit on the number of points you can earn and points don't expire

Cons

The annual fee is not waived the first year
The spending threshold to earn the sign up bonus is a bit higher than some other cards

Rates & Fees

Chase Sapphire Reserve®

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Rewards Rate

Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases

Intro APR

N/A, then 19.49% - 27.99% Variable

Annual Fee

$795

Credit Score Needed

Excellent

Card Brand

Visa®

Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
Member FDIC

Pros

This card's benefits total $3,000 in annual value.
New cardmembers can earn a massive welcome offer after meeting spending requirements.
Earn up to 8x points on purchases with no limit on the number of points you can earn.

Cons

The annual fee is quite high, and it isn't waived for the first year like some other cards.
There is no intro APR on purchases or balance transfers.

Rates & Fees

Ink Business Cash® Credit Card

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening

Rewards Rate

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro APR

0% Intro APR on Purchases for 12 months and N/A, then 16.74% - 24.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Pros

0% Intro APR on Purchases for 12 months
Up to 5% cash back and a lucrative sign up bonus
Pay no annual fee for you and your employees

Cons

There is an annual cap on the amount of cash back you can earn in the 5% and 2% categories
No intro APR on balance transfers

Rates & Fees

Ink Business Preferred® Credit Card

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening

Rewards Rate

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Intro APR

N/A, then 17.74% - 26.74% Variable

Annual Fee

$95

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

Pros

Earn a large welcome offer
Enjoy elevated points in popular business categories
Pay no foreign transaction fees

Cons

No Intro APR on purchases or balance transfers
There is an annual cap on the amount of elevated points you can earn on travel and select business categories

Rates & Fees

Sapphire Reserve for Business℠

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

Rewards Rate

Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27. Earn 4x points on flights & hotels booked direct. Earn 3x points on social media & search engine advertising. Earn 1x points on all other purchases.

Intro APR

N/A, then Flex for Business Variable APR: 17.74% - 28.49%

Annual Fee

$795

Credit Score Needed

Good, Excellent

Card Brand

Visa®

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

Pros

This card gives you $3,000+ in annual value through travel and business benefits.
New cardmembers can earn a massive welcome offer after meeting spending requirements.
Enjoy a treasure trove of travel perks, like no foreign transaction fees, various statement credits, and complimentary access to the Chase Sapphire Lounge® by The Club network.

Cons

The annual fee is quite high, and it isn't waived for the first year like some other business cards.
There is no intro APR on purchases or balance transfers.