The Best Chase Credit Cards Of April 2024

The Chase Sapphire Reserve® makes the list for both its generous rewards structure and flexibility of those earnings. Ultimate Rewards points are worth 1.5 cents each when redeemed for travel through Chase Travel℠ with the Chase Sapphire Reserve card. Ultimate Rewards are also transferable to attractive travel partners, including Southwest Airlines, United Airlines and Hyatt Hotels.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $550

Other benefits and drawbacks: The high annual fee is offset by up to $300 in travel credits. Unlike American Express travel credits, the Chase Sapphire Reserve’s up to $300 annual credit is a breeze to redeem. The credit applies automatically to any travel purchase including hotels, airlines, car rentals, tours and taxis. It also offers a Priority Pass Select airport lounge membership. Priority Pass benefits include more than just lounge access: Visitors to certain restaurants and other experiences can receive discounts or complimentary benefits such as meals.

The Chase Freedom Flex℠* comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining at restaurants plus rotating quarterly bonus categories in areas many households are likely to find appealing. Throw in a solid welcome bonus and you’ve got one of the meatiest no-annual-fee rewards cards around.

Rewards: Earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

Annual fee: $0

Other benefits and drawbacks: Although the card earns top-notch rewards on travel, to score those earnings you’ll have to book through Chase Ultimate Rewards®, which some may find limiting. But the card’s all-around earning power bests some no-annual-fee rewards cards on the market.

If you want to use your rewards on travel partners but don’t need the extra perks of the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card combines a low annual fee with a good points-earning structure.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Other benefits or drawbacks: Ultimate Rewards are both flexible and valuable. You have the ability to transfer them to a variety of airlines and hotel chains. Or, they’re worth 1.25 when redeemed through Chase Travel℠ when you have the Chase Sapphire Preferred. If you’re going to use the travel portal regularly, it may make more sense to get the Chase Sapphire Reserve, despite the higher annual fee, due to the increase in point value you’ll receive.

The Prime Visa earns high rewards at the online retailer and at Whole Foods. If you’re spending most of your shopping budget with Amazon, you might as well get rewarded for it.

Rewards: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on other purchases.

Welcome offer: Earn a $100 Amazon gift card upon approval with an eligible Prime membership.

Annual fee: $0

Other benefits or drawbacks: If you’re not an Amazon or Whole Foods shopper, this card probably doesn’t make sense for you. The $139 cost of Prime membership effectively acts as an annual fee. If you’re already spending it, then the card has no additional cost for you.

The Prime Visa has benefits that make it great for travel, including no foreign transaction fees, travel accident insurance and baggage delay insurance. It also has perks like Visa Signature’s Luxury Hotel Collection and Concierge Service.

For those with limited credit, the Chase Freedom Rise* is a competitive starter card. With a decent rewards rate and no required security deposit, it’s easy to come out ahead as you build your credit profile.

Rewards: Earn 1.5% cash back on every purchase.

Welcome offer: Earn a $25 statement credit with enrollment in autopay in the 3 months of account opening, terms apply.

Annual fee: $0

Other benefits and drawbacks: Chase says your approval odds for the Chase Freedom Rise* are potentially higher if you have a Chase checking account with at least $250 in it when you apply. Whether that’s a benefit or a drawback is up to you. On one hand, your chances could be better. On the other, it’s a small hoop to jump through.

Additional perks like purchase and extended warranty protection and trip cancellation insurance are definitely a win should you ever need to use them. Plus, you can be considered for a credit limit increase in as little as six months, so your responsible payment habits are rewarded, too.

The Chase Freedom Unlimited® is a set it and forget it rewards card. The Freedom Unlimited’s simplicity makes it a winner.

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Welcome offer: Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back.

Annual fee: $0

Other benefits and drawbacks: The Chase Freedom Unlimited is marketed as a cash-back card, but it actually earns Chase Ultimate Rewards® points. The Chase Sapphire Preferred® Card, Ink Business Preferred® Credit Card and Freedom cards are best taken as a family: Partnering a Sapphire Preferred or a Chase Sapphire Reserve® with a Freedom card allows you to earn Chase Ultimate Rewards® quickly and to redeem them for more value. Rewards can also be combined between family members and from your Chase business cards.

If you’re a prolific DoorDasher, the DoorDash Rewards Mastercard® can be surprisingly lucrative for a no annual fee card. With your included DashPass membership the first year, you’ll get $0 delivery fees and members-only discounts and promos. Add that to the healthy rewards potential, and it could be worth considering for those that often rely on delivery service.

Rewards: Earn 4% cash back per dollar spent on DoorDash and Caviar orders, 3% per dollar on dining when purchased directly from a restaurant, 2% per dollar on purchases from grocery stores, online or in person and 1% cash back per dollar on all other purchases.

Welcome offer: Get a free year of DashPass ($96 value).

Annual fee: $0

Other benefits and drawbacks: The included benefits are rare for cards with no annual fee, like auto rental and trip cancellation insurance, extended warranty, purchase protection and Mastercard World Elite benefits. That said, the DashPass only lasts for a year—and you’ll need to spend $10,000 each subsequent anniversary year to maintain it for free. If that’s out of reach, at least you can still get valuable benefits at no cost for the first year.

For those unwilling to pay the high price of a Prime Membership but who still want an Amazon card, the Amazon Visa Credit Card* offers OK rewards and a handful of Visa Signature protection benefits.

Rewards: Earn 3% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases. Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare). Earn 1% back on all other purchases.

Welcome offer: Get an Amazon Gift Card instantly upon approval.

Annual fee: $0

Other benefits and drawbacks: With no major Amazon-related benefits beyond its rewards, the Amazon Visa doesn’t live up to the hype of its peer, the Prime Visa. The card does, however, offer lost luggage reimbursement, baggage delay, purchase protection, extended warranty protection and auto rental collision damage waiver. It also doesn’t charge foreign transaction fees.

For those who would rather earn United miles over cash back and want access to expanded reward flight availability, the United Gateway℠ Card offers a no-annual-fee United card without any of the standard airline perks such as free checked bags or priority boarding.

Rewards: Earn 2 miles per dollar on United® purchases, at gas stations and on local transit and commuting and 1 mile per dollar on all other purchases.

Welcome offer: Earn 20,000 bonus miles after spending $1,000 on purchases in the first 3 months of account opening.

Annual fee: $0

Other benefits and drawbacks: Though its rewards won’t surpass a 2% cash-back card, the United Gateway℠ Card does offer expanded access to reward flights. The card also offers 25% back on United in-flight purchases and a pile of travel and purchase protections, including auto rental collision damage waiver, trip cancellation and interruption insurance, extended warranty protection and purchase protection.

Those who favor the InterContinental Hotels Group’s selection of brands may benefit from the no-annual-fee IHG One Rewards Traveler Credit Card. With no foreign transaction fees and the fourth night free when booking a stay at an IHG hotel on points, this card is an attractive choice for those who want to accumulate points for future hotel stays.

Rewards: Earn up to 17 points per dollar spent at IHG Hotels & Resorts, 3 points on qualifying monthly bills, gas stations, select streaming services and restaurants and 2 points on all other purchases.

Welcome offer: Earn 80,000 bonus points after spending $2,000 on purchases in the first 3 months of account opening.

Annual fee: $0

Other benefits and drawbacks: The IHG One Rewards Traveler card offers a wide variety of protections, including purchase protection, cell phone insurance, trip cancellation and interruption insurance and baggage delay insurance. It also offers an auto rental collision damage waiver. Though light on the brand-specific benefits, the card does offer a 20% discount on IHG One Rewards points purchases. IHG’s points sales happen often, so this may not be the benefit it’s advertised to be.

The United Club℠ Infinite Card is a no-brainer if you want a United Club membership, as the card’s annual fee is lower than the annual fee for club access alone. The card also has a robust set of benefits for travel on United and other travel-related expenses.

Rewards: Earn 4 miles per dollar on United® purchases, 2 miles per dollar on all other travel, on dining including eligible delivery services and 1 mile per dollar on all other purchases.

Welcome offer: Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

Annual fee: $525

Other benefits and drawbacks: Other United benefits include premier access to check-in and boarding and two free checked bags for the cardholder and one companion when you use your card to pay for your flight. United purchases are defined as tickets, Economy Plus, in-flight food, beverages and Wi-Fi and other United charges. The card also includes TSA PreCheck, Global Entry or NEXUS application fee reimbursement every four years.

If you fly with United enough to earn back its annual fee in checked bag fee savings, the United Quest℠ Card can make sense. For those who don’t fly United fairly religiously, the card isn’t a great deal.

Rewards: Earn 3 miles per dollar on United® purchases, 2 miles per dollar on dining, select streaming services and all other travel and 1 mile per dollar on all other purchases.

Welcome offer: Earn 60,000 bonus miles and 500 Premier qualifying points after spending $4,000 on purchases in the first 3 months.

Annual fee: $250

Other benefits and drawbacks: The first-class benefits of the United Quest card include a $125 annual United purchase credit, first and second checked bags free for the primary cardholder and one companion, a Global Entry,TSA PreCheck or NEXUS application fee credit up to $100 every four years, no foreign transaction fees, priority boarding for the primary cardholder and one companion and 25% back on in-flight purchases on United when you use your card. The card’s protections are on par with other mid-tier Chase travel cards.

Travelers who prefer the Hyatt family of hotel brands will easily benefit enough from The World of Hyatt Credit Card to justify the annual fee. Each year on your card anniversary, the card offers a complimentary one night stay certificate valid at a Category 1 to 4 Hyatt hotel.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 bonus points per dollar spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per dollar on all other eligible purchases.

Welcome offer: Earn 30,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening, plus up to 30,000 more bonus points by earning 2 bonus points per dollar spent in the first 6 months on purchases that normally earn 1 bonus point on up to $15,000 spent.

Annual fee: $95

Other benefits and drawbacks: If you want the flexibility to stay at any hotel chain you would like, this is not the card for you. The best value will come from redeeming your rewards for Hyatt stays. But those who can remain faithful to the brand can earn rewards galore with this card, plus the potential to earn an additional free night after spending $15,000 or more on the card within a calendar year.

Solid airline benefits for Air Canada flyers can be found with the Aeroplan® Credit Card. For a $95 annual fee, the card earns excellent rewards and offers a free first checked bag and a decent welcome bonus.

Rewards: Earn 3 points per dollar spent on dining, takeout and eligible delivery services, grocery stores and each dollar spent directly with Air Canada including vacations and cruises and 1 point per dollar for all other eligible purchases.

Welcome offer: Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening.

Annual fee: $95

Other benefits and drawbacks: The Aeroplan credit card offers 500 bonus points for every $2,000 in spending, up to 1,500 points per month, a first checked bag when flying Air Canada for no extra charge and no foreign transaction fees. The card’s World Elite Mastercard benefits also offer a handful of consumer and travel protections.

If you and a companion fly United round-trip at least once a year and also check baggage, the free checked bag perk that comes with the United℠ Explorer Card will outweigh the card’s $0 intro annual fee for the first year, then $95 annual fee.

Rewards: Earn 2 miles per dollar on dining including eligible delivery services, hotel stays and United® purchases and 1 mile per dollar on all other eligible purchases.

Welcome onus: Earn 50,000 bonus miles after spending $3,000 on purchases in the first 3 months of account opening.

Annual fee: $0 intro annual fee for the first year, then $95

Other benefits and drawbacks: Frequent flyers of the airline who want unlimited lounge access should consider United’s premium card, the United Club℠ Infinite Card. But for those who want to stay light on the fee, the United Explorer card could make more sense. The card gets you access to better award flight availability, two United Club one-time passes each year of card membership and the first checked bag free for you and a companion when you use the card to pay for United flights.

The Marriott Bonvoy Bountiful™ Credit Card* will offer great rewards from the card for those who stay with Marriott often. Those who don’t will struggle to make worthwhile use of the card, which charges a high annual fee. Be sure to compare the Marriott Bonvoy Bountiful™ Credit Card* to the Marriott Bonvoy Bevy™ American Express® Card to make the best choice for you.

Rewards: Earn 6 points per dollar on eligible Marriott purchases, 4 points per dollar on the first $15,000 spent in combined yearly grocery and dining purchases, and 2 points per dollar on all other purchases.

Welcome offer: Earn 85,000 bonus points after spending $4,000 in purchases in the first three months from your account opening.

Annual fee: $250

Other benefits and drawbacks: The Marriott Bonvoy Bountiful’s complimentary Gold Elite status, 1,000 bonus points with each qualifying stay at Marriott properties, a free night award after making $15,000 in purchases per year (certain hotels have resort fees) and 15 elite night credits toward higher elite status won’t offer a whole lot to casual Marriott Bonvoy guests but will help earn a boost toward status for those serious about elite status. The card also includes extended warranty, no foreign transaction fees, purchase protection and a set of travel insurance benefits.

The benefits of the United℠ Business Card make the card a great option even for infrequent United travelers. The card earns bonus miles on United flights and a wide swath of spending, plus comes with perks like a free checked bag, two United Club one-time passes annually and priority boarding.

Rewards: Earn 2 miles per dollar on United purchases, on dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting and 1 mile per dollar on all other purchases.

Welcome offer: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months of account opening.

Annual fee: $0 intro annual fee for the first year, then $99

Other benefits and drawbacks: Those who purchase seven or more United flights per year will get a $100 United travel credit each card anniversary year. Card ownership also includes travel and purchase protections and free employee cards. Redemptions are generally worth the most when used towards flights on United or partner airlines, although there are other options including booking hotels, cars and cruises or upgrading existing tickets.

The Southwest® Rapid Rewards® Performance Business Credit Card is an ideal choice for frequent Southwest travelers. The benefits—including four upgraded boardings per year, free in-flight Wi-Fi, credits Global Entry, TSA PreCheck or NEXUS application fee, credit and spending bonuses on more than just Southwest purchases—more than make up for the card’s annual fee.

Rewards: Earn 4 points per dollar spent on Southwest purchases, 3 points per dollar spent on Rapid Rewards hotel and car rental partners, 2 points per dollar spent on local transit, including rideshares, commuting, social media, search engine advertising, internet, cable and phone services. Earn 1 point per dollar on all other purchases.

Welcome bonus: Earn 80,000 points after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $199

Other benefits and drawbacks: The card offers benefits that, if fully utilized, can make the annual fee worthwhile. Consider also that the welcome bonus can get you closer to a coveted Companion Pass, a perk that lets you bring a friend to fly for free (except for taxes and fees) for the remainder of the year in which you earned it plus the entire following calendar year.

The IHG One Rewards Premier Credit Card is a must-have credit card if you stay at IHG properties often, due to its generous point earnings on IHG hotel stays, annual anniversary night and fourth night free on award bookings.

Rewards: Earn up to 26 points per dollar spent when you stay at IHG Hotels & Resorts, 5 points on travel, gas stations, and restaurants and 3 points on all other purchases.

Welcome offer: Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Annual fee: $99

Other benefits and drawbacks: Although the card offers outsized rewards when staying at an IHG property, rewards are lackluster for other purchases. Your earnings get their best value when redeemed for IHG stays. If you want options outside of future bookings, other travel cards may provide better returns.

The British Airways Visa Signature® Card can be an advantageous choice for select British Airways loyalists interested in maximizing points with the airline’s Executive Club program. With a large welcome bonus for the medium-annual fee, cardholders can gain considerable value from the redemption award chart for British Airways’ partner airlines using the card. It’s an attractive option for frequent travelers to Europe.

Rewards: Earn 3 Avios per dollar on purchases with Iberia, British Airways, Aer Lingus, and LEVEL, 2 Avios per dollar on hotel accommodations when purchased directly with the hotel and 1 Avios per dollar on all other purchases.

Welcome offer: Earn 75,000 Avios after spending $5,000 on purchases in the first three months of account opening, plus 5 Avios per dollar spent on up to $10,000 in gas, groceries, and dining purchases for the first 12 months of account opening.

Annual fee: $95

Other benefits and drawbacks: The British Airways Visa Signature card offers a companion ticket each year after you spend $30,000 on the card and a reward flight statement credit of $100 for economy and premium economy tickets or $200 for business and first class up to three times per year, up to $600 when booking a reward flights on British Airways (see offer terms for details). An exclusive special link also offers cardholders a 10% discount on British Airways flights originating in the U.S.

The Southwest Rapid Rewards® Priority Credit Card has a robust set of Southwest-related benefits including an annual $75 travel credit and 7,500 bonus points per year on your card anniversary, four upgraded boardings per year when available and 25% back on in-flight purchases when you pay with your card.

Rewards: Earn 3 points per dollar on Southwest purchases, 2 points per dollar on Rapid Rewards hotel and car rental purchases, 2 points per dollar on local transit and commuting, including rideshare, 2 points per dollar on internet, cable, phone services and select streaming and 1 point per dollar on other purchases.

Welcome offer: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Annual fee: $149

Other benefits and drawbacks: We like Southwest because of its straightforward method of redemption: The cost of flights when booking with points is pegged to the cost of flights in cash. This means you’re not fruitlessly searching for award flight availability on peak dates. However, Southwest’s lack of assigned seating is a turn-off for some people.

With no baggage perks and a $95 annual fee, the Aer Lingus Visa Signature® Card won’t compare to other airline cards on our list, but for those who fly Aer Lingus often and plan to spend enough on the card to earn its rewards, the card may be useful.

Rewards: Earn 3 Avios per dollar on purchases with Aer Lingus, British Airways, Iberia, and LEVEL, 2 Avios per dollar on hotel accommodations when purchased directly with the hotel and 1 Avios per dollar on all other purchases.

Welcome offer: Earn 75,000 Avios after spending $5,000 on purchases in the first three months of account opening, plus 5 Avios per dollar spent on up to $10,000 in gas, groceries and dining purchases for the first 12 months of account opening.

Annual fee: $95

Other benefits and drawbacks: With priority boarding and an economy companion certificate for a paid U.S. to Ireland or the U.K. flight after spending $30,000 within a year, the Aer Lingus card doesn’t offer much in terms of airline-specific benefits. Its Visa Signature benefits include baggage delay insurance, purchase protection and lost luggage reimbursement.

The Iberia Visa Signature® Card can be an ideal choice for frequent travelers looking to quickly gain a large amount of Iberia Avios, a highly sought-after currency amongst points and miles aficionados who want to make the most out of award redemptions. Nevertheless, for ongoing purchases, a flexible currency card may be the better option.

Rewards: Earn 3 Avios per dollar on purchases with Iberia, British Airways, Aer Lingus, and LEVEL, 2 Avios per dollar on hotel accommodations when purchased directly with the hotel and 1 Avios per dollar on all other purchases.

Welcome offer: 75,000 Avios after spending $5,000 on purchases within the first three months of account opening plus 5 Avios per dollar on up to $10,000 in gas, groceries, and dining purchases for the first 12 months of account opening.

Annual fee: $95

Other benefits and drawbacks: When using their Iberia Visa Signature, cardholders can receive a 10% discount on flights via an exclusive link. A $1,000 flight voucher can also be earned after spending $30,000 on the card each year. The card’s protections include baggage delay insurance, purchase protection, lost luggage reimbursement, extended warranty protection and 12 months of DashPass for DoorDash and Caviar.

The ongoing benefits at hotels in the Marriott portfolio—including a free night of up to 35,000 points every year—make it easy to justify the Marriott Bonvoy Boundless® Credit Card*’s annual fee. The card also grants automatic Silver Elite status, which comes with limited benefits including bonus rewards on stays and late checkout on every stay.

Rewards: Earn 6 points per dollar at participating Marriott Bonvoy hotels, 3 points per dollar spent each year (up to $6,000) on combined grocery stores, gas stations and dining purchases and 2 points per dollar on all other purchases.

Welcome bonus: Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening.

Annual fee: $95

Other benefits and drawbacks: Although the rewards outside of Marriott purchases aren’t stellar, those who frequent hotels within the brand will likely find that the benefits of owning the card outweigh the annual fee. Beyond hotel redemptions, you can cash in your Marriott Bonvoy points several other ways, including transferring points to pay for flights, which offers the potential for outsized value.

The Disney® Visa® Card* card doesn’t offer much, but it does offer exclusive photo opportunities with Disney characters at Disney resorts and discounts on Disney merchandise.

Rewards: Earn 1% in Disney Rewards Dollars on all card purchases.

Welcome offer: Earn a $250 statement credit after spending $500 on purchases in the first 3 months from account opening.

Annual fee: $0

Other benefits and drawbacks: With a 10% discount on select Disney store, Disney outlet and shopDisney.com purchases when you pay with the card, 10% discounts on participating dining locations, a major attraction of this card is the discounts.

Using the card to buy premium tickets to select Disney Broadway shows rewards cardholders with VIP packages. Perhaps the most appealing for the Disney-obsessed are the character photo opportunities with Disney and Star Wars characters at private cardmember locations at Disneyland and Disney World.

The Chase Slate Edge℠* is Chase’s balance transfer option. Though it offers little else in terms of rewards or a welcome bonus, for those who need relief from high interest rates with another card and want to transfer the balance to Chase, this is the best option.

Rewards: This card does not earn rewards.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: Limited in benefits compared to premium cards, the Chase Slate Edge still offers purchase protection, extended warranty protection and auto rental collision damage waiver.