Savvy Shoppers & Travelers Can Do Well With Any of the 8 Best Chase Credit Cards in 2019

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Savvy Shoppers & Travelers Can Do Well With Any of the 8 Best Chase Credit Cards in 2019

Million Mile SecretsSavvy Shoppers & Travelers Can Do Well With Any of the 8 Best Chase Credit Cards in 2019Million Mile Secrets Team

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Savvy folks in the miles & points hobby keep multiple Chase cards in their wallet.  Because Chase offers lots of fantastic card options whether you want to earn cash back or rewards to save money on travel.   Here are some of the best Chase credit cards!

 Card Sign-Up Bonus & Minimum Spending RequirementsOur Review
Best Card for BeginnersChase Sapphire Preferred® Card

60,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your accountThe #1 card for beginners
Best Card for TravelersChase Sapphire Reserve®50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your account
Lots of folks love this premium credit card because of the ongoing perks!
Best Cash Back CardChase Freedom Unlimited

3% cash back on all purchases for the first year, up to $20,000 spent; then 1.5% cash backRead our review of this card, which has one of the easiest rewards earning structures around!
Best No-Annual-Fee CardChase Freedom
$150 bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening your accountHere's our review of this great no-annual-fee card!
Best Card for Small Business OwnersInk Business Preferred℠ Credit Card
80,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the first 3 months of opening your accountRead why this is the top card pick for small business owners
Best No-Annual Fee Business CardInk Business Cash℠ Credit Card$500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of opening your accountWith the increased sign-up bonus, this might be the biggest no-brainer deal of the year
Best Hotel CardThe World Of Hyatt Credit CardThe World of Hyatt Credit CardUp to 50,000 bonus points - earn 25,000 bonus points after you spend $3,000 on purchases in the first 3 months. Plus, an additional 25,000 bonus points after you spend a total of $6,000 on purchases in the first 6 months of account opening.Read our review of this terrific card for Hyatt hotel stays

The information for the Chase Freedom® and Chase Freedom Unlimited® has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

Many Million Mile Secrets readers like to apply for Chase cards that can help get them nearly free travel!  But the best Chase card for your personal situation depends on your travel and financial goals.

Chase Offers Many Fantastic Rewards Credit Cards! Whether You Want a Beach Vacation or Just Some Extra Cash Back, There’s a Chase Card for Everyone!

You can go with a card that earns Chase Ultimate Rewards points to help you save money on a quick weekend getaway or Business Class or First Class airfare.

We’ll help you decide which Chase card is best for you!

Best Chase Credit Cards

Link:   Best Card Strategy for Beginners

Chase cards have some of the most lucrative sign-up bonuses.  And you can continue earning valuable rewards with Chase cards by using them for your everyday purchases.

The bank also has tougher credit card application rules, which makes it harder to get their cards if you open lots of new accounts with other banks.  That’s why we usually recommend beginners to miles & points start by applying for Chase cards first!

We ranked some of the best Chase cards by category.

Million Mile Secrets List of the Best Chase Credit Cards

Here are highlights of each card!

Best Card for Beginners:  Chase Sapphire Preferred

Apply Here:   Chase Sapphire Preferred

Read our review of the Chase Sapphire Preferred

The Chase Sapphire Preferred is the #1 card we recommend for beginners in the miles & points hobby.  This card earns Chase Ultimate Rewards points, which you can transfer to airline and hotel partners like Hyatt, Southwest, and United Airlines.  Or you can quickly redeem points to save on airfare, hotels, or car rentals through Chase portal.

When you sign-up for the Chase Sapphire Preferred, you’ll earn 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months of opening your account.

The sign-up bonus is worth $750 in travel when you book through the Chase portal.

Best Chase Credit Card
The Chase Sapphire Preferred Sign-Up Bonus Can Get You at Least $750 Worth of Travel! You Can Use Points on This Card for a Vacation to the Beautiful California Coast!

Chase Sapphire Preferred cardholders also get:

  • 2X Chase Ultimate Rewards points per $1 on travel and dining
  • Primary car rental insurance – Covers damage due to accident or theft to your rental car, when you pay for the rental with your card
  • Trip delay reimbursement – Get up to $500 back per ticket when your trip is delayed more than 12 hours
  • NO foreign transaction fees

The card has a $95 annual fee.

Million Mile Secrets team member Scott loves his Chase Sapphire Preferred card.  Because it enables him to transfer his Chase Ultimate Rewards points for award flights to Europe and free stays at upscale Hyatt hotels.

Best Card for Travelers:  Chase Sapphire Reserve

Apply Here:   Chase Sapphire Reserve

Read our review of the Chase Sapphire Reserve

The Chase Sapphire Reserve is the best premium travel rewards credit card!

The Sapphire Reserve sign-up bonus is worth at least $750 in travel.  And you also get a $300 annual credit for travel purchases every cardmember anniversary.  That’s $1,050 in value in the first year, which doesn’t consider other money saving perks you enjoy as a cardholder.

Chase 5 24 Rule
Use Points Linked to Your Sapphire Reserve Account to Save Money on a Trip to Sydney!

When you sign-up for the Chase Sapphire Reserve card, you’ll earn 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening.  

You’ll also get:

  • 3X Chase Ultimate Rewards points on travel (excluding $300 travel credit) & dining worldwide
  • 1X Chase Ultimate Rewards point on all other purchases
  • $300 annual credit every cardmember anniversary for travel purchases such as airfare and hotels
  • $100 statement credit for Global Entry
  • Free Priority Pass Select membership  for access to airport lounges
  • NO foreign transaction fees
  • Visa Infinite benefits like $25 food and beverage credit at the Luxury Hotel Collection and complimentary car rental elite status with Silvercar
  • Rental car discounts with National Car Rental and Avis

The card comes with a $450 annual fee, which is NOT waived the first year.  But you can offset this fee with perks like the $300 travel statement credit and airport lounge access.   Million Mile Secrets team member Keith says this is the #1 card he uses because he earns tons of valuable bonus points dining out!

Be sure to run the numbers when deciding between the Chase Sapphire Preferred and Chase Sapphire Reserve.  For example, you’re effectively paying a $150 annual fee with the Chase Sapphire Reserve ($450 annual fee – $300 travel credit).  You’ll pay a $95 annual fee for the Chase Sapphire Preferred.  So you’ll pay effectively pay $55 more each year ($150 – $95) to get many extra perks, like lounge access, more bonus points on travel & dining purchases, rental car discounts, and much more!

Note:   Chase has these restrictions for their Sapphire-branded credit cards.  So you can NOT have more than one Sapphire-branded credit card open at the same time.

Best Card for Cash Back:  Chase Freedom Unlimited

Read our review of the Chase Freedom Unlimited

The Chase Freedom Unlimited has probably the easiest points earning structure.  If you don’t want to bother with rotating bonus categories, this card is a great option for earning valuable Chase Ultimate Rewards points.

With this card, you earn 3% cash back for the first year, up to $20,000, then 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) you spend on all purchases with NO limit.

Best Chase Credit Card
Earn Bonus Cash Back and Pay No Foreign Transaction Fees When You Dine Abroad and Use the Chase Amazon Prime Rewards Card!

And you can combine the points you earn with other eligible Chase cards, which can help you save lots of money on travel!

Best No-Annual-Fee Card:  Chase Freedom

Read our review of the Chase Freedom

With the no-annual-fee Chase Freedom card, you can earn 5% cash back (5X Chase Ultimate Rewards points) on up to $1,500 in spending in rotating categories each quarter when you activate the bonus.  The bonus categories are typically very useful, like gas stations or grocery stores!

Million Mile Secrets team member Scott has kept his no-annual-fee Freedom card for years.  He really likes the rotating 5X categories to earn 5 points per $1 spent.  Then, he moves the points he earns to his Chase Sapphire Preferred account.  And that’s how he flew for nearly free to Portugal to see the magical castles on the hills of Sintra.

Best Chase Credit Card
Earning 5X Points on His Freedom Card Helped Team Member Scott Book a Nearly Free Flight to Portugal Where He Explored the Beautiful Town of Sintra!

Similar to the Chase Freedom Unlimited card, you can earn $150 cash back (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening a Chase Freedom card.

Best Small Business Card: Ink Business Preferred

Apply Here:   Chase Ink Business Preferred

Read our review of the Chase Ink Business Preferred

The Chase Ink Business Preferred is one of the top card rewards credit card offers available.  Even though this is a small business card, you might qualify without realizing it!

This card has the largest sign-up bonus among any of the cards earning Chase Ultimate Rewards points.

When you sign-up for the Ink Business Preferred, you can earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.

You can redeem the sign-up bonus for:

Best Chase Credit Card
Team Member Keith Loves to Earn Valuable Chase Ultimate Rewards Points to Transfer to United Airlines, so He Can Book Comfortable Business Class Award Seats!

With the Ink Business Preferred, you also get:

  • 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • 1X Chase Ultimate Rewards points on all other purchases
  • Up to $600 in cell phone insurance when you pay your cell phone bill with the card
  • Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection

Team member Keith can confirm the cell phone insurance perk actually works!  Last month, he got a refund check, which helped cover the cost of repairing his damaged iPhone screen.

The card’s $95 annual fee is NOT waived the first year.

Best No-Annual-Fee Business Card:  Chase Ink Cash

Apply Here:   Ink Business Cash℠ Credit Card

Read our review of the Ink Business Cash  

With the increased Ink Business Cash sign-up bonus, you’ll earn $500 cash back (50,000 Chase Ultimate Rewards points!) after spending $3,000 on purchases in the first 3 months of account opening.  This is a phenomenal deal!  Earning $500 in cash from a card with no annual fee is very rare!

Best Travel Credit Cards February 2018
A $500 Cash Back Sign-Up Bonus On a No-Annual-Fee Card Is an AMAZING Deal!

This is the highest bonus we’ve ever seen on this card.  And it also comes with:

  • 5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet and cable TV services each account anniversary year
  • 2% cash back (2X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1X Chase Ultimate Rewards point) on all other purchases
  • Primary car rental insurance (CDW) when renting for business purposes, covering damage due to collision or theft to your rental car when you pay with your Chase Ink Business Cash card.  Secondary coverage when renting for personal reasons

Million Mile Secrets team member Scott has had this card a long time because it has no annual fee.  He uses it as restaurants (when his Chase Freedom doesn’t have restaurants as a 5X bonus category, of course!) to keep his small business expenses separate.

Best Chase Hotel Credit Card:   The World of Hyatt Credit Card

Apply Here:   The World of Hyatt Credit Card

Read our review of the World of Hyatt Credit Card

We LOVE Hyatt at Million Mile Secrets!  They have great hotels with a good balance of value and comfort.

With The World of Hyatt Credit Card, you can earn up to 50,000 Hyatt points after meeting tiered spending requirements.  You’ll earn:

  • 25,000 bonus Hyatt points after you spend $3,000 on purchases in the first 3 months of opening your account
  • Another 25,000 bonus Hyatt points after you spend an additional $3,000 on purchases within the first 6 months of opening your account

That’s an INCREDIBLE bonus, considering you can reserve astronomically expensive hotels, like the Park Hyatt Milan, for 30,000 Hyatt points per night.  Rooms at that hotel can go for ~$700 per night!

We Could Relax on This Patio for Days!

You’ll also get:

  • 9 Hyatt points per $1 spent at Hyatt – 4 bonus points per $1 when you use your card at Hyatt hotels & 5 base points per $1 you can earn as a World of Hyatt member
  • 2 Hyatt points per $1 on restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • 1 Hyatt point per $1 on everything else
  • 1 free night each anniversary year at a category 1 to 4 Hyatt hotel or resort
  • An additional free night at a category 1 to 4 Hyatt hotel or resort after spending $15,000 in an anniversary year
  • Automatic Hyatt Discoverist Status (more bonus points per stay, upgrades to a preferred room based on availability at check-in, late check-out upon request, etc.)
  • 5 qualifying night credits every year
  • 2 qualifying night credits after every $5,000 you spend on the card
  • NO foreign transaction fees

The card comes with a $95 annual fee.  But you can get a ton of value from this card, so it’s well worth it.

Check out our post on all the ways to earn Hyatt points!

Bottom Line

We ranked 8 of the best Chase credit cards by category.  Here’s our list:

The best Chase card for your wallet depends on your travel and financial goals.  Lots of Million Mile Secrets readers have more than one of these cards because Chase cards offer lucrative sign-up bonuses, which can you get Big Travel with Small Money!

If you liked this post, why don’t you join the 37,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Derek (

Frankly, I LOVE these changes. I only use the Fourth Night Free maybe once a year. I like that the credit is now a general travel credit (though I have used the airfare credit in total ever since I have had this card), but the 5x dining is a major game changers. I waited for about 18 months to get the Chase Sapphire Reserve and use it for all my dining and travel. Come January, I will shift the dining spend to the Citi Prestige. I do potentially see value in the Sapphire Reserve for the 3x travel but I am not sure that that alone is worth keeping the card given what I can earn on other cards. I have the Ink Business Preferred so I still have a path to travel rewards if I close the Sapphire Reserve. The fact that Chase makes it so hard to get their cards makes me hestitant to close it but I do not have to decide right now. Last winter, I wrote a series of articles on my blog doing a deep dive analysis on my credit card portfolio. When it comes time for next year’s edition, I am going to have to do some serious analysis on the Sapphire Reserve and decide what to do before the renewal date.

I love it only from the information i saw. ive never used a credit card before. i hope i can get one through this giveaway thanks

Love the Chase Sapphire Reserve! Can’t beat the earning power and it’s so easy to redeem points through the Chase site. Airport lounge access through Priority Pass is a key perk as well.

We like the Chase IHG card best, although we have several of the others. We like to stay at Holiday Inn Express when we’re on the road because of easy access, they’re clean & comfortable, and the hot breakfasts make it quick & easy to get back on the road.

Chase Sapphire Preferred because the points are so flexible!

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