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The Best Chase Credit Cards in 2019

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The Best Chase Credit Cards in 2019

Jesse LiebmanThe Best Chase Credit Cards in 2019Million Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Savvy folks in the miles and points hobby keep multiple Chase cards in their wallets because Chase offers fantastic card options for earning either cash back or rewards to save money on travel. But the bank also has tougher application rules, which makes it harder to get Chase cards if you open lots of new accounts with other banks. That’s why we usually recommend that miles and points beginners start by applying for Chase cards first.

Here’s a look at the best Chase cards by category:

Best Chase Credit Cards

Chase offers many fantastic rewards credit cards to get you to your beach vacation or put some cash back in your pocket. (Photo by Martin Valigursky/Shutterstock.)
CardSign-up bonus & minimum spending requirementsOur review
Chase 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
Chase 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!
Chase 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!
Chase 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!
Ink 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
Ink 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
The 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

Chase Sapphire Preferred

Bonus

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

Benefits

Chase Sapphire Preferred cardholders get:

  • 2x Chase Ultimate Rewards points per dollar spent on travel and dining
  • 1x Chase Ultimate Rewards points per dollar on all other purchases

Along with:

  • Primary car rental insurance: Coverage on damage from theft or collision to your rental car, when you pay for the rental with your card
  • Trip delay reimbursement: Up to $500 back per ticket on meals and lodging when your trip is delayed more than 12 hours or requires an overnight stay
  • Extended warranty protection: Extends U.S. manufacturer’s warranty by a year on eligible warranties of three years or less
  • Baggage delay insurance: Reimbursement of up to $100 a day for five days on purchases like toiletries and clothing for passenger carrier baggage delays longer than six hours

Annual fee

The $95 annual fee is 100% worth it. When you earn the welcome bonus, that’s $600 cash, or $750 in travel with no blackout dates, or more than $1,000 in award travel. Subtract $95 from that and it’s pretty clear. (If you decide to cancel after a year or so, it’s seriously hassle-free.)

Foreign transaction fee

The Chase Sapphire Preferred charges no foreign transaction fees.

Our take

The Chase Sapphire Preferred is the #1 card we recommend for beginners in the miles and 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 the Chase portal. The sign-up bonus is worth $750 in travel when you book through the Chase portal.

Further reading

Apply here for the Chase Sapphire Preferred

Chase Sapphire Reserve

Bonus

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

Benefits

Along with:

  • $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

Annual fee

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 statement credit for travel purchases and airport lounge access.

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 effectively pay $55 more each year ($150 – $95) to get many extra perks, like lounge access, more bonus points on travel and dining purchases, rental car discounts and much more.

Chase has these restrictions for their Sapphire-branded credit cards. You cannot have more than one Sapphire-branded credit card open at the same time.

Foreign transaction fees

The Chase Sapphire Reserve doesn’t charge foreign transaction fees.

Our take

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 with the $300 annual credit for travel purchases every cardmember anniversary, that’s $1,050 in value in the first year, not counting other money-saving perks you enjoy as a cardholder.

Further reading

Apply here: Chase Sapphire Reserve

 

You can use points from your Sapphire Reserve account to save money on a trip to far-flung spots like Sydney. (Photo by Lux Blue/iStock.)

Chase Freedom Unlimited®

Read our review of the Chase Freedom Unlimited

Bonus

With Chase Freedom Unlimited, you can earn a $150 bonus after you spend $500 on purchases in the first three months from account opening. You also can combine the points you earn with other eligible Chase cards, which helps you save money on travel.

Benefits

Earn unlimited 1.5% cash back on purchases, with no minimum redemption amount.

Annual fee

This card has no annual fee.

Foreign transaction fees

The Chase Freedom Unlimited charges a 3% foreign transaction fee.

Our take

If you don’t want to bother with bonus categories, the Chase Freedom Unlimited card is a great way to earn valuable Chase Ultimate Rewards points.

Further reading

Apply here for the Chase Freedom Unlimited

Bonus

You can earn a $150 bonus (15,000 Chase Ultimate Rewards points) with the Chase Freedom card after you spend $500 on purchases within the first three months of account opening.

Benefits

Chase Freedom is one of the top no-annual-fee cards because you can earn 5% cash back (5x Chase Ultimate Rewards points per $1) on up to $1,500 in spending in rotating categories each quarter when you activate the bonus. If you spend the maximum each quarter, you can earn $300 in bonus cash back during the year.

Annual fee

This card has no annual fee.

Foreign transaction fees

The Chase Freedom card charges 3% of the amount of each transaction in U.S. dollars in foreign transaction fees.

Our take

The Chase Ultimate Rewards points you earn with the Chase Freedom card are worth 1 cent each toward cash back or travel. But your Chase points have more value if you have cards like the Chase Sapphire Preferred CardChase Sapphire Reserve or Ink Business Preferred Credit Card.

When you have one of these cards, you can combine your points and transfer them to lots of great airline and hotel partners, like Hyatt and Southwest. That’s why being able to transfer your points is so powerful.

Further reading

Apply here for the Chase Freedom

Read our review of the Chase Ink Business Preferred

Bonus

Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first three months from account opening. This fantastic welcome bonus is a big reason why the Chase Ink Business Preferred is our #1 pick. If you like basic cash back, the 80,000-point bonus offer is worth $800, but can be worth more when it’s used for travel.

Benefits

The Ink Business Preferred card earns:

  • 3x Chase Ultimate Rewards points for every dollar you spend on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines (up to a maximum of $150,000 in combined purchases each account anniversary year)
  • 1x Chase Ultimate Rewards points per dollar on all other purchases

Plus you’ll get:

  • Cell phone protection: Up to $600 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your credit card.
  • Extended warranty: An additional year of coverage on card purchases when the warranty is three years or less; extended warranty protection is up to the amount charged to your card less shipping and handling fees, with a maximum of $10,000, and no more than $50,000 per calendar year
  • Rental car insurance: Primary rental car insurance when renting for business purposes when you decline the car rental agency’s collision damage waiver
  • Baggage coverage: If your baggage is delayed more than six hours, reimbursement for emergency purchases of essential items (i.e., clothing, toiletries, cell phone charging cables and more) of up to $100 per day for a maximum of five days
  • Lost luggage: Coverage for the cost to repair or replace lost luggage and personal items up to $3,000 per person per trip with a limit of $500 for items such as jewelry and electronics
  • Trip delay protection: If your trip is delayed more than 12 hours or requires an overnight stay, reimbursement of up to $500 per ticket for reasonable expenses (meals, lodging, toiletries, medication and other personal-use items)

Annual fee

The Ink Business Preferred card has a $95 annual fee.

Our take

The Ink Business Preferred is our best overall business credit card because, in addition to the huge introductory bonus, it also has generous bonus spending categories and great built-in insurance. Million Mile Secrets staff and readers alike have saved using perks like the card’s trip delay coverage, rental car insurance and cell phone insurance.

Further reading

Apply here for the Chase Ink Business Preferred

Team member Meghan transferred Chase Ultimate Rewards points to United Airlines for award tickets to beautiful Belize. (Photo by Aleksandar Todorovic/Shutterstock.)

Ink Business Cash℠ Credit Card

Bonus

You’ll earn a $500 cash-back bonus (50,000 Chase Ultimate Rewards points) after you spend $3,000 in purchases within the first three months of opening your account.

Ongoing earning and benefits

The card also has excellent 5x and 2x bonus categories. You’ll earn:

  • 5% cash back (5x Chase Ultimate Rewards points per $1) on the first $25,000 you spend 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 per $1) 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 per $1) on all other purchases

Annual fee

For small-business owners, it’s hard to top the welcome bonus you’ll get with the no-annual-fee Chase Ink Business Cash card.

Our take

If you spend a lot in the bonus categories, the Chase Ink Business Cash can put money back toward your bottom line.

Like other Chase cards, it’s subject to the 5/24 rule, but because it’s a small-business card, it won’t count toward your 5/24 status when you open it. You can combine the points you earn with this card with other cards that earn Ultimate Rewards points, even personal cards.

Considering there’s no annual fee, the $500 welcome offer is extremely generous. If you decide to apply, check out our Chase Ink Cash approval tips.

Further reading

Apply here for the Ink Business Cash℠ Credit Card

The World of Hyatt Credit Card

Bonus

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

Benefits

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 and 5 base points per $1 you earn as a World of Hyatt member)
  • 2 Hyatt points per $1 on restaurants, airline tickets purchased directly from the airlines, local transit and commuting, fitness clubs and gym memberships
  • 1 Hyatt point per $1 on everything else

Plus perks like:

  • 1 free night each anniversary year at a Category 1-4 Hyatt hotel or resort
  • An additional free night at a Category 1-4 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 checkout upon request, etc.)
  • 5 qualifying-night credits every year
  • 2 qualifying-night credits after every $5,000 you spend on the card

Annual fee

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

Foreign transaction fees

This card doesn’t charge foreign transaction fees.

Our take

The bonus on the Chase Hyatt card is especially valuable 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.

Further reading

Apply here: The World of Hyatt Credit Card

How we choose the best Chase credit cards

Welcome bonus: We like cards with valuable welcome bonuses because you can quickly come out ahead with tremendous perks, even on a card that carries an annual fee.

Rewards for everyday purchases: It’s great when a card earns rewards on everyday purchases, especially if you choose one that earns rewards to match your daily spending patterns.

Perks and benefits: We like perks that not only save you money like free checked bags but also enhance your flying experience with airport lounge access. These perks and benefits can be packed with value that is sometimes overlooked.

Which Chase credit cards are the best?

Our favorite Chase credit card offers right now are:

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 and excellent benefits.

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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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

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 (DebrianTravels.com)

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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