Chase Bank Review: Services, Fees, and Benefits
Business Insider’s personal finance team compared Chase to the best banks and found it to be an industry leader in some areas, such as checking accounts for nationwide banks, mortgages, and credit cards, and standard in other areas, such as traditional savings accounts.
You may prefer Chase to other banks if you like a nationwide branch and ATM network. It’s listed in our guides for best credit cards. Other financial institutions pay higher interest rates on savings accounts, though.
Chase Overview
Chase is a brick-and-mortar bank with more than 4,700 branches and more than 15,000 free ATMs. Bank accounts can be opened online from anywhere in the continental U.S.
Chase banking offers 24/7 customer service over the phone or online. For specific brick-and-mortar locations, customer support may vary depending on where you live. Generally, branches have customer support available on weekdays from 9 a.m. to 5 p.m. for that time zone.
Its mobile banking app is rated 4.8 out of 5 stars in the Apple store, and 4.4 out of 5 stars in the Google Play Store.
Chase is FDIC-insured. Up to $250,000 per depositor, per category is secure in an individual bank account.
Chase Bank Fees and Charges
Chase Bank Monthly Maintenance Fees
Depending on which Chase Bank services you’re interested in, you might end up with monthly service fees. For example, Chase Savings℠ and Chase Premier Savings℠ Account come with a monthly service fee, and several of the bank’s checking accounts come with monthly service fees as well.
Chase bank accounts generally come with ways to waive those fees, but if you can’t meet those requirements, you might be more interested in banks that avoid bank fees instead.
Chase Bank Overdraft Fees
Chase is not a bank that avoids overdraft fees entirely; it charges a $34 overdraft fee if you make a purchase your account can’t cover. However, Chase does let you hook up your savings account in case of overdrafts, letting you automatically pull funds from your savings account to cover purchases your checking account doesn’t have money for. You won’t have to pay a fee if Chase ends up pulling funds from your savings account.
Chase Bank ATM Fees
No matter what, you won’t have to pay ATM fees if you go to a Chase ATM. There are 15,000 Chase ATMS across the U.S., so there’s a good chance you’ll be able to find an in-network ATM near you. If you want to avoid ATM fees at out-of-network ATMs, even those outside of the U.S., Chase Sapphire℠ Banking is your best bet. Not only does the account not come with any ATM fees no matter where you are in the world, but you’ll also be refunded any ATM fees that out-of-network ATM providers might charge you.
Chase Bank Pros and Cons
Chase Bank Pros
- Access to 4,700 branches and 15,000 free ATMs throughout the U.S.
- Variety of bank accounts, including special options for kids
- Checking account bonuses featured in our best bank account bonuses guide
- Variety of rewards credit cards
- Chase DreaMaker mortgage helps lower-income borrowers
Chase Bank Cons
- Low interest rates on savings accounts
- No money market account
- Does not offer auto refinancing
- Does not offer USDA loans, home equity loans, reverse mortgages, or construction loans
Banking Options with Chase
Chase Savings℠
Chase Savings℠
Fees
$5 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$0
- No minimum opening deposit
- Relatively easy to waive $5 monthly fee
- Link to a Chase checking account for free overdraft protection
- Low APY
- Interest compounded monthly, not daily
- $5 monthly service fee
Product Details
- Access to 15,000 Chase ATMs and over 4,700 branches
- Link this account to your Chase checking account for Overdraft Protection
- Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
- Manage your accounts, deposit checks, transfer money and more — all from your device
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Member FDIC
Chase Premier Savings℠ Account
Chase Premier Savings℠ Account
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01% to 0.02%
Minimum Opening Deposit
$25
- Earn slightly better APY with relationship rates
- Link to a Chase checking account for free overdraft protection
- Low APY
- $25 monthly fee
Product Details
- Access to 15,000 ATMs and over 4,700 branches
- Earn a standard rate on 0.01% APY; Earn a relationship rate of 0.02% APY when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account AND make 5 monthly transactions from your linked checking account
- Waive $25 monthly maintenance fee when you maintain a $15,000 daily balance, OR when you link to a Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account
- Chase Mobile® app: Manage your accounts, deposit checks, transfer money and more — all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com
Chase banking options include a traditional savings account and a premium savings account. The main downside to both accounts is that they pay low savings rates.
According to the FDIC, the average savings account in the U.S. has an interest rate of 0.41% APY. If you are looking to earn a more competitive interest rate, read through our best high-yield savings account guide.
See Business Insider’s comprehensive Chase Bank Savings Accounts Review.
Chase Total Checking®
Chase Total Checking®
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No required opening deposit
- Over 4,700 branches
- $300 sign-up bonus
- Free overdraft protection when you link to savings for automatic transfers
- $12 monthly fee unless you meet direct deposit or minimum balance requirements
- Fees for non-Chase ATMs
- $34 overdraft and non-sufficient funds fees (no fee if you’re overdrawn by $50 or less at the end of the business day)
Product Details
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app – Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Secure Banking℠
Chase Secure Banking℠
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No minimum opening deposit
- No overdraft fees
- Free money orders and cashier’s checks
- Early direct deposit (up to 2 days early)
- $100 bonus
- $4.95 monthly service fee
- No overdraft protection
- Fees for non-Chase ATM
- Does not include paper checks
- No wire transfers to or from this account with qualifying transactions
Insider’s Take
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn’t matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Chase Secure Banking℠
Product Details
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees – Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
See Business Insider’s Chase Secure Banking Review.
Chase Premier Plus Checking℠
Chase Premier Plus Checking℠
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$0
- No required opening deposit
- Over 4,700 branches
- Four waived out-of-network fees per month
- Free Chase design checks, cashier’s checks, and money orders
- Waive monthly fees on 2 other Chase checking accounts when linked to this account, and to Chase savings accounts excluding Chase Private Client Savings
- Possible to waive monthly service fee
- Enroll in free overdraft protection that moves money from savings to checking
- Chase Overdraft Assist lets you overdraw by up to $50 without paying a fee
- $25 monthly fee unless you qualify to waive it
- $3 fee for out-of-network ATMs
- $34 overdraft and non-sufficient funds fees
- Doesn’t refund any fees charged by out-of-network ATMs
Product Details
- The $25 monthly service fee is waived when you have an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account OR for current servicemembers and veterans of the U.S. Armed Forces with a qualifying military ID
- No Chase fee on first four non-Chase ATM transactions per statement period
- Earn interest on your checking account balance
- Access to 15,000 Chase ATMs and over 4,700 branches
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Sapphire℠ Banking
Chase Sapphire℠ Banking
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
None
- No required opening deposit
- Over 4,700 branches
- No out-of-network ATM fees worldwide
- Unlimited out-of-network ATM fee reimbursements
- No foreign exchange rate adjustment fees
- No incoming or outgoing wire transfer fees
- No stop payment fees
- No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods, combined
- Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Banking (excluding Chase Private Client Checking and Savings)
- Enroll in free overdraft protection to move money from savings to checking
- Overdraft Assist lets you overdraw by up to $50 without charging a fee
- Exclusive entertainment and sports event benefits
- $25 monthly fee unless you have a combined $75,000 in Chase Sapphire and other qualified Chase accounts
- $34 overdraft and non-sufficient funds fees
Product Details
- The information related to the Chase Sapphire℠ Banking has been collected by Business Insider and has not been reviewed by the issuer
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app – Manage your accounts, deposit checks, transfer money and more — all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Waive $25 monthly service fee by maintaining an average daily balance of $75,000 combined in all of your Chase bank accounts and partner investment accounts
See Business Insider’s Chase Sapphire Banking Review.
Chase Private Client Checking℠
Chase Private Client Checking℠
Fees
$35 monthly service fee
Annual Percentage Yield (APY)
0.01% as of 03/21/25
Minimum Opening Deposit
None
- Earn up to $3,000 cash bonus
- No foreign exchange rate adjustment fees
- Unlimited out-of-network ATM fee refunds
- No fees on the first 4 overdrafts during the current and previous 12 statement periods
- No incoming or outgoing wire transfer fees
- Higher deposit and withdrawal limits than other Chase checking accounts
- Free personalized checks
- Access to a Chase Private Banker
- Access to a Business Relationship Manager
- Access to exclusive offers on sport and entertainment events
- Discounts on home and auto loans
- You must have $150,000 in this account and any eligible linked Chase bank and investment accounts to qualify
- $35 monthly service fee, unless you qualify to waive it
- $34 overdraft and non-sufficient funds fees
Product Details
- You’re eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch to get started.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker and 24/7 access to a U.S. based banking service line.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- No fees at Chase and non-Chase ATMs worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Relationship rates which may make you eligible for a 0.25% auto loan rate discount, and invitation-only events.
- Enhance your relationship with access to a J.P. Morgan Private Client Advisor who can help create a personalized investment strategy.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
- J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
- INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNEMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE
Chase has a variety of personal checking accounts. The best option for you will likely depend on the features you prioritize most in a checking account and whether you meet the requirements for monthly service fees.
It should be noted that Chase Private Client Checking℠, Chase Total Checking®, and Chase Secure Banking℠ are all listed in our best bank account bonuses guide. These accounts have cash bonuses for new customers.
See Business Insider’s comprehensive Chase Bank Checking Accounts Review.
Chase Business Complete Banking®
Chase Business Complete Banking®
Fees
$15 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No minimum opening deposit
- Unlimited monthly debit card transactions
- 20 free transactions made with checks or a bank teller each month
- Possible to waive the monthly service fee
- Large free ATM network
- $15 monthly service fee
- After the 20-transaction limit, you’ll pay $0.40 per transaction with a bank teller and for checks
Product Details
- Around 4,700 branches in 48 US states and Washington, DC
- Access to 16,000 free ATMs
- Deposit $5,000 in cash for free per statement cycle
- Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink Business credit card.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Member FDIC
Chase Performance Business Checking
Chase Performance Business Checking
Fees
$30 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- 250 free transactions per month
- Up to $20,000 in free cash deposits per month
- No incoming wire transfer fee
- No out-of-network ATM fees by Chase
- No fee for counter checks
- No fee for money orders
- No fee for cashier’s checks
- 2 most expensive outgoing domestic wire transfers per month are free
- Possible to waive monthly service fee
- Overdraft protection options available
- $30 monthly service fee
- $34 overdraft fee
- $25 to $35 outgoing domestic wire transfer fee
- International wire transfer fees depends on the amount and how it is sent (online or at a branch)
- $0.40 fee for each excess transaction per month
Product Details
- There’s an interest-bearing option available
- To waive a $30 monthly service fee, have an average beginning day balance of $35,000 or more across qualifying Chase business bank accounts
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day
- Member FDIC
Chase Platinum Business Checking
Chase Platinum Business Checking
Fees
$95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- 500 free transactions per month
- Up to $25,000 in free cash deposits per month
- No incoming wire transfer fees
- 4 most expensive outgoing wire transfers per month are free
- 1 overdraft fee waived per statement period
- No out-of-network ATM fees by Chase
- No fee for counter checks
- No fee for money orders
- No fee for cashier’s checks
- Possible to waive the monthly service fee
- Overdraft protection options available
- $25 to $35 outgoing domestic wire transfer fee
- $34 overdraft fee
- $0.40 for each excess transaction per month
- International wire transfer fees depend on the amount and how it is sent (online or at a branch)
Product Details
- To waive the $95 monthly service fee, keep an average beginning day balance of $100,000 of more across qualifying Chase bank accounts or investment accounts ($50,000 when linked to Chase Private Client Checking, JPMorgan Classic Checking, or Private Client Checking Plus)
- No outgoing wire transfer fees when linked to Chase Private Client Checking, JPMortgan Classic Checking, or Private Client Checking Plus
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day
- Member FDIC
In addition to personal checking accounts, Chase has business checking accounts. All of them come with a monthly service fee, although the exact fee will differ depending on the account. The bank is listed in our best business checking accounts, but if you can’t meet the requirements to waive their account’s monthly service fees, many of our top picks do not charge any fees.
See Business Insider’s comprehensive Chase Business Checking Review.
Chase CD
Chase CD
Annual Percentage Yield (APY)
0.01% to 4.00% (vary by location)
Minimum Opening Deposit
$1,000
- CD terms up to 10 years
- Compounds interest daily
- Low APY
- $1,000 opening deposit
- You must have a checking or savings account to open a CD online
Product Details
- Terms ranging from 1 month to 10 years
- Early withdrawal penalties ranging from 90 to 365 days interest
- All balances and terms earn a standard rate of 0.01% APY
- You can only open a CD online if you already have a Chase checking or savings account, otherwise visit a branch
- FDIC insured
See Business Insider’s Chase CD Review.
Chase has CD options from one month to 10 years, which is a greater variety than most banks offer.
The standard interest rate is the same as the savings account’s rate, but you’ll earn a better “relationship rate” if you also have a Chase checking account. Online banks and credit unions pay higher interest rates overall, though.
Chase First Banking℠ Account
Chase First Banking℠ Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No minimum opening deposit
- No monthly service fees
- Debit card included
- Savings tools to help kids set goals
- Parental monitoring tools that let you set up alerts or limits on purchases
- Unable to earn interest on account
- Fee for non-Chase ATMs
See Business Insider’s Chase First Banking Review.
Chase High School Checking℠
Chase High School Checking℠
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No minimum opening deposit
- No monthly service fees
- Debit card included
- Budgeting tools and alerts to help teens save
- Parental monitoring features to track spending
- Non-US citizens are eligible to open an account in any Chase branch
- $3 to $5 out-of-network ATM fee
- Standard Overdraft Practice is not available
Product Details
- Your teen gets $100 when you open a new Chase High School Checking℠ account together with qualifying activities within 60 days of coupon enrollment
- As a co-owner of the account, you must be present at account opening.
- $0 Monthly Service Fee
- Help your teen build good money habits with their own debit card. Plus, they can add their debit card to their digital wallet.
- Pay and get paid back from friends and family who have a participating bank account in the U.S. No fees and no waiting days for money to hit their account.
- You and your teen can stay on top of their account activity by choosing which Account Alerts you both want to sign up for — such as low balance, posted payments, and more.
- Chase makes it easy for your teen to access their money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC
Chase College Checking℠
Chase College Checking℠
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No monthly maintenance fee for a Chase savings account linked to this account
- No required opening deposit
- Over 4,700 branches
- Relatively easy to waive monthly fee
- $12 monthly maintenance fee
- $3 to $5 out-of-network ATM fee
- No out-of-network ATM fee reimbursements
- 3% foreign transaction fee
- $34 overdraft and non-sufficient funds fees
Product Details
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- With Zelle®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won’t be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
Chase could be a good option if you’re looking for banking options for kids, teens, or college students. The account is a top pick in our best kid’s savings accounts guide because it has useful management features for both kids and parents.
Chase College Checking℠ is also included in our guide for best bank accounts for college students because of easy branch and ATM access. You can also earn a bonus of $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment (offer expires 7/16/2025).
Chase Personal Credit Cards
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
18.99% – 28.49% Variable
Recommended Credit
Good to Excellent
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
- Some other cards offer a higher rate of cash back on certain types of purchases
Product Details
- Intro Offer: 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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- 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
See Business Insider’s Chase Freedom Unlimited Review.
Chase Freedom Flex®
Chase Freedom Flex®
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
18.99% – 28.49% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Generous bonus cash-back categories
- Great welcome bonus
- Booking through Chase Travel℠ can restrict outside earning potential
- Varying percentages and rotating calendar categories require extra attention
- 3% foreign transaction fees
See Business Insider’s Chase Freedom Flex Review.
Chase Slate Edge℠
Chase Slate Edge℠
Intro APR
0% intro APR on purchases and balance transfers for 18 months from account opening
Regular APR
20.49% – 29.24% Variable
Recommended Credit
Good to Excellent
- Introductory APR on purchases and balance transfers for the first 18 months
- No annual fee
- Potential for automatic consideration for credit limit increases and purchase APR reductions
- Card doesn’t earn rewards beyond the welcome bonus
- Other cards have longer intro APR offers
- Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments
See Business Insider’s Chase Slate Edge Credit Card Review.
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Regular APR
19.99% – 28.24% Variable
Earn 100,000 bonus points
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Product Details
- Earn 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
See Business Insider’s Chase Sapphire Preferred Credit Card Review.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Regular APR
20.24% – 28.74% Variable
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
Product Details
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
See Business Insider’s Chase Sapphire Reserve Credit Card Review.
Prime Visa
Prime Visa
Regular APR
19.49% – 28.24% Variable
Get a $150 Amazon Gift Card
Recommended Credit
Good to Excellent
- 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
- Good travel benefits and purchase protections
- No annual fee
- Must be an Amazon Prime member to qualify
- Other cards offer higher cash-back rates on non-Amazon purchases
Product Details
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
See Business Insider’s Amazon Prime Visa Credit Card Review.
Amazon Visa
Amazon Visa
Regular APR
18.99% – 26.99% variable
Earn a $60 Amazon gift card and up to $1,500 cash back
Recommended Credit
Good to Excellent
- Earn 3% back at Amazon, Whole Foods, and on travel booked through Chase
- Good travel benefits and purchase protections
- No annual fee or requirement to be an Amazon Prime member
- Other cards offer higher cash-back rates on non-Amazon purchases
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
Regular APR
20.49% – 27.49% Variable
Recommended Credit
Good to Excellent
- Earns Southwest points on every purchase
- You earn points every year after your cardmember anniversary
- Charges foreign transaction fees
- Very limited benefits
Product Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
See Business Insider’s Southwest Rapid Rewards Plus Credit Card Review.
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
Regular APR
20.49% – 27.49% Variable
Recommended Credit
Good to Excellent
- Generous annual benefits, including a Southwest travel credit and anniversary points, plus upgraded boardings and in-flight discounts
- If you fly Southwest several times a year, the benefits easily outweigh the annual fee
- Annual fee is low compared to other premium airline credit cards
- Highest annual fee among Southwest consumer cards
Product Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
See Business Insider’s Southwest Rapid Rewards Priority Credit Card Review.
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Regular APR
20.49% – 27.49% Variable
Recommended Credit
Good to Excellent
- You get 6,000 points each year after anniversary
- You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
- Annual fee
See Business Insider’s Southwest Rapid Rewards Premier Credit Card Review.
The New United℠ Explorer Card
The New United℠ Explorer Card
Annual Fee
$0 intro for the first year, then $150
Regular APR
20.49% – 28.99% Variable
Recommended Credit
Good to Excellent
- Annual fee is waived the first year
- Earns bonus miles on several purchase categories, including dining
- Includes an application fee credit for Global Entry or TSA PreCheck
- Gets you a free checked bag on United when you pay with the card
- Not the most rewarding card for most non-United travel purchases
Product Details
- Debut Offer: Earn 80,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Free first checked bag – a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Earn a $100 United travel credit after spending $10,000 on purchases with your United℠ Explorer Card within a calendar year
- Over $400 in partner credits each year
- Member FDIC
See Business Insider’s United Explorer Card Review.
The New United Quest℠ Card
The New United Quest℠ Card
Regular APR
20.49% – 28.99% Variable
Earn 90,000 bonus miles and 500 Premier Qualifying Points
Recommended Credit
Good to Excellent
- Substantial intro bonus offer
- A free first and second checked bag
- $200 United® travel credit can offset part of the annual fee
- 10,000-mile award flight credit can help you stretch your United miles
- High annual fee
- Card doesn’t offer United Club lounge access or passes
Product Details
- Debut Offer: Earn 90,000 bonus miles and 500 PQP
- 3x miles on United® purchases
- 2x miles on all other travel, dining, and select streaming services
- 1x mile on all other purchases
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary (terms apply)
- Earn a 10,000-mile award flight discount after spending $20,000 each calendar year
- Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
- Member FDIC
See Business Insider’s United Quest Card Review.
The New United Gateway℠ Card
The New United Gateway℠ Card
Intro APR
0% intro APR on purchases for 12 months from account opening
Regular APR
20.49% – 28.99% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Good bonus categories (including gas stations and local transit/commuting)
- Access to expanded United award availability
- Other United credit cards have much higher welcome bonuses
- No free checked bag benefit like other United cards
- Few United perks other than 25% back on inflight purchases
Product Details
- Debut Offer: Earn 30,000 bonus miles
- No annual fee
- 2x miles on United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Earn 2 checked bags after you spend $10,000 in a calendar year
- Member FDIC
See Business Insider’s United Gateway Credit Card Review.
The New United Club℠ Card
The New United Club℠ Card
Regular APR
20.49% – 28.99% Variable
Recommended Credit
Excellent
- Great intro bonus offer
- If you want United Club membership, this card gets you it for less than buying it outright
- Get two free checked bags on United
- Earns 4 miles per dollar on United® purchases
- Steep annual fee, especially for an airline credit card
- The non-United bonus categories (travel and dining) only earn 2 miles per dollar
Product Details
- Debut Offer: Earn 95,000 bonus miles
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United Club℠ membership – at least a $750 value
- Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and Premier Access® travel services
- Earn a 10,000-mile award flight discount after $20,000 in purchases – up to two times each calendar year
- Member FDIC
See Business Insider’s United Club Card Review.
Aeroplan® Credit Card
Aeroplan® Credit Card
Regular APR
20.49% – 28.99% Variable
Earn up to 70,000 bonus points
Recommended Credit
Good to Excellent
- Generous welcome bonus which you can use for Air Canada and Star Alliance partner award flights
- Free first checked bag on Air Canada flights for cardholder and up to eight companions
- Automatic Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year (priority check-in, early boarding, upgrades on Air Canada flights)
- Redeem points toward any travel purchase at 1.25 cents each through Pay Yourself Back
- After the first two calendar years, you’ll need to requalify for 25K elite status by spending $15,000 in a calendar year
- Card doesn’t offer airport lounge access or passes
Product Details
- Earn up to 70,000 bonus points
- Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC
See Business Insider’s Aeroplan Credit Card Review.
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
Regular APR
20.49% – 27.49% Variable
Earn 3 Free Night Awards and 50,000 bonus points
Recommended Credit
Good to Excellent
- Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
- The only lucrative bonus category is participating Marriott Bonvoy hotels
- Upgrading to Gold status requires spending $35,000 on the card in an account year
See Business Insider’s Marriott Bonvoy Boundless Credit Card Review.
Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bountiful™ Card
Regular APR
20.99% – 27.99% Variable
- Substantial welcome offer and 4x bonus points on dining worldwide and U.S. supermarkets
- Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays)
- Earn 1,000 bonus Marriott points per stay
- High annual fee
- No free night award after your account anniversary; must spend $15,000 in a year to earn
- 4x points capped at $15,000 in combined purchases on dining and U.S. supermarkets
See Business Insider’s Marriott Bonvoy Bountiful Card Review.
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit Card
Regular APR
20.49% – 27.49% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Cardholders get 15 elite night credits toward status
- Only offers strong rewards for Marriott purchases
See Business Insider’s Marriott Bonvoy Bold Credit Card Review.
IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card
Regular APR
19.99% – 28.49% Variable
Earn 140,000 Bonus Points
Recommended Credit
Good to Excellent
- Anniversary reward night can be worth more than the annual fee
- Could offer better rewards on non-IHG purchases
Product Details
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Business Insider’s IHG One Rewards Premier Credit Credit Card Review.
IHG One Rewards Traveler Credit Card
IHG One Rewards Traveler Credit Card
Regular APR
19.99% – 28.49% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Great points earning for IHG stays
- No foreign transaction fees
- Not much in the way of perks beyond earning points
- Really only a good option for earning points on IHG stays
Product Details
- Earn 80,000 Bonus Points
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Business Insider’s IHG One Rewards Travel Credit Credit Card Review.
The World Of Hyatt Credit Card
The World Of Hyatt Credit Card
Regular APR
19.99% – 28.49% Variable
Earn up to 60,000 bonus points
Recommended Credit
Good to Excellent
- Valuable annual reward night
- Hyatt points are valuable, and this card earns 2x points on several bonus categories
- If you spend a lot on this card, you can earn a second free night
- Not too many extra benefits
Product Details
- Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
See Business Insider’s World of Hyatt Credit Card Review.
British Airways Visa Signature® Card
British Airways Visa Signature® Card
Regular APR
19.99% – 28.49% Variable
Recommended Credit
Good to Excellent
- 3 Avios per dollar on British Airways purchases is a generous earning rate
- You can receive up to $600 in statement credits per year when you book an award flight to London and pay the taxes and fees with this card
- Not the most rewarding card for non-British Airways purchases
Product Details
- Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
See Business Insider’s British Airways Visa Signature Credit Card Review.
Aer Lingus Visa Signature® Card
Aer Lingus Visa Signature® Card
Regular APR
19.99% – 28.49% Variable
Recommended Credit
Good to Excellent
- Substantial welcome bonus and generous earning rate on Aer Lingus, British Airways, Iberia, and LEVEL purchases
- Opportunity to earn a companion ticket each calendar year
- Companion ticket requires $30,000 in spending in a calendar year
See Business Insider’s Aer Lingus Visa Signature Credit Card Review.
Iberia Visa Signature® Card
Iberia Visa Signature® Card
Regular APR
19.99% – 28.49% Variable
Recommended Credit
Good to Excellent
- Substantial welcome bonus and generous earning rate on Iberia, British Airways, Aer Lingus, and LEVEL purchases
- Opportunity to earn a $1,000 Iberia flight discount voucher each calendar year
- Discount voucher requires $30,000 in spending in a calendar year
See Business Insider’s Iberia Signature Credit Card Review.
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
Regular APR
20.24% – 28.99% Variable
Recommended Credit
Good to Excellent
- Strong cash-back earning rates on DoorDash and dining purchases
- No annual fee or foreign transaction fees
- Complimentary DashPass membership and discounts/statement credits
- DashPass membership after the first year requires spending $10,000 on purchases
- The card’s best benefits aren’t useful if you don’t order from DoorDash often
- Welcome bonus offer isn’t as strong as some other no-annual-fee cash-back cards
See Business Insider’s DoorDash Rewards Credit Card Review.
Instacart Mastercard®
Instacart Mastercard®
Regular APR
20.24% – 28.99% Variable
Earn $100 Instacart credit plus a free year of Instacart+ membership
Recommended Credit
Good to Excellent
- Earn 5% cash back on Instacart purchases
- New cardholders get statement credit for Instacart purchases, with no minimum spending requirement
- No annual fee
- Strong 2% cash-back categories including restaurants, gas, and select streaming services
- No foreign transaction fees
- Not the most rewarding card for grocery purchases if you don’t use Instacart
- 5% cash back on Chase Travel might not be valuable depending on where you usually book travel
See Business Insider’s Instacart Mastercard Review.
Chase has a plethora of personal credit cards, many of which offer rewards for travel, dining, hotels, and more. In addition to the accounts listed above, the bank also offers two Disney rewards credit cards.
Two of the bank’s credit cards, the Chase Sapphire Preferred® Card and the Chase Freedom Unlimited®, are on our best credit cards guide.
We have a guide on the best Chase credit cards to help you determine the best options based on your needs.
Chase Business Credit Cards
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card
Regular APR
18.49% – 26.49% Flex for Business Variable
- High welcome bonus and at least 2% cash back on every purchase
- 2.5% cash back on purchases of $5,000 or more
- Good travel and purchase benefits including cell phone protection
- Rewards can’t be turned into transferable Chase Ultimate Rewards points
- High annual fee
- Pay-in-full card means you’ll have to pay your balance in full each month or use Chase’s new Flex for Business financing option
Insider’s Take
With a high annual fee and limited redemption options compared to other Chase Ink cards, this card is only a good fit for small businesses that regularly make purchases of $5,000 or more to trigger the highest reward rate. It could also be a good choice for those who need the higher spending potential offered by a pay-in-full card. For most small business owners, however, other Chase Ink cards are a better value.
Ink Business Premier Card
See Business Insider’s Chase Ink Business Premier Credit Card Review.
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
17.49% – 23.49% Variable
Earn $750 bonus cash back
Recommended Credit
Good to Excellent
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
Product Details
- 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
- Member FDIC
See Business Insider’s Chase Ink Business Unlimited Credit Card Review.
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
17.49% – 25.49% Variable
Earn up to $750 bonus cash back
Recommended Credit
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Product Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six 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 at gas stations and restaurants 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
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
See Business Insider’s Chase Ink Business Cash Credit Card Review.
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Regular APR
20.24% – 26.24% Variable
Recommended Credit
Good to Excellent
- High sign-up bonus
- Offers 3 bonus points on several spending categories, including travel and advertising purchases
- Includes comprehensive travel coverage
- Welcome bonus has a very high minimum spending requirement
Product Details
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- 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.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
See Business Insider’s Chase Ink Business Preferred Credit Card Review.
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
Regular APR
20.49% – 27.49% Variable
Recommended Credit
Good to Excellent
- 4 bonus points per dollar on Southwest purchases
- Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
- $199 annual fee is on the high side
Product Details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
See Business Insider’s Southwest Rapid Rewards Performance Business Credit Card Review.
Southwest® Rapid Rewards® Premier Business Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
Regular APR
20.49% – 27.49% Variable
Recommended Credit
Good to Excellent
- Awards you 6,000 points each year after your account anniversary
- Earns 3x Southwest points per dollar on your Southwest purchases
- Relatively light benefits compared to other airline credit cards
Product Details
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
See Business Insider’s Southwest Rapid Rewards Premier Business Credit Card Review.
The New United℠ Business Card
The New United℠ Business Card
Regular APR
20.49% – 28.99% Variable
Recommended Credit
Good to Excellent
- Solid travel benefits with United, including a free checked bag and priority boarding
- $125 annual United travel credit is relatively easy to earn
- Beyond the intro bonus offer, it will take a while to earn a lot of miles through everyday spending on this card
Product Details
- Debut Offer: Earn 125,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
See Business Insider’s United Business Credit Card Review.
United Club℠ Business Card
United Club℠ Business Card
Regular APR
20.49% – 28.99% variable
- Full United Club membership
- Earns 1.5 miles on all non-United purchases
- Cardholders can get 2 free checked bags on United
- High annual fee
- No bonus miles-earning categories beyond United
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
Regular APR
19.99% – 28.49% Variable
Earn 140,000 Bonus Points
Recommended Credit
Good to Excellent
- Up to 2 free night certificates each year
- Ability to achieve top-tier elite status through spending
- $99 annual fee
Product Details
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
See Business Insider’s IHG One Rewards Premier Business Credit Card Review.
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Regular APR
19.99% – 28.49% Variable
Earn 60,000 bonus points and Explorist status
Recommended Credit
Good to Excellent
- Excellent welcome bonus, earning, and benefits
- Automatic elite status for yourself and up to five company employees
- Up to $100 in Hyatt credits each year and a 10% points rebate on redemptions when you meet spending requirements
- High annual fee
- Card doesn’t offer an annual free night like similar hotel cards do
- Points rebate requires $50,000 in spending in a calendar year
Product Details
- 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
- Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
See Business Insider’s World of Hyatt Business Credit Card Review.
If you’re a small business owner, Chase has several business credit cards to explore. Options range from cash-back credit cards to cards with good perks for frequent travelers. A few are featured in our best business credit cards guide.
We have a guide for the best Chase business credit cards to help you find the best card for your small business.
Chase Mortgages
Chase Mortgage
Compare lenders
Types of Loans Offered
Conforming, jumbo, FHA, VA, Chase DreaMaker
- The Chase DreaMaker mortgage is a good option for lower-income borrowers
- Advanced tool for seeing personalized rates and payments
- Offers down payment assistance
- Existing customers may be eligible for discounts
- No USDA loans, home equity loans, reverse mortgages, or construction loans
- Doesn’t accept alternative forms of credit
- High credit score requirements
Product Details
- Offers home loans in all 50 US states and Washington, D.C.
- Minimum credit score and down payment displayed are for conforming mortgages
See Business Insider’s Chase Mortgage Review.
Chase has conforming, jumbo, FHA, VA, and Chase DreaMaker mortgages. The Chase DreaMaker mortgage may be a good option if you’re a first-time homebuyer. The program allows lower-income borrowers to make a minimum 3% down payment with reduced private mortgage insurance costs.
Chase Investing
J.P. Morgan Self Directed Investing
$700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money by 7/22/2025
- No minimum requirement;
- Commission-free stocks, ETFs, options, and mutual funds
- Account includes access to exclusive JP Morgan research
- Stock, mutual fund, and ETF screeners available
- Limited selection of account types
- No advanced trading platforms
Product Details
- Get up to $700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money by 7/22/2025
- $700 when you fund with $250,000 or more
- $325 when you fund with $100,000-$249,999
- $150 when you fund with $25,000-$99,999
- $50 when you fund with $5,000-$24,999
- Get unlimited commission-free online stock, ETF, fixed income, and options trades when you open an account.
- $0 Online Commission trades
- Choose an account that’s right for you: General Investing, Traditional IRA or Roth IRA.
- Access our secure, easy-to-use trading experience online or through the Chase Mobile® app.
- Our powerful tools and resources are built to help you take control of your investments.
- INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
See Business Insider’s J.P. Morgan Investing Review.
Chase offers investing and wealth management services through J.P. Morgan, another part of the company. You’ll be able to trade stocks, ETFs, options, and mutual funds. Depending on what brokerage account you choose, you can handle trading yourself or get help from financial advisors.
Is Chase Trustworthy?
We use ratings from the Better Business Bureau to see how banks respond to customer issues. The BBB gives Chase an A- rating because it hasn’t responded to a few complaints from customers.
The bank does have a recent public controversy, though.
In 2023, it was required to pay $75 million in a settlement with the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein’s sex trafficking operation.
Chase Bank Alternatives
Chase Bank vs. Bank of America
You might prefer Bank of America for a savings account because the Bank of America Advantage Savings Account, with an interest rate of 0.01% to 0.04% APY, automatically waives its monthly fee for the first six months. Opening this account also makes you eligible to earn cash-back rewards when you use your debit card with select retailers.
Chase may be better if you’re searching for the right checking account, though. There are several Chase checking accounts, so you’re likely to find one that fits your needs.
Bank of America Review
Chase Bank vs. Wells Fargo
The Wells Fargo Way2Save® Savings Account, which offers an interest rate of 0.01% APY, is appealing because it has tools to help you save more. For example, the Save As You Go® feature transfers $1 from checking to savings each time you swipe your debit card.
Chase offers many more checking account options than Wells Fargo, so you might find the best fit with Chase. As far as CDs go, it depends on which CD term length you’re looking for. Wells Fargo CD rates are decent, but the bank only offers terms up to one year. Meanwhile, Chase has CD terms as high as 10 years.
Wells Fargo Review
Why You Should Trust Us: How We Reviewed Chase Bank
At Business Insider, we use our bank account rating methodology guidelines to rate all of our banking products.
We rate products on a scale from one to five stars. For bank accounts, we review different features for distinct types of bank accounts. For example, we’ll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we’ll factor in the ATM network size and fees, as well as its overdraft protection options.
When we’re calculating the total star rating of a bank account, we use a weighted average. Each feature will be scored from 0 to 5, and some features, such as interest rates and fees, will have a weight percentage.
Chase Overall Rating
Chase Bank FAQs
Chase offers many different personal and business banking services, such as savings accounts, checking accounts, credit cards, and mortgages. It also offers investing services and wealth management through the J.P. Morgan side of the company.
Depending on the account you’re interested in, you might end up paying monthly service fees, overdraft fees, minimum opening deposits, or ATM fees. Some of these fees can be waived if you meet the requirements, though.
You can contact Chase Bank customer service by calling, sending an email, sending physical mail, or going into a physical branch and asking for help.
Yes, Chase Bank is a good bank for many products, such as credit cards, checking accounts, and mortgages.
Yes, Chase Bank is FDIC-insured. Your bank accounts are safe up to $250,000 per depositor.
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