Chase credit cards are some of the most popular in the United States. They come with a variety of features and benefits, making them a great choice for anyone looking for a new credit card.
In this article, we’ll compare the best Chase credit cards of 2022 and help you decide which one is right for you.
Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Credit Card is one of the most popular Chase credit cards. It comes with a variety of features and benefits, making it a great choice for anyone looking for a new credit card.
The Chase Sapphire Preferred® Credit Card has a $95 annual fee and an introductory APR of 0% for 15 months on purchases. After that, the APR will be either 14.99% or 20.99%, depending on your creditworthiness.
The card also comes with a sign-up bonus of 60,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You’ll also earn 2 points per $1 spent on travel and dining at restaurants worldwide and 1 point per $1 spent on all other purchases.
Plus, the Chase Sapphire Preferred® Credit Card comes with a number of other benefits, including trip cancellation and interruption insurance, baggage delay insurance, and more.
Chase Freedom Flex℠ Credit Card
The Chase Freedom Flex℠ Credit Card is a great choice for anyone who wants to earn cash back on their purchases. The card offers 5% cash back on rotating categories, up to $1,500 per quarter, and 1% cash back on all other purchases.
The Chase Freedom Flex℠ Credit Card has no annual fee and an introductory APR of 0% for 15 months on purchases. After that, the APR will be either 14.99% or 23.74%, depending on your creditworthiness.
Plus, the Chase Freedom Flex℠ Credit Card comes with a number of other benefits, including trip cancellation and interruption insurance, baggage delay insurance, and more.
Chase Freedom Unlimited® Credit Card
If you’re looking for a Chase credit card with no annual fee, the Chase Freedom Unlimited® Credit Card is a great option. You’ll earn 1.5% cash back on every purchase, and there’s no limit to the amount you can earn. Plus, you’ll get a $200 bonus after spending $500 in the first 3 months.
The Chase Freedom Unlimited® Credit Card has an introductory APR of 0% for 15 months on purchases. After that, the APR will be either 14.99% or 23.74%, depending on your creditworthiness.
Chase Sapphire Reserve® Credit Card
If you’re looking for an all-around great Chase credit card, the Chase Sapphire Reserve® should be at the top of your list. It comes with a $450 annual fee (See Rates and Fees), but its perks easily outweigh that cost – especially if you travel often.
For starters, you’ll earn 3 points per $1 spent on travel and dining (up to $1,000 in combined spending each month) and 1 point per dollar spent on everything else.
Plus, you’ll get a 50% point bonus when you redeem your points through Chase Ultimate Rewards®, meaning those points are actually worth 4.5 cents each when used for travel. And if you need more reasons to love this card, it also comes with a $300 annual travel credit, up to $100 application fee credit for Global Entry or TSA Pre✓®, and more.
Chase Slate Edge℠ Credit Card
If you’re looking for a Chase credit card that will give you the most value, the Chase Slate Edge℠ Credit Card is the way to go. With no annual fee and a 0% intro APR on purchases and balance transfers for 15 months, this card is tough to beat. You’ll also get 1% cash back on all your purchases, making it easy to earn rewards without having to worry about rotating categories or sign-ups.
So, if you’re looking for a Chase credit card that will give you the most bang for your buck, the Chase Slate Edge℠ Credit Card is the way to go.
Ink Business Preferred Credit Card
When you sign up for the Ink Business Preferred Credit Card, 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’ll also earn 3 points per $1 spent on the first $150,000 spent on travel and select business categories each account anniversary year, and 1 point per $1 spent on all other purchases. There’s a $95 annual fee.
The Ink Business Preferred Credit Card is a great choice for business owners who want to earn Chase Ultimate Rewards points. With this card, 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’ll also earn 3 points per $1 spent on the first $150,000 spent on travel and select business categories each account anniversary year, and 1 point per $1 spent on all other purchases. There’s a $95 annual fee.
How we picked the best Chase credit cards
We considered a number of factors when choosing the best Chase credit cards, including rewards earning potential, sign-up bonuses, annual fees, and more.
The Chase Sapphire Preferred® Credit Card is our top pick for the best Chase credit card because it offers a great sign-up bonus, 2x points on travel and dining, and 1 point per dollar spent on everything else. The Chase Freedom Flex℠ Credit Card comes in a close second, with 5% cash back on rotating categories and a $200 sign-up bonus.
To find the best Chase credit card for you, consider your spending habits and decide which rewards program will give you the most value. Chase Ultimate Rewards points can be redeemed for travel, gift cards, or cash back, while Chase Freedom points can only be redeemed for cash back. If you travel often, the Chase Sapphire Reserve® Credit Card is a great choice, as it comes with a $300 annual travel credit and 3x points on travel and dining.
No matter which Chase credit card you choose, you’re sure to get a great value for your money.
FAQs
What credit score will I need to be approved for these Chase credit cards?
There is no one answer to this question, as Chase looks at a variety of factors when considering credit card applications. However, you will likely need a good to excellent credit score (700+) to be approved for most Chase credit cards.
How do the best Chase credit cards of 2022 compare to other credit cards?
Chase offers a wide variety of credit cards, each with its own unique benefits. When comparing Chase credit cards to other cards on the market, it’s important to consider which features are most important to you. If you’re looking for a card with a great sign-up bonus, the Chase Sapphire Preferred® Credit Card is a great option.
What are the interest rates and fees associated with the best Chase credit cards of 2022?
The Chase Sapphire Preferred® Credit Card has a variable APR of 17.99%-24.99%. The Chase Freedom Flex℠ Credit Card has a variable APR of 16.49%-25.24%. The Chase Ink Business Preferred Credit Card has a variable APR of 15.99%-20.99%. All three cards have no annual fee.
To avoid interest charges, be sure to pay your balance in full each month. If you carry a balance, Chase offers a 0% APR introductory period on purchases and balance transfers for the first 15 months with the Chase Sapphire Preferred® Credit Card and the Chase Ink Business Preferred Credit Card. With the Chase Freedom Flex℠ Credit Card, you’ll get 0% intro APR on Purchases for 15 months (then 16.49%-25.24% variable APR).
Chase also offers a 0% APR introductory period on balance transfers for 18 months with the Chase Sapphire Preferred® Credit Card (then 17.99%-24.99% variable).
How can I use the best Chase credit cards of 2022 to earn rewards?
There are a few different ways to earn rewards with Chase credit cards. The Chase Sapphire Preferred® Credit Card and the Chase Ink Business Preferred Credit Card both offer 2x points on travel and dining, and 1 point per dollar spent on everything else. The Chase Freedom Flex℠ Credit Card offers 5% cash back on rotating categories, and 1% cash back on all other purchases.
To maximize your rewards earnings, be sure to use your Chase credit card for all of your travel and dining expenses. You can also use your Chase card to pay for everyday purchases like groceries and gas, and you’ll still earn rewards points or cash back.
Bottom line
Chase is a well-known financial institution that offers a wide variety of credit cards. Their cards come with great rewards programs and benefits, making them a popular choice for consumers.
When looking for the best Chase credit card, it’s important to consider your spending habits and decide which rewards program will give you the most value. Chase Ultimate Rewards points can be redeemed for travel, gift cards, or cash back, while Chase Freedom points can only be redeemed for cash back. If you’re looking for a card with a great sign-up bonus, the Chase Sapphire Preferred® Credit Card is a good option.
No matter which Chase credit card you choose, you’re sure to get a great value for your money. Be sure to compare all of their options before making your final decision.
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