Which chase credit card is better

This card earns 1. See if you qualify for a better offer with Chase:. If you're willing to put in a little work, it's one rich card. You have to opt in to the bonus categories every quarter, which can be a hassle. But avid travelers know better. You get 3 points per dollar spent on travel and dining and 1 point per dollar on all other spending. If you purchase through Chase Ultimate Rewards, you can earn even more: 10 points per dollar on Chase Dining, hotel stays and car rentals and 5 points on air travel.

Points are worth 1. And don't forget the big sign-up bonus. Get this card only if you are a dedicated traveler. Airfare, hotels, cruises, taxis, rental cars and train tickets are all categorized as travel purchases.

Or you can transfer them to several frequent traveler programs at a rate. Since this is a general-purpose travel card, it doesn't come with the kinds of perks that are standard on branded airline and hotel cards in the same price range. Take classes using a phone, tablet, or TV. No fitness equipment is required. All other spending earns 1 point per dollar.

If your spending doesn't align with the 3X categories, your rewards will be limited. With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring. Terms Apply. Rewards rate. Intro bonus.

Annual fee. Regular APR. Recommended credit. Good to Excellent - Credit score. Bankrate's View This is a premium travel rewards card offering a ton of value for anyone who spends heavily on dining and travel. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Bankrate's View This no annual fee card offers a generous cash back rewards rate on all purchases. No annual fee. Bankrate's View The Ink Business Unlimited Credit Card offers the small-business owner a simple and straightforward option to earn rewards and benefits. Cash Back rewards do not expire as long as your account is open. Free credit score with Chase Credit Journey.

Excellent - Credit score. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming. Card details Our best points offer ever! Now enjoy more benefits and more ways to earn. Pros Chase offers some of the most valuable rewards rates and sign-up bonuses in the credit card industry.

Many Chase cards come without annual and foreign transaction fees. Because you can transfer points between some accounts, pairing multiple Chase cards together can further increase the value of your redemptions.

Offering a versatile catalog of credit cards, Chase gives options for nearly all types of potential cardholders. Having more than one Chase card in your wallet is the best way to maximize your rewards. It takes some added planning, but savvy cardholders can take advantage of the Chase Trifecta , where you pair flat-rate earning cards with ones that have specialized categories.

This strategy gives cardholders access to earn rewards at their highest point, pool points together, and redeem for boosted value. But Chase allows cash back earned on these cards to be redeemed as Ultimate Rewards points. Other cards, like the Chase Sapphire Preferred Card and Chase Sapphire Reserve, have rewards structures based on points, rather than cash back. The monetary value of these points varies depending on your specific card the Sapphire cards carry redemption boosts and how you redeem non-cash redemption options are often more valuable.

But generally, you can redeem points from any Ultimate Rewards-earning Chase card for cash back or statement credits at a rate of 1 cent per point. See our Ultimate Rewards guide for a full breakdown of redemption values.

Cardholders can customize Chase card combinations in several different way:. Chase cards that earn Ultimate Rewards points are easy to pair, creating a card strategy that can help you maximize nearly every purchase you make.

Instead of collecting points, miles, or cash back toward different rewards program currencies, it can be advantageous to earn Ultimate Rewards points on multiple Chase cards, which you can combine into one account and redeem together.

Two common methods are the Chase trifecta and Chase quartet, which you can customize to fit your spending and benefits preferences. Remember, applying for several cards from any issuer within a short time frame can have a negative effect on your credit score and cause lenders to view you as riskier than other cardholders. Chase has an unconfirmed standard that might affect your approval chances for a new card account.

Customers who open multiple card applications in a short period of time, regardless of issuer, will likely encounter difficulties. There are a number of reasons your credit application for a new Chase card might be denied. Take time after a credit denial to determine why your application was denied and the steps you need to take to increase your approval odds. Here are some actions you can take to improve your chances of approval next time:.

You can cancel your credit card account with Chase by calling the number on the back of your Chase card or logging into your online account. When you receive your new Chase card in the mail, it should come with instructions for activating the card. Use the information on the sticker attached to your new card to activate by phone or online.

In most cases, your card should be ready to use immediately after you activate it. The best Chase credit card for you depends on your individual situation. Pre-qualifying for a card is a great way to ensure your application will be approved before you agree to a hard credit pull, which can temporarily lower your credit score. If you want to cancel your Chase card, here is what you must do.

Speak to a representative on the phone by calling the number on the back of your card or and let them know you want to cancel your Chase-issued card. Unfortunately, you cannot do this online and you also cannot cancel it until you have paid your balance in full.

Related: How to cancel a credit card. Everyone has their own thoughts on what makes up the best set of travel rewards credit cards, and you may not want to deal with the hassle of tracking multiple cards to be used in different scenarios.

For rates and fees of the Amex Platinum card, click here. For rates and fees of the Amex Blue Business Plus card, click here.

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Read our Advertiser Disclosure. Wilson Close Close Contributor Tooltip. Wilson is a senior editor for TPG, where she does recruiting, handles internal training and mentors our interns and young writers. She does media appearances for TPG and will bring her insights to the site with aviation and travel features. Known as the Aviation Queen, she's a veteran aviation journalist who has covered airports, security and the airline passenger experience. Best overall mid-tier card.

Rewards Rates 2 - 5X points. Intro Bonus 60, points. Recommended Credit Take classes using a phone, tablet, or TV. No fitness equipment is required. Best for non-bonus spending. Rewards Rates 1. Why we chose it The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1. No annual fee. Pros At least 1. Best for freelancers. Best for dining and travel insurance. Rewards Rates 1 - 10X points.

Intro Bonus 50, points. Why we chose it The Chase Sapphire Reserve is one of our top premium travel cards. Best for rotating bonus categories. Cons You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases This card charges foreign transaction fees so it's best to use it within the U.

Best for business travelers. Rewards Rates 1 - 3X points.