Credit Cards » Compare Credit Cards » Best Chase Credit Cards of 2021
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Best Chase Credit Cards of 2021

Chase offers a number of card options in a variety of categories. Here are The Smart Investor Select’s picks for Chase credit cards

Some products that appear here are from companies from which this website receives compensation. This may impact how and where products appear on this site (including, for example, the order in which they appear). It doesn’t affect our editors’ opinions. our opinions are our own.

Chase Bank services almost half of the households in the USA with a broad variety of products, including numerous credit cards. Chase cards offer great rewards with a superb points program, generous spending rewards, and sign up bonuses. In fact, Chase issues some of the most well known store, hotel, and airline credit cards.

Chase has a superb cash back program where you can earn a percentage back on your purchases. Depending on the card option, you could earn up to 5% on spending in certain categories. However, the lowest cash back tier is 1%. You can choose a card that maximizes your cash back benefits, so you can earn the most on your every day or frequent spending.

Some Chase cards offer points rewards rather than a percentage of cash back. This type of reward works on the same principle as cash back. You’ll receive a specific number of points for purchases in certain categories. So, you could earn 1 to 5 points for each $1 you spend.

Here are The Smart Investor Select’s picks for the top Chase credit cards:

Chase Sapphire Preferred

Chase Sapphire Preferred review
On Chase Secure Website

Chase Sapphire Preferred

Reward details

2X on travel and dining at restaurants and 2X points on grocery store purchases (till April 30, 2021 and up to $1,000 in grocery store purchases per month ), 1 point per dollar spent on all other purchases
Up to 2X points for every $1 you spend

Current Offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
60,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

15.99% – 22.99%
  • Overview
  • Card Features
  • Pros & Cons

The Chase Sapphire Preferred card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards.

This card is on our top spot in regards to the best traveling and dining cards as they offer you 2X more points compared to other cards. In addition, Chase Bank offers a 25% point’s bonus, whenever you redeem the points for travel.

The card offers a sign-up bonus of 60,000 points when you spend more than $4,000 on any purchases in the first 90 days. This is equivalent to $750 in travel costs when you redeem your travel rewards.You shall also earn 2x points while traveling and dining at a variety of restaurants around the world and one point on the dollar on any other purchases.

  • Rewards Plan: 2X on travel and dining at restaurants and 2X points on grocery store purchases (till April 30, 2021 and up to $1,000 in grocery store purchases per month ), 1 point per dollar spent on all other purchases
  • APR: 15.99% – 22.99%
  • Annual fee: $95
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: None
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: None
  • 60,000 Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • High APR
  • No Introductory 0% on APR Balance Transfer
  • 5% Balance Transfer Fee

Chase Freedom Flex

Chase Freedom review

On Chase Secure Website

Chase Freedom Flex

Reward details

1-5% cash back

Current Offer

$200 Cash Back

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months

APR

14.99% – 23.74%
  • Overview
  • Card Features
  • Pros & Cons

If you have a high credit score and want a card to capture your spending habits with no extra cost. It has a $0 annual fee, and only individuals with credit scores of between 690 to 850 can qualify for the card. The first 15 months attract zero interest on purchases, which is an incentive for you to spend high.

You will earn a $200 cash bonus for every $500 you spend within the first 90 days and a 5% cashback on grocery and online purchases. You will also enjoy a 5% cash back for every $1500 cumulatively spent while using the card. The card issuer has a 2020 rating of 809 from J.D. Power, which places it fourth among 11 rated card issuers.

 
  • Rewards Plan:
  • APR: 14.99% – 23.74%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 3%
  • Sign Up bonus:
  • 0% APR Introductory Rate period: 0% intro APR for 15 months from account opening on purchases.
  • $200 Sign Up Bonus
  • No Annual Fee
  • 0% APR on Balance Transfers and Purchases
  • Pool Points & Other Bonuses
  • Protection & Free Credit Score
  • 5% Bonuses has a Cap
  • High APR
  • Balance Transfer Fee
  • Foreign Transaction Fee

Chase Freedom Unlimited

Chase Freedom Unlimited review

On Chase Secure Website

Chase Freedom Unlimited

Reward details

5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
1.5% cash back

Current Offer

$200 bonus after you spend $500 on purchases in the first 3 months from account opening + 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
$200 bonus plus 5% cash back grocery store

Credit Rating

Fair

Annual Fee

$0

0% Intro

0% Intro APR for the first 15 months that your Account is open.

APR

14.99% – 23.74%
  • Overview
  • Card Features
  • Pros & Cons

The chase freedom unlimited provides an enthralling combination of lavish rewards, including a 5% cashback on travel purchased through the card, 1.5% on other purchases and 3% on dining, including drugstores and takeout. They also offer a higher sign-up bonus than what most cashback cards offer, with a zero-annual fee and a flexible redemption option.

Chase Freedom Unlimited is the best for you if you are looking for a card with enthralling rewards. The Chase Freedom Unlimited gives users five options for claiming your hard-earned rewards and offers a $200 cashback after you have spent $500 within the first three months of using the card. In 2019, chase ranked 4th in the J.D. Power credit card customer satisfaction study.

  • APR: 14.99% - 23.74%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 3%
  • Rewards Plan: 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
  • Sign Up bonus: $200 bonus after you spend $500 on purchases in the first 3 months from account opening + 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • 0% APR Introductory Rate period: 0% Intro APR for the first 15 months that your Account is open.
  • 1.5% Cash Back
  • $200 Sign Up Bonus
  • 0% APR on Balance Transfers & Purchases
  • No Annual Fee
  • Protection & Free Credit Score
  • No Bonus Rewards
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • High APR

Chase Sapphire Reserve

Chase sapphire reserve review

On Chase Secure Website

Chase Sapphire Reserve

Reward details

3 Points on Dining at Restaurants Worldwide, 1 point per dollar spent on all other purchases and 3 Points on Travel Worldwide, immediately after earning your $300 annual travel credit.
Up to 3X points for every $1 you spend

Current Offer

50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
50,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$550

0% Intro

None

APR

16.99% – 23.99%
  • Overview
  • Card Features
  • Pros & Cons

The Chase Sapphire Reserve card is a premium travel card that offers many benefits that your average reward card does not. You'll receive 50,000 points after spending $4,000 in the first 3 months of opening the card, which is about $750 in travel rewards if booked through Chase Ultimate Rewards.

In addition, you earn 3 the points when spending on travel or restaurants and 1 point for $1 spent on other purchases. However, you'll be eligible for the 3X points on travel or restaurants just after you receive your first $300 in annual travel bonuses.  There are many other benefits. However, due to the high annual fee ($550) - you should make sure your regular spending habits fits to this card and you'll be able to cover the high annual cost. If that's not the case - the Chase Sapphire Preferred is a good alternative.

  • APR: 16.99% – 23.99%
  • Annual fee: $550
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: None
  • Rewards Plan: 3 Points on Dining at Restaurants Worldwide, 1 point per dollar spent on all other purchases and 3 Points on Travel Worldwide, immediately after earning your $300 annual travel credit.
  • Sign Up bonus: 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • 0% APR Introductory Rate period: None
  • 3X Bonus Points
  • 50,000 points Sign Up Bonus
  • 50% More Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • Airport Lounge Access
  • $550 Annual Fee
  • No Introductory 0% APR Balance Transfer Fee
  • Balance Transfer Fee
  • Chase Restrictions

Amazon Prime Rewards Visa Signature

On Chase Secure Website

Amazon Prime Rewards Visa Signature

Reward details

5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases.
1-5% cash back

Current Offer

Get a $100 Amazon Gift Card instantly upon credit card approval
$100 amazon gift

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

None

APR

14.24% – 22.24%
  • Overview
  • Card Features
  • Pros & Cons

The Amazon Prime Rewards Visa Signature Card has great benefits for people who are avid Amazon shoppers. The card is offered through Chase Bank, and there is no annual fee.

With the Amazon Prime card, you earn 5% cash back reward on all Amazon purchases invluding whole foods market, 2% cash back on restaurant, gas, and drugstores, and 1% cash back on all other purchases.

In addition, you’ll get get a $70 Amazon gift card instantly upon credit card approval.However, you have to be an Amazon Prime member to hold the Amazon Prime Rewards Visa Signature Card, which has an annual fee of $119. The 5% rewards rate on all Amazon purchases is alluring for Amazon shoppers, but there are drawbacks and limitations to the card.

  • APR: 14.24% - 22.24%
  • Annual fee: $0
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: None
  • Rewards Plan: 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases.
  • Sign Up bonus: Get a $100 Amazon Gift Card instantly upon credit card approval
  • 0% APR Introductory Rate: None
  • Good Cashback Reward Points
  • Great Sign-Up Bonus
  • No Annual Fee
  • Better APR Than Other Cards
  • No Transfer Options
  • Links to Only One Amazon Account
  • Slow Processing Time and Many Fees
  • High Balance Transfer Fee

Marriott Bonvoy Boundless

Marriott Bonvoy Boundless Card review 2019

On Chase Secure Website

Marriott Bonvoy Boundless

Reward details

6 points per $1 spent at participating Marriott Bonvoy hotels, 2 points per $1 spent on all other eligible purchases
Up to 6 points per $1 spent

Current Offer

75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
75,000 Bonus Points

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

15.99% – 22.99%
  • Overview
  • Card Features
  • Pros & Cons

Marriott Rewards Premier Credit Card is now Marriott Bonvoy Boundless Card. It is a new card with a different name and look but still offers some great benefits. The Marriott Rewards Premier Credit Card was replaced as part of Marriott integration of Starwood Hotels and Resorts.

Marriott Bonvoy Boundless Card has great rewards for those customers who are loyal to Marriott Hotel chains. With the Marriott Bonvoy Boundless Card, every dollar spent at one of the thousands of Marriott Hotels earns the cardholder 6 points. This has no limit. You'll also get 2 points for every $1 spent on other purchases.

75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening, as well as many other benefits such as free nights, airline points transferring, free qifi , baggage insurance and more. However, this card has a $95 annual fee and a bit high APR of 15.99% - 22.99%.

  • APR: 15.99% - 22.99%
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: None
  • Rewards Plan: 6 points per $1 spent at participating Marriott Bonvoy hotels, 2 points per $1 spent on all other eligible purchases
  • Sign Up bonus: 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: None
  • Reward Points
  • Great Sign-Up Bonus
  • Transfer to Airline Points
  • Baggage Insurance
  • No Foreign Transaction Fee
  • Annual Reward
  • Annual Fee
  • Chase Restrictions
  • Balance Transfer Fee
  • Confusing Rewards
  • 5th Night Free Conditions

How to Compare Chase Credit Cards

The Different Chase Credit Card Types:

Chase offers a number of card options in a variety of categories.

1. Rewards

Chase has numerous reward card options. These offer generous rewards for your every day spending. The options include:

  • Chase Freedom Unlimited: This card has no annual fee and provides 5% cash back on your travel purchases, 3% on dining, and 1.5% on all your other purchases. There is also a $200 introductory bonus and 0% APR for the first 15 months. This makes it a great option for those who enjoy travel, but also want to earn rewards in other categories.
  • Chase Freedom Flex: This offers the same introductory bonus and 0% APR intro rate. However, the reward categories are a little more flexible. You can earn 5% cash back on combined purchases up to $1,500 each quarter in bonus categories.
  • Chase Sapphire Preferred: This card has a $95 annual fee, but allows you to earn double points on dining. You can also receive 60,000 bonus points if you spend $4,000 in the first 90 days after account opening.
  • Chase Sapphire Reserve: This card has a higher $550 annual fee. However, you can earn 3x points on dining and travel. Additionally, there is a 50,000 point bonus if you spend $4,000 during the 90 days after account opening.

2. Airline Cards

Airline cards are a great option for frequent travelers. Chase is partnered with more airlines to provide some great rewards on your travel.

  • Southwest Rapid Rewards: There is a $149 annual fee that is applied to your first billing statement. However, you can enjoy a $75 Southwest travel credit per year. You’ll also earn 5 points for every $1 spent on your Southwest purchases. New account holders can earn up to 80,000 bonus points.
  • United Club Infinite: This card has a $525 annual fee, which is waived for the first year. You can enjoy United Club membership with 2 free checked bags. You’ll also earn 4x rewards on your United purchases and 2x on all other travel, including dining.
  • British Airways Visa Signature: With a $95 annual fee, you’ll earn 3 Avios for every $1 you spend with British Airways, Iberia, and Aer Lingus. You can also earn 2 Avios for each $1 on hotel accommodation and 1 Avios for each $1 on all other purchases. New account holders can also earn up to 100,000 Avios in their first year. These card benefits are also available through the Aer Lingus Visa Signature and Iberia Visa Signature cards.

3. Hotel Cards:

If your travel is road based and involves hotel stays rather than flights, Chase has some great hotel card options.

  • Marriott Bonvoy Bold: This card has no annual fee, but allows you to earn unlimited Marriott Bonvoy points to earn free stays. You’ll earn points on all your purchases with bonus points on Marriott Bonvoy purchases. You can also accumulate 30,000 bonus points if you have $1,000 in purchases in your first 90 days.
  • World of Hyatt: This card has a $95 annual fee, but you’ll earn points on your purchases and 1 free night each year. As a welcome offer, you can earn up to 50,000 bonus points.
  • IHG Rewards Club Premier: The annual fee is $89, which is waived for the first year. You can earn up to 25 points for each $1 you spend at IHG hotels. When you spend $3,000 in the first 90 days, you’ll also receive 140,000 bonus points.

Other Card Options:

  • Disney Premier Visa: This card has a $49 annual fee, but there is a 0% introductory rate for 6 months on select Disney packages. You can earn 2% in Disney Reward Dollars on select purchases and 1% on every other purchase. You can redeem your points towards almost anything Disney. New cardmembers will also receive $200 statement credit if they spend $500 in the first 90 days.
  • Starbucks Rewards: Earn 3 stars for each $1 you spend at Starbucks and 1 star for every $2 on grocery store, local transit, and internet and phone services purchases. All other purchases attract 1 star per $4. You can also receive 4,500 bonus points if you spend $500 in the first three months. The card is free for the first year; after this point, the annual fee is $49.
  • Amazon Prime Rewards Visa: You can earn 5% on your Amazon and Whole Foods Market purchases with your eligible Prime membership. There is also 2% on gas station, drugstore, and restaurant purchases and 1% on everything else. There is no annual fee, and you can receive an Amazon gift card bonus upon card application approval.
  • Chase Freedom Student: Finally, there is an option specifically designed for students. This card has no annual fee, and you can earn 1% cash back on purchases while building your credit. There is also a $50 bonus after you make your first purchase within 90 days of account opening.

Chase also offers a number of business card options.

What Credit Score Will You Need For Chase Credit Cards?

Your credit score is a crucial factor when applying for any card. Since they offer generous rewards, the top Chase credit cards typically require a good or excellent score to qualify. This means that you will need 690 or more to apply.

The most obvious exception to this is the Freedom Student card. Since this card is designed to help students to build their credit and enjoy rewards, it has more flexible requirements. This card is typically offered with a modest limit initially, but you can earn a credit limit increase after you make five monthly payments on time. Chase will even reward you with a $20 bonus on each account anniversary up to five years.

One feature that makes Chase stand apart from many other card issuers is that the bank offers access to view your free credit score. You can log into your account and enjoy 24/7 access, so you can monitor your score and make informed choices about which cards will be available to you.

How Do Chase Cash Back Offers Work?

Chase has a superb cash back program where you can earn a percentage back on your purchases. Depending on the card option, you could earn up to 5% on spending in certain categories. However, the lowest cash back tier is 1%. You can choose a card that maximizes your cash back benefits, so you can earn the most on your every day or frequent spending.

The rewards redemption is flexible. You can redeem it in a number of ways including:

  • Credit on Your Statement: You can use your cash back to help to pay down the balance on your credit card. Once you accumulate credit, you can request a statement credit to be applied to your next bill.
  • Online purchases: You can also use your cash back to help pay for purchases with online retailers or travel booking websites.
  • Check: If you prefer, you can opt to receive your cash back as a check mailed to your home or a direct deposit into your bank account.
  • Gift Card: You can also visit the rewards portal to exchange your cash back for gift cards for restaurants, department stores, or other popular brands.

How Do Chase Points Reward Offers Work?

Some Chase cards offer points rewards rather than a percentage of cash back. This type of reward works on the same principle as cash back. You’ll receive a specific number of points for purchases in certain categories. So, you could earn 1 to 5 points for each $1 you spend.

In many cases, you can also redeem your points as statement credit or a check. However, the specialized cards typically offer greater incentives when spending your points. For example, the hotel cards allow you to exchange your points for free nights stays, while the airline cards allow you to claim free travel.

This can be more appealing for those who enjoy specific activities or brands. So, if your family loves Disney, the prospect of earning Disney dollars for your spending could be very attractive. Alternatively, if you can’t live without your daily Starbucks coffee, the Starbucks card allows you to earn bonus points on your Starbucks purchases. You’ll also earn Barista Picks at participating stores 8 times per year. So, you can enjoy specially chosen food and drink items.

What is the Chase Rewards Program?

The Chase Ultimate Rewards Program allows you to maximize the benefits of the points you earn on your Chase credit card. You can earn bonus points on selected purchases or redeem your points for cash, gift cards, travel, and more.

So, even if you have not opened up a cash back card, you can transform your rewards into direct deposits into your bank account or statement credit. You can also transfer your points to travel partners with a 1:1 value.

However, the rewards program goes further. You can use your points and card to attend exclusive events that are tailored to your passions and interests. Alternatively, you can use your points to pay for part or all of your Amazon order, Apple purchase, or choose from more than 150 gift card options. There is even the possibility to earn up to 15 bonus points when you shop through Chase at over 350 stores.

Account holders can access the Ultimate Rewards portal on the Chase website or Chase mobile app. You’ll need to sign in using your user name and password to see the available offers and deals. Once you’re logged in, you will see a drop down menu with the redemption offers.

This can make an interesting addition to your account, so you can tailor your rewards to your current interests and preferences.

Chase Redemption Options + Cashback Calendar 2021

Chase offers some great redemption options for your cash back and rewards. From statement credit and check payments to gift cards and online spending. There are even specific redemption options for specialist cards, to maximize your rewards. You can simply choose the redemption option that best suits your current requirements.

However, what makes Chase interesting is that the bank maintains a cash back calendar for cardholders to earn 5% cash back in certain categories each quarter. You’ll earn the cash back on eligible categories within rotating categories with a list of merchants that change each quarter.

In quarter one of 2021, which runs from January to March, you can earn 5% cash back on purchases with gas stations, selected streaming services, and internet, cable and phone services. The categories for the remaining quarters of 2021 are yet to be announced. Still, in 2020, they included Amazon and Whole Foods purchases, Walmart and PayPal and Grocery stores, fitness clubs, and gym memberships.

The great thing is that you don’t have to activate the categories before the start of the quarter. You can activate quarter one from December 15 right up to March 14. All you need to do is click “Activate Now” on the categories page when you log into your account. Additionally, you can still earn 5% cash back even if you forgot to activate before you made a purchase, providing you activate before the quarter deadline.

How to Maximize Chase Rewards?

If you want to maximize your Chase rewards, one of the best options is to transfer your points to one of the list of travel partners. The list of Chase travel partners includes over a dozen hotel and airline programs. This includes:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • JetBlue TrueBlue
  • Emirates Skywards
  • Southwest Airlines Rapid Rewards
  • Virgin Atlantic Flying Club
  • United Airlines MileagePlus
  • World of Hyatt
  • IHG Rewards Club
  • Marriott Bonvoy

You’ll receive a 1:1 ratio with increments of 1,000 points. While the value of the partner points will vary, generally, you may get 2 cents per point when you redeem for award flights.

For example, if a business class one way flight from LA to New York on United Airlines costs $725, you may be able to get the same flight for 38,000 points. This equates to 1.9 cents for each point if you transfer to United Miles.

Another option to maximize your rewards is to use them to book hotels, rental cars, or experiences directly through the Ultimate Rewards portal. You can simply search for your dates to see the cash prices and corresponding cost in points for almost every major hotel group, car rental company, or major airline.

The per point value when you redeem through the portal will depend on your specific credit card, but you can get as much as 1.5 cents per point.

As an example, if a hotel room would cost you $199 in cash, you can book it for 15,920 points if you have a Chase Sapphire Preferred card.

You can also use your points for Apple or gift card purchases, but this may not be your best use of points. You’re likely to get a flat rate of 1 cent per point. However, if you’re not interested in travel, this can be a good way to get gift cards for your favorite brands.

What Are the Other Benefits of having a Chase Card?

In addition to offering rewards and the reassurance of the Chase brand name, there are some other benefits of having a Chase card. These include:

  • Travel Insurance: Many Chase travel cards also offer you travel insurance. This can provide compensation for rental car collision damage, flight cancelations, and emergency care abroad. Check your cardmember agreement to check the redeeming protections practices and eligibility.
  • Travel Upgrades: Some cards also offer flight and hotel room upgrades. You may also enjoy free checked bags, complimentary in flight meals, or hotel breakfasts.
  • Theft and Damage Protection: While most retailers offer insurance, if this doesn’t apply to your purchase, you may be able to obtain theft and damage protection through your Chase credit card. You will need to have purchased the item using your credit card and meet the card requirements. However, Chase can provide information on eligibility and guide you through filing a claim.
  • Fraud Protection: Fraud is a major concern for many people today, particularly when you are making online purchases. Many Chase cards offer fraud protection, so you can enjoy protection against unauthorized activity on your account.
  • Price Protection: You may also enjoy price protection with your Chase card. This allows you to receive a reimbursement if an item you recently purchased is discounted in price.
  • Return Protection: If a retailer does not offer reimbursement, you may be able to obtain return protection with your Chase card. However, there may be limitations or exclusions depending on your cardholder agreement.

How Many Chase Credit Cards Can I have at One Time?

Chase doesn’t actually publish their official rules on how many cards you can have at one time. There are a number of factors that will influence Chase’s decision. You may be restricted by the amount of credit Chase is willing to extend, your income, debt level and credit score.

It is not unusual for consumers to have five or six Chase cards. However, there are some unofficial rules that will influence whether you will receive approval for multiple cards. For example, it is unlikely that you will be approved for more than two Chase cards in 30 days. If you require a business card, you may only receive approval for one personal and one business card in a 90 day period.

Like most lenders, Chase is sensitive to multiple, recent applications. So, it is a good idea to space out your applications to every 3 to 6 months. Additionally, Chase may not approve your application if you’ve opened 5 or more cards from different banks within the last 24 months.

How Do I Cancel a Chase Credit Card?

Chase allows you to cancel your card by calling the Chase toll free number or signing on to your account online. Within your personal account, you can select the Credit card section and select the card you want to cancel. You will then need to fill in a brief reason why you would like to cancel the card.

Remember, you will need to pay any outstanding balance before you cancel the card. It is also a good idea to use or transfer all your current points, or you will lose them. Within a short time, you’ll receive a message confirmation, and you should have an email within 24 hours. This is usually a standard email letting you know Chase is sorry you want to close your card account and confirming your request has been actioned.

Then it’s done; your Chase credit card is canceled.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.