This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

When looking for a top travel credit card, several Chase options are likely on that list. And they’re there for a good reason. Chase cards come with easy and practical ways to earn rewards, global transfer partners, and partnerships with top brands. So, having one of the best Chase credit cards in July 2022 helps earn valuable rewards on travel and on daily spending. And let’s not forget the exciting signup bonuses that Chase has rolled out on several of their cards.

For instance, for a limited time, new Marriott Bonvoy Boundless® Credit Card cardholders can earn 5 Free Nights (each night valued at up to 50,000 points) after qualifying purchases. This is the best Free Night Offer on this card! You can see this offer and learn more here: Hotel Rewards Credit Cards

Also, note that many of the Chase cards are also metal credit cards. This means you not only have a durable card, but you also have an appealing aesthetic.

chase credit card combo
Johnny Jet holding an Ink Business Preferred® Credit Card (read more on why he chose the Ink Business Preferred Card)

The Best Chase Credit Cards for July 2022

Here are our picks for the best Chase credit cards for July 2022. You can use this guide to jump to a specific card or keep reading to learn more about the many options:

What Are The Best Credit Cards for Chase Bank Customers?

Are you looking for a top credit card that earns cash back or rewards, both when traveling and staying at home? Perhaps you’re also looking for something with no annual fee. Maybe you already have a Chase checking or Chase savings (or maybe even Chase business checking account) bank account. Even if you don’t already have a relationship with Chase, Chase bank is a good place to start.

Chase makes it’s hard to choose a credit card because they have so many appealing products. There’s the no annual fee Freedom cards, the rewards earning Sapphire cards, the Ink Business cards, and much more. As mentioned above, many of these cards are great for everyday spending.

Best Chase Travel Credit Card: Chase Sapphire Preferred Card

Let’s just dive in: New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.

The Chase Sapphire Preferred earns unlimited:

  • 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
  • 3x points on dining (including eligible delivery services, takeout, and dining out)
  • 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
  • Also 3x points on select streaming services
  • 2x points on all other travel purchases
  • 1x point per $1 spent on all non-bonus purchases 

There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.

Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.

Other Chase Sapphire Card Details

One tradeoff for the Chase Sapphire Preferred bonus is the $95 annual fee. However, the bonus can help offset the annual fee if you use it to pay for travel with one of the Chase travel partners. The Preferred is comparable to another popular travel credit card, the Capital One Venture Rewards Credit Card, and other cards with similar benefits. See how the Capital One Venture and Chase Sapphire Preferred to compare for more information.

Because the Sapphire Preferred is the best Chase credit card overall, this signup bonus is somewhat exclusive. You only qualify if you do not own another Sapphire product and haven’t received a new Sapphire cardmember bonus in the past 48 months. Knowing the Sapphire application rules can help you have the best chance for approval.

You will also need to keep an eye on the number of new credit card accounts you open. The “Chase 5/24” rule will most likely decline your application if you have opened or been listed as an authorized user on 5 or more new credit cards in the most recent 24 months.

The Chase Sapphire Preferred® Card is a rewards Chase credit card. Redeeming your points for award travel helps make each point worth at least one cent each.

Related: Citi Premier vs Capital One Venture Rewards

25% Travel Redemption Bonus

When redeeming your points for award travel on Chase, each point is worth 25% more at 1.25 cents each. This redemption bonus is how the 60,000 point signup bonus is worth $750 but only $600 when redeeming every bonus point for non-travel rewards.

Expedia powers the Chase award travel portal. You can enjoy the 25% bonus on any type of award travel, including flights, hotels, rental cars, cruises, and tours. If you don’t want to use all your points on one purchase, Chase also lets you pay with points and cash.

1:1 Transfer Partners

You might find more value in the 1:1 airline and hotel transfer partners. In 1,000-point increments, you can transfer your points to their loyalty programs.

No Foreign Transaction Fee Chase Credit Card

The Chase Sapphire Preferred may have a $95 annual fee, but you will never pay a foreign transaction fee. As other cards charge up to 3% on international purchases, the savings can more than pay the annual fee if you travel internationally regularly with credit cards.

The Chase Sapphire Preferred is the best Chase credit card overall for most award travelers because of its flexibility when booking award travel and its reasonable annual fee. These two advantages make it easy for a beginner or experienced traveler to maximize the value of each point they earn.

Other Perks and Bonus Categories

We think all of the Chase Sapphire Preferred benefits are worth the annual fee. Here’s why:

Points are worth 25% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.

Don’t forget about the Chase Sapphire rental car insurance benefits that you can also take advantage of when planning any road trips.

The $95 annual fee is easily offset by the perks.

Related: Chase Sapphire Preferred Review

Best No Annual Fee Cash Back Chase Card: The Chase Freedom Flex

One of the newest additions to the Chase credit card lineup is the Chase Freedom Flex℠ by Mastercard. The Freedom Flex replaced the Chase Freedom®, although the purchase rewards structure is similar. The Chase Freedom Flex lets cardholders earn 5% back (up to $1,500) in combined purchases on select categories that rotate quarterly. Activation is required (usually by clicking a link in your email or tapping a button in your account).

These are the Chase Freedom Flex bonus categories:

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1% back)
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 1% on all other purchases

Seeing how many cash back opportunities that cardholders have, it’s no surprise that this is also one of the best cashback credit cards available.

The Chase Freedom Flex card doesn’t have an annual fee but does have a 3% foreign transaction fee.

Many who have a Chase Sapphire Preferred Card or Chase Sapphire Reserve also have a Freedom product to earn more bonus points. You can then transfer them to your Sapphire account for the travel redemption bonus or 1:1 point transfers. Each Ultimate Rewards point is worth 1 cent each for cash redemptions or award travel you book through the Chase travel portal.

Chase Freedom Flex Bonus

New Chase Freedom Flex℠ cardholders can earn a $200 bonus after they spend $500 on purchases in the first 3 months from account opening.

World Elite Mastercard Benefits And Cell Phone Protection

The Chase Freedom Flex is a World Elite Mastercard (the Mastercard equivalent of a Visa Signature product). Some of the card’s built-in benefits include:

  • $10 Lyft credit after you take 5 rides in a month (one $10 credit per month)
  • 5% cash rewards at Boxed for future purchases
  • Free ShopRunner membership
  • $5 off future movie tickets or at-home purchases with Fandango
  • 10% off onefinestay rental homes and villas
  • Exclusive PGA Tour golf offers and discounts

The complimentary cell phone protection is an exciting benefit and saves you a small fortune. First, you will need to pay your monthly cell phone bill with the Chase Freedom Flex. You get up to $1,000 in yearly coverage benefits. Mastercard lets you make up to two claims per year ($800 max per claim) if your phone is stolen or needs certain repairs. There is a $50 deductible per claim.

The cash back rewards earned do not expire, so long as your account stays open and active. Plus, unlike other cash back credit cards, there is no minimum needed to redeem for cash back.

Related: Chase Freedom Flex Review

Premium Chase Travel Credit Card Option: Chase Sapphire Reserve

The Chase Sapphire Reserve® is the flagship Ultimate Rewards credit card.

New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.

People like the Sapphire Reserve for many of its bonuses, perks, and benefits. Here are a few of them.

Earn Points on Travel and Dining

Chase Sapphire Reserve® purchases earn up to 10x Chase Ultimate Rewards®. Cardholders can earn unlimited: 

  • 10x total points on hotels and car rentals purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
  • 10x total points on Chase Dining purchases with Ultimate Rewards
  • 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
  • 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
  • 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
  • 1x points for all remaining purchases

You will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these purchases.

When most flexible credit cards might only pay 2x points per $1 on bonus purchases, you have a higher earning potential. Plus, it doesn’t matter which airline you fly or the restaurant you eat at; you’re earning points.

Bonus Travel Redemption Options

The Sapphire Reserve earns Chase Ultimate Rewards points. They are always worth at least one cent each when redeemed for cash or gift cards. However, Ultimate Rewards are most valuable for award travel.

You have two different travel redemption options. Both are valuable in their own way.

50% Travel Redemption Bonus

Your points are worth 1 cent each with non-travel rewards. They receive a 50% boost when you redeem them for award travel on the Chase Ultimate Rewards travel portal. Expedia powers this portal, so you have plenty of travel options. From flights, hotel nights, cruises, and anything in between, your points are worth 1.5 cents each.

This can be a better option for non-airline award travel and for booking travel with non-Chase travel partners. The second redemption option is usually more valuable for booking award flights.

1:1 Point Transfers to Airlines and Hotels

The 50% travel redemption bonus is already one of the most valuable point redemption options for any credit card. But, your points can be worth more than 1.5 cents each when you transfer them to an airline or hotel transfer partner. In 1,000-point increments, you can transfer your points to your airline or hotel account for free.

Because airline miles tend to be more valuable than hotel points, you’re usually better off transferring your miles to an airline. Then, you book an award flight. One of the best hotel transfer partners is World of Hyatt. For many Hyatt award nights, you can usually get a per-point value greater than 1.5 cents each.

chase vs capital one credit card offers
Earn rewards when you travel. Credit: Lyft

Other Sapphire Reserve Benefits

Points are worth 50% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature

In Summary of the Chase Sapphire Reserve

Keep in mind that the Sapphire Reserve has a $550 annual fee. If you’re a frequent traveler, the benefits like Sapphire Reserve trip delay insurance can easily save you more than the annual fee cost.

If these extra benefits don’t help you, look at the Chase Sapphire Preferred Card. The Sapphire Preferred Chase credit card only costs $95 a year, and you still get a 25% travel redemption bonus and 1:1 point transfers. You can review our comparison of the Chase Sapphire Reserve vs Chase Sapphire Preferred to help you decide which is best for you.

The Chase Sapphire Reserve is a premium travel rewards credit card. That means you enjoy other card benefits in addition to flexible point redemptions.

Some of these extra benefits include:

Sapphire Reserve Bonus

New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.

With the 50% travel redemption bonus, these points are worth $900 in award travel. But, they can be worth more with the 1:1 point transfers.

These are a few reasons why this is one of our favorite Chase credit cards.

Related: Chase Sapphire Reserve Review

Best Chase Credit Cards for Business: Ink Business Preferred Credit Card

You can also earn Ultimate Rewards points on your business purchases too. There are several Chase business credit cards, but the Ink Business Preferred® Credit Card is the best for earning travel or cash rewards. The card isn’t as benefit-rich as the Sapphire Reserve, but it’s a solid option for business owners. Plus, its annual fee is only $95.

Also, the Ink Business Preferred® Credit Card can be your third leg in the “Chase Trifecta.” You can pool your Ultimate Rewards points with your other Chase credit cards. If you own the Ink Preferred and Sapphire Reserve, you maximize both business and personal purchases.

Get a $1,250 Signup Bonus

The Ink Business Preferred has the most valuable Ultimate Rewards signup bonus. You can earn 100,000 bonus Ultimate Rewards points worth $1,250 in award travel. To earn the bonus, you must spend $15,000 in the first three months.

This is one of the best credit card offers.

Earn Up to 3 Points on Purchases

Every year, you can earn 3 points per $1 on the first $150,000 in combined spending for these categories:

  • Travel
  • Shipping Purchases
  • Internet, Cable, and Phone Services
  • Advertising on Social Media and Search Engines

After reaching the $150,000 spending cap, your remaining purchases earn 1 point per $1 for the rest of the year. All non-bonus spending categories earn an unlimited 1 point per $1 spent with the Ink Business Preferred Credit Card.

25% Travel Redemption Bonus

Like the Sapphire Reserve, you can enjoy 1:1 point transfers and a travel redemption bonus. For the Ink Business Preferred, you get a 25% travel redemption bonus. This means your points are worth 1.25 cents on the Ultimate Rewards travel portal and 1 cent each for non-travel awards.

Once again, you might find a better deal by transferring your points to a 1:1 travel partner.

Cardholders can redeem points for cash back, gift cards, travel, and more (points are worth 25% more when redeemed for travel through Chase Ultimate Rewards). Points don’t expire as long as the account is open. Additionally, cardholders get fraud protection and zero liability. Purchase protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account. 

Related: Ink Business Preferred Card Review

Best Hotel Credit Card: The World of Hyatt Credit Card

If you’re looking for a hotel credit card that comes with the ability to earn several free nights, The World of Hyatt Credit Card is worthy of consideration.

Cardholders also get a free anniversary night reward at any category 1-4 Hyatt hotel or resort. Plus, if you spend $15,000 or more during your cardmember anniversary year, you earn an extra free night at a category 1-4 hotel. Enjoy automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open. Plus, you’ll earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card.

Of course, it wouldn’t be a good hotel credit card if it didn’t earn bonus points on hotel stays! Cardholders earn 9x points total for Hyatt stays (4x points per $1 spent at Hyatt hotels & 5x points per $1 earned if you’re a World of Hyatt member, Hyatt’s free hotel loyalty program). They also earn 2x 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.

Additionally, cardholders can enjoy complimentary World of Hyatt Discoverist status for as long as their account is open.

Related: How To Earn Hyatt Status With Credit Card Spending

World of Hyatt Bonus

New cardmembers can earn a signup bonus of up to 60,000 World of Hyatt bonus points. Earn the first 30,000 points by spending $3,000 on purchases in the first 3 months from account opening. Plus, earn up to 30,000 more bonus points with 2 bonus points per $1 spent on purchases that earn 1 bonus point, up to $15,000, in the first 6 months of account opening.

As free nights start at 5,000 points, that’s enough for up to 12 free nights at category 1 hotels.

Related: The World of Hyatt Credit Card Review

The Park Hyatt Hamburg. Credit: Hyatt

Bonus: The World of Hyatt Business Credit Card

For businesses who want to maximize their World of Hyatt stays, they might instead consider the new World of Hyatt Business Credit Card. Perks include up to $100 annually in Hyatt credits each anniversary year, access to the Hyatt Leverage Program, immediate World of Hyatt Discoverist status, and more. Plus, they can earn up to 9x points on select purchases.

New World of Hyatt Business Credit Card card members can earn 60,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

The annual fee is $199.

Read more about this card in our detailed World of Hyatt Business Credit Card review.

Another Top Hotel Credit Card: Marriott Bonvoy Boundless Credit Card

The Marriott Bonvoy Boundless® Credit Card has a nice bonus. For a limited time, new Marriott Bonvoy Boundless® Credit Card cardholders can earn 5 Free Nights (each night valued at up to 50,000 points) after qualifying purchases. This is the best Free Night Offer on this card!

You can see this offer and learn more here: Hotel Rewards Credit Cards

You also get a free night award valid at any hotel costing 35,000 points or less after each account anniversary. Since Marriott acquired the Starwood Preferred Guest program, this free night is available at Marriott and Starwood properties. Cardholders can earn up to 17x total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

You can also earn 3x Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

Earn 2x points per $1 spent on all other purchases.

Additionally, earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.

Plus, receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year. You can read more about the perks in our Marriott Bonvoy Boundless review.

Learn more: Hotel Rewards Credit Cards

Bonus Marriott Offer Worth Considering: Marriott Bonvoy Bold Credit Card – No Annual Fee

If you prefer a no annual fee option, consider the Marriott Bonvoy Bold® Credit Card. It comes with automatic Silver Elite status but doesn’t have an annual free night award. But, it does come with a pretty incredible offer.

For a limited time, new Marriott Bonvoy Bold® Credit Card cardholders can earn 60,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening.

Learn more: Hotel Rewards Credit Cards

Not bad for a no annual fee card. This is the best for the occasional Marriott traveler.

You’ll earn up to 14x points per $1 per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Additionally, you’ll earn 2x points for every $1 spent on other travel purchases. Earn 1x point on all other purchases. There is no limit to how many points you can earn.

Chase Airline Option: United Credit Cards

If you are a United fan, there are several Chase-issued options that you should know about. Below, you’ll find some premium picks with some awesome signup bonuses. Keep reading to get a preview of these cards. You can also read more in our guide to the best United credit cards.

United Quest Card

There’s the United Quest Card, which earns 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, and 1x on all other purchases.

Cardholders get a United Airlines flight credit of $125 each year (terms apply). In addition to the $125 annual flight credit, cardholders get 2 award flight credits, each worth 5,000 miles each anniversary year. Terms apply. Each credit covers the first 5,000 miles needed to book an award flight with United.

Additionally, cardholders can bring two checked bags for free. Plus, they have the ability to earn up to 3,000 Premier Qualifying Points (PQPs) per year. That’s almost enough PQPs to qualify for Premier Silver status, as you need 3,500 PQPS.

New United Quest Card cardholders can earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months their account is open.

There is no foreign transaction fee, but the annual fee is $250.

United Club Infinite Card

The United Club℠ Infinite Card is a premium offer, allowing you to enjoy everything United has to offer!

Cardholders can get:

  • Complimentary United Club℠ membership ($650 value) for you and eligible travel companions
  • Access to participating Star Alliance airport lounges
  • The first two bags fly free for you and one travel companion ($320 savings roundtrip)
  • United Premier Access (priority check-in, security screening (where available), baggage handling and boarding privileges)

Cardholders earn 4x miles per $1 spent on United® purchases, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. They also earn 2x miles per $1 spent on all other travel, 2x miles per $1 spent on dining, including eligible delivery services, and 1x mile per $1 spent on all other purchases.

Cardholders get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United-operated flights when paying with their Club Infinite Card. Also, they’ll get TSA PreCheck or Global Entry fee credit.

New United Club℠ Infinite Card cardholders can earn 100,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

The annual fee of $525 is in line with the other premium travel credit cards that offer similar travel benefits.

A Quick Word About the Chase 5/24 Rule

While both of these Chase credit cards are valuable additions to your wallet, you need to keep the “5/24 Rule” in mind.

Chase has an unofficial policy where your application for Chase credit cards is declined when you apply for five or more credit cards in the last 24 months. Even being listed as an authorized user counts as one of the 5 applications. It doesn’t matter which bank you applied to, and it doesn’t matter if one of those five applications was declined. All applications are viewed the same.

So, before applying for one of the Sapphire cards or the Ink Business Preferred, make sure you have fewer than 5 credit card applications in the most recent 24 months. If you’re unsure how many credit card applications you have, you can find out with your free credit score.

Time Chase Card Applications Smartly

Also, you may have to space your applications if you want both of these cards. One option is to wait at least three months between applications. This gives you time to earn the signup bonus with each card. Plus, some Chase card owners report having their second application declined when it was submitted within three months of the first card.

Chase Transfer Partners

We’ve mentioned Chase’s transfer partners several times now. Here is the full list of partners:

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards
  • Air France KLM Flying Blue
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

Hopefully, we’ve explained how valuable Ultimate Rewards can truly be, especially if you like flexibility and use the airline and hotel partners. As you can see, many of these partners have properties and airport hubs around the globe.

Recap

The competition to find the best Chase credit cards is tough. But, the Sapphire Preferred, Reserve, and Ink Business Preferred take the top spots for us. With these cards, you know you earn the most points on each purchase. Plus, you have great redemption options and card benefits.

If you could only use three of the best Chase credit cards for all of your travel and non-travel spending, which credit cards would you use? While you could do a flexible travel rewards credit card and your favorite airline and hotel card, you might not get the most value out of every dollar you spend. That’s why you should consider the “Chase Trifecta,” which will let you enjoy some of the most valuable point redemption values of any credit card rewards program by maximizing 3 of the best Chase Ultimate Rewards credit cards.

Flying United with Chase Ultimate Rewards transfers is a beautiful thing!

What is the Chase Credit Card Trifecta?

The literal meaning of a trifecta is a type of bet in horse racing where you must choose the top three finishers. As you might guess, the Chase trifecta is the top three cards that earn the highest amount of Ultimate Rewards points on each purchase. By owning three of the best Chase credit cards, you can earn up to 5 points on any purchase. It doesn’t matter if it is travel or non-travel related!

As you may already know, each Chase Ultimate Rewards point is always worth at least one cent (10,000 points=$100). For many other credit cards, this is the most any reward point is worth for select rewards like cash back or award travel. With the Chase trifecta, your points can even be worth at least 1.25 cents apiece when you redeem them for award travel. Suddenly, those same 10,000 reward points can be worth $125 or more depending on how you redeem them for travel.

How To Complete The Best Chase Credit Card Trifecta

Not any Chase credit card can be used to complete the Trifecta. You will need the three following cards:

Chase Sapphire Preferred Card

Ideal Purchases: Travel and Dining
Annual Fee: $95

Many travelers think of the Chase Sapphire Preferred Card as the best travel credit card as your points are worth 1.25 cents each when you redeem them for any award travel on the Chase travel portal. Alternatively, they can be transferred to many 1:1 air travel and hotel loyalty programs like United, Southwest, British Airways Avios, Hyatt, and Marriott.

Chase Sapphire Preferred Bonuses and Perks

You can earn unlimited 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, in addition to the flexible redemption options. You will earn the base rate of 1 point per $1 on all remaining purchases.

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.

Use the Chase Sapphire Preferred for your travel and dining purchases to earn at least 2 points for every dollar spent.

If you also want to enjoy premium travel rewards like a $300 annual travel credit and free airport lounge access, you need to try for the Chase Sapphire Reserve benefits instead, although the annual fee is $550. It also earns 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

Related: Chase Sapphire Preferred vs Sapphire Reserve Review

Ink Business Preferred Credit Card

Ideal Purchases: Travel and Business-Related Purchases (3x points on first $150,000 in combined spending)
Annual Fee: $95 

You need to qualify for a business card account (i.e., be self-employed or own a small business) to apply for the Ink Business Preferred® Credit Card. The Chase Ink Business Preferred is the business version of the Chase Sapphire Preferred. Your points are worth 1.25 cents each when redeemed for travel, or you can transfer them to a 1:1 Chase travel partner.

Since this card earns 3x points on travel, use the Ink Preferred to book your trips until you max out the $150,000 spending limit. After that, you will only earn 1 point per $1 for travel and business category spending, so use the Chase Sapphire Preferred after this point for travel (yes, you can have both the Chase Sapphire Preferred and Ink Business Preferred). You will earn 3x points on the first $150,000 spent in the following purchase categories:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services
  • Social media and search engine advertising

Cardholders can redeem points for cash back, gift cards, travel, and more (points are worth 25% more when redeemed for travel through Chase Ultimate Rewards). Points don’t expire as long as the account is open. Additionally, cardholders get fraud protection and zero liability. Purchase protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account. 

Related: Chase Ink Business Preferred vs Chase Ink Cash

Chase Freedom Flex – Best Chase No Annual Fee Card

Ideal Purchases: Everyday Purchases and Rotating 5x Points Bonus Categories
Annual Fee: $0

The Chase Freedom Flex℠ is a tiered cash back rewards card with no annual fee. By owning either the Ink Business Preferred or a Chase Sapphire, your Ultimate Rewards points can be redeemed at 1.25 cents for Chase award travel or transferred to a 1:1 travel partner.

Where the other two card families (Ink and Sapphire) will only earn 1 point per $1 on everyday purchases, you can earn 5 points per $1 on the first $1,500 each quarter in select categories (7,500 points vs. 1,500 points) that are activated. The bonus categories change every calendar quarter.

For the quarters where some of the bonus categories overlap with the Sapphire travel and dining bonus rewards, use the Chase Freedom Flex to earn 5 points instead of 2 points until you spend $1,500 or the bonus category changes.

Chase Freedom Unlimited: Up to 5% Cash Back on All Purchases

If you would rather earn at least 1.5x points per $1 for all spending without having to worry about activating any bonus categories, the Chase Freedom Unlimited® is the option you may be looking for.

Cardholders earn unlimited:

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

There is no annual fee with the Chase Freedom Unlimited.

New Chase Freedom Unlimited® cardholders can earn an additional 1.5% cash back on everything they buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! That means new cardholders can enjoy:

  • 6.5% cash back on travel purchased through Chase Ultimate Rewards® (Chase’s premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more)
  • 4.5% cash back on drugstore purchases
  • 4.5% on dining at restaurants (including takeout and eligible delivery service)
  • 3% on all other purchases

New cardholders earn this extra 1.5% cash back on up to $20,000 spent in the first year.

And yes, you can have both the Chase Sapphire Preferred and Chase Freedom Unlimited if you want to get the best of both worlds.

Just Don’t Forget the Rules

One of the most dreadful barriers to getting the best travel rewards credit cards is the Chase 5/24 Rule. If you have five new credit cards in the last 24 months, Chase declines your application until you only have four new credit card accounts in the most recent 24 months. Since Chase has many of the best travel rewards credit cards, they have been applying the 5/24 rule to most co-brand airline and hotel cards.

Your only option can be waiting until you are “4/24” and hoping the rewards card you want is still available or has an enhanced signup bonus. If you don’t have five new credit cards (either as the primary or authorized user) in the most recent 24 months, you might try applying for one of these cards.

How To See If Chase 5/24 Affects You

The easiest way to see if you have at least five new credits in the past 24 months is to check your credit report at AnnualCreditReport.com or a free credit score website. The most accurate way is to look at the account age of your credit cards. If five or more accounts have been open 24 months or less, you need to wait until four or fewer accounts are younger than 24 months.

What Is The Best Chase Credit Card To Get?

Best Premium Flexible Travel Rewards: Chase Sapphire Reserve

As the “crown jewel” of the credit cards that earn Ultimate Rewards, the Chase Sapphire Reserve can be well worth the wait. You will benefit the most from this card if you are a frequent flyer thanks to its air travel benefits:

  • $300 annual travel credit
  • Free Global Entry or TSA PreCheck
  • Priority Pass Select airport lounge membership

Plus, earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

Additional Perks

Another reason to get the Sapphire Reserve is for your flexible redemption options. Your points are worth 1 cent each for cash rewards, gift cards, and Amazon.com shopping credits. But you can get more benefit when redeeming for travel:

  • 50% redemption bonus when booking travel through Chase
  • 1:1 point transfers to airline and hotel Ultimate Rewards partners

Some of the 1:1 transfer partners include Southwest Airlines, United Airlines, Marriott, and Hyatt.

New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.

The annual fee for the Sapphire Reserve is $550. After the $300 travel credit, the effective annual fee is $250. There isn’t a foreign transaction fee.

You’ll need this credit score for Chase Sapphire Reserve approval.

Best Chase Business Credit Card: Ink Business Preferred Credit Card

All three Ink Business cards fall under the Chase 5/24 rule. The Ink Business Preferred® Credit Card has the most valuable Ultimate Rewards signup bonus. You get a 100,000 bonus Ultimate Rewards worth $1,250 by spending $15,000 in the first three months.

You will earn 3 points per $1 on the first $150,000 in combined spending for these purchase types:

  • Travel
  • Shipping
  • Internet, cable, and phone services
  • Advertising on social media and search engines

All other purchases earn an unlimited 1 point per $1 spent.

The annual fee is $95 with zero foreign transaction fees.

If you are interested in a business credit card but are looking for other no annual fee options, you may be interested in our Chase Ink Preferred vs Ink Unlimited comparison.

Best Chase Airline Credit Card: British Airways Visa Signature Card

If you plan to fly to Europe or book award flights on American Airlines using Avios, the British Airways Visa Signature® Card offers a bonus worth noting. New British Airways Visa Signature® Card cardholders can earn 100,000 Avios after spending $5,000 on purchases within the first 3 months from account opening.

Additionally, new cardholders can earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within the first 18 months from account opening (earn 3 Avios thereafter). New cardholders can also earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within the first 18 months from account opening (earn 2 Avios thereafter). Plus earn 1 Avios per $1 spent on all other purchases.

Plus, new cardholders can get 10% off British Airways flights starting in the United States when you book through the website provided in the welcome materials.

This card has a $95 annual fee but doesn’t charge a foreign transaction fee.

British Airways Travel Together Ticket

Spending $30,000 a year earns you the British Airways Travel Together Ticket that provides a free companion seat (aside from taxes and fees) that’s good for two years. Terms apply.

If you’re comfortable paying the fuel surcharges for long-haul British Airways award flights, better use of redeeming Avios are on these flights:

  • Short-haul flights in Europe or Asia from 4,000 Avios
  • Domestic American Airlines flights under 1,151 miles for 7,500 Avios
  • Flying Alaska or American Airlines to Hawaii for 12,500 Avios one-way

You can learn more about this exciting card and the Travel Together Ticket in our British Airways Visa Signature Card review.

Honorable Mentions

These cards are also worthy of mention, especially if you are loyal to one of the brands that Chase is a partner with.

Southwest Rapid Rewards Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card earns unlimited:

  • 3x points on Southwest® purchases
  • 2x points on local transit and commuting, including rideshare
  • 2x points on internet, cable, phone services, and select streaming purchases

Additionally, cardholders earn 7,500 bonus points each account anniversary, a $75 annual Southwest travel credit, 4 upgraded boardings per year (subject to availability). Additionally, get 25% back on inflight purchases.

New Southwest Rapid Rewards® Priority Credit Card cardholders can earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.

And of course, with Southwest, travelers can check-in up to two bags for free. The annual fee for this card is $149. There are no foreign transaction fees.

Related: Best Southwest Credit Cards

Ink Business Cash Credit Card

The Ink Business Cash® Credit Card is sort of like the business version of the Chase Freedom Flex. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases annually at office supply stores and on internet, cable, and phone services. They also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants annually. All other purchases earn an unlimited 1% cash back.

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

New Ink Business Cash cardholders can earn $750 cash back after spending $7500 on purchases within the first 3 months of account opening. Employee cards come at no extra cost. There is also no annual fee to worry about.

Chase Freedom Student Student Credit Card

Are you a student who wants to build their credit and begin a relationship with Chase? If so, the Chase Freedom® Student credit card might be perfect for you. This no-annual fee credit card comes with annual rewards and the ability to build and manage your credit.

Cardholders can also earn $20 Good Standing Rewards after each account anniversary for up to 5 years. Chase Freedom Student Credit Card cardholders can also earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening and meeting credit criteria.

Additionally, new Chase Freedom® Student credit card cardholders can earn a $50 bonus after making their first purchase, so long as it is made within the first 3 months from account opening.

You can read more in our Chase Freedom Student credit card post.

Summary of Best Chase Credit Cards in July 2022

The Chase 5/24 rule makes you evaluate how to maximize your next credit card application. Thankfully there are a few great options that help you maximize each purchase more than before. Just be aware of the Chase 5/24 rule to have the best chances for approval.

Related Posts: 

Advertisement

Chase Sapphire Preferred® Card

recommended-cart-post-image
APPLY NOW
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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, 2024.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

5 Comments On "The Best Chase Credit Cards Review For July 2022"
  1. anonymous|

    “What Are The Best Chase Credit Cards For Travel in September 2021?”

    The ones without that outrageous 3% foreign transaction fee! Lol!

  2. Chole Beckham|

    Hi Geoff,
    I like Marriott Bonvoy Boundless Credit Card and what it offers. Although, the rest mentions also have many perks. This is an amazing deal for Traveling Lovers.👍
    Thanks

    1. Johnny Jet Editorial|

      Thank you, Chole for your suggestion. I agree, it’s great for Marriott loyalists!

  3. Randy|

    Holy Cow! I got started with Geoff back when he was NoobTraveler – I owe you soooo much Geoff – and trust me – I’ve paid it forward. Thanks for old times, and how long have you been with Johnny?

    1. Johnny Jet Editorial|

      Thanks Randy! Been contributing to JJ for a few years now. Hope you’ve been and travel safe!

Leave a Reply

Required fields are marked *