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Chase Credit Cards Reviews

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About Chase Credit Cards

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Chase (NMLS #399798), the U.S. consumer and commercial banking business of JPMorgan Chase & Co., offers home purchase and refinancing loans, in addition to its other financial services. The company provides home loans in every state and Washington, D.C., and its services are available online, through its mobile app, by phone and in person at more than 5,000 branches.

Helpful Reviews

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Chase Sapphire Reserve Card: When we went to San Miguel de Allende in November, someone made a $2003.10 charge on my credit card for hardware from Comer Neggler Company, which app...

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Dekalb, IL
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I received a survey from Chase today regarding an interaction I had with a rep yesterday on my "Amazon Prime Visa" account. Since there was a blip in sending the survey back, here...

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Compare the best Chase credit cards

Chase offers a variety of top credit cards for personal and business use. Chase cardholders can earn cash back, travel rewards and generous signup bonuses, plus take advantage of 0% introductory APR periods for balance transfers and new purchases. Before you apply for a Chase credit card, be aware of Chase’s 5/24 rule — Chase automatically rejects applicants who’ve opened five or more cards in the last 24 months.

chase sapphire preferredRecommended Credit:
Excellent
Best travel rewards
Chase Sapphire Preferred
  • Earn 2x points on travel and dining
  • 60,000 bonus points when you spend $4,000 in the first 3 months
  • $95 annual fee
chase freedom unlimited balance transferRecommended Credit:
Good–excellent
Best flat-rate rewards
Chase Freedom Unlimited
  • Earn unlimited 1.5% cash back on every purchase
  • $150 bonus when you spend $500 in first 3 months
  • No annual fee
chase ink business preferredRecommended Credit:
Good–excellent
Best business sign-up bonus
Chase Ink Business Preferred
  • Earn 3 points per $1 spent on travel and select business categories
  • 80,000 bonus points when you spend $5,000 in first 3 months
  • $95 annual fee
chase ink business cashRecommended Credit:
Good–excellent
Best small business card
Chase Ink Business Cash
  • Earn limited 5% back on office supplies, internet bills and phone services
  • $500 cash back bonus when you spend $3,000 in first 3 months
  • $0 annual fee
chase ink business unlimitedRecommended Credit:
Good–excellent
Best flat-rate business card
Chase Ink Business Unlimited
  • Get unlimited 1.5% cash back on every business purchase
  • $500 bonus when you spent $3,000 in first 3 months
  • No annual fee
chase freedomRecommended Credit:
Good
Best cash back rewards
Chase Freedom
  • Bonus categories earn 5% cash back
  • $150 signup bonus if you spend $500 in first 3 months
  • No annual fee
chase sapphire reserveRecommended Credit:
Excellent
Best luxury travel benefits
Chase Sapphire Reserve
  • Earn 3x points on travel and dining
  • 50,000 bonus points when you spend $4,000 in first 3 months
  • $550 annual fee

Chase credit cards FAQ

How much are Chase points worth?

Generally, each Chase rewards point is worth $0.01 – $0.15. All Chase points are worth at least $0.01 per point when redeemed for statement credits or gift cards, but some Chase credit cardholders (those who pay an annual fee) are eligible to redeem points through the Chase Ultimate Rewards travel portal at a 25% greater value.

What is Chase Ultimate Rewards?

The Chase Ultimate Rewards program is a way for Chase rewards-earning credit cardholders to redeem points for cash back, travel, or gift cards at a higher value. Only Chase-branded rewards credit cards earn Chase Ultimate Rewards points.

Does Chase offer secured credit cards?

No, Chase does not offer secured credit cards.

Still have questions?

Do we recommend Chase credit cards?

Chase credit cards are some of the best around if you have good or excellent credit and want to earn cash back or travel rewards. You can maximize Chase Ultimate Rewards by combining points from multiple rewards-earning Chase cards. For example, use a card with rotating bonus categories, like the Chase Freedom card, for purchase in those categories and a flat-rate rewards card, like Chase Freedom Unlimited, for everything else. Chase cardholders can even transfer points to another member of their family through the Chase Ultimate Rewards portal.

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Chase Credit Cards Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceCoveragePrice

    Reviewed May 28, 2026

    Liars and manipulators. Do not rent a car and refuse the insurance option. Chase claims that they cover your vehicle, but they don't. This is a deceiving tactic to get you to charge Chase card so that you spend the most. I filed a claim for a cracked windshield. They kept on email me and despite I sent all the documents, they never acknowledged my claim and close it. I will be ready to cancel my card very soon.

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    Customer ServiceStaffTransparency

    Reviewed May 27, 2026

    Horrible experience with Chase card customer service. Had to make numerous phone calls per day for numerous days trying to get my elderly mother with dementia's auto pay account updated after she had dealt with a scammer and had to freeze bank account and open a new account. I had my mother give them permission, as a matter of fact plead with them to help me take care of her business numerous times but was instructed differently each time I spoke with a customer service rep and followed instructions, attempting to give them what they asked for, how they asked for it but with no success.

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      Customer ServiceContract & TermsPriceBilling

      Reviewed May 25, 2026

      Horrible customer service and they charge a lot of fees for every little thing! Go to another credit card company where there’s better customer service. There are better companies out there. Capital one or Bank of America!

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      Customer ServiceContract & TermsSales & MarketingPriceBilling

      Reviewed May 21, 2026

      Chase Southwest credit card services SUCK! If I can give them a -000000, I would. Every time I use this card since I have gotten it, it's been a headache to deal with. The first time I used the card, I paid the balance within a few days but the available credit never posted and then was taken away. $0 balance due, $0 credit available for a week. I kept thinking why does it take so long for the credit availability to post when payment has been made and the money gone from my bank account?

      Then after a week, for no reason, they deactivated the card and sent me an email that said I was misusing the card. Misusing? How? I charged one item and paid it in full, how is that misusing it? And this was after I had to pay a $229 of their membership fee too. I had to call to dispute it and get the card reinstated. The 2nd time I charged the card and paid the full balance, the same thing happened again. I was trying to get southwest's promotional points by charging a certain amount to get a large amount of points but even though I paid the full balance before the payment was even due, the available credit was taken away again. I had to call again and was told even though the full balance was paid, money taken from my bank account and the payment has posted, there is a hold on the available credit and it will be released a week after the payment posted.

      I have other credit cards where I pay the balance and the credit is available within 24 hrs but with Chase, it takes a week for the credit to be available even after they have already taken my money. If not for Southwest's perks, I would not keep this card. It's more of a headache to use and deal with and they don't deserve my money. After I get my bonus points, I am getting rid of Chase. Chase Southwest is garbage. Don't waste your time and don't give them your money. They don't deserve your money and support.

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      Customer ServiceBilling

      Reviewed May 19, 2026

      Someone used my Chase prime credit card for Netflix. We do not use Netflix. I called explain and they sent me a new card and would investigate. Next month I check my bill and stated that I owe $240.63 for Netflix since I was double credited by them and Netflix which I was not. It was not my problem since someone else is fraudulently used my card. I have other credit cards and no issues. Chase is the first one to do this to us. I canceled my cards. I am telling everyone not to use Chase credit cards.

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      Customer ServiceStaffBillingTimeliness

      Reviewed May 14, 2026

      I have had a Chase card for business and personal reasons probably for over 40 years. I've had other credit cards in the past, but Chase has absolutely been my number one credit card of choice. They have been exceptional for their customer service, anytime I had a problem, the personnel I dealt with was extremely professional and in a very short amount of time resolving my problem in a fair and equitable manner. I would highly recommend Chase for anyone looking for a new credit card or other Chase financial services. Several years ago, I was in New York City on a business trip and lost my wallet with my credit cards, my cash and all of my ID. I contacted Chase customer service. They arranged for a hotel for me to check into my flight back home and got me a new credit card delivered to my hotel the next day. What could've been a disaster was a delight. I will never forget what they did for me on that cold night in New York City.

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      Reviewed May 13, 2026

      They didn't even bother to read the carefully documented information I provided to support my case for a chargeback dispute, and they sided against me, giving a reason that completely contradicted the facts given.

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      Customer ServicePriceRefunds & PayoutsBillingHonesty & Transparency

      Reviewed May 5, 2026

      The short version: Every time I had to call this company it was a different answer. After telling me they would pause charges for two months I was still charged. The next supervisor I spoke to guaranteed it would not be charged the next time. It was charged. I called again and was told more lies. Each time I implored them to listen to the recording of our phone call, or to read the notes of the last time I called, and all I was given was sorry this happened to you. It must be easy read a script when you aren't the one figuring out how to feed your children.

      The biggest slap in the face, other than them admitting it was not right, was they couldn't refund me because I had closed my card. JPMorgan Chase Bank can not issue a refund, even though they admitted to a mistake, because I closed my card with them. Bottom line, I am a single mother who just went through cancer treatment. My card was my saving grace with medical bills and other fees. I tried to do the right thing in paying it off. It has hurt me more than I could ever imagine. At the end of the day I am nothing but more money for them. Imagine hearing A BANK cannot refund you the money that was not supposed to be taken.

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      Billing

      Reviewed April 25, 2026

      If I could give a -5 star review I would. I applied for the Freedom credit card. Not only my credit score went down but it was declined because they thought it was identity theft wtf I applied with Credit Karmas app and got no notice or anything to confirm that I indeed wanted this card. I’m never applying with Chase. Horrible!

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      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed April 24, 2026

      I have had 2 credit cards with Chase for more than 10 years. About 6 months ago, I tried to log in to my online account, and a message came up that I needed to call in due to suspicious activity. I called, they verified my identity, and I got back into my account. The same thing happened the following month, and again the following month. This time, when I called the number, after talking to 4 different people, I was told the account had to be reviewed by the back office, and someone would call me within 3 days. After not hearing from anyone for 2 weeks, I called again. Once again, after being transferred several times, I was told the same thing. 3 months later and still the same exact thing. Not only can I not get into my online account, when I called to make a payment over the phone and requested mailed statements, they were only able to take payment for 1 of my chase accounts. They said the other account was locked and they couldn't do anything.

      THEN, a few weeks later I get a call from Chase because my payment is late! WOW... After explaining to him why it was late, he assured me we could get things fixed and he would stay on the line the entire time even if we have to be transferred. He did, and just like I told him in the beginning, they were not able to help me and said the account would have to be reviewed by the back office. The circle continues. And today, after being on the phone with Chase for hours yet again, still no help at all.

      I am closing both accounts and am DONE with Chase. I was patient for months because of how long I had been with them. But they can't seem to help, so what is the point? The worst customer service ever! I don't even blame the actual people. Some were ok and really tried to help. Others couldn't care less about my issue. I will use every opportunity to let people know how horrible their service is when you actually need help! I will post everywhere I can in hopes that people will not use them and experience the same headache I have for MONTHS!!

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      Chase Credit Cards Company Information

      Company Name:
      Chase
      Year Founded:
      1799
      Address:
      270 Park Ave
      City:
      New York
      State/Province:
      NY
      Postal Code:
      10017
      Country:
      United States
      Website:
      www.chase.com