Follow Us

Find a Credit Cards partner

Help me decide
Chase Credit Cards

Chase Credit Cards

 3.5/5 (3938 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Find a Credit Cards partner

Get better rewards

Need a more rewarding credit card? Find the best card for you.

Choose My Card

About Chase Credit Cards

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Chase offers home lending services, including mortgages, refinancing and home equity loans. It provides online prequalification and home buying resources. The company gives consumers access to mortgage specialists both online and at branches.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Top Chase Credit Cards Reviews

Why Trust ConsumerAffairs
How do I know I can trust these reviews about Chase?
  • 3,528,120 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

profile pic of the author
Rated with 5 stars
Verified

We had the Chase Ink Business cards for about 20 years now and they have been simply fantastic. We've got about a dozen employees that are cardholders and when we get the statemen...

Read full review
Rated with 5 stars
Verified

I currently have two Chase credit cards and they have been a good source of cash rewards. Customer service has always been courteous and efficient and has gone out of their way to...

Read full review

Get better rewards

Need a more rewarding credit card? Find the best card for you.

Choose My Card

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.

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.

Chase Credit Cards Reviews

Sort: Recent
Filter by: Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about Chase Credit Cards?
How do I know I can trust these reviews about Chase?
  • 3,528,120 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Jan. 3, 2022

I was told when I signed up for my Chase checking account a couple months ago that I was already pre-approved for 2 of their credit cards. I applied for one, they called me a week later but I missed the call. Little did I know this was the one and only time anyone would attempt to resolve this issue with me. Next I see an email saying they tried to reach me, and to call them back. Now I have been trying to reach this mysterious department of Chase Bank for the past 10 days. Every day I call I get shuffled around by various robot message boards and call center employees. I think I finally found the right number, but every day it's at least an hour wait.

This morning, infuriatingly, I woke up at 6 AM to try and beat the wait times and was told I only had a 5 minute wait! It's now been 45 minutes. All this to sign up for a credit card I had been "pre-approved" for. I've had 5 different credit cards in the past, have a very good credit score and have never had to deal with anything remotely like this. I will never, ever, under any circumstances open another account of any kind with this company.

Be the first one to find this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Dec. 19, 2021

I've been with them for 20 years. I had only two payments that lapsed into the grace period one or two days because I cancelled the debit card tied to the auto draft payment, and forgot to follow up with the new info for the draft for a couple months (but DID put it back on auto pay.) Credit rating of 742, card balance under 50%. Like I say, no payments went over 30 days or anywhere close to it. They knocked my credit limit down over $3000 for nothing. They just wish all customers had my payment history, but they knock a long time customer credit limit down for being on autopay and sticking with them. Can't imagine what they're doing to the hundreds of thousands if not millions of people who aren't able to pay their credit card at all. I just had my last day yesterday at my career that I've had since 1987 - I wouldn't be retiring if my finances were bad!

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Credit Cards delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 8, 2021

    Chase credit card company, is not worth building with, they will freeze your account when their system feels like it. I had one late payment because I was out of town, two cards were maxed, doing a house project, but others cards were zero balance. Renewed my yearly fee then cancelled my card and refused to refund my yearly $100+ fee. I will no longer have chase cards. When I sell my investment, I will pay off all my chase cards and say GOODBYE. Horrible system on credit building long term. The funny thing my other card (Discover) ***** raised my credit 4 days ago.. Go figure.... Chase lost my service for life.... Valued high interest paying customer.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 17, 2021

    My wife and I have credit scores around 800-830 b/w the two of us (thought I would start with this as to dispel any negative thinking about us from the reader - you). I had a Chase Prime card for quite some time and it was cancelled a few months back. I called Chase because I couldn’t use the card but I had not received my letter of cancellation yet. The company representative could not tell me why it was cancelled and when I finally received my letter it didn’t give an explanation - just said it was cancelled. I have called a couple more times in hopes that someone else could help me but the answer is floating somewhere in limbo. My wife’s Chase card (different account) was also cancelled around the same time with similar info given, or lack thereof…

    I then applied for another Chase card, for both my wife and I, and went through the entire application process. We received our new joint cards after our application went through underwriting… so we thought we were good to go. I began to use my card and it again stopped working. I immediately called and they told me that it was put on hold and being reviewed because of the amount of money that was being used on it - something to do with making sure I wasn’t laundering money. Apparently I passed the test to find out that our new account was also closed and cards cancelled shortly thereafter. I kid you not.. The letter we received for these new cards said that these cards were cancelled for the same reason as the last cards. WHAT DOES THAT MEAN??? We tried to call again and were both told that they didn’t have that info and couldn’t tell us.

    Here are my thoughts and I could care less as to what the company rep claims… I run as many of my bills, payments and purchases as I possibly can to gain the reward points for cash back to the card - I don’t succumb to their deals as I’d prefer to just have cash back and make my own decisions on what to use it on. I pay my card off every month without fail. I feel as if they are cancelling my cards b/c they are not making enough on our family. I would love to hear the real reason if this is not, in fact, the reasoning behind all this wasted-time crap. I don’t ever plan to use Chase again… There are way too many other cards available to deal with this time and time again! We are going to try the Discover It card and am already excited to put Chase in the rear view!

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 17, 2021

    On 05/31/2021 someone broke my gym lock at the LA Fitness Signature Club and stole three credit cards and a debit card. I immediately reported the theft to the Montgomery County, Maryland Police Department where they opened a case number in order to investigate the theft. Since I did not have my phone with me I rushed home and was able to lock the three credit cards. Then I called Chase and CITI banks to report the theft. After reporting the thefts to the appropriate banks I noticed that there was a charge of $293.25 at the CVS Pharmacy next door to the LA Fitness Club. I called the CVS store and spoke to the manager on duty and informed him of the theft and asked him if he could save the pictures of the individual making the purchase at the POS.

    Within three weeks of the theft I was contacted by a police officer of the MCPD. He had several questions regarding the theft and associated credit card numbers, at which time I informed him via email of relevant card numbers and the fact that a Chase credit card was in fact used at the CVS Pharmacy for a purchase of $293.25. In a subsequent email officer verified that he had gone to the CVS and verified footage of the individual making the unauthorized purchase using my credit card for a debit card which the individual later used in Florida.

    I had to go overseas on a personal business trip and upon my return I was shocked to learn that Chase Fraud Prevention Department had sent me a letter stating that I had benefitted from the purchase at the CVS Pharmacy and accusing me of lying about the whole ordeal without supplying any evidence to support their accusation. They had reinstated a charge of $293.25 on my credit card charges due victimizing me for a second time. I called the Chase Fraud Prevention Department several times over a span of a week and they accused me of lying about the whole ordeal and that they were sure that I had been in possession of the stolen credit cards the whole time. I asked for their evidence concerning their accusations and they could not provide any.

    They asked me for any supporting documents related to the thefts and I emailed the communications I had with police officer. I asked them to at least temporarily suspend their demand of the fraudulent charge of $293.25 while they investigated this whole matter and they adamantly refused. Therefore I find myself victimized again this time by the bank and am wondering where is the promise of zero responsibility for fraudulent charges that were promised to me which were one of the main reasons I applied for this credit card in the first place. All I can say after being subjected to some very brutal treatment by Chase Bank and their Fraud Prevention Department and their total lack of compassion for their card holders that this bank does not deserve my business and respect.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 1, 2021

    Beware of the horrible Chase support of transactions disputes. That's non-existance. They DO NOT protect their customers from unintended charges from merchants, fraudulent charges, malpractice transactions from merchants. My merchant charged me $165 for plan which I never signed up for. I submitted my dispute within 2 months. Chase refused to dispute the transaction. They made up their own policy on spot to drift you away. Rather than resolving the issue, they will simply blame you (customer) for the transaction and never refund you the money charged on card. I had amazing experience from other popular credit cards like Discover which protected customers from all kinds of malpractice transactions. AVOID chase credit cards!

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 31, 2021

    Based on the recent business decisions I will no longer do business with Chase as they now pose a reputational risk. Their decision to cancel the account of a 3 star general who is a great American is disgusting. The reason they gave was that doing business with him posed a "reputational risk." That decision makes doing business with Chase a reputational risk to all Americans!! What's next, Chase? Cancelling all military personnel's cards?

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 18, 2021

    35 minutes and talking to 4 people, repeatedly giving the same info to all of them, and I still could not get the code to change and reset my password to log in because of a dated phone number on their records. I'm 74 and have moved countless times and never had a horrible customer experience like this one. B of A allowed me to change my address online. I am trying to cancel my Chase card but can't pay the final bill online because I still can't log in! They obviously do not want telephone contact with customers and it shows. Date of call 8-17-2021.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: July 5, 2021

    American Airlines charged my Chase Freedom card and collected $591.62 for domestic flight charges that my family was denied a ticket to board a flight we paid for and booked 2 months prior. We were told by Chase the charges were too old to be disputed and it was a good charge despite American Airlines cancelling our ticket. We paid the Chase bill and received confirmation and receipt for our flight at the time of booking. However, once we went to check in we found out American Airlines cancelled our flight and did not email or contact us. We were denied a ticket we paid for at booking through Chase 2 months prior to the flight and no seats left on the day of flight. Chase says the charges were too long ago to be disputed and will not refund us. American Airlines cancelled and did not tell their own American Airlines booking agent or us of a cancellation. Will never do business with Chase or American Airlines again!

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 10, 2021

    Calling customer "service" to dispute my denied fraud claim was a futile, frustrating waste of time. I called several times over three consecutive days trying to reach someone who could help me. Each time I called, I was transferred to a new person who had a new reason for being unable to help me. In total, I spent a few hours trying to escalate the decision or find someone who could help me. All to no avail. I finally gave up. Chase and the vendor have my money for a product I never bought. Now that's the fraud. Frankly, I have rarely seen such poor customer service. I have been a Chase card customer for over ten years but based on this experience, I am unlikely to use my Chase card again.

    Be the first one to find this review helpful
    Loading more reviews...

    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