Best Chase Credit Cards For September 2021
The right Chase credit card for you is the one that matches your lifestyle and spending habits.
To figure this out, start by deciding whether you want cash back or travel rewards. Cash back cards are best if you want your credit card rewards to be as easy as possible or if you don’t travel as often. Travel rewards cards generally offer more value for frequent travelers. If you take at least two or three trips a year, it’s worth looking at the Chase Travel Cards.
Once you’ve decided what type of Chase card you want, here’s how to compare credit cards and choose the right card.
Choosing a Chase Cash Back Card
Chase has two consumer cash back cards, and they’re two of the best you can find: the Chase Freedom Unlimited® and the Chase Freedom Flex℠. These cards have very similar cash back rates. Both offer 5% on travel purchases through Chase Ultimate Rewards, 3% on meals, and 3% on drugstore purchases. There is one key difference:
- The Chase Freedom Flex℠ earns 5% back on up to $ 1,500 in combined purchases in the bonus categories you activate each quarter. He earns 1% on all expenses in the non-bonus category.
- The Chase Freedom Unlimited® does not have these rotating bonus categories, but it earns 1.5% on spending in non-bonus categories.
It all comes down to whether the cardholder prefers the rotating bonus categories where you can earn 5% cashback or an additional reward with a 1.5% rate on regular purchases.
The Chase Freedom Unlimited® is also a Visa card, while the Chase Freedom Flex℠ is a Mastercard. But this is usually not a deciding factor when it comes to bonus point opportunities.
Note that these are two credit cards with no annual fee. If you want to get both to maximize your cash back, it won’t cost you any additional fees. There are also more cash back cards available if you’re open to a Chase business credit card.
Choosing a Chase Travel Card
Chase offers many travel cards, including cards from its Ultimate Rewards program, airline credit cards, and resort credit cards. Again, this helps narrow down your options. Decide if you want an Ultimate Rewards card or a card linked to a specific airline or hotel.
Ultimate Rewards cards are best suited for travelers who are not loyal to any particular airline or hotel chain. Since there are many ways to book travel with Ultimate Rewards points, you can use your rewards for just about any trip you take. There are two Ultimate Rewards travel cards for consumers. The Chase Sapphire Preferred® card is the most affordable option. The Chase Sapphire Reserve® is much more expensive, but it also has a lot more benefits that could be valuable if you travel multiple times a year.
If you usually travel with the same airline or stay at the same hotel, you may want a card with that travel provider. Chase is a partner of several airlines and hotels. Some of them have a credit card available with Chase, while others have multiple credit cards for you to choose from.