Chase Bank is one of the largest financial institutions in the USA. They serve almost half of the US population with their products. Chase offers a variety of products such as Chase rewards credit cards, checking accounts, ATMs, Debit cards, mortgages, loans, and other financial products. JP Morgan Chase and Company is the parent company of Chase Bank.
Chase offers a number of Rewards credit cards. They also offer co-branded credit cards with Marriott Bonvoy, United, Southwest, and Air Canada airlines. Chase also offers co-branded credit cards with Amazon. Finally, to know more about shopping credit cards read our post.
Chase Rewards Credit Cards Advantages and Offerings
Chase Rewards offer a number of advantages to credit card members. Some of these include.
- Zero Liability Protection
Chase Rewards credit card offers zero liability protection. Members are not responsible for any unauthorized charges made with their card or account information. They have to call Chase Credit cards to report any theft or loss of the credit card.
- Purchase Protection
This card also offers Purchase Protection for new purchases for 120 days. Any new purchases made on the card are covered for $500 of theft or damage claim. Every account is covered for a sum of $50,000.
- Auto Rental Collision Damage Waiver
Chase Rewards card offers Auto rental collision damage waiver. Members have to decline the rental company’s collision insurance to qualify. They need to charge the entire rental cost to their card to qualify for the damage waiver claim. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to personal insurance.
- Extended Warranty Protection
Chase Rewards credit card extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less. This is nifty for new purchases, especially for electronics and appliances.
- Trip Cancellation
Further, Chase credit card offers Trip Cancellation and trip interruption Insurance. To be eligible for this travel insurance the purchase must be made on the Chase Freedom Unlimited credit card. Although, the maximum reimbursement is up to $1,500 per person. There is also a $6,000 per trip restriction. To qualify, trips should be all pre-paid, non-refundable passenger fares.
Chase Rewards Credit Cards List
Herein, we will review the current Chase Rewards credit cards for their offers.
Chase Freedom Unlimited credit card
Fees: This credit card charges $0 in annual fees.
Intro Rewards: Cardmembers can earn a $200 bonus after they spend $500 on purchases in the first 3 months from account opening. They can also earn 5% cash back on grocery store purchases up to $12,000 spent in the first year. This offer excludes purchases at Target and Walmart. This amounts to a saving of $600 on everyday grocery purchases. Furthermore, this card offers an introductory 0% APR for 15 months on balance transfers and purchases.
Rewards: Cardmembers earn cashback of 1.5% for every purchase. Apart from this cashback, they can also win 3% cash back on dining and drugstore purchases. Dining rewards are available for dining at restaurants, takeout, or even delivery from restaurants. Members can win 5% cash back on travel bookings through Chase Ultimate Rewards.
In a nutshell: The Chase Freedom Unlimited Credit card is one of the best rewards cards in the market with $0 annual fees. It offers a flat 1.5% cashback on most purchases. It also offers additional cashback on other categories such as travel, grocery, drugstores, and dining out. Finally, this card is a 0% introductory APR credit card. It offers this 0% APR for 15 months.
Chase Freedom Flex Credit Card
Fees: Chase Freedom Flex credit cards charge $0 in joining and annual fees
Intro Rewards: This credit card offers a $200 bonus on a spend of $500 in the first three months of the card approval. It offers a 0% introductory APR for 15 months on balance transfers and purchases.
Rewards: Freedom Flex offers 5% cash back on purchases from grocery stores, gas stations, and select online merchants. Further, it also offers 5% cash back on travel purchased through Chase Ultimate Rewards
In a nutshell: Chase Freedom Flex Card offers excellent rewards on everyday purchases categories. For example, groceries, gas, and online merchants. It also offers 5% cash back on travel through Chase Ultimate Rewards. This card also offers a 3% cash back on dining at restaurants and drugstore purchases. For the other purchases, there is a cashback of 1%.
Cash back never expires on this card. This card also offers Zero Liability protection and purchase protection. Further, other additional offers and benefits are available from Mastercard.
Chase Sapphire Preferred Card
Fees: Annual fee of $95 and a 3% introductory balance transfer fee which increases to 5% of the balance transfer fee
Intro Rewards: 60,000 bonus points after the card member spends $4,000 on purchases in the first 3 months of the new card opening. These bonus points are worth $750 when redeemed for travel through Chase Ultimate Rewards.
Rewards: This credit card offers $50 statement credits every anniversary year for hotel stays purchased through Chase Ultimate Rewards. This card also offers 5x total points on all travel purchased through Chase Ultimate Rewards. Card members can also earn 2x points on airfare, hotel booking, and taxis. Card members can earn 3x points on eligible online grocery purchases and on dining and takeout from restaurants.
In a nutshell: Chase Sapphire Preferred is a great travel rewards credit card. Read more to know more about the best travel credit cards. The best part about this credit card is the bonus anniversary points. Each anniversary year the card member is eligible for 10% of bonus points of the total spent in the last year. If a customer made a purchase of $10,000 in a year, they are eligible for 1,000 bonus points. This card offers discounts or membership benefits from several other companies like Doordash, Instacart, Lyft, etc.
Amazon Prime Rewards Visa Credit Card
Fees: $0 with a valid Amazon Prime membership
Intro Rewards: Card members earn a $150 welcome Amazon Gift Card upon approval of a new credit card.
Rewards: Further, members earn 5% back in rewards on Amazon.com and Whole Foods Market. They also earn 2% rewards in restaurants and gas stations. Finally, they receive 1% reward on the rest of their purchases.
In a nutshell: Firstly, this card requires the card members to have a valid Amazon Prime membership. This is good for existing card members. The current cost of the Prime membership is $39 per month. Chase and Amazon also offer another credit card Amazon Rewards Visa Card. The card doesn’t require a Prime membership but it also offers lower rewards.
Card members can redeem the cashback on Amazon.com or they can select to redeem it for gift cards, travel, or dining deals on Chase Rewards. Finally, this card offers the card members complimentary Visa Signature Concierge Service 24 hours a day.
Chase Freedom Student Card
Fees: This card has no annual fee.
Intro Rewards: Card members earn $50 bonus on making the first purchase within 3 months of card opening.
Rewards: Chase Freedom offers very little incentive to users. For instance, it offers a measly 1% cashback on all purchases. On the other hand, the main advantage of this card is the high acceptance rate for students. Chase Freedom Student Card provides free access to credit scores as well.
In a nutshell: No credit score is required to apply for this card. This is a good starter credit card to build credit over time. This card rewards making timely payments by increasing the credit limit. They also provide a good standing reward of $20 each anniversary year for 5 years.