Best Chase Credit Cards of September 2026
These are the best products for you based on your credit.
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Best Chase Credit Cards of September 2026
Chase runs one of the most valuable travel and cash back ecosystems in the industry: Chase Ultimate Rewards. Points earned across the Freedom and Sapphire personal cards, plus the Ink Business family, can be pooled and transferred to premium airline and hotel partners. Below, compare Chase's full consumer and business card lineup so you can build the right stack for your spending.
Chase Freedom Unlimited®
on Chase's secure site
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
- 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
- $0
- Excellent/Good
Chase Sapphire Preferred® Card
on Chase's secure site
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and 3x online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel.
- $95
- Excellent, Good
Chase Freedom Flex®
on Chase's secure site
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
- 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable.
- $0
- Excellent/Good
Chase Slate®
on Chase's secure site
- 0% Intro APR for 21 months on purchases and balance transfers
- 18.24% - 28.24% Variable APR
- With Chase Credit Journey®, get access to your credit score, identity monitoring, and receive customized score improvement plans from Experian™ – all for free.
- $0
- Excellent/Good
Chase Sapphire Reserve®
on Chase's secure site
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
- Access to 1,300+ airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- $795
- Excellent
Ink Business Unlimited® Credit Card
on Chase's secure site
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
- Unlimited 1.5% cash back on every purchase made for your business
- 0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
- $0
- Excellent/Good
Ink Business Cash® Credit Card
on Chase's secure site
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
- Up to 5% cash back on select purchases
- 0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
- $0
- Excellent/Good
Chase Freedom Rise®
on Chase's secure site
- Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
- 1.5% cash back on all purchases
- Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card.
- $0
- New to Credit
Sapphire Reserve for Business℠
on Chase's secure site
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27. Earn 4x points on flights & hotels booked direct. Earn 3x points on social media & search engine advertising. Earn 1x points on all other purchases.
- Get up to $300 in statement credits each anniversary year on travel purchases.
- $795
- Good, Excellent
Ink Business Preferred® Credit Card
on Chase's secure site
- Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
- No foreign transaction fees and receive complimentary access to DashPass by DoorDash.
- $95
- Excellent/Good
Learn More About Chase Credit Cards:
The most common Chase setups pair a no-fee Chase Freedom Unlimited® or Chase Freedom Flex® with a fee-paying Chase Sapphire Preferred® Card ($95) or Chase Sapphire Reserve® — the premium Sapphire card unlocks transfer partners for all points in your household. For business owners, the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card pair similarly for high-earning no-fee cash back, with Ink Business Preferred® Credit Card unlocking transfers.
Chase's 5/24 rule is worth noting: if you've opened 5 or more credit cards (from any issuer) in the past 24 months, Chase will typically decline new card applications. Plan your application order carefully if you're building a broader rewards setup across multiple issuers.
Frequently Asked Questions:
What is the Chase 5/24 rule?
Chase’s unofficial but widely reported 5/24 rule may affect approvals for new Chase cards. In general, applicants who have opened five or more personal credit cards across any issuer within the past 24 months could have difficulty qualifying, regardless of credit score. Business cards from many issuers typically do not count toward 5/24.
Can I combine Chase Ultimate Rewards points across cards?
Yes. Points from multiple Chase cards can be pooled in a single Ultimate Rewards account. You can also transfer points to a household member who has an eligible premium Chase card - a common strategy for maximizing the value of a shared account setup.
What credit score do I need for a Chase credit card?
Chase rewards cards generally target applicants with good to excellent credit, often considered a FICO score of 690 or higher. Premium cards like the and typically favor applicants with stronger credit profiles, while cards in the Freedom lineup may be more accessible for those with established good credit.
Does Chase let you pre-qualify without a hard inquiry?
Yes. Chase may offer pre-qualified or pre-approved offers through its website using a soft credit check, which does not affect your credit score. These offers can help show which Chase cards may align with your credit profile, although final approval is not guaranteed.
How do I transfer Chase points to airlines and hotels?
Certain premium Chase Ultimate Rewards cards unlock access to airline and hotel transfer partners. Cardholders can typically combine points earned across eligible Chase cards and transfer them to participating travel loyalty programs.
