Best Chase Cash Back Credit Cards
These are the best products for you based on your credit.
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Best Chase Cash Back Credit Cards
Chase's cash back cards also participate in the Chase Ultimate Rewards® ecosystem — a feature many rewards enthusiasts consider especially valuable. On their own, Chase Freedom Unlimited®, Chase Freedom Flex®, Chase Freedom Rise®, Ink Business Unlimited® Credit Card, and Ink Business Cash® Credit Card offer competitive cash back rewards. When paired with an eligible premium card, rewards can be combined and transferred to airline and hotel partners, potentially increasing the value of those rewards compared with redeeming them for cash back.
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 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 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
About Chase Cash Back Cards:
For many households, the Chase Freedom Unlimited® is the core everyday card. 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. The Chase Freedom Flex® offers 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, helping cardholders earn elevated rewards across a wider range of spending.
Business owners can use a similar strategy with Ink Business Unlimited® Credit Card, which earns1.5% cash back on every purchase made for your business, and Ink Business Cash® Credit Card, which offers elevated rewards on eligible business spending categories. Pairing either card with Ink Business Preferred® Credit Card unlocks access to Chase's airline and hotel transfer partners, creating a flexible rewards strategy for businesses with a variety of spending needs.
Frequently Asked Questions:
Is Chase Freedom Unlimited® really 1.5% cash back on everything?
Yes. While Chase Freedom Unlimited® earns higher rewards rates in certain categories. 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 .
How do Chase Freedom Flex® rotating 5% categories work?
Chase Freedom Flex® earns 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. Chase announces the eligible 5% bonus categories each quarter, and cardholders must activate them to earn the higher rewards rate.
Can I transfer Chase Freedom Unlimited® cash back to airlines?
Not directly. If you also hold an eligible premium Chase Ultimate Rewards® card, such as Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred®, you can combine your Freedom rewards into that account and transfer points to participating airline and hotel loyalty programs.
Which Chase card has the best cash back welcome offer?
Chase welcome offers change regularly. Chase Freedom Unlimited® and Chase Freedom Flex® frequently feature introductory bonuses for new cardholders, while Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card often have some of the largest welcome bonuses among Chase cash back cards.
Does Chase Freedom Rise® work for people new to credit?
Yes. Chase Freedom Rise® is designed for applicants with limited credit history and earns 1.5% cash back on all purchases. It's a reasonable starter card that also gives you a foot in the Chase ecosystem for future upgrades.
