Top 4 Chase Credit Cards of 2019

Top 4 Chase Credit Cards of 2019

May 19, 2016         Written By Bill Hardekopf

The credit card industry is extremely competitive with issuers trying to appeal to potential cardholders by offering attractive perks, introductory bonuses and interest rates. If you are looking for a new credit card, the nation’s largest bank, Chase, has a number of attractive options. Here are four of the top Chase cards of 2019.

Chase Freedom Unlimited℠

Chase Freedom UnlimitedThe Chase Freedom Unlimited is a wonderful cash back card, especially for those consumers who do not want to keep track of rotating bonus categories that they have to register for each quarter. The Freedom Unlimited card has an attractive cash back structure on all purchases, especially in the first year of card membership. New customers will receive 3% cash back on their first $20,000 in purchases during year one; then an unlimited 1.5% cash back on all purchases after the initial spend of $20,000 in your first year. New applicants also receive a 0% APR for 15 months on both new purchases and balance transfers, with a 3% balance transfer fee or $5, whichever is greater. Once the promotional financing rate expires, the standard interest rate of 17.24% to 25.99% applies, depending on your creditworthiness. Cardholders receive their credit score for free which is updated weekly with Credit Journey℠. There is no annual fee for this card.

Chase Sapphire Preferred® Card

Chase Sapphire PreferredThe Chase Sapphire Preferred is one of the top travel cards in the credit card industry. Benefits include 60,000 bonus points when you spend $4,000 on purchases in the first three months of opening your account which is the equivalent of $600 in cash or $750 when redeemed through Chase Ultimate Rewards. You’ll also get 24/7 customer service, which allows you to talk to a real person whenever you’d like. Cardholders receive one point for every dollar spent, and two points on travel and restaurant dining, which makes the card a very solid option for those who do a lot of traveling. In addition, the card has no foreign transaction fees, and offers 1:1 point transfers on participating travel programs. The card has an APR of 18.24% to 25.24% depending on your creditworthiness. The Chase Sapphire Preferred card has a $95 annual fee.

Chase Sapphire Reserve®

Some people may be spooked by the $450 annual fee on the Chase Sapphire Reserve card but the benefits can more than make up for that fee. Cardholders receive a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. In addition, you receive up to $100 application fee credit for Global Entry or TSA Pre✓®. New cardholders will receive 50,000 bonus points after spending $4,000 on purchases in the first three months from account opening, which is the equivalent of $750 toward travel if it is redeemed through Chase Ultimate Rewards®. You will earn 3X points on travel immediately after earning your $300 travel credit and 3X points on dining at restaurants, as well as 1 point per $1 spent on all other purchases. If you travel extensively, this card has some additional value: there are no foreign transaction fees when using the card and you will have access to 1,000+ airport lounges worldwide after enrolling in Priority Pass™ Select. The card was named the “Best Premium Travel Credit Card” for 2018 by MONEY® Magazine.

Chase Freedom®

If you are looking for a solid credit card and have good or excellent credit, then you may want to consider the Chase Freedom card. The card has a number of attractive benefits, including no annual fee and a 0% APR for the first 15 months of card ownership on both purchases and balance transfers. That introductory APR rate makes the Chase Freedom card very appealing to those who are going to make a large purchase in the first few months of opening an account. After those first 15 months, the card’s APR shifts to a 17.24% to 25.99% variable rate. When you open an account with the Chase Freedom card, you’ll also earn a $150 bonus after you make $500 in eligible purchases in the first three months. The rewards program is fairly significant, as you will get 1% cash back on all eligible purchases, and 5% back on purchases in revolving categories each quarter, up to $1,500 in combined purchases. The biggest issue with the card is the balance transfer fee of 5%; that fee can be lowered to 3% if the balance transfer is made within the first 60 days of being a card member. If you are looking for a versatile credit card with a great introductory offer, then consider the Chase Freedom card.

The information contained within this article was accurate as of May 19, 2016. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
View all posts by Bill Hardekopf
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