Best Chase credit cards of June 2026

If you're looking to earn rewards, save on interest, simplify business expenses or travel with points, there's a Chase credit card for you.

Chase has a lot to offer its cardholders, including the valuable Chase Ultimate Rewards® travel program (which, depending on the card, lets you book flights, hotels and more for elevated value).

Below, CNBC Select breaks down the best Chase credit cards across various categories — from cash back to no-annual-fee to co-branded airline cards.

Compare credit repair options

Who's this for? The Chase Freedom Unlimited® is a good option if you don't want to pay an annual fee and prefer a simple rewards structure. It earns at least 1.5% cash back on every purchase (and features a generous welcome bonus).

Standout benefits: On top of its cash-back categories, the Chase Freedom Unlimited offers an intro APR on purchases and balance transfers. Plus, the card technically earns rewards in the form of Chase Ultimate Rewards® points, unlocking the option to book travel through Chase.

Who's this for? The Chase Freedom Flex® is worth considering if you want to maximize cash back with rotating bonus categories (activation required). If you're curious where you can earn each quarter, our Chase Freedom 5% cash-back calendar highlights the 2026 bonus categories so far.

Standout benefits: Beyond rewards, you can take advantage a competitive intro APR period on purchases and balance transfers and useful shopping protections. There's even a cell phone protection benefit ($50 deductible per claim).

Who's this for? The Chase Sapphire Preferred® Card is the perfect fit if you want full access to Chase's competitive travel rewards program (including transfer partners) and a higher rewards value on travel redemptions — for a reasonable $95 annual fee.

Standout benefits: The Sapphire Preferred allows you to transfer your Ultimate Rewards® points to Chase's airline and hotel partners, including United MileagePlus, British Airways Executive Club, World of Hyatt, Marriott Bonvoy and more. Plus, with the Points Boost feature, your points are worth up to 1.5X on select flights and hotels booked through Chase.

Who's this for? The Chase Sapphire Reserve® is the souped-up version of the Sapphire Preferred, with higher rewards rates in overlapping categories and premium perks like airport lounge access.

Standout benefits: With the Chase Sapphire Reserve, you'll receive a $300 annual statement credit each account anniversary year for qualifying travel expenses, such as airfare, hotels, tolls and more. There are numerous other statement credits and perks, alongside extensive travel protections.

Who's this for? The Chase Freedom Rise® is considered a credit-building card, meaning you can get approved with no credit history or a less-than-stellar credit score. It can also work well for students.

Standout benefits: You can increase your chances of card approval if you open a Chase bank account and deposit at least $250. And unlike many other credit-building cards, you earn 1.5% cash back on all purchases.

Who's this for? You can simplify your small business expenses and get rewarded at the same time with the no-annual-fee Ink Business Cash® Credit Card. This business credit card earns cash back across various spending categories and is exceptionally rewarding for common business purchases.

Standout benefits: The Ink Business Cash Credit Card offers an intro APR on purchases that could be helpful if your business needs to finance upcoming expenses, and you can add employee cards at no additional cost. Plus, similar to the Freedom Unlimited, the card technically earns valuable Chase Ultimate Rewards® points.

Who's this for? The Ink Business Preferred Credit Card is ideal for business owners who want to earn transferable Ultimate Rewards® points on their business expenses for a reasonable $95 annual fee.

Standout benefits: With the Ink Business Preferred, you'll earn 3X points on the first $150,000 spent in combined purchases across various travel and business-related categories each account anniversary year (then 1X points). Just like the Ink Business Cash, you can add employee cards for free, and the card currently features a heightened welcome bonus.

Who's this for? The Chase Sapphire Reserve for Business is Chase's premium business credit card geared toward business travelers seeking luxury perks and heightened rewards on travel purchases.

Standout benefits: The Sapphire Reserve for Business earns up to 8X points on Chase Travel^SM purchases, including The Edit^SM, offers over $3,000 in annual value through travel and business benefits and gets you complimentary access to both Priority Pass^TM airport lounges and any Chase Sapphire Lounge® by The Club network. 

Who's this for? If you frequently shop on Amazon (and who doesn't), the Prime Visa earns 5% cash back on all purchases at Amazon.com, Amazon Fresh and Whole Foods (as long as you have a Prime membership).

Standout benefits: As a new cardmember welcome bonus, the Prime Visa offers a $150 Amazon Gift Card instantly upon approval (exclusively for Prime members). You can also earn 2% cash back at gas stations, restaurants and on local transit and commuting (including rideshares).

Who's this for? The Southwest Rapid Rewards Plus Credit Card could be a good fit if you fly Southwest with some frequency, but don't want to pay a large annual fee for a more premium airline credit card.

Standout benefits: Alongside rewards on Southwest Airlines purchases and a few everyday categories, the Rapid Rewards Plus offers free checked bag perks, 3,000 points every cardmember anniversary year, a 10,000 Companion Pass^® qualifying points boost each year and more.

Chase typically doesn't publish minimum credit score requirements, and each card has its own approval prerequisites. In general, you'll need to have good or excellent credit (or a FICO Score 670 or higher) to be approved for its top cards. There are other factors Chase considers as well, including income and your relationship with the bank.

You should also take into account the (unofficial) Chase 5/24 rule, which states you may not be approved for a new Chase card if you've opened five or more cards across any issuer within the past 24 months.

Chase welcome bonus rules

If you're interested in the Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Sapphire Reserve for Business, note that Chase added a once-per-lifetime welcome bonus limitation.

Outside of this rule, you may be ineligible for a welcome bonus with the Sapphire Preferred or Reserve if you:

• Currently own another consumer Sapphire card
• Used to own the version of the card you're applying for
• Previously earned a welcome bonus with the version of the card you're applying for

For the Sapphire Reserve business, Chase notes on its site, "We may also consider factors pertinent to your business in determining your bonus eligibility." You can learn more with our guide to Chase Sapphire welcome bonus eligibility rules.

Picking the right Chase card largely comes down to the card's annual fee and the type of rewards you want to earn.

Annual fee

The annual fee for a Chase credit card ranges from $0 to $795, so it's important to understand what you're committing to before you apply. No annual fee cards are great starter credit cards because you typically won't have a long list of benefits you need to maximize to make it worth it. However, for frequent travelers, a luxury card can be worth it's high annual fee because the benefits can provide more value than what you pay to have the card.

Cash back vs. points

Cash back is the most straightforward type of credit card rewards. It's a great option for anyone who wants simplicity because there are fewer redemptions and the value is relatively fixed. With cash back, you don't need to spend time figuring out how to get the most value.

Travel rewards, such as points or miles, give you an opportunity to unlock value that is out of reach for the typical cash-back card. By leveraging the best Chase Ultimate Rewards transfer partners, you may be able to receive 2X, 3X or more value per point compared to a cash-back redemption. The downside is that these deals can be more complicated to find and book.

Co-branded vs. flexible travel rewards

Chase issues a variety of general travel credit cards that earn Chase Ultimate Rewards points and it also has partnerships with several travel brands. Chase issues co-branded credit cards for Hyatt, United Airlines, Marriott, Southwest and more.

Co-branded credit cards not only earn points or miles within that loyalty program, but also provide other perks that can be extremely valuable. You may have the opportunity to earn elite status without flying with that airline or staying at that hotel chain. Plus benefits like free checked bags, award discounts and credits can make the cards worth holding onto.

Earning Chase points is ideal if you prefer to price shop and aren't extremely loyal to a single hotel chain or airline. While you'll miss out on brand-specific perks, you can more than make up for that with the flexibility to cherry-pick deals by transferring points to any Chase travel partner.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Chase credit cards.

To determine which Chase cards offer the best value, CNBC Select compared each Chase card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees.

We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).

Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash back. 

We considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and X to stay up to date.

We may earn commissions from qualifying purchases made through Amazon links.