Chase Credit Cards – What You Need to Know in 2025

If you’re scrolling through endless credit card offers, Chase usually shows up near the top. That’s because they have a mix of travel, cash‑back, and low‑interest cards that appeal to many folks. This guide breaks down the most popular Chase cards, the key benefits, and the pitfalls you should watch out for.

Top Chase Cards and Their Core Features

First up, the Chase Sapphire Preferred. It’s a travel‑focused card with 2 × points on dining and travel, a solid sign‑up bonus, and a $95 annual fee. If you travel often, the points convert well to airline miles and you get travel protection benefits.

Next is the Chase Freedom Unlimited. This one earns 1.5 % cash back on everything, plus higher rates on travel and dining. No annual fee makes it a good starter card, and the cash‑back can be turned into points for travel if you like.

The Chase Freedom Flex adds rotating 5 % categories each quarter (like groceries, streaming, or gas). You still get the base 1 % on other purchases and the same travel bonus as the Unlimited card. The fee‑free structure keeps it cheap, but you need to remember the quarterly categories to get the most out of it.

How to Pick the Right Chase Card for You

Start by thinking about where you spend most money. If dining and travel are your biggest buckets, the Sapphire Preferred usually beats the Freedom cards on points per dollar. If you want a simple, all‑around cash‑back card, the Unlimited is the cleanest choice.

Don’t ignore the annual fee. A $95 fee on Sapphire can be worth it if you earn enough points to offset it, but if you’re not traveling much, that fee might swallow your rewards. The Freedom cards have $0 fees, so they’re safer if you’re unsure.

Check the sign‑up bonuses. Chase often offers 60,000‑80,000 points after you spend $4,000 in the first three months. That’s a big boost, but only if you can meet the spend without stretching your budget.

Look at extra perks: travel insurance, purchase protection, and zero fraud liability are standard on most Chase cards. Some cards also give you access to the Chase Ultimate Rewards portal, where you can book travel at a discount using points.

Finally, think about your credit score. Chase tends to approve applicants with good to excellent credit (700+). If your score is lower, you might consider building credit with a secured card before applying.

To sum it up, Chase offers a card for almost every spending style. Match the card’s rewards to your habits, watch the annual fee, and make sure you can hit the bonus spend. Do a quick side‑by‑side comparison, and you’ll land on the right Chase card without the guesswork.