Best Chase Credit Cards - October 2026

• Earn up to 115,000 bonus points. Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
• $195 Annual Fee
• Enjoy automatic Aeroplan 25K Status with benefits such as Priority Check-In, Priority Boarding (Zone 2), Additional Baggage Allowance, Star Alliance Recognition and eUpgrade Credits.
• Earn up to 5X total points for each dollar spent on Air Canada purchases: 3X points with your card, plus 2X points from Air Canada as an Aeroplan 25K member. Earn 3X points on travel purchases.
• Earn 2X points for each dollar spent at grocery stores, on dining at restaurants, and at gas stations. Through December 31, 2026, grocery store and dining purchases earn 3X points. Earn 1X point for each dollar spent on all other purchases.
• Up to $100 in Air Canada statement credits (delivered as up to two $50 credits semi-annually).
• Save 15% on eligible Air Canada flight redemptions as a cardmember.
• Free first checked bags on Air Canada flights for the cardmember and up to eight people on the same reservation.
• No foreign transaction fees.
• The new cardmember bonus is not available to current cardmembers, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.
• Member FDIC

• 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, select streaming services and online groceries, 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℠.
• Receive up to a $120 application-fee credit every four years for Global Entry, TSA PreCheck or NEXUS, subject to the qualifying payment conditions.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/29. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Gas stations, EV charging and eligible vacation-home purchases at participating brands earn 3 points per dollar. The first $100 in Chase Travel hotel purchases covered by the annual credit does not earn points. The card is unavailable if you currently have it open; a previous account or bonus may affect bonus eligibility.

Purchase APR

The variable purchase APR is 19.49% to 27.74%, depending on creditworthiness and the issuer’s terms. It varies with the U.S. Prime Rate. This is not an introductory 0% rate.

Sources checked October 25, 2026: Chase Sapphire Preferred benefits, Chase rates and fees.

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Unlimited 5% total cash back on travel purchased through Chase TravelSM.
• No Foreign Transaction Fees & includes Trip Cancellation/Trip Interruption Insurance.
• Only business credit card with 2.5% cash back on every purchase of $5,000+.
• Pay In Full each month but Flex for Business feature lets qualifying purchases be paid over time with interest.
• Fraud Protection, Zero Liability, Purchase Protection, Cell Phone Protection, Extended Warranty Protection.
• Employee cards at no additional cost (monitor spend with digital tools).
• Member FDIC

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, 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.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

• Earn 100,000 bonus points after $8,000 in purchases in the first three months from account opening. At one cent per point, 100,000 points represent $1,000 in cash back.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
• The base redemption rate in Chase Travel is one cent per point. The value and availability of Points Boost offers vary by card and booking; check the value displayed for your account.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

• Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get $3,000 in annual value with Sapphire Reserve.
• 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.
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass^™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years.
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
• Member FDIC

• Up to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first authorized user within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.
• Earn 12 points per $1 at IHG Hotels & Resorts (up to 28 total points per $1 with your IHG One Rewards member and elite earnings).
• Earn 6 points per $1 on dining and other travel, including rideshare. Earn 3 points per $1 on all other purchases.
• Anniversary Free Night each year (redemption cap of 60,000 points), plus a second Free Night after $40,000 in purchases in a calendar year.
• Automatic Platinum Elite status and 20 Elite Night Credits each year; Diamond Elite status after $25,000 in purchases in a calendar year.
• A $200 airline statement credit per calendar year requires one eligible purchase of at least $250 in flight tickets booked directly with the airline, under the offer through December 31, 2027. IHG Food & Beverage Reward vouchers of up to $75 are issued each calendar quarter and expire at that quarter’s end; each is single use and unused value is lost. Eligible hotel-room-bill charges only. Global Entry, TSA PreCheck or NEXUS reimbursement is up to $120 every four years, subject to eligible application-fee purchases.
• $350 annual fee. No foreign transaction fees.

• Earn up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding an employee authorized user in the first 3 months. Separately, earn 2,000 PQP after the same $5,000 spending requirement. PQP are not redeemable miles.
• $150 Annual Fee.
• Earn 8x total miles on eligible United flights: 2x from the card on the entire eligible United purchase, plus 6x from MileagePlus on the primary cardmember’s fare. Different rates apply to Basic Economy or base option tickets; Premier members earn more.
• 2x miles on all other eligible United^® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
• Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United^® credit card.
• Enjoy a free first checked bag – a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• NEW! Save 10% or more when booking flights with miles. Premier members save even more.
• Member FDIC

• Up to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first employee card within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.
• Enjoy an Anniversary Free Night (redemption cap of 50,000 points) at IHG Hotels & Resorts, plus a second Free Night after $60,000 in purchases in a calendar year. Fourth reward night free on consecutive four-night award stays.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 10 points per $1 from the card on eligible IHG purchases, plus up to 16 from eligible IHG membership and Platinum status earnings for up to 26 total; some brands earn less. Earn 5 points per $1 on dining, eligible search/social advertising and gas stations. Travel and office-supply-store purchases earn 5 through December 31, 2026; from January 1, 2027, only directly purchased airline tickets and car-rental agencies retain the travel accelerator, while other travel and office supplies earn 3. All other purchases earn 3 points per $1. The issuer posting date, including merchant delays, determines eligibility. The calculator uses only card points and weights the remaining promotional days over twelve months from its reference date. Enter direct airline/car-rental and IHG hotel purchases separately and count each purchase once.
• Automatic Platinum Elite status, plus 15 Elite Night Credits each year; Diamond Elite status after $50,000 in purchases in a calendar year (from January 1, 2027)
• A $100 airline statement credit per calendar year requires one eligible purchase of at least $250 in flight tickets booked directly with the airline, under the offer through December 31, 2027. Up to $100 in eligible Expensify credits per calendar year. IHG Food & Beverage Reward vouchers of up to $25 are issued each calendar quarter and expire at that quarter’s end; each is single use and unused value is lost. Eligible hotel-room-bill charges only. Global Entry, TSA PreCheck or NEXUS reimbursement is up to $120 every four years, subject to eligible application-fee purchases.
• $200 annual fee. No foreign transaction fees.
• Member FDIC