Chase Credit Cards Review | Steps On How To Select the Right Chase Credit Card

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The Chase Credit Cards Review

Chase has a lot of good credit cards for; cash back, balance transfer, travel rewards, or small business, etc. Also, it gives lucrative rewards and signup bonus, provided you can get a card that suite you.

Best Chase Credit Card | Chase Credit Cards Review

Below are the best chase credit cards for travel reward, cash back, business and airline rewards.

The Chase Sapphire Preferred is the Best for travel rewards.

This one of the best travel reward cards which comes with a sign-up bonus and has the following rewards.
You can get 2X points on travel and dining purchase worldwide.
Chase travel portal at 25% more value.
The points gotten can be restored for travel Chase travel portal at 25% more value.
And can be transferred to airline and hotel partners at a 1:1 ratio.

Other rewards are:

However, this credit card allows you to get 60,000 bonus points when you make purchases of $4,000 and also, in every first 3 months of account opening. This is $750 when restored through Chase Ultimate Rewards. With this card, you can get 2X points on travel and dining at a restaurant and 1 point for each dollar spent on other purchases anywhere.
As mentioned earlier, the points gotten can be transferred in the ratio of 1:1 to leading regular travel program even airline transfer partners. It comes with no annual fee. Also, it gives premium travel and purchases protection benefits {not excluding auto rental collision damage waiver and trip cancellation/trip interruption insurance}.

The Chase Freedom Unlimited Credit Card is Best for cash back rewards.

This is a card which gives you 1.5% cash back for all purchases made. Using this credit card, you do not have to ponder on keeping track of and activating rotating categories.

Features of Chase Freedom Unlimited Credit Card.

  • With this credit card, you can get 3% cash back for all purchases in your first year up to $20,000 spent.
    Surprisingly it has no annual fee.
  • You are to pay no introductory APR on balance transfer and purchases for 15 months after opening your account.
  • The cash back a reward given by this credit does not expire provided your credit card account is open.
  • It gives you unlimited 1.5% cash back for all purchases.
  • It has an unsteady APR of 17.24 to 24.99%.
  • You are to pay a balance transfer fee of 3% on the amount of transferred, $5 minimum, later.
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Chase Credit Cards Review

Chase Ink Business Preferred is the  Best for Business

This a decent credit card with a large sign-up bonus and numerous rewards. It gives you 3X points on relevant business categories, like advertising, shipping, and telecom. Points get from this card can be restored for travel on the Chase travel portal at 25% more value. And can be transferred to airline and hotel partners at a ratio of 1:1. Surprisingly, you can apply for this credit card even if you sell craft on Etsy, you make side income tutorial or a freelancer.
Furthermore, with this card, you can get 80,000 bonus points when you make purchases of $5,000 on travel and you redeem through Chase Ultimate Rewards.

You receive 3 points for each dollar on the first $150,000 used for making joint purchases on shipping purchase, travel, internet, cable and phone services, advertising purchases made using social media sites and search engines after every account anniversary year.

It is interesting to note that this credit card does not ask for any foreign transaction fee but has an annual fee of $95. Lastly, you will be given 1 point for each dollar spent on other purchases, having no limit to the amount that can be earned.

Chase Southwest Preferred Rapid Rewards Premier is the Best for airline rewards.

The Southwest credit card allows you to get 40,000 points when you make purchases of in the first 3 months of account opening. This credit card demands no foreign transaction fee but has an annual fee of $99. And after your cardmember anniversary, you can earn a bonus of 6,000 points. In addition to that, you will be given 2 points for each dollar used for making purchases at Southwest and Rapid Reward hotel and car rental partner. Or 1 point for a dollar on other purchase.

Chase Sapphire Reserve is the Best for regular travel.

However, this is a credit card that allows you to get 50,000 bonuses when you make a purchase of $4,000 in the first 3 months of account opening. This, if restored through Chase Ultimate Rewards is $750. It gives you as return a $300 Annual Travel Credit, for travel purchases charged on your card per account anniversary year.

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Also, with the Chase Sapphire Reserve, you can get 3X points on travel when you must have gotten a $300 travel credit. You will be given 3X points on dining at restaurants and 1 point for each dollar spent on other purchases.

Points gotten can be transferred in a ratio of 1:1 to leading regular travel programs not excluding airline transfer partners. Though it has an annual fee of $450 yet it demands no foreign transaction fees. And it grants you access to 1,000 and above airport lounges anywhere, and quick enrollment in Priority Pass™ Select.

Chase Credit Cards Review

All You Need To Know About Applying for A Chase Card | Chase Credit Cards Review

Bear the following in mind as you apply for this credit card:

Chase 2/30 rule: According to this rule, you cannot be permitted to have more than 2 Chase cards in 30 days. So, you are to make your application for a card once a month. But this is not applicable to a Chase Business card.

Chase 5/24 rule: This rule states that you cannot be approved for a new Chase credit card if you have created 5 credit card accounts in the last 2 years.

This is applicable for the card with any bank. Though, a business card with other banks may be an exception. Continue reading so as to, see the Chase credit card that this rule has an effect on.

A good credit score is required:

The Chase credit cards need at least a good credit score. That is a credit score of up to 700 and above. But if your credit score is not up to this, just try your best to build your credit score.
Available credit limit: Note that if the credit limit offered to you by Chase is very high, you will not be approved for another. However, you can inquire from them if it can be transferred to a new credit card.

The possibility of getting a higher bonus in 90 days: Surprisingly, you will be given a greater bonus in 90 days after you must have been approved, so if you call, you will be matched to a higher bonus. Therefore you do not need to wait for a higher sign-up bonus before you apply.

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Where you can apply: Those who wish to apply for a Chase card can visit the nearest local Chase branch or the homepage of the Chase credit cards.

Checking your Application Status

To check your application status, do the following:

Use the status hotline (1-888-338-2586): The Chase card has an automated application status hotline. All you have to do is to give your social security number and you will receive your current status.

Reconsideration line (1-888-270-2127): You can contact and speak with an agent even if your application was rejected or awaiting confirmation.

Do not be rude but ask to know if you can give any other information to get your application status. Also, you should be able to explain fully, any opened credit card account and credit inquiry.

For those whose credit card application was rejected, you can try the following alternatives:
Those who have collected more than one credit card in the last 2 years may consider another issuer like the American Express or Capital One.
Those in college can apply for a student credit card.
You can consider a credit card with fair credit if you have a decent score.
But if, you have no credit, go for a secured credit card.

Steps On How To Select the Right Chase Credit Card.

You must Be mindful of the following, whenever you want to select a chase credit card of your choice.

Know Your Goal | Chase Credit Cards Review

If you are in need of cash back, just apply for any of the following; the Chase Freedom and Chase Freedom Unlimited, as these cards, help you in getting cash back reward for your purchases.

For travel rewards, you can apply for any of the Chase travel reward cards. Cards like the Chase Sapphire Preferred a good card and points gotten can be transferred to a different travel partner. Those having a strong loyalty to a specific hotel or airline should not forget that Chase has co-branded cards with IHG, Southwest, United, Ritz-Carlton, and Marriott.

To clear your debt, Chase issues cards having balance transfer APR and promotional APR.
Know your spending for each year, though, some credit card with annual fee have decent rewards but, be sure that with this rewards you can cover up for the annual fee paid.

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