Best Chase Credit Cards of 2026
Every Chase card ranked by real value — earn rates, fees, and benefits compared.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Chase Sapphire Preferred Card
Chase
1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar
- +1x — points worth 1.8¢ each
- +Annual fee $95. Other listed credits: Global Entry, TSA PreCheck or NEXUS Credit (up to $120/4yr); $100 Annual Hotel Credit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +75,000 points bonus (~$1,350 value)
VISA
1.8¢
per dollar
$95/yr
Welcome: 75,000 points
Runner-Up
IHG One Rewards Premier Credit Card
Chase
3x IHG One Rewards
3x × 0.6¢/pt = 1.8¢ per dollar
- +3x — points worth 0.6¢ each
- +Annual fee $150. Other listed credits: $100 Airline Statement Credit (up to $100/yr; requires $250 eligible spend within 12 months); Up to $100 Annual IHG Food and Beverage Rewards (up to $25/qtr); Global Entry, TSA PreCheck or NEXUS Statement Credit (up to $120/4yr); Up to $50 United TravelBank Cash Each Year (up to $25/6mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Up to 190,000 points bonus in stages (~$1,080 value counts the first 180,000 points)
MASTERCARD
1.8¢
per dollar
$150/yr
Welcome: Up to 190,000 points
Also Great
Chase Freedom Rise® Credit Card
Chase
1.5% cash back
- +1.5% cash back
- +No annual fee. Other listed credits: $10 Off Quarterly DoorDash Non-Restaurant Orders (up to $40/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +$25 statement credit bonus (~$25 value)
VISA
1.5¢
per dollar
No annual fee
Welcome: $25 statement credit
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.8¢/$ | $95 | visa |
| IHG One Rewards Premier Credit CardChase | 3x IHG One Rewards | 1.8¢/$ | $150 | mastercard |
| Chase Freedom Rise® Credit CardChase | 1.5% cash back | 1.5¢/$ | $0 | visa |
| Chase Freedom UnlimitedChase | 1.5% cash back | 1.5¢/$ | $0 | visa |
| Marriott Bonvoy Boundless Credit CardChase | 2x Marriott Bonvoy | 1.4¢/$ | $95 | visa |
| IHG One Rewards Credit CardChase | 2x IHG One Rewards | 1.2¢/$ | $0 | mastercard |
| Marriott Bonvoy Bountiful Credit CardChase | 2x Marriott Bonvoy | 1.4¢/$ | $250 | visa |
| Prime VisaChase | 1% cash back | 1.0¢/$ | $0 | visa |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | mastercard |
| Chase Freedom FlexChase | 1% cash back | 1.0¢/$ | $0 | mastercard |
More Options
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- Card StrategyDining card rewards: restaurants, delivery apps, and statement creditsDining rewards, merchant credits, and delivery perks follow separate rules. How to tell what a meal earns and whether a credit lowers what you spend.
- Card StrategyHow to build a two-card wallet without double-counting rewardsA second card needs a job. Assign each purchase to one card, count each dollar once, and compare the pair with the best single card after fees.
- Card StrategyMonthly versus annual card credits: build a calendar that follows the termsMonthly, half-year, quarterly, anniversary-year, and four-year credits each reset on their own clock. Build a benefit calendar that follows the actual terms.
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