10 Best Credit Cards for Chase Bays of October 2026
Top picks for Chase Bays from our scoring engine.
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, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Chase Bays. Order can differ from that column because ranking adds the adjustments above.
Chase Sapphire Reserve earns the top spot for Chase Bays purchases at 1.8¢ per dollar on all other — a $795 annual fee. We ranked every card in our database against Chase Bays purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Chase Sapphire Reserve
Chase
- +Est. $100/yr value — The Edit by Chase Travel Hotel Credit
- +Chase Sapphire Lounge by The Club
- +100,000 points bonus (~$1,800 value)
IHG One Rewards Premier Credit Card
Chase
- +Up to 190,000 points bonus in stages (~$1,080 value counts the first 180,000 points)
- +Est. $140/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Chase Freedom Rise® Credit Card
Chase
- +Automatic Upgrade Evaluation to Chase Freedom Unlimited
- +Chase Credit Journey
- +$25 statement credit bonus (~$25 value)
Why Chase Sapphire Reserve wins for Chase Bays
Chase Sapphire Reserve earns 1.8¢ per dollar on all other when you shop at Chase Bays, the highest marginal rate in our list for this brand. At 1.8¢ per dollar, rewards cover the $795 fee after about $44,170 a year in Chase Bays spending. To come out ahead of Chase Freedom Rise® Credit Card (1.5¢), you'd need about $265,000 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Shopping Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $963 | visa |
| IHG One Rewards Premier Credit CardChase | 3x IHG One Rewards | 1.8¢/$ | $150 | $140 | mastercard |
| Chase Freedom Rise® Credit CardChase | 1.5% cash back | 1.5¢/$ | $0 | $20 | visa |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.8¢/$ | $95 | $65 | visa |
| Chase Freedom UnlimitedChase | 1.5% cash back | 1.5¢/$ | $0 | — | visa |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $199.20 | mastercard |
| British Airways Visa Signature® Credit CardChase | 1x British Airways Club | 1.0¢/$ | $95 | $300 | visa |
| Marriott Bonvoy Boundless Credit CardChase | 2x Marriott Bonvoy | 1.4¢/$ | $95 | — | visa |
| IHG One Rewards Credit CardChase | 2x IHG One Rewards | 1.2¢/$ | $0 | — | mastercard |
| United Quest CardChase | 1x MileagePlus | 1.0¢/$ | $350 | $358.98 | visa |
More Options
How to maximize value at Chase Bays
- Use Chase Sapphire Reserve for Chase Bays purchases — it earns 1.8¢ per dollar on all other at Chase Bays in our scoring.
- Shopping portals sometimes offer extra rewards at Chase Bays; check current portal rates before you buy.
- Pair Chase Sapphire Reserve with IHG One Rewards Premier Credit Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Chase Bays purchase around your card's welcome offer window — Chase Sapphire Reserve's sign-up bonus is worth roughly $1800 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at Chase Bays?
- Chase Sapphire Reserve ranks #1 for Chase Bays in our list at 1.8¢ per dollar on all other (including Chase Bays) — $795 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Chase Bays?
- Shopping portals sometimes offer extra rewards at Chase Bays; check current portal rates before you buy.
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