There are a number of Chase credit cards within the Chase Ultimate Rewards program. The Chase Sapphire Reserve, Chase Sapphire Preferred, and Chase Ink Business Preferred earn points that can be transferred directly to its airline and hotel partners. These cards also allow you to convert cash back earned from other Chase cards into Chase points.
Chase Ultimate Rewards is 1 of 5 transferable point programs. The other programs are American Express Membership Rewards, Capital One Miles, Citi ThankYou Rewards, and Marriott Bonvoy.
One of the most important things to note about the Ultimate Rewards program is the Chase 5/24 rule. If you’ve opened 5 or more credit cards in the past 24 months, Chase will not approve you for the credit cards mentioned below. There are caveats to this rule so it’s best to do your homework before applying for any Chase credit card.
In this article, I’ll walk through the Chase credit cards that I have and how I use them. I’ll also cover the credit card that I’m looking to apply for in the future.
Personal Credit Cards
Chase Freedom
The $0 annual fee Chase Freedom credit card is one that’s been with me since I started earning points and miles. The card earns 5% cash back on up to $1,500 in spend per quarter in rotating bonus categories. The categories are for merchants like grocery stores, gas, and streaming services.
The Chase Freedom is the card I use when my spend aligns with its rotating bonus categories. In Q1, I maxed out the spend limit at gas stations, tolls, and drugstores. The Q2 bonus category of grocery stores and home improvement stores were 2 categories that I was also able to max out the spend limit.
If you have the Chase Sapphire Reserve, Chase Sapphire Preferred, and/or Chase Ink Business Preferred, you can convert the cash back that you earn into Chase points.
Chase Freedom Unlimited
Another $0 annual fee Chase credit card that I have is the Chase Freedom Unlimited. The card earns 3% cash back on every transaction for your first cardmember year. Every year thereafter, the card earns 1.5% cash back on every transaction.
The Chase Freedom Unlimited is my go-to card for non-bonus category spend like Amazon. 1.5-2% is typically the highest earn rate you’ll receive for non-bonus category spend.
Like the Chase Freedom, you can convert the cash back that you earn into Chase points if you have the Chase Sapphire Reserve, Chase Sapphire Preferred, and/or Chase Ink Business Preferred.
Chase Sapphire Reserve
The $450 annual fee Chase Sapphire Reserve is the most premium Chase credit card that I have. The card comes with a ton of benefits, including a $300 travel credit that knocks the annual fee down to $150. In addition to the travel credit, the card earns 3X Chase points in travel and dining.
The Chase Sapphire Reserve is the card I use for all travel and dining purchases. Travel and dining are the 2 categories where I typically spend the most each month. With that said, it’s great to have a card that has a high earn rate in these categories.
Business Credit Cards
Chase Ink Business Preferred
The $95 annual fee Chase Ink Business Preferred was my first Chase business credit card. The card earns 3X points on travel, shipping, internet, cable, phone services, social media advertising, and search engines purchases.
In addition to its high earn rates, the Chase Ink Business Preferred offers one of the best cell phone protection plans. This would be the card to pay your cell phone bill with.
Chase Ink Business Cash
The $0 annual fee Chase Ink Business Cash is my newest Chase business credit card. The card earns 5% cash back at office supply stores, internet, cable, and phone services.
The Chase Ink Business Cash is the card I’ll use for my office supply and internet purchases to earn 5% cash back. If you have the Chase Sapphire Reserve, Chase Sapphire Preferred, and/or Chase Ink Business Preferred, you can convert the cash back into Chase points.
Credit Card On My Radar
I have a respectable portfolio of Chase credit cards but I’m always on the lookout for ways to improve. With that said, here is the Chase credit card that I’ll likely apply for in the future.
Chase Ink Business Unlimited
The $0 annual fee Chase Ink Business Unlimited is the business equivalent of the Chase Freedom Unlimited card. The Ink Business Unlimited earns 1.5% cash back on all transactions.
The Chase Ink Business Unlimited is a card I’ll use for my non-bonus business category spend. Like the Ink Business Cash, you can convert the cash back earned into Chase points if you have the Chase Sapphire Reserve, Chase Sapphire Preferred, and/or Chase Ink Business Preferred.
Conclusion on Credit Cards
The Chase Ultimate Rewards program continues to be valuable because of its airline and hotel partnerships. The points that you earn can be transferred directly to its travel partners unlocking a ton of value.
Which Chase credit cards do you recommend? Please let me know in the comments or by sending me an email on my contact page.
Disclaimer: If you click and/or sign up for a credit card through certain links on this site or any of my related social media platforms, I may make a commission from that click-through. The editorial content on this page and the user comments are not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are mine alone.
