Chase offers some of the most rewarding credit cards on the market, making them a top choice for consumers looking to maximize their spending. Whether you’re interested in travel rewards, cash back, or premium perks, Chase has a card that fits your needs. In this guide, we’ll explore the best Chase credit cards for rewards and cash back in 2025.
Why Choose a Chase Credit Card?
Chase credit cards are known for their generous rewards programs, flexible redemption options, and valuable sign-up bonuses. Here are some key reasons to consider a Chase card:
- Lucrative Rewards: Earn points or cash back on everyday purchases.
- Flexible Redemption: Use points for travel, statement credits, or gift cards.
- Exclusive Perks: Enjoy travel protections, purchase coverage, and premium benefits.
- Strong Partner Network: Transfer points to leading airline and hotel loyalty programs.
Top Chase Credit Cards for Rewards and Cash Back in 2025
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a top choice for travelers looking to earn valuable rewards.
- Sign-Up Bonus: Earn 60,000 points after spending $4,000 in the first 3 months.
- Rewards Rate: 5x points on travel booked through Chase, 3x on dining, and 2x on other travel purchases.
- Annual Fee: $95
- Best For: Travelers who want flexible redemption options and strong earning potential.
2. Chase Freedom Unlimited®
The Chase Freedom Unlimited® is an excellent cash back card with no annual fee.
- Sign-Up Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000 spent in the first year).
- Rewards Rate: 5% on travel booked through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
- Annual Fee: $0
- Best For: Everyday spending with a simple and rewarding cash back structure.
3. Chase Sapphire Reserve®
The Chase Sapphire Reserve® is a premium travel card with luxury benefits.
- Sign-Up Bonus: Earn 75,000 points after spending $4,000 in the first 3 months.
- Rewards Rate: 10x points on hotels and car rentals booked through Chase, 3x on dining and travel.
- Annual Fee: $550
- Best For: Frequent travelers who want premium perks like airport lounge access and travel credits.
4. Chase Freedom Flex®
The Chase Freedom Flex® offers rotating bonus categories for maximum cash back.
- Sign-Up Bonus: Earn a $200 bonus after spending $500 in the first 3 months.
- Rewards Rate: 5% cash back on rotating categories (up to $1,500 per quarter), 5% on travel booked through Chase, 3% on dining and drugstores.
- Annual Fee: $0
- Best For: Maximizing cash back with rotating bonus categories.
5. Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is ideal for business owners looking to earn rewards on business expenses.
- Sign-Up Bonus: Earn 100,000 points after spending $8,000 in the first 3 months.
- Rewards Rate: 3x points on travel, shipping, advertising, and telecom services (up to $150,000 per year).
- Annual Fee: $95
- Best For: Business owners who want high rewards on business-related expenses.
How to Choose the Best Chase Credit Card for You
When selecting a Chase credit card, consider the following factors:
- Spending Habits: Choose a card that aligns with your spending categories.
- Rewards Preference: Decide between travel rewards, cash back, or business benefits.
- Annual Fees: Weigh the benefits against the cost of the card.
- Sign-Up Bonuses: Take advantage of lucrative welcome offers.
Final Thoughts
Chase offers a variety of credit cards tailored to different spending habits and financial goals. Whether you’re looking for a premium travel card, a simple cash back option, or a business rewards card, there’s a Chase credit card that fits your needs. By understanding your spending patterns and financial objectives, you can choose the best Chase credit card to maximize your rewards in 2025.
Ready to apply? Compare these top Chase credit cards
