The credit card market has changed a lot in the last few years. The perception that people have about credit cards has changed, and it is directly influenced by the industry’s most prolific brand – Chase. The bank is not afraid of being at the forefront of a new trend and is always looking for innovative ways to attract a large base of customers.

Let me take you through some common questions regarding their Chase credit card and my suggestions on the best Chase credit cards for you.

What is Chase

Chase credit cards are financial products offered by JPMorgan Chase, one of the biggest banks in the United States. With a Chase credit card, consumers can purchase and earn rewards for their spending. 

Chase offers a wide range of credit cards with different benefits and rewards programs, allowing customers to choose a card that best fits their needs and spending habits. 

Pros and Cons of Using Chase

Here are the things to keep in mind before applying for a Chase credit:

Advantages

• Rewards can be redeemed for anything from free merchandise to flights and donations to charity with most Chase credit cards through the Chase Ultimate Rewards program.
• Chase has several top-tier travel partners, and you can transfer points conveniently, so you can utilize your points in more places.

Disadvantages

• Most of Chase’s credit cards demand a strong to excellent credit score, despite offering competitive travel benefits and attractive bonuses to qualified applicants.
• Premium cards that cost a lot with the most generous perks and rewards have annual fees that range from the more typical $95 to over $500.

How to choose a credit card from Chase

It’s easier to find the right credit card for you if you keep the focus on yourself. Think about this advice as you start to compare.

1. Think about the kinds of rewards you want most

Chase rewards cards always come with travel rewards and cash back. There are also Chase business cards that can be used to buy things for your business. Think about how you usually spend money and choose a card that fits your needs.

2. Consider using Chase Ultimate Rewards

When you cash in your rewards through the Chase Ultimate Rewards program, their value may go up by as much as 50%. f you use the Ultimate Rewards Portal or have multiple cards, including a Premier Chase card, you could make a lot of money by combining your rewards and redeeming them through the portal. 

But if you want a simple rewards program, you might look for a card from a different issuer with a less complicated portal for redeeming points.

3. Prepare to pay an annual fee

There are a lot of cards that don’t have an annual fee, but some do in exchange for a few more valuable perks. To see if an annual fee is worth it, you need to know more about credit card payments and if you use enough of those perks to make the fee worth it.

How To Apply

How to get a Chase credit card? The following tips enable you to figure it out.

1. On the card page, click the “Apply” button.

If you already have a Chase account, you can speed up the application process by signing in first. If you do, Chase will use the information about you to fill out parts of the application.

2. Fill out the application form with all the information asked for.

You should have the following ready for the application process to go smoothly:

• Your personal information: Name, date of birth, Social Security number, and mother’s maiden name.
• How to get in touch: You must use a real address, not a PO Box, for your mailing address. You must also give your email address and phone number.
• Information about money: Type of job, annual gross income, whether you rent or own, and the amount you pay each month for rent or a mortgage.

3. Check the box to say that you agree to the terms of the application and click “Submit.”

What follows the credit card application?

Chase may accept, reject or even give you a pre-approval on your application immediately. Moreover, it may also review your application status.

If it’s denied, Chase will write to explain the denial. Call the Chase reconsideration line to ask why you were refused and if it can be overturned. 

If it’s under review, call Chase to check your application status or wait for a letter. Give Chase’s system three to five days to approve your application. Call the representative to reconsider if your application is declined.

Types of Chase Credit Cards to Choose From

It’s wise to compare Chase’s multiple credit cards.

Best for travel – Chase Sapphire Preferred

For $95 per year, the Chase Sapphire Preferred offers superior travel benefits at a lower cost. Despite the cheap fee, you’ll still benefit from attractive bonus categories and 5x total points value on travel orders through Chase Ultimate Rewards.

Best for Small Business Owners – Ink Business Credit Card Unlimited

This well-rounded card is perfect for tiny startup business owners without a budget due to its substantial welcome bonus, high flat rewards rate, and no annual fee. Unlimited cash-back returns on all business purchases cover all business expenses, whether you’re operating a shop or an online product center.

Best for cashback rewards – Chase Freedom Unlimited

Many other cards offer the same rate, so a flat 1.5 percent cash back on all purchases isn’t competitive. Freedom Unlimited is an excellent flat-rate alternative and a cornerstone of any Chase rewards strategy due to its unlimited 3% cash back on dining and drugstore purchases.

Conclusion

For many people and companies, the benefits of using a Chase credit card are substantial. You should consider your individual financial situation and wants and needs before choosing one of the best Chase credit cards, as is the case with any such choice.
Check out more credit card information at DealAM for more information about Chase and other credit card promotions.