Are you thinking about getting a new Chase credit card?
Nearly 18 million U.S. households have at least one Chase customer. Chase is one of the most trusted names in finance, providing credit cards, checking accounts, auto financing, mortgages, and more to consumers.
You can choose from 26 different Chase credit cards, many of which come with specific benefits and sign-up offers.
It can certainly be overwhelming navigating all of these options, especially if you are new to the world of credit.
In this post, we’ll discuss the best Chase credit card offers for 2018. Be sure to consider these as you make your decision!
1. Chase Freedom Unlimited
The Chase Freedom Unlimited card is an excellent option for users looking for a basic, hassle-free cash back credit card. This card provides 1.5% cash back automatically on all purchases, regardless of where those purchases are made.
There is no annual fee for the Chase Freedom Unlimited card. This makes it ideal for users who prefer to earn money on their credit card use rather than pay for it!
It is possible to encounter a few fees while using the Chase Freedom Unlimited card. For example, if you happen to use this card while traveling abroad, you can expect to pay a 3% foreign transaction fee.
Cash advances on this card are also either $10 or 5% of the cash advance requested, whichever is greater.
The intro offers for this credit card, however, trump all of these fees. Users can enjoy 0% APR for the first fifteen months of using this card, meaning that they can carry a balance without penalty.
Users can also enjoy 0% APR on any balance transfers made within the first fifteen months of opening a Chase Freedom Unlimited credit account. This can be particularly valuable for people who want to consolidate credit card debt without exorbitant fees and interest.
There’s more to this card’s intro offer, too. If you spend $500 on purchases within the first three months of having the Chase Freedom Unlimited credit card, you’ll automatically receive $150 in statement credit.
Given the consistent cash back this card offers (1.5% of every purchase) and these intro offers, this Chase credit card is not to be overlooked.
Keep in mind that only individuals with good to excellent credit scores qualify for this Chase card. If you have poor or bad credit, consider these credit cards for bad credit with no deposit.
2. Chase Freedom
If you like the idea of receiving significant cash back and rewards in spending categories, the Chase Freedom credit card is for you.
This card gives users cash back on all purchases! Cashback percentages vary according to where those purchases are made.
Chase Freedom credit card users can take advantage of quarterly cash back categories that grant 5% cash back on eligible purchases.
For example, users may be able to enjoy 5% cash back on purchases made at gas stations for three specific months. Grocery stores, restaurants, wholesale stores, and movie theatres have also appeared on Chase’s list of rotating cash back categories.
Users automatically earn 1% cash back on purchases made outside of these categories without having to enroll.
With respect to its fees, the Chase Freedom card is very similar to the Chase Freedom Unlimited Credit card. There is no annual fee to use this card, but users can expect to pay a 3% foreign transaction fee when traveling abroad. They will also have to pay at least $10 per cash advance.
Yet the intro offers for this Chase card still hold true, making it one of the best credit cards available to users. Users who are approved for this card can enjoy 0% APR on credit card balances and balance transfers for the first fifteen months of use.
Users can also earn $150 in statement credit once they’ve made $500 worth of purchases in the first three months of using the card.
After this intro 0% APR period, individuals can expect to pay a variable APR of 16.74 – 25.49% on carried balances.
Just like the Chase Freedom Unlimited Card, Chase Freedom is available to users with good to excellent credit.
3. Chase Slate
If you’re thinking about consolidating credit card debt with a balance transfer, the Chase Slate credit card may be for you.
This card is known for its ability to facilitate balance transfers at a relatively low cost to users. Users enjoy 0% APR on balance transfers made within the first fifteen months of using Chase Slate.
If you have a lot of high-interest credit card debt on other cards, consolidating this debt to your Chase Slate card can save you hundreds if not thousands of dollars in interest. There is also no annual fee for the Chase Slate card.
However, it’s important to note that you can only make a balance transfer within the first 60 days of using this card in order to take advantage of the 0% APR intro offer.
After this intro period, APR for balances on this card begins at 16.49%. For this reason, only make a balance transfer with Chase Slate if you feel confident you can pay off debt in fifteen months.
4. Chase Sapphire Preferred
If you are a frequent flyer and like the idea of getting rewarded for travel, this Chase card is for you.
This highly-rated travel card has been named the Best Travel Card in past years by Money Magazine.
Its reward system uses points, granting users 2 points for every dollar spent on travel and dining worldwide. Users earn 1 point per dollar spent on all other purchases. These points can then be redeemed as cash back or travel credit.
There is no foreign transaction fee associated with using this card abroad. There is, however, an annual fee of $95, and balances will automatically be subject to an APR of at least 17.74%.
The intro offers associated with using the Chase Sapphire Preferred card are fairly stellar, though!
If you spend $4,000 within the first three months of using this card, you automatically earn 50,000 bonus points, equivalent to $625 travel credit. What’s more, the annual fee is waived for the first year of use.
This card is available to individuals with excellent credit. It’s also ideal for users who spend a lot on travel annually.
Final Thoughts: Best Chase Credit Card Offers of 2018
Chase is one of the most reputable financial institutions servicing consumers. If you’re considering requesting a Chase card, be sure to give extra attention to these best Chase credit card offers.
Both the Chase Freedom Unlimited and Chase Freedom cards are ideal for credit card users looking to maximize their cash back and credit card rewards through diligent use. They’ll also enjoy statement credit and 0% APR intro offers.
The Chase Slate card is best for individuals interested in consolidating credit card debt at a low fee. Lastly, the Chase Sapphire Preferred card offers users some tempting introductory travel rewards.
At Bonsai Finance, we are here to help you navigate your financial future confidently. If you’re still on the fence about credit cards, check out our other credit card reviews!