best first time credit card chase

Best Overall, Best for Cash-Back Rewards: Chase Freedom Unlimited $200 cash back after you spend $500 on purchases in your first 3 months from account. The best Chase starter credit card is the Chase Freedom® Student credit card because it accepts applicants with limited credit history and reports to the. Great starter card. Credit Karma Member. This was the first credit card I've applied for, got approved, and have. I.

Best first time credit card chase -

Best Chase credit cards for November 2021

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Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

Источник: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY
CardBest forWelcome Offer/Sign Up BonusEarning RateAnnual Fee
Chase Freedom Unlimited®Best for future value$200
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • Unlimited 1.5% cash back on all other purchases.
$0
Capital One VentureOne Rewards Credit CardBest for flexibility20,000 miles
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Earn unlimited 1.25X miles on every purchase, every day.
$0
Citi® Double Cash CardBest for cash backN/A
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
$0
Capital One SavorOne Cash Rewards Credit CardBest for entertainment$200
  • Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • Earn 1% on all other purchases.
$0
Capital One Quicksilver Cash Rewards Credit CardBest for using abroad$200
  • Earn unlimited 1.5% cash back on every purchase, every day
$0
Chase Sapphire Preferred® CardBest for travel rewards60,000 points
  • Earn 5X points on travel purchased through Chase Ultimate Rewards®.
  • Earn 3X points on dining.
  • Earn 2X points on all other travel purchases, plus more.
$95

This page includes information about the Discover it Secured Credit Card that is not currently available on The Points Guy and may be out of date. 

Now that you’ve seen a snapshot of these cards let’s take a closer look at each one.

Best first-time credit cards

Chase Freedom Unlimited: Best for future value

chase freedom unlimited

Sign-up bonus: $200 bonus after spending $500 in their first three months from account opening. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Annual fee: $0

Rewards: Earn 5% back on travel booked through Ultimate Rewards, 3% back on dining and drug stores and unlimited 1.5% cash back on all other purchases.

Why it’s a great first credit card: The Chase Freedom Unlimited is a great starter card (and the first on this list) because it’s buildable. When you have this card by itself, you’re earning at least 1.5% cash back on all purchases. However, as you get more comfortable with credit card rewards, this is an easy card to pair with other Chase cards to round out a complete credit card strategy.

When you combine this with the Chase Sapphire Preferred, Chase Sapphire Reserve or the Ink Business Preferred Credit Card, you can merge the rewards you earn on the Freedom Unlimited with your other point balances to effectively convert your cash-back earnings into full-on Chase Ultimate Rewards points — which means you can transfer the points you earn on it to one of Chase’s 10 airline or three hotel partners or redeem them for added value directly in the Ultimate Rewards travel portal. Ultimate Rewards points are some of the most valuable points for travel redemptions, and who doesn’t love free travel?

Read our full Chase Freedom Unlimited review for more details.

APPLY HERE: Chase Freedom Unlimited

Capital One VentureOne Rewards Credit Card: Best for flexibility

Sign-up bonus: 20,000-mile bonus after spending $500 on purchases in the first three months of account opening.

Annual fee: $0

Rewards: Earn 1.25x miles on all purchases.

Why it’s a great first credit card: When you’re first starting in the credit card rewards game, juggling different bonus categories and trying to figure out the best redemption options can be confusing and time-consuming. The Capital One VentureOne makes earning travel rewards much simpler. You’re always getting at least 1.25x Venture miles on every single purchase, and the redemption process for those miles is super simple.

You can redeem them at a fixed value to cover travel purchases on your statement, which means you know you’re getting 1 cent per mile out of your rewards. This means the sign-up bonus is worth $200. However, as you get more advanced with travel and award charts, Capital One also lets you transfer your miles to 15+ airline and hotel partners, where you could potentially get even more value. Read our full Capital One VentureOne review for more details.

APPLY HERE: Capital One VentureOne Rewards Credit Card

Citi® Double Cash Card: Best for cash back

Sign-up bonus: N/A

Annual fee: $0

Rewards: Earn 2% back on all purchases — 1% when you buy and 1% when you pay your bill each month.

Why it’s a great first credit card: Similar to the Chase Freedom Unlimited, this is a great card to start with because it’s easy to pair later on when you start to dig into more transferable rewards currencies. Right off the bat, you’re earning 2% cash back on everything, which is a stellar flat rewards rate. That 2% adds up really quickly when you use this for most of your monthly expenses.

However, the Citi Double Cash is another card that allows you to convert those rewards into points when paired with an eligible card.

If you have a Citi ThankYou point-earning card such as the Citi Prestige® Card or Citi Premier® Card, your rewards can become ThankYou points, which are more valuable than straight cash back due to their ability to be redeemed through the Citi travel portal or by transferring to 16 airline partners. The one major downside to this card is that you don’t get a sign-up bonus — but you’ll want to think about the long-term 2% rewards rate from this card.

The information for the Citi Prestige Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Read our full Citi Double Cash Card review for more details.

APPLY HERE: Citi Double Cash Card

Capital One SavorOne Cash Rewards Credit Card: Best for entertainment

Sign-up bonus: Earn $200 after you spend $500 on purchases in the first three months of account opening

Annual fee: $0

Rewards: Earn 3% cash back on dining and entertainment; 3% cash back at grocery stores; 3% cash back on popular streaming streaming services; 1% on all other purchases.

Why it’s a great first credit card: The Capital One SavorOne is one of the most rewarding no-annual-fee cash back cards. You’re getting an excellent 3% on dining and entertainment — two vast and common bonus categories — on top of 3% back at grocery stores and on popular streaming services.

Capital One also has the Capital One Savor Cash Rewards Credit Card, which comes with 4% cash back on dining, entertainment and popular streaming services, and 3% cash back at grocery stores (excluding superstores like Walmart and Target) in exchange for a $95 annual fee.

The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

However, for those who are brand new to the credit card market, the SavorOne is easier to be approved for and provides a lot of value without charging an annual fee — especially since you won’t pay foreign transaction fees when traveling outside the U.S.

Read our full Capital One SavorOne Card review for more details.

APPLY HERE: Capital One SavorOne Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card: Best for using abroad

Sign-up bonus: Earn $200 after you spend $500 on purchases in the first three months of account opening.

Annual fee: $0

Rewards: Earn unlimited 1.5% cash back on every purchase.

Why it’s a great first credit card: If you’re hoping to stay in the cash-back rewards universe, the Quicksilver is a great beginner credit card. You’re getting cash back on every purchase, which makes it a simple and straightforward card to have in your wallet. It has no annual fee and even waives foreign transaction fees, too. Once you’re more comfortable with credit cards and credit card rewards, you can always add other cards with higher bonus category earnings to your lineup. Using the Quicksilver as a card for all spending that doesn’t fall into another bonus category is simple, straightforward and rewarding — what more can you ask for in a first credit card?

Read our full Capital One Quicksilver Card review for more details.

APPLY HERE: Capital One Quicksilver Credit Card

The Amex EveryDay® Credit Card from American Express: Best for getting started with Amex

Welcome offer: 10,000 Membership Rewards points when you spend $1,000 within the first three months of account opening. These points are valued at $200 based on TPG valuations. However, be sure to check CardMatch to see if you’re targeted for a higher bonus offer.

Annual fee: $0

Rewards: Earn 2x at U.S. supermarkets (up to $6,000 in purchases per year; then 1x)

Why this is a great first credit card: This is a credit card for points-and-miles beginners because it earns valuable Membership Rewards without charging an annual fee. It earns 2x at U.S. supermarkets (on the first $6,000 spent each calendar year, then 1x) and 1x on everything else — plus you get a 20% bonus if you swipe it 20 times or more in a billing cycle.

The fact that it earns Amex Membership Rewards points is a large part of its appeal. Like Citi ThankYou Points and Chase Ultimate Rewards points, you can pool your rewards once you start earning more rewards with more premium Amex cards — and Amex points are some of the most valuable out there.

For example, you can transfer your Amex points to Delta, which frequently has flash sales to destinations all over the world, so you’re looking at an easy way to jump-start your free travels. You can also transfer your Amex Membership Rewards points to 19 airline and three hotel programs, including Delta and Marriott, to really get a lot of value out of them.

The information for the Amex EveryDay card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Read our full Amex EveryDay Credit Card review for more details.

Chase Sapphire Preferred Card: Best for travel rewards

Sign-up bonus: 60,000 points when you spend $4,000 on purchases within the first three months of account opening. TPG values this bonus at $1,200, depending on how you redeem them — either by transferring them to an airline or hotel or directly through Chase’s travel portal.

Annual fee: $95

Rewards:

  • 5x on all travel purchased through Chase Ultimate Rewards
  • 3x on dining, including eligible delivery services, takeout and dining out
  • 3x on select streaming services
  • 3x on online grocery purchases (excluding Target, Walmart and wholesale clubs)
  • 2x on all other travel
  • 1x on all other purchases

Why it’s a great first credit card: If you’re an avid TPG reader, you know we recommend this card a lot — and with good reason. After all, it is one of the best credit cards on the market, and it even won Best Travel Rewards Credit Card in the 2020 TPG Awards. Those rewards rates on dining and travel add up quickly — travel especially is a broad category and includes everything from Uber to public transit to (of course) flights. The points you’ll earn can be transferred to Chase’s various partners or redeemed for 1.25 cents each through Chase’s travel portal.

Right now, Chase is offering some perks for Chase Sapphire Preferred cardholders, including new redemption options with the new Pay Yourself Back feature

Источник: https://thepointsguy.com/credit-cards/first/

Create memories with the
Disney® Visa® Credit Cards
from Chase

Learn more

Learn more

Learn more

Learn more

Make it possible with the Disney Premier Visa Card

Make it possible with the Disney Premier Visa Card

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more


Disney Benefits with Disney Visa Credit Cards from Chase

Disney Benefits with Disney Visa Credit Cards from Chase

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning


Ready to become a Disney Premier Visa Cardmember?

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in
the first 3 months from account opening with the Disney Premier Visa Credit Card.1

Источник: https://disneyrewards.com/

The Best Chase Credit Cards Of November 2021

Best for Straightforward Earnings

Chase Freedom Unlimited®

Up to 5X Reward Rate

Earn 5% on Chase travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1.5% on all otherRead More

Regular APR

14.99% - 24.74% Variable

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

A good overall spending card that allows you to hold a balance on new purchases at 0% Intro APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases

Pros & Cons

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months
  • Unlimited 1.5% minimum earn rate for cashback rewards
  • No minimum redemption amount
  • 3% foreign transaction fee
  • High cash advance fee of $10 or 5%, whichever is greater
  • Balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

Card Details

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% – 24.74%.
  • No annual fee.

Best Premium Card

Chase Sapphire Reserve®

Up to 10X Reward Rate

5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel throughRead More

Welcome Bonus

50,000 points

Regular APR

16.99%-23.99% Variable

Credit Score

Excellent (750 - 850)

Why We Picked It

This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards or when using the Pay Yourself Back feature nets you a 50% bonus.

Pros & Cons

  • $300 annual travel credit is incredibly flexible
  • Generous welcome bonus
  • Get 50% more value when you redeem points for travel through Chase, or for select purchases through Pay Yourself Back℠  program
  • Points transfer to valuable airline and hotel partners
  • High annual fee
  • High variable APR on purchases
  • Excellent credit recommended

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Best Travel Rewards for a Low Annual Fee

Chase Sapphire Preferred® Card

Up to 5X Reward Rate

Earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all otherRead More

Welcome Bonus

60,000 points

Regular APR

15.99%-22.99% Variable

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee.

Pros & Cons

  • Earn high rewards on several areas of spending
  • Transfer points to travel partners at 1:1 rate
  • Many travel and shopping protections
  • Annual fee
  • No intro APR offer
  • Best travel rewards are only for bookings through Chase

Card Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Best for Multiple Bonus Categories

Chase Freedom Flex℠

Up to 5% Reward Rate

Earn 5% cash back on eligible purchases in rotating categories, 5% on Chase travel purchased through Chase Ultimate Rewards®, 3%Read More

Regular APR

14.99% - 24.74% Variable

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

Pros & Cons

  • No annual fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
  • Travel rewards rate rivals some of the best premium travel cards
  • Generous rewards rate in several other categories
  • Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back

Card Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% – 24.74%.
  • No annual fee.

Best Travel Rewards Business Card

Ink Business Preferred® Credit Card

Up to 3X Reward Rate

Earn 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable andRead More

Welcome Bonus

Earn 100,000 bonus points

Regular APR

15.99%-20.99% Variable

Credit Score

Good, Excellent (700 - 749)

Why We Picked It

Frequent business travelers who spend generously within the bonus categories will find extreme value in this card.

Pros & Cons

  • Remarkable welcome bonus
  • No foreign transaction fee
  • Employee cards at no additional cost
  • Rewards for common business expenses
  • Has annual fee
  • Very high cash advance fee
  • Very high balance transfer fee

Card Details

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Best No Annual Fee Business Card

Ink Business Cash® Credit Card

Up to 5% Reward Rate

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More

Welcome Bonus

Earn $750 bonus cash back

Regular APR

13.24% - 19.24% Variable

Credit Score

Good, Excellent (700 - 749)

Why We Picked It

Offers enticing cash rewards for those with significant business-related spending, with an added bonus of 0% introductory APR on purchases for the first 12 months of opening your account.

Pros & Cons

  • No additional fee for employee cards
  • High rewards rates in select bonus categories
  • Generous welcome bonus
  • Very high fee for cash advances & balance transfers
  • Spending cap on bonus categories
  • Low rewards rates outside of bonus categories

Card Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

Best for High Ongoing Rewards Business Card

Ink Business Unlimited® Credit Card

1.5% Reward Rate

Earn unlimited 1.5% Cash Back rewards on every purchase made for your business

Welcome Bonus

Earn $750 bonus cash back

Regular APR

13.24% - 19.24% Variable

Credit Score

Good, Excellent (700 - 749)

Why We Picked It

Busy business owners will appreciate this card's simple flat-rate rewards program which doesn't require time to manage and optimize.

Pros & Cons

  • Unlimited 1.5% cash back rewards on purchases
  • No annual fee
  • Generous welcome bonus
  • 0% Intro APR on Purchases for 12 Months
  • Cash back awarded as Ultimate Rewards, which can be combined with Premium Chase credit card accounts for better reward redemption options
  • High foreign transaction fees
  • Not a good card for balance transfers

Card Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Best Hyatt Card

World of Hyatt Credit Card *

Up to 4 points

4 points per dollar spent at Hyatt hotels and 2 points per dollar spent at restaurants, on airline tickets purchasedRead More

Welcome Bonus

Up to 60,000 points

Regular APR

15.99% - 22.99% Variable APR on purchases and balance transfers

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

While Hyatt doesn't have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you are a regular at Hyatt, a combination of high point redemption values, sweet perks and one free night stay per year will easily cover the annual fee and then some.

Pros & Cons

  • Annual free night certificate on cardmember anniversary
  • Complimentary World of Hyatt Discoverist status
  • High points redemption values
  • Generous welcome bonus
  • Limited number of properties
  • No worthwhile redemption options aside from Hyatt properties
  • High regular APR
  • No intro APR offer

Card Details

  • Earn 30,000 bonus points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more bonus points by earning 2 bonus points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open
  • Earn 4 bonus points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 bonus points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Best Marriott Card

Marriott Bonvoy Boundless® Credit Card *

Marriott Bonvoy Boundless® Credit Card

Up to 6X Reward Rate

6 points for every $1 at participating Marriott Bonvoy hotels and 2 points for every $1 spent on all otherRead More

Welcome Bonus

3 Free Nights + 10X total points

Regular APR

15.99% - 22.99% Variable APR on purchases and balance transfers

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

For those who prefer staying at Marriott's 7,000+ properties, this card offers a robust set of perks and rewards potential. The free night alone (valued at 35,000 points) can justify the annual fee, and Silver Elite status is just icing on the cake. Thinking about carrying a balance? The high APR could easily eclipse the value of your hard-earned rewards.

Pros & Cons

Источник: https://www.forbes.com/advisor/credit-cards/best/chase/
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1 Replies to “Best first time credit card chase”

  1. Sir jiska pan card Nahi hai uska form kaise bhare. Jaise class 9th me padhane wala student ka

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