Chase credit cards
Verified Oct 16, 2026USD
24 Chase cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $795.
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
- #1
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $2,010, based on 0.59 cents per pointYear 2+estimated value, about $1,243, based on 0.59 cents per point3 years estimated value, about $4,496, based on 0.59 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $2,010, based on 0.59 cents per pointYear 2+estimated value, about $1,243, based on 0.59 cents per pointWelcome or anniversary bonus$1,062 / $295Rewards on spending$963 / $963Credits$135 / $135Fees (taken off the end)−$150 / −$150 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout5xGasGas and EV charging5xAirFlights10xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming3xDrugDrugstores3xOnlineOnline shopping3xBillsPhone, internet and utilities3xOtherEverything elseWhy it's ranked here
- Ranked #1 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $4,496 (estimated) after fees.
- Year 1. about $2,010 (estimated) = welcome bonus $1,062 + rewards $963 + credits $135 − fee $150.
- Each year after. about $1,243 (estimated) = anniversary bonus $295 + rewards $963 + credits $135 − fee $150.
- Against #2. Beats Chase Air Canada Aeroplan Card by $634 over 3 years, mostly on welcome bonus (−$548).
- Not counted. The anniversary free night is valued at the most points it can cover.
Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.
Not counted: The anniversary free night is valued at the most points it can cover.
Verified Oct 16, 2026Every term and assumption - #2
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $2,360, based on 1.4 cents per pointYear 2+estimated value, about $750, based on 1.4 cents per point3 years estimated value, about $3,861, based on 1.4 cents per point after fees· pays for itself in month 2Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $2,360, based on 1.4 cents per pointYear 2+estimated value, about $750, based on 1.4 cents per pointWelcome or anniversary bonus$1,610 / $0Rewards on spending$890 / $890Credits$55 / $55Fees (taken off the end)−$195 / −$195 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging3xAirFlights3xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #2 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $3,861 (estimated) after fees.
- Year 1. about $2,360 (estimated) = welcome bonus $1,610 + rewards $890 + credits $55 − fee $195.
- Each year after. about $750 (estimated) = rewards $890 + credits $55 − fee $195.
- Against #1. Trails Chase IHG One Rewards Premier by $634 over 3 years, mostly on welcome bonus (+$548).
- Against #3. Beats Chase Marriott Bonvoy Boundless by $545 over 3 years, mostly on rewards on spending (+$726).
Points valued at 1.40¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #3
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,698, based on 0.73 cents per pointYear 2+estimated value, about $809, based on 0.73 cents per point3 years estimated value, about $3,316, based on 0.73 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,698, based on 0.73 cents per pointYear 2+estimated value, about $809, based on 0.73 cents per pointWelcome or anniversary bonus$1,095 / $256Rewards on spending$648 / $648Credits$50 / $0Fees (taken off the end)−$95 / −$95 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging2xAirFlights6xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #3 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $3,316 (estimated) after fees.
- Year 1. about $1,698 (estimated) = welcome bonus $1,095 + rewards $648 + credits $50 − fee $95.
- Each year after. about $809 (estimated) = anniversary bonus $256 + rewards $648 − fee $95.
- Against #2. Trails Chase Air Canada Aeroplan Card by $545 over 3 years, mostly on rewards on spending (−$726).
- Against #4. Beats Chase Sapphire Reserve by $273 over 3 years, mostly on credits (−$2,614).
- Not counted. Free Night Awards are valued at the most points each night can cover.
Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #4
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,681Year 2+$6813 years $3,043 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,681Year 2+$681Welcome or anniversary bonus$1,000 / $0Rewards on spending$588 / $588Credits$888 / $888Fees (taken off the end)−$795 / −$795 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout1xGasGas and EV charging4xAirFlights4xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #4 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $3,043 after fees.
- Year 1. $1,681 = welcome bonus $1,000 + rewards $588 + credits $888 − fee $795.
- Each year after. $681 = rewards $588 + credits $888 − fee $795.
- Against #3. Trails Chase Marriott Bonvoy Boundless by $273 over 3 years, mostly on credits (+$2,614).
- Against #5. Beats Chase United Quest by $323 over 3 years, mostly on credits (+$1,686).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #5
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,547, based on 1.2 cents per pointYear 2+estimated value, about $587, based on 1.2 cents per point3 years estimated value, about $2,720, based on 1.2 cents per point after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,547, based on 1.2 cents per pointYear 2+estimated value, about $587, based on 1.2 cents per pointWelcome or anniversary bonus$960 / $0Rewards on spending$611 / $611Credits$326 / $326Fees (taken off the end)−$350 / −$350 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging4xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #5 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,720 (estimated) after fees.
- Year 1. about $1,547 (estimated) = welcome bonus $960 + rewards $611 + credits $326 − fee $350.
- Each year after. about $587 (estimated) = rewards $611 + credits $326 − fee $350.
- Against #4. Trails Chase Sapphire Reserve by $323 over 3 years, mostly on credits (−$1,686).
- Against #6. Beats Chase World of Hyatt by $116 over 3 years, mostly on credits (+$978).
Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #6
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,318, based on 1.5 cents per pointYear 2+estimated value, about $643, based on 1.5 cents per point3 years estimated value, about $2,604, based on 1.5 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,318, based on 1.5 cents per pointYear 2+estimated value, about $643, based on 1.5 cents per pointWelcome or anniversary bonus$675 / $0Rewards on spending$738 / $738Fees (taken off the end)−$95 / −$95 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging2xAirFlights4xHotelHotels and car rentals2xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #6 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,604 (estimated) after fees.
- Year 1. about $1,318 (estimated) = welcome bonus $675 + rewards $738 − fee $95.
- Each year after. about $643 (estimated) = rewards $738 − fee $95.
- Against #5. Trails Chase United Quest by $116 over 3 years, mostly on credits (−$978).
- Against #7. Beats Chase IHG One Rewards by $14 over 3 years, mostly on rewards on spending (+$451).
- Not counted. The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value.
Points valued at 1.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Not counted: The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value.
Verified Oct 16, 2026Every term and assumption - #7
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,355, based on 0.59 cents per pointYear 2+estimated value, about $618, based on 0.59 cents per point3 years estimated value, about $2,590, based on 0.59 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,355, based on 0.59 cents per pointYear 2+estimated value, about $618, based on 0.59 cents per pointWelcome or anniversary bonus$738 / $0Rewards on spending$588 / $588Credits$30 / $30Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging2xAirFlights5xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #7 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,590 (estimated) after fees.
- Year 1. about $1,355 (estimated) = welcome bonus $738 + rewards $588 + credits $30.
- Each year after. about $618 (estimated) = rewards $588 + credits $30.
- Against #6. Trails Chase World of Hyatt by $14 over 3 years, mostly on rewards on spending (−$451).
- Against #8. Beats Chase United Explorer by $13 over 3 years, mostly on annual fees (+$300).
Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #8
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,519, based on 1.2 cents per pointYear 2+estimated value, about $529, based on 1.2 cents per point3 years estimated value, about $2,577, based on 1.2 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,519, based on 1.2 cents per pointYear 2+estimated value, about $529, based on 1.2 cents per pointWelcome or anniversary bonus$840 / $0Rewards on spending$576 / $576Credits$103 / $103Fees (taken off the end)-$0 / −$150 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging3xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #8 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,577 (estimated) after fees.
- Year 1. about $1,519 (estimated) = welcome bonus $840 + rewards $576 + credits $103.
- Each year after. about $529 (estimated) = rewards $576 + credits $103 − fee $150.
- Against #7. Trails Chase IHG One Rewards by $13 over 3 years, mostly on annual fees (−$300).
- Against #9. Beats Chase Sapphire Preferred by $49 over 3 years, mostly on welcome bonus (+$90).
Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #9
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,343Year 2+$5933 years $2,528 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,343Year 2+$593Welcome or anniversary bonus$750 / $0Rewards on spending$604 / $604Credits$84 / $84Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout3xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #9 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $2,528 after fees.
- Year 1. $1,343 = welcome bonus $750 + rewards $604 + credits $84 − fee $95.
- Each year after. $593 = rewards $604 + credits $84 − fee $95.
- Against #8. Trails Chase United Explorer by $49 over 3 years, mostly on welcome bonus (−$90).
- Against #10. Beats Chase Ink Business Preferred by $103 over 3 years, mostly on credits (+$252).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #10
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,475Year 2+$4753 years $2,425 after fees· pays for itself in month 2Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1$1,475Year 2+$475Welcome or anniversary bonus$1,000 / $0Rewards on spending$570 / $570Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging3xAirFlights3xHotelHotels and car rentals3xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping3xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #10 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $2,425 after fees.
- Year 1. $1,475 = welcome bonus $1,000 + rewards $570 − fee $95.
- Each year after. $475 = rewards $570 − fee $95.
- Against #9. Trails Chase Sapphire Preferred by $103 over 3 years, mostly on credits (−$252).
- Against #11. Beats Chase Southwest Rapid Rewards Premier by $70 over 3 years, mostly on welcome bonus (+$313).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #11
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,194, based on 1.25 cents per pointYear 2+estimated value, about $581, based on 1.25 cents per point3 years estimated value, about $2,356, based on 1.25 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,194, based on 1.25 cents per pointYear 2+estimated value, about $581, based on 1.25 cents per pointWelcome or anniversary bonus$688 / $75Rewards on spending$625 / $625Credits$30 / $30Fees (taken off the end)−$149 / −$149 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout1xGasGas and EV charging3xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #11 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,356 (estimated) after fees.
- Year 1. about $1,194 (estimated) = welcome bonus $688 + rewards $625 + credits $30 − fee $149.
- Each year after. about $581 (estimated) = anniversary bonus $75 + rewards $625 + credits $30 − fee $149.
- Against #10. Trails Chase Ink Business Preferred by $70 over 3 years, mostly on welcome bonus (−$313).
- Against #12. Beats Chase Freedom Unlimited by $98 over 3 years, mostly on welcome bonus (+$488).
Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #12
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$886Year 2+$6863 years $2,257 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$886Year 2+$686Welcome or anniversary bonus$200 / $0Rewards on spending$686 / $686Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries3xDineDining and takeout1.5xGasGas and EV charging1.5xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1.5xStreamStreaming3xDrugDrugstores1.5xOnlineOnline shopping1.5xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #12 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $2,257 after fees.
- Year 1. $886 = welcome bonus $200 + rewards $686.
- Each year after. $686 = rewards $686.
- Against #11. Trails Chase Southwest Rapid Rewards Premier by $98 over 3 years, mostly on welcome bonus (−$488).
- Against #13. Beats Chase Southwest Rapid Rewards Priority by $16 over 3 years, mostly on annual fees (+$687).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #13
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,185, based on 1.25 cents per pointYear 2+estimated value, about $529, based on 1.25 cents per point3 years estimated value, about $2,242, based on 1.25 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,185, based on 1.25 cents per pointYear 2+estimated value, about $529, based on 1.25 cents per pointWelcome or anniversary bonus$750 / $94Rewards on spending$634 / $634Credits$30 / $30Fees (taken off the end)−$229 / −$229 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout2xGasGas and EV charging4xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #13 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,242 (estimated) after fees.
- Year 1. about $1,185 (estimated) = welcome bonus $750 + rewards $634 + credits $30 − fee $229.
- Each year after. about $529 (estimated) = anniversary bonus $94 + rewards $634 + credits $30 − fee $229.
- Against #12. Trails Chase Freedom Unlimited by $16 over 3 years, mostly on annual fees (−$687).
- Against #14. Beats Chase Freedom Flex by $17 over 3 years, mostly on annual fees (−$687).
Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #14
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$908Year 2+$6583 years $2,225 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$908Year 2+$658Welcome or anniversary bonus$250 / $0Rewards on spending$658 / $658Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals5xTransitTransit and rideshare1xStreamStreaming3xDrugDrugstores5xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #14 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $2,225 after fees.
- Year 1. $908 = welcome bonus $250 + rewards $658.
- Each year after. $658 = rewards $658.
- Against #13. Trails Chase Southwest Rapid Rewards Priority by $17 over 3 years, mostly on annual fees (+$687).
- Against #15. Beats Chase Southwest Rapid Rewards Plus by $3 over 3 years, mostly on welcome bonus (−$375).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #15
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,132, based on 1.25 cents per pointYear 2+estimated value, about $545, based on 1.25 cents per point3 years estimated value, about $2,222, based on 1.25 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,132, based on 1.25 cents per pointYear 2+estimated value, about $545, based on 1.25 cents per pointWelcome or anniversary bonus$625 / $38Rewards on spending$576 / $576Credits$30 / $30Fees (taken off the end)−$99 / −$99 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout2xGasGas and EV charging2xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #15 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,222 (estimated) after fees.
- Year 1. about $1,132 (estimated) = welcome bonus $625 + rewards $576 + credits $30 − fee $99.
- Each year after. about $545 (estimated) = anniversary bonus $38 + rewards $576 + credits $30 − fee $99.
- Against #14. Trails Chase Freedom Flex by $3 over 3 years, mostly on welcome bonus (+$375).
- Against #16. Beats Chase United Gateway by $133 over 3 years, mostly on annual fees (−$297).
Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #16
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,016, based on 1.2 cents per pointYear 2+estimated value, about $536, based on 1.2 cents per point3 years estimated value, about $2,089, based on 1.2 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,016, based on 1.2 cents per pointYear 2+estimated value, about $536, based on 1.2 cents per pointWelcome or anniversary bonus$480 / $0Rewards on spending$536 / $536Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout2xGasGas and EV charging2xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #16 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,089 (estimated) after fees.
- Year 1. about $1,016 (estimated) = welcome bonus $480 + rewards $536.
- Each year after. about $536 (estimated) = rewards $536.
- Against #15. Trails Chase Southwest Rapid Rewards Plus by $133 over 3 years, mostly on annual fees (+$297).
- Against #17. Beats Chase British Airways Visa Signature by $69 over 3 years, mostly on welcome bonus (−$345).
Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #17
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,205, based on 1.1 cents per pointYear 2+estimated value, about $408, based on 1.1 cents per point3 years estimated value, about $2,021, based on 1.1 cents per point after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,205, based on 1.1 cents per pointYear 2+estimated value, about $408, based on 1.1 cents per pointWelcome or anniversary bonus$825 / $28Rewards on spending$475 / $475Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging3xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #17 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,021 (estimated) after fees.
- Year 1. about $1,205 (estimated) = welcome bonus $825 + rewards $475 − fee $95.
- Each year after. about $408 (estimated) = anniversary bonus $28 + rewards $475 − fee $95.
- Against #16. Trails Chase United Gateway by $69 over 3 years, mostly on welcome bonus (+$345).
- Against #18. Beats Chase Freedom Rise by $187 over 3 years, mostly on welcome bonus (+$800).
Points valued at 1.10¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #18
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$628Year 2+$6033 years $1,834 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$628Year 2+$603Welcome or anniversary bonus$25 / $0Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1.5xDineDining and takeout1.5xGasGas and EV charging1.5xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1.5xStreamStreaming1.5xDrugDrugstores1.5xOnlineOnline shopping1.5xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #18 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $1,834 after fees.
- Year 1. $628 = welcome bonus $25 + rewards $603.
- Each year after. $603 = rewards $603.
- Against #17. Trails Chase British Airways Visa Signature by $187 over 3 years, mostly on welcome bonus (−$800).
- Against #19. Beats Chase DoorDash Rewards Mastercard by $9 over 3 years, mostly on welcome bonus (+$25).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #19
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$608Year 2+$6083 years $1,825 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$608Year 2+$608Rewards on spending$608 / $608Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries4%DineDining and takeout1%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #19 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $1,825 after fees.
- Year 1. $608 = rewards $608.
- Each year after. $608 = rewards $608.
- Against #18. Trails Chase Freedom Rise by $9 over 3 years, mostly on welcome bonus (−$25).
- Against #20. Beats Chase Prime Visa by $1 over 3 years, mostly on rewards on spending (+$151).
Verified Oct 16, 2026Every term and assumption - #20
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$708Year 2+$5583 years $1,824 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$708Year 2+$558Welcome or anniversary bonus$150 / $0Rewards on spending$558 / $558Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries2%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores5%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #20 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $1,824 after fees.
- Year 1. $708 = welcome bonus $150 + rewards $558.
- Each year after. $558 = rewards $558.
- Against #19. Trails Chase DoorDash Rewards Mastercard by $1 over 3 years, mostly on rewards on spending (−$151).
- Against #21. Beats Chase Amazon Visa by $208 over 3 years, mostly on rewards on spending (+$108).
Verified Oct 16, 2026Every term and assumption - #21
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$572Year 2+$5223 years $1,616 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$572Year 2+$522Welcome or anniversary bonus$50 / $0Rewards on spending$522 / $522Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries2%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores3%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #21 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $1,616 after fees.
- Year 1. $572 = welcome bonus $50 + rewards $522.
- Each year after. $522 = rewards $522.
- Against #20. Trails Chase Prime Visa by $208 over 3 years, mostly on rewards on spending (−$108).
- Against #22. Beats Chase Marriott Bonvoy Bold by $55 over 3 years, mostly on rewards on spending (+$333).
Verified Oct 16, 2026Every term and assumption - #22
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $739, based on 0.73 cents per pointYear 2+estimated value, about $411, based on 0.73 cents per point3 years estimated value, about $1,561, based on 0.73 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $739, based on 0.73 cents per pointYear 2+estimated value, about $411, based on 0.73 cents per pointWelcome or anniversary bonus$329 / $0Rewards on spending$411 / $411Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1xAirFlights3xHotelHotels and car rentals1xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #22 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth about $1,561 (estimated) after fees.
- Year 1. about $739 (estimated) = welcome bonus $329 + rewards $411.
- Each year after. about $411 (estimated) = rewards $411.
- Against #21. Trails Chase Amazon Visa by $55 over 3 years, mostly on rewards on spending (−$333).
- Against #23. Beats Chase Slate by $1,561 over 3 years, mostly on rewards on spending (+$1,233).
Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #23
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$0Year 2+$03 years $0 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+$0Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #23 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
- Year 1. $0 = nothing.
- Each year after. $0 = nothing.
- Against #22. Trails Chase Marriott Bonvoy Bold by $1,561 over 3 years, mostly on rewards on spending (−$1,233).
- Against #24. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption - #24
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$0Year 2+$03 years $0 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+$0Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #24 of 24. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
- Year 1. $0 = nothing.
- Each year after. $0 = nothing.
- Against #23. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
points at their cash value, after fees. "~" marks estimates.
| Card | Student | Couple | Family | Frequent traveller | Big spender |
|---|---|---|---|---|---|
| Chase IHG One Rewards Premier | ~$1,381 | ~$3,801 | ~$4,496 | ~$5,163 | ~$8,485 |
| Chase Air Canada Aeroplan Card | ~$339 | ~$3,209 | ~$3,861 | ~$4,784 | ~$7,823 |
| Chase Marriott Bonvoy Boundless | ~$915 | ~$2,885 | ~$3,316 | ~$3,752 | ~$6,002 |
| Chase Sapphire Reserve | $774 | $2,640 | $3,043 | $4,188 | $6,305 |
| Chase United Quest | ~$490 | ~$2,301 | ~$2,720 | ~$3,597 | ~$5,778 |
| Chase World of Hyatt | ~$387 | ~$2,106 | ~$2,604 | ~$3,538 | ~$6,200 |
| Chase IHG One Rewards | ~$1,344 | ~$2,170 | ~$2,590 | ~$2,869 | ~$4,910 |
| Chase United Explorer | ~$512 | ~$2,180 | ~$2,577 | ~$3,216 | ~$5,281 |
| Chase Sapphire Preferred | $530 | $2,103 | $2,528 | $3,097 | $5,066 |
| Chase Ink Business Preferred | $235 | $1,020 | $2,425 | $3,156 | $5,165 |
| Chase Southwest Rapid Rewards Premier | ~$1,117 | ~$1,975 | ~$2,356 | ~$2,797 | ~$4,723 |
| Chase Freedom Unlimited | $824 | $1,790 | $2,257 | $2,641 | $5,038 |
| Chase Southwest Rapid Rewards Priority | ~$899 | ~$1,783 | ~$2,242 | ~$2,829 | ~$5,003 |
| Chase Freedom Flex | $957 | $1,826 | $2,225 | $2,545 | $4,427 |
| Chase Southwest Rapid Rewards Plus | ~$1,083 | ~$1,853 | ~$2,222 | ~$2,562 | ~$4,443 |
| Chase United Gateway | ~$972 | ~$1,696 | ~$2,089 | ~$2,415 | ~$4,308 |
| Chase British Airways Visa Signature | ~$172 | ~$1,676 | ~$2,021 | ~$2,527 | ~$4,302 |
| Chase Freedom Rise | $557 | $1,405 | $1,834 | $2,120 | $4,323 |
| Chase DoorDash Rewards Mastercard | $569 | $1,426 | $1,825 | $2,074 | $4,043 |
| Chase Prime Visa | $681 | $1,451 | $1,824 | $2,087 | $4,024 |
| Chase Amazon Visa | $545 | $1,261 | $1,616 | $1,879 | $3,672 |
| Chase Marriott Bonvoy Bold | ~$691 | ~$1,264 | ~$1,561 | ~$1,674 | ~$3,067 |
| Chase Slate | $0 | $0 | $0 | $0 | $0 |
| Chase Slate Edge | $0 | $0 | $0 | $0 | $0 |
Frequently asked questions
Which Chase card is best?
On a family's spending, Chase IHG One Rewards Premier is worth the most over 3 years (~$4,496).
What do Chase cards cost?
Annual fees from $0 to $795 across the 24 cards listed here.
What rewards do Chase cards earn?
IHG One Rewards, Air Canada Aeroplan (US cards), Marriott Bonvoy (US), Chase Ultimate Rewards (Sapphire and Ink Preferred), United MileagePlus, World of Hyatt, Southwest Rapid Rewards, Chase Ultimate Rewards (Freedom cards alone), Avios (British Airways, Aer Lingus, Iberia), Cash back. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.
Sources
Estimates for information only; not financial advice. See how cards are ranked.