My Favorite Bank Cards
What exactly is “my favorite bank?” Why are we speaking in code? I totally hear you, and there is a reason! When talking about Chase bank credit cards on social media, we aren’t allowed to say the card name or show the card. These card offers are truly amazing, and even though it can be a bit tricky to talk about them, we are making it work!
You will see what I call them on social media, as well as what the actual card name is, because I am allowed to share that with you on the blog!
Here is where you can find all my Chase Card offers in one place! Come back here anytime you need one of these cards.
You can also find them in this free app. I recommend to anyone earning points and miles, the Travel Freely app! Totally free app, and no personal card info is needed. This is an easy way you can organize all your cards, and it is worth getting! Say goodbye to spreadsheets and grab this instead! Grab the app HERE!
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Flexible Chase Credit Card Offers
These cards will earn you Ultimate Rewards (UR), which is the point currency from Chase. These points can be used for all 14 travel partners, giving you tons of variety and ways to redeem them. TIP: Flexible point cards are more valuable than cobranded cards!
Personal Credit Cards that earn Ultimate Rewards
- Chase Sapphire Preferred (My Favorite Beginner Card)
- Chase Sapphire Reserve (Premium Version of the My Favorite Beginner Card)
- Chase Freedom Unlimited (No Annual Fee cash back card)
- Chase Freedom Flex (Rotating 5x category card)
Business Credit Cards that earn Ultimate Rewards
- Chase Ink Business Preferred (My Favorite Business Card)
- Chase Ink Business Cash (No annual Fee Business Card)
- Chase Ink Business Unlimited (No Annual Fee 1.5x Business Card)
“My Favorite Beginner Card” also known as
Chase Sapphire Preferred
- #1 card to start with for beginners
- Flexible points- You can redeem for a variety of things!
- Low annual fee- $95 a year, but I will show you how to get tons of value out of this card, so this yearly fee doesn’t hurt!
- 75,000 Ultimate Reward (UR) points are awarded to your account after you hit the $5,000 spend in 3 months
- $50 annual hotel credit
- 3x on dining, which is great to keep in your wallet anytime you eat out
- Access to the Chase Travel Portal, which means you can transfer your cash card points over this card and use them for travel
- GRAB THIS CARD OFFER
My Take: This was my first credit card when earning points, and it is so easy to learn how to earn points and redeem them! These points can be transferred to so many of my favorite airlines, like Southwest, Virgin Atlantic, and Air France, to name a few! World of Hyatt is only part of Chase Ultimate Rewards, which is why I am always needing to earn these points. It is a top card to use when dining out because you can maximize your points. Remember, you can only apply for this welcome offer every 48 months. You can’t hold both Sapphire cards at one time.
Premium Version of My Favorite Beginner Card
Also known as Chase Sapphire Reserve
- Lots of extra perks with this card
- 100k bonus + $500 Chase Travel Promo Credit
- $300 annual travel credit
- 3x on travel
- Priority Pass Select (Airport lounge access
- $120 Global Entry or TSA credit
- Complimentary DashPass
- $10 off two orders per month on DoorDash
- 10x Peloton equipment and purchases
- $795 Annual Fee
- GRAB THIS CARD OFFER
My Take: If you really like booking your travel through the Chase Travel Portal, this might be a card you would want on hand. Your points will go farther on this card than the Preferred because your points will count as 1.5 instead of 1.25. That means 10,000 Ultimate Rewards will give you $150 worth of travel in the portal. If you can use all the benefits and get more than $795 out of this card, then go for it. This promo offer may be a reason you want to grab this card with its new features.
No Annual Fee Cash Back Card, also known as
Chase Freedom Unlimited
- No Annual Fee Card
- Earn $250 or 25,000 Ultimate Reward Points after $500 spend in 3 months
- Unlimited 1.5x on all purchases
- Earn points on this card and transfer to either the Sapphire cards or the Ink Business Preferred to use for travel
- Great if you need to build up credit and can’t qualify for the travel cards
- 3x on dining
- GRAB THIS CARD OFFER
My Take: If you need to work on your credit and can’t qualify for those travel cards, this is a great one to start with and has no annual fee! You can keep earning points while building up your credit! Once you get the Chase Sapphire, simply transfer points from this card to your Chase Sapphire, and you can use all those points for travel! Instead of using a card that is 1x on a purchase, go with this card to earn 1.5x. The .5 really adds up over time.
Rotating 5x Category Card, also known as
Chase Freedom Flex
- No annual fee card
- $200 or 20,000 points after $500 spent in 3 months
- Each quarter has a 5x category (you do need to activate in your bank app)
- 3x on dining
- Max out the 5x category each quarter to earn 7,500 Ultimate Reward Points
- GRAB THIS CARD OFFER
My Take: The 5x rotating category is what makes this card amazing! You can earn up to 7,500 Ultimate Rewards points in these bonus areas. Categories could be gas, entertainment, PayPal, gym memberships, charity, dining, and more. If you ever decide to downgrade your Chase Sapphire, you can choose this card as an option and forgo the welcome bonus, but start earning in those 5x categories. This is a cash-back card, so remember to use it for travel. You need to transfer these points to either a Chase Sapphire card or the Ink Business Preferred card.
“My Favorite Business Card,” also known as
Ink Business Preferred
- Low annual fee of $95 and a ton of points!
- 90,000 Ultimate Rewards points after you spend $8,000 in 3 months
- Minimum $980 value!
- 3x on travel
- No Foreign transaction fees
- Cell Phone Protection
- and lots of travel coverage options
- Access to the Chase Travel Portal, so any cash back business cards from Chase can actually transfer those points to this card and use them for travel instead of cash back (way better value)
- GRAB THIS CARD OFFER
My Take: You get a lot of points for a low annual fee. I used this bonus for our Mexico all-inclusive anniversary trip, and the room would have cost me $2,500! If you are going on a cruise or purchasing any other vacation packages, use this card and earn 3x! The cash back cards from Chase are great, but unless you have this card or one of the Chase Sapphire cards, the points can only be used for cash back.
No annual Fee Business Card, also known as
Ink Business Cash
- No Annual Fee card
- Advertised as a Cash Back card, but can transfer to Ink Preferred or Sapphire to use for points
- Two-tier offer giving you more time to earn points if higher spending is difficult
- Up to 90,000 points after $6,000 in 6 months ($900 cash back)
- 5x on internet, cable, phone, and office supply transactions
- GRAB THIS CARD OFFER
My Take: This is a great way to earn lots of points with a no-annual-fee card! I always take this card with me when I go shopping at office supply stores. Use this card for your internet and phone bills to earn more points with your monthly bill. A two-tier offer means you earn 35,000 points after $3,000 spend in 3 months, and then you earn 40,000 points after you spend $6,000 total in the first 6 months. $1,000 a month is pretty easy to do for most budgets. Don’t forget to transfer these points to your Sapphire card or your Ink Preferred because both have access to the Chase Travel Portal, allowing you to get a much better value out of those points.
No Annual Fee 1.5x Business card, also known as
Chase Ink Business Unlimited
- No Annual Fee card
- 90,000 points after $6,000 spent in 3 months ($900 Cash back)
- 1.5x on everything
- Advertised as a cashback card, but can be used for travel points
- Transfer these points to Sapphire or Ink Preferred to use for travel
- GRAB THIS CARD OFFER
My Take: Both no-annual-fee credit cards are great for earning tons of points without worrying about the additional annual fee! You are able to hold both Ink no annual fee cards. When you are going to purchase something that doesn’t have a bonus category, this 1.5x is a great card to use that will earn you extra points. Instead of just getting 1 point, you will be earning 1.5, and those points do add up.
Understanding the 5/24 Rule
To be approved for Chase credit cards, keep in mind the 5/24 rule. You need to stay under 5 personal cards opened in 24 months. If you are applying for a business card, you need to be under the personal 5/24 rule to get approved.
Missing Deadlines, Not Staying Organized
Anytime you get approved for one of these cards, don’t forget to put this card in your free Travel Freely app. When you add the card to your profile, put the day you got approved for the card, not the day the card arrived. This will ensure you don’t miss your welcome bonus deadline, and your annual fee reminders will be corrected as well.
Maximizing Spending with Current Cards
After you meet the welcome bonus, think about how you could still use the card to maximize your points. Going to an office supply store, use the Ink Cash to earn 5x compared to the Ink Unlimited, which would only earn you 1.5x.
Be Financially Responsible
Always pay off your cards in full every month!
If you are carrying balances on these cards and paying interest, the reward points really aren’t saving you any money because you are paying a ton in interest on these cards!
TIP: Pay off your card weekly or bi-weekly to help yourself stay financially responsible.
Need a little more help just figuring out how this all works? Grab my FREE beginner guide to help you learn all the foundations to start earning tons of points and miles!
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