Chase
JPMorgan Chase Bank, N.A. · New York, NY · Founded 1799 (as The Manhattan Company)
Chase — a major U.S. issuer known for Ultimate Rewards and the Sapphire lineup.
About Chase
Chase is the consumer and commercial banking arm of JPMorgan Chase & Co. and one of the largest credit card issuers in the United States. Its lineup spans co-branded travel cards, cash back cards, small business cards, and its Ultimate Rewards points ecosystem, which supports transfers to a range of airline and hotel partners.
Strengths
- Ultimate Rewards points transfer to multiple airline and hotel partners
- Broad co-branded card lineup (airlines, hotels, retailers)
- Consistent purchase and travel protections on premium cards
Lineup notes
Chase's personal card families include Freedom (cash back), Sapphire (travel rewards), and Ink (business). Applicants should be aware of Chase's unofficial 5/24 guideline — many personal card applications are declined if the applicant has opened five or more credit cards from any issuer in the prior 24 months.
Featured Chase cards
Frequently Asked Questions
What is the Chase 5/24 rule?
The 5/24 rule is Chase's unofficial application guideline: most Chase personal credit card applications will be declined if you have opened five or more credit cards from any issuer within the past 24 months. It is not published by Chase but has been consistently reported by applicants and reviewers.
Can I transfer Chase Ultimate Rewards points between cards?
Yes. Points can be pooled between eligible Chase cards held by the same account holder, and in many cases can be shared with a household member who has an eligible card. Transfer partners and portal redemption rates vary by card.