JPMorgan Chase credit cards
Largest U.S. card issuer by many measures. Known for the Ultimate Rewards points program, many airline/hotel/Disney co-brands, and becoming the Apple Card issuer (announced Jan 2026).
About JPMorgan Chase
JPMorgan Chase is a national bank and major U.S. card issuer, best known for its Ultimate Rewards points on cards like the Chase Sapphire Preferred and Chase Sapphire Reserve. It also issues many airline, hotel and brand co-brands, including the United Explorer Card and Disney Inspire Visa Card, and in January 2026 Apple announced that Chase will become the new Apple Card issuer.
Chase suits you if you want transferable travel points, like pairing a no-annual-fee card such as Chase Freedom Unlimited with a Sapphire card, or run a small business that can use the Ink cards. If you are new to credit, Chase Freedom Rise is built for first-time cardholders. The main limitation: Chase is widely reported to decline most applicants who have opened five or more new cards from any issuer in the past 24 months, so the order in which you apply matters.
Notable JPMorgan Chase cards
- Chase Sapphire Reserve
- Chase Sapphire Preferred
- Chase Sapphire Reserve for Business
- Chase Freedom Unlimited
- United Explorer Card
- Disney Inspire Visa Card
JPMorgan Chase cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
ChaseSapphire Preferred 4574 7062 5717 3216 VALID THRU 11/31SAM RIVERA Chase Sapphire Preferred CardMid-tier travelers who want transfer partners without a premium fee |
$95/yr | 5x Chase Travel; 3x dining, gas and EV charging, streaming and online… | None | None | Good to Excellent (700+) | |
Chase Sapphire ReserveHeavy travelers who'll actually use the lounges and travel credit |
$795/yr | 8x Chase Travel; 4x flights and hotels booked direct; 3x dining; 1x ot… | None | None | Excellent (740+) | |
ChaseFreedom Unlimited 4734 2504 9544 4664 VALID THRU 10/32ALEX MORGAN Chase Freedom UnlimitedChase cardholders who pool points across the ecosystem |
None | 5% travel via Chase Travel, 3% dining and drugstores, 1.5% on all othe… | 0% intro APR on purchases for 15 months | 3% | Good (690+) | |
ChaseFreedom Flex 5331 9672 3196 0810 VALID THRU 02/30MORGAN LEE Chase Freedom FlexOrganized optimizers who'll track quarterly bonus categories |
None | 5% rotating quarterly categories (activation required), 5% travel via… | 0% intro APR on purchases for 15 months | 3% | Good (690+) | |
ChaseInk Business Preferred 4263 7443 8082 4120 VALID THRU 05/30JORDAN TAYLOR Ink Business Preferred Credit CardSmall businesses with ad and travel spend under 5/24 |
$95/yr | 3x on travel, shipping, internet/cable/phone and advertising on social… | None | None | Good to Excellent (700+) | |
ChaseInk Business Unlimited 4757 4397 5841 7382 VALID THRU 01/32JORDAN TAYLOR Ink Business Unlimited Credit CardSimple flat-rate business spend that pairs with a points card |
None | Unlimited 1.5% cash back on all business purchases | 0% intro APR on purchases for 12 months | 3% | Good to Excellent (700+) | |
ChaseInk Business Cash 4231 6785 5639 2646 VALID THRU 10/28MORGAN LEE Ink Business Cash Credit CardBusinesses with office-supply and telecom spend |
None | 5% at office supply stores and on internet/cable/phone (first $25,000/… | 0% intro APR on purchases for 12 months | 3% | Good to Excellent (700+) | |
Chase Sapphire Reserve for BusinessBusiness owners with heavy travel and ad spend |
$795/yr | 8x Chase Travel; 4x flights and hotels booked direct; 3x social media… | None | None | Good to Excellent (typical for… | — |
JPMorgan ChaseUnited Explorer 4531 8392 1614 3004 VALID THRU 12/28CASEY BROOKS United Explorer CardUnited flyers who will use the Instacart and travel credits |
$150/yr | United MileagePlus miles; see issuer for current category rates | None | None | Good to Excellent (typical; no… | — |
JPMorgan ChaseSouthwest Rapid Rewards Pri… 4394 2008 0108 6981 VALID THRU 09/29TAYLOR REED Southwest Rapid Rewards Priority Credit CardFrequent Southwest flyers adjusting to bag fees and assigned seating |
$229/yr | 4x Southwest purchases; 2x gas stations and restaurants (no cap); 1x o… | None | None | Good to Excellent (typical; no… | — |
JPMorgan ChaseDisney Inspire Visa 4833 0599 4109 0462 VALID THRU 09/32JORDAN TAYLOR Disney Inspire Visa CardDisney streaming subscribers and park/cruise regulars |
$149/yr | 10% Disney+/Hulu/ESPN+; 3% most U.S. Disney locations and gas; 2% groc… | 0% promo APR for 6 months on select Disney vacation packages | See issuer | Good to Excellent (typical; no… | — |
Approval rules and tips
5/24 rule (usually denied with 5+ new cards from any issuer in 24 months); max about 2 personal cards per 30 days; Sapphire bonus limited per product, but one personal plus one business Sapphire can be held.
- Use Chase's Check for Offers page to see pre-approved offers before you submit an application.
- Widely reported 5/24 rule: applicants with five or more new personal cards from any issuer in the past 24 months are usually declined.
- Widely reported: approvals for more than about two Chase personal cards in 30 days are rare, so space out applications.
- Sapphire welcome bonuses are limited per product, so read the offer terms if you have held a Sapphire card before.
- New to credit? Chase says an open Chase checking account with at least $250 in deposits within three days of applying may improve your chances for Freedom Rise.
How to apply for a JPMorgan Chase card
Apply online at creditcards.chase.com, in the Chase Mobile app, or at a Chase branch. Before you apply, the official Check for Offers page shows any pre-approved offers, and signing in first can speed up the application. Have your Social Security number, date of birth, home address, total annual income and monthly housing payment ready. Business cards such as the Ink line also ask for your business name, structure, tax ID and annual revenue.
Customer service: www.chase.com
JPMorgan Chase FAQs
What credit cards does JPMorgan Chase offer?
JPMorgan Chase's notable cards include Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Sapphire Reserve for Business, Chase Freedom Unlimited, United Explorer Card. See the cards we review below for fees, rewards and APRs.
Does JPMorgan Chase have special approval rules?
5/24 rule (usually denied with 5+ new cards from any issuer in 24 months); max about 2 personal cards per 30 days; Sapphire bonus limited per product, but one personal plus one business Sapphire can be held.
How do I apply for a JPMorgan Chase credit card?
Apply on creditcards.chase.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new JPMorgan Chase card?
See our step-by-step guide to activating a Amazon Prime Visa / Amazon Visa — online, in the app or by phone.
Does Chase offer a card for people with no credit history?
Yes. Chase Freedom Rise is designed for people new to credit and has no annual fee. Chase does not require a prior credit history for it, and it says having an open Chase checking account with at least $250 in deposits within three days of applying may improve your chances. No minimum balance is needed after approval.
Do Chase cards charge foreign transaction fees?
It depends on the card. Travel cards such as the Sapphire Preferred, Sapphire Reserve and United Explorer Card have no foreign transaction fee, while cash-back cards like Chase Freedom Unlimited and Freedom Flex charge 3% of each purchase made abroad. Chase lists its no-foreign-fee cards as a separate category on its site.
Is Chase taking over the Apple Card?
Yes. Apple announced in January 2026 that JPMorgan Chase will become the new issuer of Apple Card, with the transition expected to take about 24 months. Mastercard remains the network, and Apple says cardholders can keep using the card as normal. Until the switch, Goldman Sachs Bank USA remains the issuer.