Card Family
Chase Cards
Home to the Sapphire family and Ultimate Rewards — one of the most flexible transferable points currencies around.
About Chase
Chase’s Ultimate Rewards ecosystem is built around a genuinely useful idea: points earned on any Chase card you hold pool together into one balance, and a premium card like the Sapphire Preferred unlocks better redemption value for points earned on cheaper, no-fee Chase cards too. That makes “stacking” a no-fee card with a premium one a common, deliberate strategy rather than a niche trick.
The one Chase-specific rule worth knowing before you apply: the “5/24” policy. If you’ve opened 5 or more new credit cards from any issuer in the past 24 months, Chase will generally deny a new application regardless of your credit score or income. It’s not officially published by Chase, but it’s extremely well documented and worth planning around if you’re applying to multiple cards across issuers.
- Are new to travel rewards and want one flexible points currency instead of committing to a single airline or hotel
- Want to combine a no-fee card with a premium one to boost your overall redemption value
- Value a wide range of transfer partners, including Hyatt, United, and Southwest
- Haven’t opened 5+ new cards across any issuer in the past 2 years
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Chase Sapphire ReserveThe premium tier with a 2026 fee increase to $795, plus a genuinely new complimentary IHG Platinum Elite status. |
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Chase Sapphire PreferredThe best starter travel card. New 2026 categories, a $100 hotel credit, and Ultimate Rewards points that transfer to Hyatt, United, and more. |
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Chase Freedom UnlimitedA no-annual-fee everyday card that pairs well with a Sapphire card to boost redemption value. |
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Chase Freedom FlexRotating 5x quarterly categories, another strong no-fee complement to a Sapphire card. |