The Insider Picks team writes about stuff we think you’ll like. Business Insider may receive a commission from The Points Guy Affiliate Network.
Credit card rewards points and frequent flyer miles can be incredibly useful, no matter what kinds of points you earn or what you eventually choose to do with them. While there are a few different types of points, you benefit regardless of which kind your card earns by collecting a rebate on your everyday spending — as long as you practice financial discipline and pay off your statement in full each month.
Aside from rewards, a lot of credit cards come with perks, benefits, and complimentary services that can be extraordinarily useful and valuable. Think airport lounge access, roadside assistance, free primary rental car insurance, purchase protections, and more.
Over the past few years, Chase has become a powerhouse in the credit card rewards and benefits space, growing its Ultimate Rewards program with the lucrative Sapphire Preferred card, and then launching the premium Sapphire Reserve in 2016 with a massive introductory sign-up bonus of 100,000 Ultimate Rewards points.
While that bonus has since dropped, the card remains a powerhouse of value, and the Ultimate Rewards program is fiercely competitive, with a ton of different ways to redeem points and a number of different cards available with varied benefits
If you’re looking for a new Chase card to boost your stores of Ultimate Rewards points, or you’re interested in getting access to new benefits or perks, it might be worth opening a new Chase card — just make sure that you know how opening a new card for the sign-up bonus or benefits can affect your credit.
Take a look below at our choices of the best available Chase cards, including our overall winner, the Chase Sapphire Reserve .
Keep in mind that, unless it’s otherwise noted in the card description, we’re focusing on benefits, perks, and rewards that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards.
When you’re working to earn credit-card rewards, it’s important to practice financial discipline, like paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay back — or spending more than you would otherwise. Basically, with a few rare exceptions , you should treat your credit card like a debit card .
Here are our top picks for the best Chase cards: