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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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You have to appreciate the simplicity of earning cash-back when using a rewards-earning card for your purchases. Chase, one of the largest credit card issuers, offers several solid cash-back earning credit cards, none of which charge an annual fee.
In addition to the ease of earning cash-back on the Chase cards we’ll discuss, you’ll find flexibility at redemption time and the opportunity to receive even better potential value when rewards are partnered with Chase premium cards.
Join us as we take a look at the best Chase cash-back cards, both personal and business versions, with a focus on how to earn lots of Chase cash-back rewards.
The Value of Chase Cash-back
Ease of Earning
We’ll expand on all the ways to earn cash-back rewards shortly. However, one of the reasons it’s easy to earn cash-back is that every purchase you make earns rewards. There are also bonus categories where your purchases with select merchants and service providers earn even more rewards. To maximize these earnings, be sure to select cards with bonus categories that match your spending mix.
Flexibility
Cash-back is one of the most liquid types of Chase rewards. It’s easy to earn, simple to keep track of, and easy to redeem. Chase cash-back, however, offers even more flexibility with the option to transfer those cash-back rewards to other specific Chase cards. Let’s look briefly at this exciting option.
Opportunities for Greater Value
The best potential value for cash-back earned on Chase cards may be realized by transferring these rewards to a Chase premium card and then subsequently redeeming for travel or transferring them to the Chase travel partners.
For even greater potential value, you can transfer points from premium Chase cards to airline or hotel partners and redeem them for award flights or free hotel nights.
Bottom Line: Cash-back rewards earned on Chase cash-back cards are easy to earn, offer flexibility at redemption time, and can be transferred to Chase premium cards for greater potential value.
The Best Chase Personal Credit Cards That Earn Cash-back
These Chase cash-back rewards cards do not charge an annual fee and come with several benefits and protections:
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits
Cons
3% foreign transaction fees in U.S. dollars
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Matched Cash Back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Ultimate Rewards
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Ultimate Rewards
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Unlimited 1.5% cash back is just the beginning of what you can earn. You’ll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Chase Freedom Rise card is the perfect option for those starting their credit journey that also want to earn cash-back rewards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A strong rewards card if you shop regularly at Amazon.com and Whole Foods.
A strong rewards card if you shop regularly at Amazon.com and Whole Foods.
Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members
$100 Amazon Gift Card
$100
$0
19.49% - 27.49% Variable
We all do our fair share of shopping on Amazon, some of us more than others, and when we shop with Amazon, we obviously want to get the best deal possible. Now, with the Prime Visa Card, you can add a credit card to your wallet that will help you do just that.
You’ll not only earn rewards on all of your Amazon and Whole Foods purchases, but on 4 other bonus categories as well, along with flexible redemption options, all for no annual fee!
When you consider everything that the Prime Visa card offers, it is basically a no-brainer for those who frequently shop with Amazon. Let’s dig a little deeper to see just how much the card can save you.
Pros
Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
Earn 1% back on all other purchases
10% back or more on a rotating selection of items and categories on Amazon.com
Earn Lots of Cash-back on Chase Personal Credit Cards
Travel purchases made with your Chase cash-back card via Chase Travel earn rewards that can also be redeemed for travel. Park Hyatt Maldives. Image Credit: Hyatt
Now that you have an idea of which Chase credit cards earn cash-back rewards, let’s look closer at how you can actually earn those rewards.
1. Earn a Welcome Bonus
Welcome bonuses are an easy way to earn cash-back rewards quickly. Once you’ve been approved for a Chase credit card that offers a welcome bonus, you’ll have an opportunity to earn a welcome bonus after completing the minimum spending requirements within the stated time period.
Welcome bonuses vary widely and change frequently, so be sure to check for the most current bonus before applying. Check our card tables above for the most current information.
2. Refer a Friend
Once you’re a Chase cardholder, you’ll be able to earn cash-back by referring friends or family. When your referral is approved for a card, you’ll receive a cash-back bonus. Learn more about Chase’s Refer a Friend program.
3. Add an Authorized User
Adding a trusted family member to your card ensures more of your household purchases are earning cash-back rewards. Keep in mind that the primary cardholder is still responsible for all purchases made by the authorized user.
4. Earn on Every Purchase
Every purchase you make with your Chase cash-back card will earn rewards.
5. Receive Bonus Earnings on Chase Travel
Both the Freedom Flex card and Freedom Unlimited card earn 5% cash-back on travel purchased via the Chase Travel portal. Additionally, you’ll want to add your Freedom Flex card to your Lyft account as those purchases also earn 5% cash-back through March 2025.
6. Earn on Select Everyday Purchases
The Freedom Flex card and Freedom Unlimited card each earn 3% cash-back on dining and at drugstores.
There are so many ways to earn cash-back but you can keep track of it all in the Chase Ultimate Rewards portal. Image Credit: Chase
7. Make a Major Purchase
With an introductory 0% APR period for up to 15 months after card opening, the Freedom Flex card and the Freedom Unlimited card make it possible to charge a major purchase with your card and repay the balance during the 0% APR period without incurring interest charges. And, you’ll be earning cash-back rewards on that purchase!
After the 0% APR period expires, normal interest rates apply. Check the card tables above for current interest rates.
8. Earn on Quarterly Bonus Category Purchases
Each quarter, the Freedom Flex card announces bonus spending categories that earn 5% cash-back, up to $1,500 in purchases each quarter, in specific spending categories. You’ll find select categories that rotate each quarter and include merchants and services such as home improvement stores, grocery stores, Amazon, gas stations, drugstores, warehouse clubs, and many more.
9. Shop Through Chase
Shop your favorite online stores by first accessing the Shop through Chase link in your Ultimate Rewards account. You’ll earn extra rewards and receive access to special offers at select merchants and service providers.
10. Bonus Offers
Watch your email for special bonus-earning offers. Offers have included additional cash-back in specific earning categories such as grocery stores and gas stations. These offers are often targeted at specific cardholders.
Hot Tip: As a Freedom Unlimited cardholder, Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
The Best Chase Business Credit Cards That Earn Cash-back
Why not earn rewards on business purchases you’re already making? Image Credit: JackF via Adobe Stock
It’s not easy running a business. In addition to all the hard work it takes to succeed, growing your business comes with a lot of expenses. Having a business credit card helps you manage those expenses while earning rewards in the process.
Chase offers 2 excellent cash-back earning business cards, neither of which charges an annual fee.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$900
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards
Cons
3% foreign transaction fee
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$900
$900
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
No annual fee
Cons
Spending caps in bonus categories
Low points earning outside of bonus categories
3% foreign transaction fees
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Earn Lots of Cash-back on Chase Business Credit Cards
Let’s look at several options for earning lots of cash-back rewards on your Chase business card.
1. Earn a Welcome Bonus
Chase business credit cards are known for their generous welcome bonuses. You’ll need to meet minimum spending requirements in the first 3 months after account opening to receive your cash-back bonus. Check the card tables above for the most recent welcome bonus offers.
2. Refer a Friend
Business owners generally know other business owners. Spread your enthusiasm for your Chase business cash-back card with other business owners and receive a cash-back bonus for each referral that gets approved for a Chase business card.
3. Add Employee Cards
There is no cost to request additional cards for your employees. Rewards will add up quickly as every purchase they make earns cash-back for your business.
4. Earn on Every Purchase
Every purchase made with a Chase business credit card will earn at least 1% cash-back. The Ink Business Unlimited card, in fact, earns 1.5% cash-back on every purchase. The Ink Business Cash card earns 1% on all purchases, other than bonus category purchases which will earn more.
5. Receive Bonus Earnings on Select Business Purchases
Busy business owners who want to keep things simple may prefer the flat-rate earnings of the Ink Business Unlimited card, which earns 1.5% on every purchase your business makes. The Ink Business Cash card, however, offers 5% cash-back bonus earnings on the first $25,000 spent each year at office supply stores, internet, cable, and phone services. Plus, you’ll earn 2% cash-back at gas stations and restaurants.
Cash-back earnings on Chase business cards can add value to your business’ bottom line. Image Credit: Chase
6. Invest in Your Business and Earn More
If you need to make a major purchase for your business, you’ll want to consider taking advantage of the introductory 0% APR period on both the Ink Business Cash card and the Ink Business Unlimited card. Purchases made during this 12-month period will not incur interest rate charges up until the period expires, which is 12 months from the card approval date.
After that, normal interest rates apply. You can review the current variable interest rates by clicking on the green Learn More links in the card tables above.
7. Shop Through Chase
You can earn lots of bonus points/cash-back via the Chase shopping portal. Log in to the Chase Ultimate Rewards portal and select Earn Bonus Points at the top of the page.
8. Special Bonus Offers
If you are a Chase business cardholder, you’ll also want to watch your email for special bonus earnings offers.
Bottom Line: You’ll earn cash-back on every purchase your business makes and receive bonus earnings in specific purchase categories with your Chase business credit card. To maximize additional earnings, consider the advantage of the introductory 0% APR for any large purchases, check the Chase Shopping portal prior to making a purchase at your favorite merchant, and watch your email for special bonus-earning promotions.
Everything Else You Need To Know
None of the Chase cards we’ve discussed today charges an annual fee. However, all of our featured cards, with the exception of the Prime Visa card, do charge foreign transaction fees of 3%.
Chase has limitations on card approvals. If you’ve been approved for more than 5 cards from any issuer, in the past 24 months, you will not be approved. To learn more about this rule, you’ll want to review our article on the Chase 5/24 rule before applying.
Final Thoughts
If you’re looking for a cash-back rewards card, any of these Chase options could be an excellent choice. Be sure to match reward categories to your specific spending mix, review redemption options to make sure there’s alignment with your preferences, and check the list of card benefits and protections for those you’ll actually use.
A Chase cash-back card can offer a lot of value, especially when paired with a Chase premium card. Whether personal or business, points can be transferred between cards, allowing you to realize the best earning potential plus the highest value at redemption time, even if each of these is on different cards!
Learn more about the best credit card combinations in our helpful article that gives you examples of cards that compliment each other when earning and redeeming rewards.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Rise℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Thirdman via Pexels
Frequently Asked Questions
Which is the best Chase cash-back card?
Chase issues 2 excellent cash-back earning personal cards: the Freedom Flex card and the Freedom Unlimited card. Neither card charges an annual fee and both cards have bonus categories that allow you to earn cash-back rewards faster.
Additionally, the cards come with several benefits and protections.
How can I use my Chase cash-back rewards?
Cash-back earned on your Chase card is earned first as points that can be redeemed for cash-back, a statement credit, for travel via the Chase travel portal, gift cards, online shopping, or you can request a check or bank deposit.
Points can also be transferred to Chase premium cards and then subsequently redeemed for travel for up to 1.5 cents per point (versus 1 cent per point) or transferred to airline and hotel partners to redeem for award flights or free hotel nights.
To redeem your rewards, log in to your online Chase card account and under Ultimate Rewards click on the Use or Redeem option.
Do Chase cash-back cards charge foreign transaction fees?
The Freedom Flex card, Freedom Unlimited card, Freedom Rise card, Ink Business Cash card, and Ink Business Unlimited card all charge foreign transaction fees.
Is there a limit on Chase cash-back?
There can be but it differs by card. Bonus-category spending, depending on the card, may have a quarterly, calendar year, card anniversary year, or purchase amount limit.
For non-bonus spending, there is normally no cap or purchase amount limit.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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