Edited by: Nick Ellis
& Kellie Jez
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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.
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.
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.
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.
This is because Chase cash-back is initially earned as points that can be redeemed for cash-back (and more) or transferred to premium Chase cards such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. Once transferred, your Ultimate Rewards points are worth up to 1.5 cents each towards purchasing travel via the Chase Ultimate Rewards Travel portal.
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.
These Chase cash-back rewards cards do not charge an annual fee and come with several benefits and protections:
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 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.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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.
The Chase Freedom Rise card is the perfect option for those starting their credit journey that also want to earn cash-back rewards.
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.
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.
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.
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.
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.
Every purchase you make with your Chase cash-back card will earn rewards.
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.
The Freedom Flex card and Freedom Unlimited card each earn 3% cash-back on dining and at drugstores.
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.
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.
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.
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.
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 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.
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
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
Let’s look at several options for earning lots of cash-back rewards on your Chase business card.
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.
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.
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.
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.
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.
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.
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.
If you are a Chase business cardholder, you’ll also want to watch your email for special bonus earnings offers.
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.
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.
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.
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.
The Freedom Flex card, Freedom Unlimited card, Freedom Rise card, Ink Business Cash card, and Ink Business Unlimited card all charge foreign transaction fees.
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.
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