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18 Best Ways To Earn Lots of Chase Cash-back Rewards [2024]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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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.

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 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.

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:

Chase Freedom Flex℠

Chase Freedom Flex℠
U.P. Rating 
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
0% Intro APR for 15 months from account opening 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 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
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.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Chase Freedom Unlimited®

Chase Freedom Unlimited®
U.P. Rating 
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!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 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 Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
  • 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 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, 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
Rewards Center

Chase Ultimate Rewards

Chase Freedom Rise℠ Credit Card

Chase Freedom Rise℠
U.P. Rating 
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 Chase Freedom Rise card is the perfect option for those starting their credit journey that also want to earn cash-back rewards.
$0
26.99% Variable
Pros
  • 1.5% cash-back on all purchases
  • 5% cash-back on Lyft rides (through March 2025)
  • No annual fee
Cons
  • High APR
  • Charges foreign transaction fees
  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise℠
  • Earn Cash Back - With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Chase cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise℠ Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise℠ card.
  • Member FDIC
Financial Snapshot
  • APR: 26.99% Variable
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
Rewards Center

Chase Ultimate Rewards

Prime Visa Card

Prime Visa Card
U.P. Rating 
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 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
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: $0

Earn Lots of Cash-back on Chase Personal Credit Cards

Park Hyatt Maldives overwater villa
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.

Freedom Flex Earnings
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 APR offer, 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 intro 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

man at office supply stationary store
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.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card
U.P. Rating 
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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$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
Cons
    • 3% foreign transaction fee
  • Earn $750 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
Rewards Center

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card
U.P. Rating 
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 $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$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
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • 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
Rewards Center

Chase Ultimate Rewards

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.

Ink Business Cash Earnings
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. 

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.

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About Christine Krzyszton

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.

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