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November 2025's best chase credit cards are selected by wallethub editors from 1,500+ credit card offers Chase sapphire reserve gives you a $300 annual credit, which you can apply toward any travel purchase, whereas the platinum card® comes with numerous annual credits that cover a wide range of categories. Get expert help choosing the best chase card.

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The minimum chase credit card requirements include being at least 18 years old, having a good credit score of 700 or better, and earning enough income to afford monthly bill payments Chase sapphire reserve has a higher rewards rate You also need to have a social security number or international tax identification number

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Some requirements may vary depending on the card.

The chase credit card annual fees depend on the card Several chase credit cards come with a $0 annual fee, while others charge up to $795, annually In addition to the regular rate, chase credit cards come with a separate interest rate for cash advances and a penalty rate for delinquent payments The interest rates will be listed on the card's monthly statement and online account summary

You can learn more by reading wallethub’s guide to credit card interest rates. One other way to activate a chase credit card is by using their mobile app Your new chase credit card will be ready to make purchases in just a few minutes, regardless of which activation method you use. A chase credit card with no annual fee will save you money in the long run, as you’re not paying to use the card every year

But that shouldn’t deter you from applying for a chase card that charges an annual fee

If you travel regularly or plan to make a big purchase, you may end up earning enough rewards where the annual fee will pay for itself For example, the chase sapphire preferred. Write your credit card number on the check, too You can make a payment at any chase branch during normal business hours

In conclusion, there are multiple ways to make a chase payment, so just choose whichever method is easiest for you The important part is to not miss payments, as that can seriously damage your credit score. It’s worth applying for the chase freedom unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an annual fee. Chase credit card reviews, customer service info & faq

Learn more about chase credit cards, compare offers & get more from your chase credit card.