Most Used Chase Credit Cards for Cashback

Chase Freedom Unlimited® Credit Card, Chase Freedom Flex® Credit Card, Chase Ink Business Cash® Credit Card, Chase Freedom Rise® Credit Card, Chase Ink Business Premier® Credit Card, and many other Chase credit cards for individuals who enjoy cashback rewards on the purchases they make of different categories such as travel, dining, grocery stores, and many other purchases. Some of these cards do not charge any annual fee, provide a sign-in bonus, and offer low interest rates in the starting period. 

Summary TLDR

Top 9 Chase Credit Cards for Cashback

Best Chase Credit Cards for Cashback 2025

1. Chase Freedom Unlimited® Credit Card

The Chase Freedom Unlimited® Card offers high cashback rewards on various purchases such as travel, dining at restaurants, drug stores, gas stations, and many other purchases.

Cashback Rewards

Issuer		Chase
Payment Gateway		Visa
Credit Score		Good-Excellent
Intro APR		0% for 15 months
Regular APR		20.24%–28.99%
Sign-up Bonus		$200 after $500 spent in 3 months
Balance Transfers		20.24%–28.99%
Best For		General Consumers

The Chase Freedom Unlimited® Card is designed for everyday spending. Issued by Chase, it offers unlimited cash back on all purchases and helps manage expenses efficiently. It provides flexibility in earning rewards.

The card has no annual fee and offers 1.5% cash back on all purchases. The credit limit varies, and a good credit score is required. It also includes a referral program and purchase protection.

Key Features:

• Cashback Rewards
• 5% on Travel Purchases
• No Annual Fee

Reward Rate:

• 1.5% unlimited cashback on all purchases
• 3% cash back on dining & drugstores

Other Information:

• Charges 5% or $10 Cash Advance Fee
• Charges 3% International Transaction fee

Pros & Cons of Chase Freedom Unlimited® Credit Card

Expert Advice:

The Chase Freedom Unlimited® Card is a great cashback card that offers high cashback rates with no minimum redemption amount. This card has no annual fee and provides a 0% introductory APR for the first 6 months on purchases and balance transfers. Chase Freedom Unlimited® Card offers 3% cashback on dining at restaurants, including takeout, as well as on drugstore purchases, and earn upto 1.5% cashback on all purchases. For travel expenses made through Chase Travel, you can earn an impressive 5% cashback.

2. Chase Freedom Flex® Credit Card

The Chase Freedom Flex℠ Card offers various other benefits to the Chase cardholders, such as high cashback rewards on various purchases such as travel, dining, drug stores, gas stations, and many others.

Cashback Rewards

Issuer		Chase
Payment Gateway		Mastercard
Credit Score		Good-Excellent
Intro APR		0% for 15 months
Regular APR		20.24%–28.99%
Sign-up Bonus		$200 after $500 spent in 3 months
Balance Transfers		20.24%–28.99%
Best For		*General Consumers *Budget Shoppers

The Chase Freedom Flex℠ Card is designed for everyday spending. Issued by Chase, it offers cash back on various categories and helps manage expenses efficiently. It provides flexibility in earning rewards.

The card has no annual fee and offers 5% cash back on rotating categories. The credit limit varies, and a good credit score is required. It also includes a referral program and purchase protection.

Key Features:

• No Annual Fee
• Rotating Categories
• 5% Cashback on Travel Purchases
• 5% Cashback on upto $1,500 Purchase in Quarterly Bonus Categories

Reward Rate:

• 5% cash back on rotating categories 
• 3% cash back on dining & drugstores

Other Information:

• Charges 3% International Transaction Fee
• Charges 5% or $10 Cash Advance Fee

Pros & Cons of Chase Freedom Flex® Credit Card

Expert Advice:

The Chase Freedom Flex℠ Card is a great option for people who are interested in cashback rewards, including students. It does not charge any annual fee and it charges 0% intro APR for 15 months. It offers approx  5% cashback rewards on upto $1,500 on combined purchases in quarterly bonus categories and many other additional cashbacks on different purchases such as dining at restaurants along with takeout, drugstore purchases, travel, and other purchases.

3. Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash® Card is an excellent choice for those who appreciate cashback rewards on their purchases. It offers a welcome bonus of $750 in cashback, along with additional cashback on various spending categories, such as dining, fuel, and more.

Cashback Rewards

Issuer		Chase
Payment Gateway		Mastercard
Credit Score		Good-Excellent
Intro APR		0% for 12 months
Regular APR		18.24%–24.24%
Sign-up Bonus		$750 cash back after $6,000 spent in 3 months
Balance Transfers		18.24%–24.24%
Best For		Small Business Owners

The Chase Ink Business Cash® Card is issued by Chase and offers 5% cash back on office supplies and select utilities, with no annual fee. It benefits small businesses by maximizing rewards on everyday expenses.

The card has no annual fee and offers employee cards at no additional cost. It provides a credit limit based on your business needs and requires a good credit score. The referral program allows you to earn rewards by referring others.

Key Features:

• No annual fee
• Earn high cashback on business expenses. 
• The credit line increases every six months
• Get 5% cashback on Lyft rides.

Reward Rate:

• 5% cash back on office supplies & internet/phone services 
• 2% cash back at gas stations & dining

Other Information:

• Charges 3% International Transaction Fee
• Charges 5% or $10 Cash Advance Fee

Pros & Cons of Chase Ink Business Cash® Credit Card

Expert Advice:

The Chase Ink Business Cash® Card is considered as a good option for small business owners who enjoy cashback rewards along with 0 annual fee and offers 0% intro APR for 12 months on purchases and balance transfers. This card offers 5% cashback on the first $25,000 spent at office supply stores, as well as on internet, cable, and phone services. Additionally, it provides 2% cashback on the first $25,000 spent at gas stations and restaurants. Students can also earn up to 20,000 bonus points by referring others.

4. Chase Freedom Rise® Credit Card

The Chase Freedom Rise℠ Card is an excellent choice for individuals looking to earn cashback on their purchases. This card provides 1.5% cashback on all transactions, making it a versatile option for everyday spending. New cardholders can receive around $25 in statement credit by enrolling in automatic payments.

Cashback Rewards

Issuer		Chase
Payment Gateway		Visa
Credit Score		Fair-Good
Intro APR		0% for 6 months
Regular APR		27.24%
Sign-up Bonus		$25 after first purchase in 3 months
Balance Transfers		27.24%
Best For		*Credit Builders *Students

Chase Freedom Rise℠ is a solid starter credit card for those building credit. It offers 1.5% cash back on every purchase and has no categories to track, making it a simple and effective way to earn rewards while improving credit.

This card has a $0 annual fee and requires a fair credit score. Chase provides tools like credit monitoring, automatic credit limit reviews, and fraud protection. It does not have a referral program but includes benefits such as purchase protection and extended warranties.

Key Features:

• No Annual Fee  
• Cashback Rewards Available  
• Build Your Credit Score  
• Get $25 When You Set Up Automatic Payments  
• Free Access to Your FICO Score

Reward Rate:

• 1.5% cash back on all purchases

Other Information:

• Charges 5% or $10 Cash Advance Fee
• Charges 3% International Transaction fee

Pros & Cons of Chase Freedom Rise® Credit Card

Expert Advice:

The Chase Freedom Rise℠ Card is an excellent option for individuals aiming to earn cashback rewards. It features no annual fee and provides a 0% introductory APR on both purchases and balance transfers for the first 6 months. Cardholders can earn 1.5% cashback on all transactions, with rewards that do not expire as long as the account remains active. People who enroll in automatic payments within the first three months can benefit from a $25 statement credit.

5. Chase Prime Visa

The Chase Prime Visa Card is designed for Prime members who enjoy online shopping and seek to earn cashback on their purchases. This card provides substantial cashback rewards on all transactions which makes it a flexible option for daily expenditures. New cardholders can also earn a gift card valued at approximately $100.

Cashback Rewards

Issuer		Chase
Payment Gateway		Visa
Credit Score		N/A
Intro APR		N/A
Regular APR		19.49%–28.24% variable
Sign-up Bonus		$100 Amazon Gift Card
Balance Transfers		N/A
Best For		Online Shoppers

Issued by Chase, the Prime Visa is designed for Amazon Prime members, offering 5% cashback on Amazon and Whole Foods purchases, 2% at gas stations, restaurants, and drugstores, and 1% on all other transactions. This card is best for frequent Amazon shoppers looking to maximize their savings.

The card has no annual fee but requires an active Amazon Prime membership ($139/year). Credit limits vary based on creditworthiness. A good credit score (670+) is recommended. Additional perks include travel insurance, extended warranty protection, and exclusive Prime Day discounts.

Key Features:

• Cashback Rewards
• $100 Gift Card
• No Annual Fee
• No International Transaction Fee
• Rotating Rewards

Reward Rate:

• 5% cash back on Amazon.com and Whole Foods Market purchases
• 2% cash back at restaurants, gas stations, and drugstores
• 1% cash back on all other purchases

Other Information:

• N/A

Pros & Cons of Chase Prime Visa

Expert Advice:

The Chase Prime Visa Card represents an excellent cashback card for online consumers who are interested in earning cashback rewards on their transactions. This card does not charge an annual fee and provides a $100 Amazon gift card to new cardholders. Users can benefit from substantial cashback rewards across various categories: 5% on purchases made at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and drugstores, and 1% on all other transactions. This structure allows for significant savings and rewards for frequent shoppers.

6. Chase Amazon Visa

The Chase Amazon Visa Card is for individuals who enjoy online shopping and are looking to earn cashback on their purchases. This card provides high cashback rewards on all transactions which makes it a versatile option for everyday spending. New cardholders can receive around $50 gift card.

Cashback Rewards

Issuer		Chase
Payment Gateway		Visa
Credit Score		N/A
Intro APR		N/A
Regular APR		19.49%–28.24% variable
Sign-up Bonus		$50 Amazon Gift Card
Balance Transfers		N/A
Best For		Online Shoppers

Issued by Chase, the Prime Visa is designed for Amazon Prime members, offering 5% cashback on Amazon and Whole Foods purchases, 2% at gas stations, restaurants, and drugstores, and 1% on all other transactions. This card is best for frequent Amazon shoppers looking to maximize their savings.

The card has no annual fee but requires an active Amazon Prime membership ($139/year). Credit limits vary based on creditworthiness. A good credit score (670+) is recommended. Additional perks include travel insurance, extended warranty protection, and exclusive Prime Day discounts.

Key Features:

• Cashback Rewards
• $50 Gift Card
• No Annual Fee
• No International Transaction Fee
• Rotating Rewards

Reward Rate:

• 3% cash back on Amazon.com and Whole Foods Market purchases
• 2% cash back at restaurants, gas stations, and drugstores
• 1% cash back on all other purchases

Other Information:

• N/A

Pros & Cons of Chase Amazon Visa

Expert Advice:

The Chase Amazon Visa Card is an excellent option for online shoppers who aim to earn cashback rewards on their purchases. It features no annual fee and provides a $50 Amazon gift card for new cardholders. Cardholders can earn high cashback rewards on all transactions, such as 3% on Amazon.com and Whole Foods Market, 2% cashback at restaurants, gas stations, and drugstores, and 1% cashback on all other purchases.

7. Chase DoorDash Rewards Mastercard®

The Chase DoorDash Rewards Mastercard® is for individuals who enjoy cashback rewards on dining or food deliveries. This card provides high cashback rewards on all transactions, which makes it a versatile option for everyday spending. New cardholders can receive around $100 cash bonus.

Cashback Rewards

Issuer		Chase
Payment Gateway		Mastercard
Credit Score		Good-Excellent
Intro APR		N/A
Regular APR		19.24%–27.99% variable
Sign-up Bonus		$100 cash bonus after spending $500 in the first 3 months
Balance Transfers		19.24%–27.99% variable
Best For		*Food Delivery Users *Dining Enthusiasts

The Chase DoorDash Rewards Mastercard® is designed for food delivery enthusiasts, offering 4% cashback on DoorDash and Caviar purchases, 3% on dining, 2% on groceries, and 1% on everything else. It provides a complimentary DashPass membership for the first year, helping users save on fees and delivery costs.

No annual fee, but a good credit score (670+) is needed. Credit limits vary based on creditworthiness. Cardholders get purchase protection, extended warranty, and exclusive access to special dining deals.

Key Features:

• Cashback Rewards
• No Annual Fee
• Dining Rewards
• Grocery Rewards

Reward Rate:

• 4% cash back on DoorDash and Caviar orders
• 3% cash back on dining when purchased directly from a restaurant
• 2% cash back on grocery stores, online or in-store
• 1% cash back on all other purchases

Other Information:

• N/A

Pros & Cons of Chase DoorDash Rewards Mastercard®

Expert Advice:

The Chase DoorDash Rewards Mastercard® is an excellent option for dining enthusiasts or food delivery users who aim to earn cashback rewards on their purchases. It features no annual fee and provides $100 to new cardholders after spending $500 in 3 months. Cardholders can earn high cashback rewards on all transactions, such as dining, grocery store, online or in-store, and on many other purchases.

8. Chase Instacart Mastercard®

The Chase Instacart Mastercard® is designed for individuals who enjoy earning cashback on grocery shopping. This card provides substantial cashback rewards on many other purchases which makes it a flexible option for daily expenditures.

Cashback Rewards

Issuer		Chase
Payment Gateway		Mastercard
Credit Score		N/A
Intro APR		N/A
Regular APR		19.24% – 27.99%
Sign-up Bonus		$50 Instacart credit automatically upon approval
Balance Transfers		N/A
Best For		Grocery Shoppers

Ideal for grocery shoppers, the c offers 5% cashback on Instacart purchases, 2% on restaurants, gas stations, and select streaming services, and 1% on other purchases. It includes a free Instacart+ membership for the first year, enhancing savings on grocery deliveries.

No annual fee, and it requires a good credit score (670+). Credit limits depend on creditworthiness. Additional benefits include purchase protection, extended warranties, and exclusive discounts on groceries and dining.

Key Features:

• Cashback Rewards
• No Annual Fee
• No International Transaction Fee
• Purchase Protection
• Auto Rental Coverage
• Grocery Rewards

Reward Rate:

• 5% cash back on Instacart app and Instacart.com purchases 
• 5% cash back on travel purchased through the Chase Travel Center
• 2% cash back at restaurants, gas stations, and on select streaming services
• 1% cash back on all other purchases

Other Information:

• N/A

Pros & Cons of Chase Instacart Mastercard®

Expert Advice:

The Chase Instacart Mastercard® represents an excellent cashback card for grocery shoppers who are interested in earning cashback rewards on their transactions. This card does not charge an annual fee. Users can benefit from substantial cashback rewards across various categories: 5% on purchases made at the Instacart app and Instacart.com purchases, 5% on travel purchased through the Chase Travel Center, and 1% on all other transactions. They also offer other benefits such as auto rental coverage, purchase protection for new purchases for 120 days, and many more.

9. Chase Ink Business Premier® Credit Card

The Chase Ink Business Premier® Credit Card offers high cashback rewards on various business and other purchases, such as cashback on left rides.

Cashback Rewards

Issuer		Chase
Payment Gateway		Visa
Credit Score		Good-Excellent
Intro APR		N/A
Regular APR		21.24%–29.24%
Sign-up Bonus		100,000 points after $10,000 in 3 months
Balance Transfers		21.24%–29.24%
Best For		*Small Business *High Spenders

The Chase Ink Business Premier® Credit Card is designed for businesses with high expenditures, offering unlimited 2% cash back on all purchases and 2.5% on purchases over $5,000. It is a great option for businesses making large transactions and wanting simple, high-value rewards.

The annual fee is $195, and the required credit score is good to excellent. This card offers high credit limits, free employee cards, purchase protection, and trip cancellation insurance. Chase does not currently offer a referral program for this card.

Key Features:

• Business Rewards
• Large Purchases
• Cash Back Rewards
• Travel Rewards
• No International Transaction Fee

Reward Rate:

• 2.5% cash back on purchases $5,000+
• 2% on other purchases

Other Information:

• Charges $195 Annual Fee
• Charges 5% or $10 Cash Advance Fee

Pros & Cons of Chase Ink Business Premier® Credit Card

Expert Advice:

The Chase Ink Business Premier® Credit Card is a great cashback card that offers high cashback rates with a welcome bonus cashback of $1000 after spending after you spend $10,000 on purchases in your first 3 months. This card has no international transaction fee. Chase Ink Business Premier® Credit Card offers 2.5% cashback on large purchases, and people can earn upto 2% cashback on all other business purchases.

Table of Comparison

Methodology

The analysis provides a complete view of an individuals’ lifetime cashback benefit across different Chase credit cards based on different factors such as cashback rates, spending habits, potential bonus rewards, features, reward rates, and associated benefits to find out how much they could save or earn by choosing a specific card. For example, the Chase Freedom Unlimited® Card is highlighted for its unlimited 1.5% cashback on all purchases and 5% cashback on travel purchased through Chase Travel which makes it a strong contender for general consumers. 

Selection of the best Chase credit cards for cashback is done by considering various factors such as annual fees, introductory APR periods, and sign-up bonuses to provide a well-rounded assessment of each card’s overall value proposition. For instance, the Chase Freedom Flex® Credit Card is noted for its 5% cashback on rotating categories which can be appealing to budget shoppers who can strategically maximize their rewards. Furthermore, the Chase Prime Visa and Chase Amazon Visa cards are analyzed based on their specific benefits for online shoppers, with the former offering 5% cashback on Amazon and Whole Foods purchases for Prime members and the latter providing a solid 3% cashback for general Amazon shoppers. This multi-faceted approach ensures that readers can make informed decisions based on their individual spending patterns and financial goals.

Does Chase Credit Cards offer Cashback?

Yes, Chase credit cards offer cash-back rewards, which are bonuses cardholders receive when they use their cards to make purchases. These rewards can be in the form of dollars or points. Cashback is typically earned on select categories such as dining, travel, retail, and gas. The cashback amount you can earn is limited by a maximum within a specific time period.

How Cash Back Credit Cards Work

• You can earn cashback rewards by spending in a few different ways with a credit card:
  • Cards with flat-rate rewards provide the same percentage back on every purchase.
  • These cards offer cash back on pre-defined categories such as travel, groceries, or entertainment.
  • Some cards offer higher rewards in particular categories for a limited time, usually monthly or quarterly. Cardholders may need to activate these categories each quarter. For instance, Chase Freedom cardholders can earn upto 5% cash back at grocery stores, fitness clubs and gym memberships, and hair, nail, and many more.
• Types of Cash-back rewards that are typically paid out as cash or points:
  • Cash rewards may be issued as a check, a prepaid debit card, or as a credit on your monthly statement, depending on the card issuer.
  • Points may be redeemed through the card issuer’s reward portal and may hold more value than cash, depending on the card issuer’s relationships with merchants.

How Do Chase Credit Cards Help to Get Cashbacks on Purchases?

Chase credit cards offer cash-back rewards in the form of cash or points when cardholders make purchases. Cardhorlders can earn these rewards in various categories such as dining, travel, everyday spending, drugstores and many more. 

Here are examples of how Chase credit cards help you get cash back on purchases:

1. Chase Freedom Unlimited: Earn unlimited 1.5% cash back on every purchase and 5% cash back on travel purchases such as hotel and flight bookings and many more through Chase Travel and 3% cash back on dining and drugstores.
2. Chase Freedom Flex: You can earn 5% cash back on up to $1,500 in combined purchases within bonus categories that you may require to activate each quarter. It also offers 5% cash back on all travel purchases done through Chase Travel and 3% cash back on dining and drugstore purchases.

Choosing the Best Chase Credit Card for Cashback

To choose the best Chase credit card for cashback, consider the following selection criteria:

• Annual Fees: You should assess whether the card has an annual fee or not, and if yes, then does it justifies the benefits provided by the card. For instance, the Chase Freedom Unlimited has no annual fee which makes it more appealing for users who want easy cashback without any additional costs.
• Sign-Up Bonuses: You must look for introductory offers that can significantly increase your cashback earnings in the first few months. Some cards may offer you cash bonuses after spending a minimum amount which is required to gain the bonus in a specified timeframe. 
• Redemption Options: You must consider the cashback redemption options that a particular card may offer. Some cards allow for direct cash back while others may offer points that can be redeemed for travel or other rewards. You should also ensure that the redemption process is convenient for you.
• Cashback Rates: You should consider two important categories while choosing the best credit card to earn cashback.

1. Flat Rate vs. Rotating Categories: Determine if you prefer a card with a consistent cashback rate (such as the Chase Freedom Unlimited which offers 1.5% on all purchases) or one with rotating categories (such as the Chase Freedom Flex which offers 5% cashback on specific categories that change quarterly).
2. Bonus Categories: You must check the categories that offer higher cashback rates. Common categories that are usually considered by most people include dining, travel, groceries and gas. Chase cards such as the Chase Freedom and Freedom Flex provide 5% cash back on selected categories up to a certain spending limit each quarter.

• Credit Score Requirements: Be aware of the credit score needed to qualify for the card. Chase cards typically require a good to excellent credit score (often above 700) for approval. Check your credit score and consider factors such as income and existing credit before applying.
• Additional Benefits: Check if the card has any additional benefits such as purchase protection and extended warranties along with travel insurance because they can enhance your credit card’s value other than the cashback benefits.
• Spending Habits: You must look for a credit card that matches with your spending habits by using its rewards system. If you are a frequent spender then you must choose a card that offers maximum cashback rewards in various categories such as dining or travel se areas.

Advantages of Chase Credit Cards

Cashback Chase credit cards offer several advantages that make them appealing to consumers looking to maximize their spending rewards.

Here are some of the key benefits given below:

1. Earning Cash Back on Everyday Purchases

Cashback credit cards allow users to earn a percentage of their spending back as cash rewards. For example, with Chase Freedom Unlimited, cardholders earn 1.5% cash back on all purchases, while the Chase Freedom Flex offers 5% cash back on rotating categories that change quarterly. This means that regular expenses like groceries, gas, and dining can yield significant rewards over time.

2.  Flexible Redemption Options

Chase provides multiple ways to redeem cash-back rewards, enhancing user convenience. 

• Statement credits to reduce the credit card balance.
• Direct deposits into a bank account.
• Gift cards for various retailers.
• Purchases directly from select merchants.

This flexibility enables users to decide how they wish to enjoy the rewards they’ve earned.

3. No Expiration of Rewards

Cashback rewards from Chase do not expire as long as the account remains open which allows users to accumulate rewards over time without the pressure of using them quickly. This feature is particularly beneficial for those who may not use their card frequently but still want to earn cash back.

4.  Welcome Bonuses and Promotions

Many Chase cashback cards offer attractive welcome bonuses for new customers who meet a specified spending requirement within the first few months. This can significantly boost initial cashback earnings. Additionally, promotional offers on specific categories can further enhance earning potential during certain periods.

5. Low Annual Fees

Chase cashback cards typically come with low or no annual fees which makes them accessible for a wide range of consumers. This means that cardholders can benefit from cashback rewards without incurring high costs associated with premium credit cards.

6. Encouragement of Responsible Spending

Using cashback credit cards responsibly can encourage better financial habits. Since these cards reward everyday spending rather than extravagant purchases, they promote budgeting and mindful spending practices.

Frequently Asked Questions

Which Chase credit card is best for cashback?

The Chase Freedom Unlimited® is widely regarded as the best for cashback, offering 1.5% on all purchases, with 5% on travel booked through Chase and 3% on dining and drugstore purchases.

Does Chase have 2% cash back?

Chase does not specifically offer a card that provides a flat 2% cash back rate; however, the Chase Freedom Unlimited® provides up to 5% in certain categories and 1.5% on all other purchases.

What is the best credit card with no annual fee and cashback?

The Chase Freedom Unlimited® and Chase Freedom Flex® are both excellent options with no annual fee, offering competitive cashback rates across various categories.

How do I get my cashback from Chase Credit Card?

Cashback from Chase credit cards can be redeemed easily through a statement credit or direct deposit into a U.S. checking or savings account, with no minimum redemption requirement.

How do I redeem my cashback reward earned through a Chase credit card?

To redeem cashback rewards, log into your Chase account online or via the mobile app, navigate to the rewards section, and choose whether to apply it as a statement credit or transfer it to your bank account