Today we're going to make the ultimate credit card Tier list for every chase credit card
currently available to help you decide which products are best for you.
What is going on everyone I hope you are all having a fantastic day.
We have got a lot to cover in this video so from the start I will say there are chapter
cards down below if you wanted to go back to any specific products and I'll also link
to some of my full reviews that I've done on many of these products down belwo the like
button.
So chase currently has 36 credit cards that range from personal products the business
products airline credit cards cash back credit cards and everything in between so we're going
to focus on the personal credi cards form chase and trust me that is plenty to make
your head spin on its own so first up is the Chase Freedom Unlimited card.
This is probably the most popular cash back credit card from chase currently offering
a $200 bonus when you spend just $500 in the first three months and 5% cash back on gas
stations on up to $6000 in your first year.
This product has no annual fee and also gives you 5% cash back on travel purchases through
chase, 3% on dining including it take out and delivery and 1.5% back on all other purchases.
It's a great product but we've got even better products to come so let's put it in the A
tier.
A common debate is between the chase freedom unlimited card and our next product which
is the chase freedom flex.
This card offers the exact same signup bonus that we just talked about and also has no
annual fee but in place of the 1.5% cash back on everything you instead earn just 1% on
all purchases but receive 5% cash back on specific rolling categories on up to $1500
in purchases each quarter.
This is a very similar structure to something like the discover it credit card and considering
it still offers you the same 5% back on chase travel purchases and 3% on dining including
takeout and drug stores, you’ll want to carefully look at your spending habits to
decide which of these first two products is best for you.
I don't love having to track spending multipliers so I'll be putting this one in the C tear.
These next three products are all southwest rapid rewards cards the cheapest of which
being the rapid rewards plus coming in at $69 per year.
This offers you 50,000 points after you make your first qualifying purchase as well as
3000 anniversary points, two points per dollar on all southwest purchases and one point on
everything else.
The rapid rewards premier is slightly more expensive at $99 per year and offers you the
same 50,000 point bonus, 6000 anniversary points each year and three points on all southwest
purchases with the same one point on everything else.
And lastly we have the rapid rewards priority card which at $149 per year again has the
same 50,000 point sign up bonus but gives you a $75 annual southwest credit, 75,000
anniversary points each year as well as three points on all southwest purchases.
All three of these cards are different levels of ehhh and as I've said before I personally
don't like brand specific credit cards so I'll be putting all three of these in this
C tier.
Sticking with the ladders of brand specific cards for a second united actually offers
four different credit cards that range from not really worth it to insanly expensive.
First we've got the united gateway card which has no annual fee gives you a 20,000 mile
bonus after your first qualifying purchase and two miles on all united purchases, gas
stations, local transit, and commuting plus 25% back on all in flight united and club
purchases with no foreign transaction fees.
Nothing to write home about here so I'll be putting this one in the B tier.
But second is the United explorer card giving you 50,000 miles after a qualifying purchase,
2 miles on united purchases, dining, and hotel stays plus a free checked bag all for just
$95 per year with the first year's annual fee being waived.
The free checked bag alone is worth it in my opinion so this one will go in the A tier.
There's two other pretty crazy products from united but we're going to save those for later
as we work our way up to some of the most expensive credit cards that chase offers.
Switching over to the hospitality side of things we've got the Marriott Bonvoy which
has no annual fee gives you 30,000 points after you spend $1000 in the first three months
and a fairly random assortment of points that are not clearly specified so I'll be putting
this one in the C tier.
But Marriott also offers the Bonvoy boundless card which gives you three free nights after
you spend $3000 in the first three months plus the same random assortment of point multipliers
for $495 per year which is expensive but easily pays for itself and for that reason alone
I'll be putting this card in the A tier.
Similar to Marriott, IHG also offers a no annual fee card called the rewards traveler
card giving you 80,000 points when you spend $2000 in the first three months and point
rewards on every purchase but if you're going to lock yourself into a specific hotel brand
you're probably better off with the IHG rewards premier so I'll be putting the rewards traveler
in the B tier.
The reward premier card gives you 140,000 points and a free night after you spend $3000
in the first three months and up to 26 points per dollar on specific purchases all four
$99 per year so I'll be putting this card in the a-Tier.
Switching back to airlines, Iberia, air Lingus, and British Airways all have their own credit
cards with chase and all offer the same 100,000 Avios bonus points If you spend $20,000 in
your first year but you'll still get 75,000 avios points If you spend $5000 or more.
All three of these cards come in at $95 per year and Offer identical point multipliers
that can be used interchangeably across all three of these alliance airlines so I'll be
putting all three of these cards in the C tier.
We are officially halfway and with so many cards in the C tier, this has been kind of
a snooze so far but don't worry we still have some of the best chase credit cards yet to
come including one of my favorite credit cards on the market across the board.
Stepping away from the airline credit cards for a second we have two Amazon rewards cards
the first of which being the Amazon rewards visa card which gives you a $50 Amazon gift
card as well as 3% back at Amazon.com, gas stations and drugstores and 1% back on everything
else and considering this card has no annual fee it's basically free money so let's put
this card in the A tier.
The only reason you wouldn't get that last product is if you are an Amazon prime member
because in that case you'd be better off getting the Amazon prime rewards visa card.
This again has no annual fee assuming that you are of course an Amazon prime member and
gives you a $100 Amazon gift card plus 5% back on all Amazon purchases, 2% back at restaurants,
gas stations and drugstores and 1% on everything else.
I've personally had this card for a long time and if you make any purchases on Amazon then
it is a no brainer so for the first time today I'll be putting the amazon prime visa card
in the s tier.
On the other end of the spectrum however we have two cards that are laughable starting
with the chase freedom student credit card.
Now honestly with no annual fee and a $50 bonus plus 1% cash back on all of your purchases
this card isn't that terrible but considering discover owns the market in the student credit
card space, I just don't see any reason why this card even exists so I'll be putting this
one in the D tier and as if things couldn't get much worse than that, we have the slate
edge credit card which also has no annual fee and is essentially meant to be used as
a balance transfer card offering you a low intro APR for the first 18 months, no planning
fees, a lowering interest rate by 2% each year and some other completely pointless benefits
that only apply if you aren't using a credit card properly so this one will also be going
in the D tier and if there was anything lower it would probably go there instead.
Sticking with our theme of why in the world does this exist, before we get to some of
those more awesome products we have the Disney visa and Disney premier visa cards.
I won't read you all of the benefits of these pointless products because if you know you
know but unless you are a Disney Vacation Club member or just absolutely obsessed with
all things Disney then I don't even know why these products exist considering they give
you Disney reward dollars so despite the fact that I love a trip to Disney World just as
much as the next guy, both of these products also belong in the D tier.
Alright maybe I've been a little harsh with these past few cards so next let's look at
what is probably the most popular chase credit card if not the most popular credit card period
and that of course is the chase sapphire preferred.
This is the little brother to another product that we'll talk about later but for just $95
per year you're looking at a 60,000 point bonus when you spend $4000 in the first three
months plus premium dining and travel rewards with five points per dollar on chase travel
purchases, three points on dining at restaurants including a delivery services, and two points
on all other travel purchases.
This card just gives you a lot of premium benefits for a low annual fee which is why
it's one of the most popular mid tier travel cards that I feel belongs in the S tier.
Our last hospitality card is the world of Hyatt credit card which gives you 60,000 bonus
points as a sign up offer plus four points per dollar on Hyatt hotels and five points
on eligible world of Hyatt member purchases.
The signup offer is confusing with multiple hoops to jump through and the point multipliers
make no sense if you don't frequently stay at Hyatt properties so I hate to say it but
for $95 per year this product also belongs in the D tier.
The Aeroplan card is another airline specific product giving you 70,000 points after you
spend $3000 in the first three months as well as various point multipliers on shopping and
travel purchases but again at $95 per year it's just bad and I don't know why you would
get something like this over something like the sapphire preferred so I'll be putting
this one in you guessed it the d tier.
Alright we have three of the craziest products remaining but before we get to that we have
the last of the why in the world does this exist products and that is the Instacart MasterCard.
This sounds ridiculous and it kind of is but you do get a free year of Instacart plus and
a $100 Instacart credit plus you get 5% back on Instacart purchases as well as travel purchases
through chase and 2% back at restaurants, gas stations and select streaming services
all for no annual fee so as odd as it is that this product exists it's tough to argue with
free cash especially when it's free food so I'm actually going to put this one in the
a tier.
Alright I know we have been all over the map with this one but hold onto your wallets 'cause
things are about to get very expensive.
The third of four united credit cards is the United quest card coming in at $250 per year
and giving you a 70,000 point bonus after a qualifying purchase and $125 in annual united
credits, anniversary bonuses, 3 miles per dollar on united purchases and two miles on
other travel purchases so while it's not the most compelling products in the world, if
you do fly with united which is a fairly major airline then this might be worth it so I'll
be putting it in the B tier.
But if you thought that was crazy the last united card is the United club infinite card
which for $525 per year gives you an 80,000 point bonus upon your first qualifying purchase,
instant access to the United club lounges plus two free checked bags and the ability
to earn four points per dollar on united purchases and two points on all other travel purchases.
Honestly this one is almost easier to justify in my mind even when compared to the last
card just because of that club lounge access and the two free checked bags but that still
hinders on whether or not you travel united so because of that I'm still going to be putting
this card in the B tier.
Alright and last but not least we have the king of the chase credit cards, at least in
terms of the annual fees and that would be the chase sapphire reserve coming in at $550
per year plus $75 for each authorized user if we're being technical.
For that whopping annual fee you get a lackluster 60,000 point bonus when you spend $4000 in
the first three months which is laughable as well as five points on flights and 10 points
on hotels and rental cars booked through chase ultimate rewards but that only applies after
you spend your first $300 on travel annually.
This card used to be so compelling and beyond being a status symbol was at the top of the
premium credit card space.
But with increased competition, a higher annual fee, and benefits that get beat out by many
$95 annual fee credit cards, the sapphire reserve is a shell of its former self so while
I know I will be belittled in the comments section for this I truly believe that for
such a high annual fee the sapphire reserve belongs in the D tier.
So there you have it that is our ultimate chase credit card tier list but as always
this is just my opinion and I'm sure there are a lot of things on here that many of you
disagree with so I would like to know what you feel I got wrong on this list and what
your favorite and least favorite chase credit cards currently are and why.
Again be sure to check out some of my favorite financial tools using those links down below
the like button as well as some of the full reviews that I have done on several of the
products we talked about in today's video.
Thank you so much for your time I really do appreciate it so much take it easy and I'll
see you in the next one!