Chase review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Chase suits people who want one big US bank for everyday spending and a no annual fee credit card with cash back on top. The credit side has an annual fee of $0 and cash back of 1.5%, while the debit account charges $15 a month.
Key facts
- Best for
- US spending with a cash back credit card and a current account under the same name.
- Monthly fee
- $15 (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- JPMorgan Chase Bank, N.A. (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- chase.com
Credit cards
- Annual fee
- $0 (Source, checked September 26, 2026)
- APR
- 18.24% to 27.74% (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1.5% cash back on other purchases, 3% dining and drugstores, 5% Chase Travel (Source, checked September 26, 2026)
- Balance transfer intro period
- 15 months (Source, checked September 26, 2026)
- Balance transfer fee
- 5% (Source, checked September 26, 2026)
- Credit needed
- Good (Source, checked September 26, 2026)
- Perks
- $200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers, Free credit score and alerts with Chase Credit Journey, No minimum redemption value for cash back, FDIC insured (Source, checked September 26, 2026)
- Cashback rate
- 1.5% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- JPMorgan Chase Bank, N.A. (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
Pros and cons
Pros
- The credit card has an annual fee of $0 and pays 1.5% back on other purchases
- A balance transfer offer runs for 15 months at a fee of 5%
- Perks include free credit score and alerts with Chase Credit Journey, plus no minimum redemption value for cash back
- The legal entity is JPMorgan Chase Bank, N.A., and the card perks list FDIC insurance
Cons
- The debit account carries a monthly fee of $15
- Purchases APR runs 18.24% to 27.74%, and the currency conversion charge is 3%
- Support runs on help centre only
Who it suits
- You want a cash back credit card with an annual fee of $0
- You are clearing a balance and value the 15 month intro period
- You want your current account and credit card under one bank name
Who should look elsewhere
- Varo Believe Secured Credit Card, if you want a monthly fee of $0
- Wise, if you want a monthly fee of £0
- Chime Card (Secured Visa Credit Card), if you want a monthly fee of $0
Rates and card terms
The credit card charges an annual fee of $0 and sets a purchases APR of 18.24% to 27.74%. Balance transfers get an intro period of 15 months, with a transfer fee of 5%. Cash back is 1.5% on other purchases, and the rewards rate runs higher on dining, drugstores and Chase Travel, with no minimum redemption value. Card perks also list an intro APR offer on purchases and balance transfers, plus free credit score and alerts with Chase Credit Journey.
The company behind it
The account is held by JPMorgan Chase Bank, N.A.. Support runs on help centre, so day to day help is handled through written guidance rather than a direct line. On the safety side, the card perks list FDIC insurance, which is what covers deposits held at the bank. The card type is debit and the card kind is credit, and the rewards type is cashback.
How Chase compares
8.2 vs 9.4
8.2 vs 9.0
8.2 vs 8.9
8.2 vs 9.2
8.2 vs 8.8
8.2 vs 8.5
8.2 vs 8.5
8.2 vs 9.0
8.2 vs 8.8
8.2 vs 8.8
8.2 vs 8.7
8.2 vs 9.2
8.2 vs 9.0
8.2 vs 8.9
8.2 vs 8.8
8.2 vs 9.6
8.2 vs 9.4
8.2 vs 9.4
8.2 vs 9.2
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 8.8
8.2 vs 8.8- 8.2 vs 8.8
- 8.2 vs 8.8
8.2 vs 8.8- 8.2 vs 8.8
8.2 vs 8.5
8.2 vs 8.5
8.2 vs 8.5
8.2 vs 8.3
8.2 vs 8.2
8.2 vs 8.0
8.2 vs 8.0
Frequently asked questions
What does the Chase debit account cost each month?+
The current account carries a monthly fee of $15, which is above the site median of €0. The card type is debit, so the money comes straight out of the account you hold with the bank.
Is there an annual fee on the Chase credit card?+
The annual fee is $0, and the model is no annual fee. That makes the card a no annual fee option, matching what most of the site listings charge, where the median is €0.
How much interest do I pay if I carry a balance?+
Purchases APR runs 18.24% to 27.74%, against a site median of 20.97%. The card kind is credit and the credit needed is described as good, so a balance means paying interest unless you use an intro offer.
Does Chase offer a balance transfer deal?+
Yes, the balance transfer intro period is 15 months and the balance transfer fee is 5%. Perks also list an intro APR offer covering purchases and balance transfers, so it suits clearing an existing balance.
How do the rewards work?+
The rewards type is cashback and the headline cash back rate is 1.5% on other purchases. Rates run higher on dining, drugstores and Chase Travel, there is no minimum redemption value, and the feature list includes a welcome bonus.
What happens when I spend abroad?+
The currency conversion charge is 3%, compared with a site median of 1% and a lowest group rate of 0%. A high foreign spend erodes the 1.5% back you earn on other purchases.
Is my money protected?+
The card perks list FDIC insurance, which covers deposits held at the bank. The account is held by JPMorgan Chase Bank, N.A., and the card kind is credit rather than a charge card, so purchases are repaid on the card terms.
How do I get help if something goes wrong?+
Support runs on help centre, so you get written guidance rather than a direct channel. If you would rather have a help centre plus other routes to a person, the site median support mix sits at 75.6%.
Sources
- chase.com checked September 26, 2026
Backs: Legal entity
“JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.”
- chase.com/credit-cards checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Features, Pricing model, Rewards type, Support channels
“Chase Freedom Unlimited(R) credit card - Earn a $200 bonus; Earn unlimited 1.5% cash back or more on all purchases; No Annual Fee”
- chase.com/personal/checking/total-checking checked September 26, 2026
Backs: Card type, Monthly fee
“you'll get reimbursed for unauthorized charges on your debit card when reported promptly”
- nerdwallet.com/reviews/credit-cards/chase-freedom-unlimited checked September 26, 2026
Backs: APR, Balance transfer fee, Balance transfer intro period, Credit needed, Currency conversion fee, Perks, Rewards rate
“APR: 18.24%-27.74% Variable APR (Chase Freedom Unlimited)”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Chase
US spending with a cash back credit card and a current account under the same name.