What Is The Most Valuable Chase Personal Card? A New First Time Champion

Chase Personal Card Rankings – Most Valuable Welcome Offers

Some of the most valuable cards on the market are owned by Chase. They have a lot of rules when it comes to applications.

There will be no perks or earning structure included in the chart. I put in a minimum spend opportunity cost to give a better idea of the true cost after some people asked in the comments.

Some of the offers need to be spent in a specific area. They may give you free nights that you don't think you'll be able to use. Plug in your own calculations if you can't maximize those areas.

As offers change, be sure to bookmarks it for future reference.

There are some major changes on the list. For the first time, Bonvoy is the top ranked person. If you can max out all 5 free night certificates, you'll be in good shape.

Chase Personal Card Rankings – Most Value to Least Value

The chart doesn't include some of the lesser cards like the Disney cards.

The offers may have changed since they were posted.

Chase Personal Card Rankings – Card Overviews

The rankings will be updated as offers change.

Chase United Quest Card

The new top dog of Chase cards is the Chase United Quest card. The full details of the card can be found here.

The Chase United Quest card earning structure is as follows:

• 3x points per $1 spent on United purchases
• 2x points per $1 spent on all other travel purchases
• 2x points per $1 spent on select streaming and restaurant purchases
• 1x point per $1 spent on all other purchases
• Learn More

The complete card details are here.

Chase Sapphire Preferred

A lot of people start out with this card because it has a nice earning structure.

• 5X on Chase Travel purchases
• 3X on dining, select streaming and online grocery (excludes Target, Walmart & wholesale clubs)
• 2X points on travel
• 1X point per dollar spent on all other purchases.
• Get a 10% back in points anniversary bonus as well. This happens after you renew and pay an annual fee. It is based off of the money spent on the card. So if you spent $25,000 in a year you would get 2,500 points.
• $50 hotel credit every cardmember year (must be booked via Chase travel portal)
• Learn More

The extra 10,000 points make up for the waiving of the annual fee.

The complete Chase review.

Chase Sapphire Reserve

The annual fee was raised to $550.

There is a rewarding earning structure for the Chase Reserve.

• Earn 3X Points on travel and dining at restaurants.
• Earn 1 point per dollar spent on all other purchases.
• Learn More

The CSR comes with a $300 travel credit and a lot of perks.

The complete review of Chase.

World of Hyatt Credit Card

The World of Hyatt credit card is the best hotel credit card out there right now.

• 4 points per dollar at Hyatt properties
• 2 points per dollar at
  • Restaurants
  • Fitness club/gym memberships
  • Airfare booked directly with airlines
  • Local transit including rideshare (Uber, Lyft etc.)
• 1 point per dollar on everything else
• Learn More

The set up of the welcome offer makes it a little misleading.

The 2 nights per $5,000 spent is the real value. If you spend $15,000 on the card, you can earn a category 1 free night each year.

The complete world of Hyatt credit card review.

British Airways Visa Signature Card

The British Airways Visa Signature card is a great option for big spenders.

The card has the following earning structure:

Domestic American Airlines flights are one of my favorite uses ofAvios. When I am not sure if I will use the flight or not, I pay more to book it withAvios, but I love the cancellation rules.

Marriott Bonvoy Boundless

The earning structure for the Bonvoy Boundless doesn't change much.

• 6X Marriott Bonvoy points on eligible purchases at participating Marriott Bonvoy hotels.
• 3X at restaurants, gas stations and US supermarkets on up to $6,000 in combined purchase per year.
• 2X Marriott Bonvoy points on all other eligible purchases.
• Learn More

Marriott enthusiasts will keep the card for the 35,000 point anniversary night and the 15 elite night credits.

United Explorer

There is a decent earning structure for the United Explorer card.

• 2 miles for each $1 spent at restaurants and on hotel accommodations.
• 2 miles for each $1 spent on United purchases.
• 1 mile for each $1 spent on all other purchases.
• Learn More

The increase in award inventory that is available for card holders is the real reason for getting this card.

IHG Rewards Club Premier

If you want to pay for stays with the IHG rewards club premier card, here's how to earn it.

• 10x at IHG hotels
• 5x at gas stations, travel, and restaurants
• 3x on everything else
• Learn More

The 40,000 point capped anniversary night and fourth night free are the main perks of the card.

The IHG rewards club premier credit card review is complete.

Southwest Plus 

The Southwest Plus version of the card has the lowest annual fee of all the Southwest cards.

• 2x Southwest points per $1 spent on Southwest purchases
• 1X Southwest point per dollar on every other purchase
• Learn More

The perks of the Southwest Priority credit card make it a good choice for frequent flyers.

The Southwest Priority and Southwest Plus cards were reviewed.

United Club Infinite Card

This card is for frequent flyers who want to save money on lounge memberships.

• 2 miles per dollar on United purchases
• 1.5 miles per dollar everywhere else
• Learn More

Chase Freedom Flex Card

There are two Chase Freedom cards. Most people will choose the Flex over the other options.

Chase Freedom Flex

• 5% or 5X Ultimate Rewards points per dollar on rotating categories each quarter
• 5% or 5X Ultimate Rewards on travel booked through Chase Travel
• 3% or 3X Ultimate Rewards on dining
• 3% or 3X Ultimate Rewards at pharmacies
• 1% or 1X Ultimate Rewards point on every other purchase
• Learn More

Chase Freedom Unlimited

• 3% or 3X Ultimate Rewards on dining
• 3% or 3X Ultimate Rewards at pharmacies
• Earn 1.5 Ultimate Rewards points per dollar on every purchase
• Learn More

You can transfer points to travel partners with the Freedom cards.

We reviewed the Freedom Flex and Freedom unlimited.

Conclusion

The Chase personal card rankings are based on welcome offers and will be updated regularly.

Remember to plug in your own valuations in the table to figure out which offer is best for you.  Some people may value one mile or point much differently than another person so it is best to use your own experience when deciding on a value.

Capital One Venture increased their welcome offer by 75k.

Capital One Venture is increasing their offer. You can earn 75,000 miles after spending $4000 in the first 3 months of your card's existence. Venture will give you 2X miles on all purchases and Capital One travel. Cash back and transfer to travel partners can be done with points.

Learn more about this card and its features!