Overall (9.5/10)
Interest Rates & APY (9.4/10)
Fees & Minimums (9.3/10)
Customer Service (9.6/10)
Mobile App & Digital Banking (9.5/10)
Rewards & Perks (9.6/10)

Chase Review:

Intro

Chase offers the largest U.S. branch network alongside the premier Ultimate Rewards credit card ecosystem.

Full Review

JPMorgan Chase Bank is the largest retail and commercial bank in the United States, serving over 80 million consumers with more than 4,700 branches and 15,000 ATMs. Chase's Ultimate Rewards ecosystem - anchored by the Chase Sapphire Preferred, Sapphire Reserve, and Freedom Unlimited cards - is widely considered the gold standard in flexible travel and cashback rewards.

Chase also provides comprehensive checking, mortgage lending, auto financing, and J.P. Morgan Wealth Management services.

Pros

  • 4,700+ branches and 15,000+ ATMs across the United States
  • Industry-leading Chase Ultimate Rewards points and 1:1 airline/hotel transfers
  • Generous checking and credit card welcome bonuses
  • Full-service mortgage, auto loan, and wealth management integration

Cons

  • Brick-and-mortar savings accounts pay near-zero standard APY
  • Monthly checking fees require qualifying direct deposit or minimum balance
  • 5/24 rule restricts credit card approvals for frequent applicants
Feature Value
Overall Rating 4.9
Savings APY / AER 0.01% - 4.00% APY
Deposit Insurance FDIC Insured ($250k)

Chase: Products

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Chase Sapphire Preferred Card

Chase Sapphire Preferred Card

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Chase Sapphire Reserve

Chase Sapphire Reserve

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Chase Freedom Unlimited

Chase Freedom Unlimited

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Chase Total Checking

Chase Total Checking

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Chase Sapphire Banking Checking

Chase Sapphire Banking Checking

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Chase 30-Year Fixed Home Mortgage & DreaMaker

Chase 30-Year Fixed Home Mortgage & DreaMaker

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Chase Business Complete Banking

Chase Business Complete Banking

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Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred Credit Card

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Chase: Categories

Business Banking

Business Banking

Rated 9.6

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Auto Loans

Auto Loans

Rated 9

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Credit Cards

Credit Cards

Rated 8.4

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Mortgages & Home Loans

Mortgages & Home Loans

Rated 8.4

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High-Yield Savings

High-Yield Savings

Rated 7.8

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Personal Loans

Personal Loans

Rated 7.8

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Checking Accounts

Checking Accounts

Rated 7.7

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CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 7.2

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