A playful father and son sharing a bloom of candy floss while spending the day at the fun fair together.

Cash back cards can be valuable moneymakers for responsible credit users and with Chase cash back cards you have a unique opportunity to score bonuses and rewards as you make purchases. Chase also offers protection perks like extended warranties for purchases that can benefit cardholders. Plus, the Chase cash back cards mentioned in this guide come with zero annual fees, which is one less thing to keep track of. Learn why you might want a Chase cash back card and options available in this guide.

The benefits of a cash back card

Charging purchases to a cash back card means you earn cash back with every purchase. As long as you pay in full what you owe each month, you’ll avoid paying interest fees and will make back free money just for using your credit card.

With any Chase cash back card, you’ll want to pay attention to intro bonus offers. Your card will need to be charged a certain amount within a specific time frame to earn the intro cash back bonus; this can be up to $3,000 with the cards mentioned here.

Some spending categories also offer a higher cash back percentage. You could earn up to 5% cash back up to a certain amount with some Chase cash back cards when you spend in particular categories. Make sure you use the appropriate card for the appropriate categories to maximize your cash back rewards.

Chase Freedom Unlimited

The Chase Freedom Unlimited® card is a personal credit card offering unlimited 1.5% cash back on all purchases. Cardholders can get a bonus $200 cash back after spending $500 in transactions within the first three months of account opening. You also get a 0% intro APR rate for 15 months after the account has opened on purchases and balance transfers (with a 3% or $5 minimum balance transfer fee for the first 60 days, then 5% or $5 after that). After that, the APR is 14.99% to 23.74% variable. This card also includes fraud protection, zero liability protection, purchase protection and extended warranty protection.

Chase Freedom

The Chase Freedom® credit card also offers a bonus cash back offer of $200 cash back after cardholders make $500 worth of transactions within the first 3 months. There’s also a 0% intro APR rate period for the first 15 months on balance transfers and purchases (with a regular APR of 14.99% to 23.74% variable). The balance transfer fee is 3% or $5 for the first 60 days, then it rises to 5% or $5.

Cardholders can earn 5% cash back on up to $1,500 in transactions in bonus categories every quarter when the categories are activated by the cardholder. Categories often include places like grocery stores and gas stations and services like streaming and cable services. All other purchases are eligible for unlimited 1% cash back rewards. The card also features fraud alerts and protection, purchase and extended warranty protection and zero liability protection.

Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card is a business credit card that provides unlimited 1.5% cash back rewards on all purchases. Cardholders can get a $500 cash back bonus after making $3,000 worth of transactions in the first 3 months. There’s a 0% intro APR period for 12 months from the account opening on purchases; the variable APR is 13.24% to 19.24% after that. Cardholders can get employee cards for free. Plus, the card features purchase and travel protection like extended warranty protection, an auto rental collision damage waiver, roadside dispatch and travel and emergency assistance.

Ink Business Cash Credit Card

The Ink Business Cash Credit Card provides 5% cash back on up to the first $25,000 made in transactions on internet, phone and cable services and at office supply stores each year. Cardholders can also earn 2% cash back on the first $25,000 spent in transactions at restaurants and gas stations each year. Every other purchase earns an unlimited 1% cash back. This card also comes with a $500 bonus cash back offer after spending $3,000 on purchases within the first 3 months.

Enjoy a 0% intro APR period for 12 months from the account opening on purchases, followed by a variable APR of 13.24% to 19.24%. You can get employee cards for free, as well. Plus, the card provides travel and purchase protections like extended warranty protection, roadside dispatch, an auto rental collision damage waiver and travel and emergency assistance services.

How to apply for a Chase cash back card

To apply for a Chase cash back card, you can visit their website. From there, you’ll need to fill out personal information, as well as business information if you’re applying for a Chase business credit card. You’ll need to agree to the pricing and terms and then will receive notification if you’re approved for a card.

Know that applying for a new credit card will require an inquiry into your credit reports, which can temporarily slightly lower them. As you increase your line of credit and lower your credit utilization, you can bring your credit scores back up while earning cash back rewards for yourself or your business.

Using a cash back credit card makes perfect sense when you are a responsible credit card user. As long as you make payments in full and on time, you’ll never owe anything extra for your purchases. You will, however, be able to earn cash back on transactions plus substantial cash back bonuses just for using your credit card for your spending needs. Compare Chase cash back rewards structures to your spending habits to decide on the right fit for you.

Information regarding the Chase Freedom, Chase Freedom Unlimited, Ink Business Unlimited, and Ink Business Cash cards was prepared by NextAdvisor.com staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.