Chase 24 Month Rule Explained: How to Get Credit Card Bonuses in 2025
Dig into the Chase 24 month rule: what it means, why it matters for credit card bonuses, and practical tips to get the most from Chase in 2025.
Chase Bank: What You Need to Know Right Now
If you’re scrolling through credit‑card options, you’ve probably seen Chase Bank pop up a lot. It’s a big name in the US, but UK shoppers still ask about its cards, rewards and how to get approved. In this guide we’ll break down the basics, show you which Chase cards are worth a look, and give you simple steps to use them without hurting your credit score.
Top Chase Bank Credit Cards
Chase offers a family of cards that focus on travel points, cash back and low‑interest balances. The most talked‑about ones are:
- Chase Sapphire Preferred® – good for beginners who want travel points. You earn 2 × points on dining and travel, plus a solid sign‑up bonus.
- Chase Freedom Unlimited® – cash‑back fan’s dream. It gives 1.5 % back on everything and higher rates on travel and dining.
- Chase Sapphire Reserve® – premium travel card with 3 × points on travel and dining, plus a yearly travel credit.
Each card has a different annual fee, so match the fee to the rewards you’ll actually use. If you never travel, the Freedom Unlimited could beat the Sapphire cards by a mile.
How to Get Approved & Use Responsibly
Getting a Chase card isn’t magic; it’s mainly about your credit score and income. Here’s a quick checklist:
- Check your credit score. Most Chase cards need a good – excellent score (usually 700+).
- Make sure your income shows you can handle the credit limit.
- Keep your existing debt low. High balances on other cards can hurt your application.
- Apply online, fill in details accurately, and wait 24–48 hours for a decision.
Once you have the card, the biggest mistake is letting the balance grow too fast. Aim to pay off the full amount each month; that way you avoid interest and your credit score stays healthy.
Our article "Is Having 7 Credit Cards Bad?" explains why the number of cards matters less than how you manage them. If you add a Chase card to a well‑balanced portfolio, it can actually improve your credit mix and boost your score.
Another tip from "Does Debt Consolidation Hurt Your Credit Score?" – if you’re consolidating debt onto a Chase card with a 0 % intro rate, pay off the balance before the intro period ends. Otherwise you’ll end up with higher interest than before.
Chase also runs occasional promotions that let you earn extra points by spending in specific categories. Keep an eye on your email inbox and the Chase portal – those offers can add up fast.
Finally, remember to review your statement each month. Spot any unfamiliar charges early and report them to Chase’s fraud team. Quick action prevents larger problems down the line.
Whether you’re hunting for travel perks, cash back, or just a reliable everyday card, Chase Bank has options that fit many lifestyles. Use the tips above, stay on top of your spending, and you’ll get the most out of your card without harming your credit.
