CFPB TCCP survey · December 31, 2025
Jpmorgan Chase Bank, National Association credit card rates & fees
Jpmorgan Chase Bank, National Association reported 31 credit card plans to the CFPB. Their median purchase APR is 27.49%, higher than the 23.49% median across all surveyed cards. The lowest starting APR is on the J.P. Morgan Reserve (16.74%). 13 of 31 plans have no annual fee.
Bank JPMorgan Chase Bank, National Association financial health scorecard 61 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| J.P. Morgan ReserveTravel-related rewards | 16.74% | – / – / – | 28.49% | $795 | — | 0.0% | 21 d |
| Southwest® Rapid Rewards® Employee Credit CardTravel-related rewards | 16.74% | 16.7% / 16.7% / 16.7% | 28.49% | $0 | $29 | 0.0% | 21 d |
| Disney Premier Visa CardOther rewards | 17.49% – 26.49% | 22.5% / 26.5% / 26.5% | 28.49% | $49 | $29 | 3.0% | 21 d |
| Disney® Visa® CardOther rewards | 17.49% – 26.49% | 22.5% / 26.5% / 26.5% | 28.49% | $0 | $29 | 3.0% | 21 d |
| DoorDash Rewards MastercardCashback rewards; Other rewards | 18.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $0 | $29 | 0.0% | 21 d |
| Freedom FlexCashback rewards; Travel-related rewards | 18.24% – 27.74% | 24.7% / 27.7% / 27.7% | 28.49% | $0 | $29 | 3.0% | 21 d |
| Freedom UnlimitedCashback rewards; Travel-related rewards | 18.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $0 | $29 | 3.0% | 21 d |
| Instacart MastercardCashback rewards; Travel-related rewards; Other rewards | 18.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $0 | $29 | 0.0% | 21 d |
| Slate Edge | 18.24% – 28.24% | 25.2% / 28.2% / 28.2% | 28.49% | $0 | $29 | 3.0% | 21 d |
| Amazon Prime Rewards Visa CardCashback rewards; Travel-related rewards; Other rewards | 18.74% – 27.49% | 24.5% / 27.5% / 27.5% | 28.49% | $0 | $28 | 0.0% | 21 d |
| Amazon Rewards Visa CardCashback rewards; Travel-related rewards; Other rewards | 18.74% – 27.49% | 24.5% / 27.5% / 27.5% | 28.49% | $0 | $28 | 0.0% | 21 d |
| Aer Lingus Visa SignatureTravel-related rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $95 | $29 | 0.0% | 21 d |
| British Airways Visa SignatureTravel-related rewards | 19.24% – 27.74% | 27.7% / 27.7% / 27.7% | 28.49% | $95 | $29 | 0.0% | 21 d |
| Iberia Visa SignatureTravel-related rewards | 19.24% – 27.74% | 27.7% / 26.7% / 27.7% | 28.49% | $95 | $29 | 0.0% | 21 d |
| IHG PremierTravel-related rewards; Other rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $99 | $29 | 0.0% | 21 d |
| IHG TravelerTravel-related rewards; Other rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $0 | $29 | 0.0% | 21 d |
| Marriott Bonvoy Bold Credit CardTravel-related rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $0 | $29 | 0.0% | 21 d |
| Marriott Bonvoy Boundless Credit CardTravel-related rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $95 | $29 | 0.0% | 21 d |
| Marriott Bonvoy Bountiful Credit CardTravel-related rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $250 | $29 | 0.0% | 21 d |
| Sapphire PreferredCashback rewards; Travel-related rewards | 19.24% – 27.49% | 26.5% / 27.5% / 27.5% | 28.49% | $95 | $29 | 0.0% | 21 d |
| Southwest® Rapid Rewards® Plus Credit CardTravel-related rewards | 19.24% – 27.74% | 24.7% / 27.7% / 27.7% | 28.49% | $69 | $29 | 0.0% | 21 d |
| Southwest® Rapid Rewards® Premier Credit CardTravel-related rewards | 19.24% – 27.74% | 24.7% / 27.7% / 27.7% | 28.49% | $149 | $29 | 0.0% | 21 d |
| Southwest® Rapid Rewards® Priority Credit CardTravel-related rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $229 | $29 | 0.0% | 21 d |
| World of Hyatt Credit CardTravel-related rewards | 19.24% – 27.74% | 26.7% / 27.7% / 27.7% | 28.49% | $95 | $29 | 0.0% | 21 d |
| Sapphire ReserveCashback rewards; Travel-related rewards | 19.49% – 27.99% | 28.0% / 28.0% / 28.0% | 28.49% | $795 | $29 | 0.0% | 21 d |
| Chase Aeroplan CardCashback rewards; Travel-related rewards; Other rewards | 19.74% – 28.24% | 27.7% / 28.2% / 28.2% | 28.49% | $95 | $29 | 0.0% | 21 d |
| United Club Infinite CardTravel-related rewards; Other rewards | 19.74% – 28.24% | 27.2% / 28.2% / 28.2% | 28.49% | $695 | $29 | 0.0% | 21 d |
| United Explorer CardTravel-related rewards; Other rewards | 19.74% – 28.24% | 25.2% / 28.2% / 28.2% | 28.49% | $150 | $29 | 0.0% | 21 d |
| United Gateway CardTravel-related rewards; Other rewards | 19.74% – 28.24% | 25.2% / 28.2% / 28.2% | 28.49% | $0 | $29 | 0.0% | 21 d |
| United Quest CardTravel-related rewards; Other rewards | 19.74% – 28.24% | 25.2% / 28.2% / 28.2% | 28.49% | $350 | $29 | 0.0% | 21 d |
| Freedom RiseCashback rewards | 25.24% | – / – / – | 28.49% | $0 | $29 | 3.0% | 21 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.