The Classic credit card is Capital One’s most popular UK card and is designed for those trying to improve their credit rating. This credit-builder card is a solid offering from a solid company, but is it right for you? Read this review to learn about pros and cons and alternative cards in the UK market.

Chase UK Credit Card Review

Chase UK is the digital-first retail banking division of JPMorgan Chase—the world’s largest bank—offering the tech-forward experience of a fintech with the massive financial security and FSCS protection of a global banking powerhouse.

Chase is relatively new to the UK. While JPMorgan has had an investment banking presence in London for decades, the launch of Chase UK in 2021 marked the first time in the company's 200-year history that it offered retail banking services (like current accounts and debit cards) outside of the United States. Chase launched its first UK credit card in the summer of 2025.

Chase has built a strong reputation among UK consumers on the back of its current account and cashback debit card—in fact, the Chase current account is a regular on our list of Best Bank Accounts, offering 1% cashback for 1 yr (max £15/m) and 2.25% AER variable interest via a linked savings account. But how does the credit card compare—is it also market leading?

No. The Chase UK credit card is a more modest offering: a no-fee 0% purchase card (with a 0% period that is many months shorter than the best purchase offers in the market) with no foreign exchange fees, and not much else.

Bottom Line: The Chase credit card is a decent but unremarkable 0% purchase card. Its relatively-short 0% period (up to 15 months) doesn't compete with the best in market (up to 24 months in May 2026), it offers no rewards, and the fee-free overseas spending it provides is already available to you via the Chase debit card. It can provide benefit for existing Chase customers who want Section 75 protection on big purchases, or as a simple card to use on holiday without worrying about FX fees. But these features are not unique to the Chase UK credit card and can be found elsewhere in the marketplace.

Chase Credit Card Benefits & Features

Representative example: 24.9% APR variable. Based on an assumed borrowing of £1,200 at a purchase rate of 24.9% p.a. (variable). Terms and features correct at time of writing — always check the latest details with Chase directly before applying.

Note that not all applicants will receive the full 15-month 0% promotional period — your personalised offer is shown during the eligibility check before a full application is submitted. Once the promotional period ends, the standard 24.9% APR applies to any remaining balance, so it's worth setting a reminder to clear the balance or switch cards before that point. And remember that, as with all promotional periods, the 0% only applies if you stay within your credit limit and make at least the minimum monthly payment on time each month.

What does the Chase credit card offer?

The headline feature is 0% interest on purchases for up to 15 months from account opening, after which the representative APR rises to 24.9% (variable)—and like all promotional periods, the 0% promotional rate will revert to your stated APR if you exceed your credit limit or make even one late payment.

There is no annual fee, and no foreign exchange fees on purchases made abroad. Also, no cash withdrawal fee at home or abroad (but, like most cards interest on cash withdrawals starts immediately, even if you pay your full balance back by your next due date).

As with Chase's debit card, the credit card is numberless — physical card details are only accessible via the app — and can be added to a digital wallet immediately on approval, so you don't need to wait for a physical card to arrive. To find your card number, expiry date, or CVV for an online purchase, you have to log into the Chase app, tap on the card icon, and select "See details.

(Is a numberless card a good idea for you? The main goal of a numberless card is security. If you lose your physical card or it’s stolen, no one can see your details or use them to shop online.)

App features include real-time spending notifications, instant card freeze and unfreeze, spend tracking, and visibility over how much of your 0% period remains. These are well-executed and in line with what Chase current account customers will already be used to.

There is a £12 fee for missed payments, and the minimum monthly repayment is £5 (or the full balance if it's less than £5).

One important thing to note: this card carries no cashback. The 1% cashback that made Chase's current account popular is a feature of the Chase debit card, not this credit card — and even on the debit card, that cashback was restricted in April 2025 to spending on groceries, transport and fuel only—and the cashback is capped at £15 per month.

Who can apply?

You must be an existing Chase current account holder to apply. You can check your eligibility via the Chase app without it affecting your credit score (a soft search). Acceptance is subject to a full credit check, and not all applicants will be offered the full 15-month 0% period — Chase determines your personalised offer at the eligibility stage, so you'll see your specific terms before committing to a full application.

Is 15 months at 0% competitive?

Not especially. At the time of writing, the top 0% purchase cards on the market offer closer to 24–26 months interest-free — nearly double Chase's promotional period. If spreading the cost of a large purchase is your primary goal, there are meaningfully better options in the May 2026 marketplace, including but not limited to:

Chase's 15 months is well shy of the top offers, and given that not all approved customers will receive the full 15 months, some applicants may find the offer even less compelling than the headline figure suggests.

Is the fee-free overseas spending useful?

For travel purposes, the Chase credit card does mean you can pay abroad without a foreign transaction fee. However, for everyday holiday spending, existing Chase customers already get fee-free overseas transactions on their current account debit card. Some people feel safer using a credit card; and if Section 75 protection is specifically important to you, this feature doesn't add much that you don't already have.

That said, if you're comparing specifically to other no-FX-fee credit cards, the Chase card holds up reasonably well — it just doesn't pay rewards on top of the fee-free spending, unlike some competitors:

Who is this card best suited to?

Suitability depends on individual circumstances, but broadly speaking, the card may be more attractive to:

Who may prefer look elsewhere?

Again, individual circumstances will vary, but the Chase UK may be less beneficial to: