The Chase credit card brings the global strength of JPMorgan Chase to UK consumers through a fee-free, mobile-first product. With no annual fee, no foreign transaction charges, and a cashback rewards programme, it delivers straightforward value for both domestic and international spending without the complexity of traditional bank card products.
Outstanding Benefits
No Foreign Transaction Fees
Spend abroad without the typical 2.5-3% surcharge that most UK credit cards apply to international purchases. Whether you are on holiday in Europe, shopping from US websites, or paying for services in any currency, Chase converts at the Mastercard exchange rate with zero additional markup.
Cashback Rewards
Earn cashback on qualifying purchases across all spend categories. The rewards programme is designed for simplicity — no rotating categories, no activation required, and no caps that limit your earning potential. Cashback is applied automatically, making it effortless to benefit.
No Annual Fee
Chase charges no annual fee for its credit card, aligning with its broader philosophy of transparent, low-cost banking. Combined with the cashback programme, this means the card generates net positive value from day one for active users.
Digital-First Experience
The Chase app provides instant transaction notifications, real-time balance tracking, and intuitive spending insights. Virtual card access is available immediately upon approval, allowing you to start using the card before the physical version arrives. Smart payment scheduling helps you stay on top of due dates without manual effort.
Summary of Terms and Fees
| Feature | Details |
|---|---|
| Annual Fee | None |
| Foreign Transaction Fee | 0% |
| Cashback | On qualifying purchases |
| Initial Credit Limit | 1,000-3,500 pounds |
| Digital Wallet | Apple Pay and Google Pay |
| Eligibility | UK resident, 18+, credit score 650+ |
Who Can Apply?
You must be at least 18 years old and a UK resident with a verified address. Chase typically requires a credit score of 650 or above, proof of steady income, and a Chase current account. Digital identity verification is part of the application process, reflecting Chase’s technology-forward approach to banking.
How to Apply
Download the Chase UK app or visit the Chase website to begin your application. The process is fully digital — provide your personal details, income information, and consent for a credit check. Approval decisions typically arrive within 5 to 10 minutes, with some cases resolved within 24 hours. Upon approval, you receive instant virtual card access, with the physical card following by post.
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