Chase Credit Card

Tired of Paying Fees Just to Spend Your Own Money?

It’s a frustrating feeling. You're on holiday in Spain, you buy a coffee, and you know your bank is stinging you with a 3% "non-sterling transaction fee." You're paying a fee just to access your own money. It feels like a penalty for being on holiday.

Then you come home, and it’s the "weekly shop." You spend hundreds at Tesco or Sainsbury's, and your debit card gives you... nothing. You're spending, but you're not earning. For decades, the "Big Four" banks have relied on this. They charge high fees for travel and give you zero rewards for your loyalty at home.

What if one simple, free card could fix both problems?

The Chase credit card is that solution. It's an "all-rounder" card designed for modern life, and it’s finally available by invitation to UK customers. It combines the best of a fintech app with the power of a real bank, all while actively *paying you* to spend.

First, it gives you 1% cashback on your everyday spending for your entire first year. That's real money back on your petrol, your food shop, your subscriptions.

Second, it is one of the best travel cards in the UK, letting you spend anywhere in the world with absolutely no foreign transaction fees. And it does all of this with no annual fee.

Sound like the all-rounder you've been missing? Click the button to see our complete guide and how to get the invite.

One Card for Your Weekly Shop and Your Week Away

The Chase credit card (available by invite to Chase current account holders) is so popular because it brilliantly combines two perks that don't usually come together.

Benefit 1: 1% Cashback on Your Everyday Spending

This is the first half of the offer. For your first 12 months, you get 1% cashback on your spending. This is a simple, effective reward. It's not a complicated points system; it's just cash in your pocket.

Picture your normal week. The 'big shop' at Asda or Aldi. Filling the car up with petrol. Your daily commute on the train or Tube. Your Deliveroo order on a Friday night. It all goes on the card.

It all adds up. If you spend £1,000 a month on the card, that's £10 back in your pocket. Every month. Over the year, that's £120 in cashback, just for doing the spending you were going to do anyway. It’s a simple, tangible reward, all managed in the app. No vouchers to clip, no points to transfer. Just money.

Benefit 2: The Perfect Travel Companion (0% Fees)

This is, in our opinion, the card's best *long-term* feature. The Chase credit card charges £0 on all non-sterling transactions.

Imagine you're in Lisbon for a long weekend. You pay for the hotel, buy pastries, pay for a taxi, and eat out every night. On a standard card from Barclays or NatWest, every single one of those transactions would be hit with a 2.99% fee. You'd lose £30 for every £1,000 you spend. It's a hidden cost that sours the end of your trip.

With the Chase card, you pay £0 in fees. You just tap your card (or your phone) and get the real exchange rate. It makes spending abroad as simple and cheap as spending at home. This perk *doesn't* expire after 12 months—it's a permanent feature of the card.

All from a Brand You Can Trust

This isn't a random fintech. This is Chase, which is part of JPMorgan, one of the biggest and most established banks in the *world*.

In the UK, they are a fully regulated bank. That means your money is protected by the FSCS (Financial Services Compensation Scheme) up to £85,000 (in your current and savings accounts).

The card lives inside the slick, modern Chase app. You get instant spending notifications, you can freeze your card in a tap, and you can see your cashback build up in real-time. It's the best of both worlds: the slick, user-friendly tech of a Monzo or Starling app, but with the rock-solid backing of a global banking giant. It’s the trust of a "Big Four" bank, but with benefits they don't offer.