Chase Reviews 

Great job with a `9 fraud charge. They alerted us and acted quickly. Replacement cards for 5 members of the family out the door in in our hands in 48 hrs...no disruption in automatic charges...

Worst user and customer service experience for any card and bank.

I thought having to deal with Chase as a bank was bad enough (I was happy to be able to close my father's accounts in 2018 due to their gross incompetence), but I'm stuck with having to deal with them as a credit card issuer due to their relationship with Amazon. Of all of my credit cards, the Chase/Amazon card is the most painful to deal with. The following are some issues that drive me crazy with this card:

* Annoying login process: There does not appear to be a way to designate a trusted browser or location for their login process. I don't have a problem with needing to provide my ID/Password for each login, but they insist on sending a secondary code for *every* login (most other cards will allow me to specify a trusted browser or at least cache the authentication for a reasonable time period). To make it even more irritable, I have to enter my password twice for their login process: Sign-in->ID->Password...Code Prompt delay...Code->Password->Logged-in (finally). What's the point of insisting on the Password a second time? It was validated before the secondary code.

* They randomly disable transaction notifications: Because of the way Amazon sometimes splits charges for a single order, I rely on the credit card notifications for my bookkeeping. I was wondering why I had missed entering some charges when reconciling this last month's statement, and found that Chase decided I no longer needed to see them and disabled that notification setting. Grrrr.

* They refuse to save the bank account I would prefer to use for my cashback transfers: I have tried multiple ways to link and save my checking account info, but Chase refuses to remember the bank and account info. I have to re-enter the info every time I want to do a cashback transfer. All of my other cashback cards handle linking or saving preferred external bank accounts without issue.

I so wish that Amazon would change the bank they work with for their Prime Visa.

I just went thru my second battle with Chase Sapphire Reserve over services fraud. Both times I had clear evidence of the services I used were over charged on my CC yet Chase made it clear that they are not there to help. If I used a service and the company over charges, the extra charge is between me and the company. This time it may cost me $2000 from a fraudulent car rental in Florida (Sonic Car Rental, dba probably under several names, this one "Advantage" in Tampa). This was a deposit that they planned to keep for 25 business days after the car was turned in with no issues, and the high amount was because I wouldn't pay their $150/day fee for using my own "qualified" insurance. The online agreement required none of that but they had me when I needed the car and options weren't available. I explained to chase that it was just a deposit and they were keeping it too long. But chase basically said, my problem. I have a Chase Private Client account and pay $550/year for that credit card and they do nothing for me! Seriously if you have a Chase card, don't expect Chase to assist in anything. If you don't have one, go somewhere else, Chase is not your friend

New fee is now $795. One benefit, an important one, is the $300 travel credit. Well this year they say we already got it, but we did not. Have called them 3 times 1 per week, they escalated, answer very polite and apologetic, but somewhere in their company somebody does not care and nothing has been done, why??
Do they really care or just train to say 'I am sorry and do nothing'!
Hard to cancel as have accumulated points and have used the points to book hotels that will use in a few months. Very frustrating. Also they have a new benefit, the Hotel Edit Program with a $200 credit if booked and they give you free breakfast and $100 to spend in the hotel, but it will NOT accumulate points if you get the $200, kind of think we are dummies. Shame on Chase for the slow response and for trying to think we just see the benefits without going in detail. Very dissappointed with Chase!!

Chase Sapphire Reserve offers Emergency Evacuation insurance, but refuses to provide a "Certificate of Insurance that the tour operator wants to prove you have coverage. They will provide for a car rental but not for evacuation? Since tour operators want proof, the coverage-which is an important part of justifying the $795 annual fee, it means you have to buy added coverage from a third party!!

Purchased 4 United Airlines tickets on the Chase UA card. The flight was canceled, so we lost a day of vacation. Filed the paperwork to show incurred expenses. As of Feb 2026, Chase UA and Virginia Surety refuse to cover any loss.

no computer online service available, with over a decade with same computer and internet I.P., without speaking and sharing private financial information with a foreign operator each time I wish to maintain my business relationship with Chase online. while all my other banks provide seamless online business, seriously considering excluding Chase from my portfolio.

Travel Insurance Benefit is an Absolute Nightmare: Over a Year of Delay Resulting in Denial

The so-called "travel insurance" provided by Virginia Surety Company, Inc., as a core benefit of my Chase card, has proven to be nothing more than a cruel, bureaucratic nightmare, especially in a time of crisis. After having to cancel a trip due to the sudden, tragic illness and eventual passing of a family member—a situation that should unequivocally qualify under any reasonable policy—the claims process became an unforgivable ordeal. Despite diligently uploading all required documentation, including the tragic circumstances that led to the cancellation, my claim for non-refundable airline tickets was dragged out for over a year. The process involved endless delays, zero empathy, and frustrating radio silence, only to culminate in a final denial. This benefit is advertised as peace of mind, but in reality, it is a deliberate and cruel obstacle course designed to wear down claimants, hoping they will simply give up.

For a Chase card that carries significant annual fees and purports to offer premium benefits, this abysmal claims administration is frankly embarrassing. I spent countless hours over twelve months resubmitting documents and chasing status updates, only to have the claim denied on technical grounds that fundamentally ignore the devastating reason for the cancellation. The experience, which should have been a straightforward application of a promised benefit, instead added immense stress and financial loss to an already heartbreaking family tragedy. Prospective cardholders need to understand that this benefit is functionally useless. Do not rely on Virginia Surety Company, Inc. or Chase's card benefits to be there for you when you need them most; you will lose your money, and you will be utterly let down.

We had good experience with this card for years in using the travel benefits like the lounges overseas, and getting airfare with points - then we tried to use their "travel protection." Two years ago I made a minor claim for trip cancellation and trip interruption where the international flight was delayed by a day when the luggage did not arrive for two days. I diligently kept copies of every piece of documentation available and explained why some just do not exist. Now for years I just get a run around.
Then this year tried to make a claim for damage to a rental car in Spain. Again every piece of information available was provided to them. They keep asking for the exact same documentation (provided to them 4 times already!) and other documentation that again overseas just does not exist.
Very disappointed.
One final footnote is that the card is not very good for making hotel reservations as they cover only a small subset of hotels that apparently are available because they have plenty of capacity. Very limited choice.

We’re just a few months into using our new Chase credit card, and already we’re running into frustrating inefficiencies. I made two payments from our Chase checking account to our Chase Visa card—one yesterday and one today. The funds were immediately debited from our checking account, yet the available credit on the card hasn’t increased.
When I called customer service, I was told it takes up to three days for payments to post. That explanation doesn’t make sense—these are internal transfers within the same bank. Even the representative agreed and said she would escalate the issue. So why the delay?
It feels like Chase is profiting off this lag—collecting interest while withholding available credit. In my opinion, this is a form of double dipping. Big banks should not be using internal inefficiencies to their advantage, especially when the money has already left the customer’s account.
Imagine if someone is paying a cash advance rate or carrying a balance with high interest—those extra three days can be costly to the consumer and profitable for the bank. This kind of delay undermines trust and transparency.
ps. I gave 2 stars because rep sounded sincere on the phone. I could tell she did not how to explain the situation, as she could not.

A fraudster got my credit card info on my Chase Freedom card (ending 7510) AND Chase Marriott card (ending 8896) and made 3 charges at booking.com. Chase alerted me by e-mail of potential fraud on June 14. The first 2 amounts were $2,816.31 and $1,515.75. Card 7510 was canceled. A new card was received in a week. Issue resolved. On June 15 a charge of $1,663.61 was made at booking.com at the 8896 card. Rather than click "no" that I did not recognize the charge I called Chase. I did not want to be without any credit cards for a week. Clicking "no I don't recognize" immediately cancels your card, and I was hoping to avoid that. They canceled my card anyway, and I had to wait several days for a new one for 8896. I immediately signed up for e-mail notifications on both new incoming Chase cards so that this could never happen again, or at least I would immediately see fraud. In the meantime, a day or so later, I went into my booking.com account, which I have not used in years, just to see what was in there. Indeed, I found 2 reservations coming up within days (Singapore and Cyprus). I canceled both, thinking it would be easier than potentially having a fraudster check in and impersonate me, thus creating a real mess. Well, Chase now keeps writing to me saying "You got a benefit" and is denying the fraud. They say the IP address matches my computer. Of course it does. I canceled the bookings. But I never made any of them, and that is what their algorithms and low level clerks investigating this cannot reconcile. In sum, Chase alerted me to all 3 fraud charges but is holding me to pay for the $1,663.61 one, despite repeated phone calls that even included to their Executive Offices. I have since canceled the new card 8138 (which replaced 8896), and that balance shall remain there in perpetuity. I will not pay a charge I did not make. I also went to the CFPB (Chase remained firm I must pay the charge), the BBB, and my state Attorney General's Office.

Chase held $12k of my money.
I paid $12k in advance of my due date of my Chase Sapphire card as I was about to use it on a trip. I paid Chase from my B of America money on July 27. I went to check on my Sapphire balance on July 31 and the payment was NOT posted. I called Chase to find out they wanted to hold my 12k to ensure that the money was confirmed from B of America.....huh? WTF? 2 banking institutions take this long to know my funds are legit? My credit balance was around $200 so if I purchased something with Sapphire over $200, it would be rejected even though I paid the $12k on my balance. I escalated this and got a supervisor that merely apologized. I informed the supervisor that I know the call is recorded and if someone above her would not contact me by COB Friday, I'll start talking about his in social media. This is just the start. Chase sucks. Nobody called. Chase held my $12 for ransom.

At one time, one of the best perks about having a Visa card was the insurance provided on rental vehicles when paying for the hire with the Visa card. Many years ago, we hired a car in England and experienced a tire blow-out and the coverage we had through the credit card took care of the cost of a new tire. Although some documentation was required, it didn't seem especially onerous nor did we wait an excessively long time for the refund. Fast forward to 2025... Oh, how things have changed! Beware when hiring a car overseas and think twice if you expect that Visa card coverage will easily handle minor vehicle damage.
We rented a car from Europcar and presented their clerk with documentation of our U.S. based Chase Bank Visa card rental car protection plan. Despite the documentation, we had a compulsory $5K hold put on our card for the privilege of renting from them. The agent explained that the Visa card perk would not cover things such as tires and other minor damages, so we should take their 'protection plus' coverage to cover "anything" not covered by Visa and that by having such coverage it would take care of "everything" if there was any damage whatsoever to the vehicle. Protection Plus cost Ten Euro per day.
We were surprised to find that the car did not pass inspection when we returned it. The agent inspecting the car said that she saw a problem with the rim on one of the wheels and immediately chose to bill us 190 Euro for it. Although we had photos of the car when we picked it up, we didn't have close-up images of every wheel rim (and we were unaware at that time of Europcar's predatory practices). So, we didn't deny that maybe some very minor damage to a rim could have happened while the car was in our care, but pointed out to the agent that we paid for "protection plus" coverage so that even if we were responsible for the damage, there should NOT be any charge for it. The woman said she didn't even know what the company's "Protection Plus" is! (Talk about stupid!). We couldn't reach anyone at Europcar by phone whilst still at the airport, so, we figured that a good way to take care of that would be to contact the benefits department at Chase Bank to put in a claim. That's when we became aquainted with their automated phone system for claims and received information on processing requests. To call the process a pain in the neck would be an understatement. Documents for claims processing by the third party insurer Virginia Surety requires the following: 1) "Statement from your insurance carrier or proof of not other insurance; 2) Rental agency's incident report; 3) Rental agency's 'demand letter'; 4) first and final rental agreements; 5) monthly billing statement showing purchase amount; 6) police report; 7) "primary insurance policy's declarations page; 8) "Repair estimate and itemized repair bill"; 9) Two photographs of the damaged rental car.
Such requirements would make sense for a major collision -- but for scuffing on a wheel rim or minor damage to a tire? Who files a police report for THAT! And bear in mind that the documents sent by Chase Bank say that each of the documents listed are REQUIRED to process a claim! Given that we had no response to our email from Europcar and were unable to reach them by phone, we don't have any documents from them to support their claim that we caused damage to the car. Furthermore, we were unaware of damage to the car, so there isn't any accident report nor police report! So, we decided to handle the matter with the bank by entering a dispute with a charge-back to Europcar for the fraudulent 190 Euro charge. There were also other charges by Europcar that we cannot reconcile with the receipts we have. That matter is complicated by the fact that Chase Bank could not provide us details on the costs we incurred in Euros; they can only confirm amounts in U.S. Dollars (yet they are a multi-national bank... go figure!). Dissatisfied with Chase Bank Visa's claims processing system, I called the bank's benefits management department to report the fact that their system is geared to handling major incidents/collisions and NOT very minor damage such as we were being charged for. The agent I spoke with had a good command of English, but not the wit required to fully comprehend my complaint nor my request that a disclaimer be added to their Claim Processing Guidance document to indicate what specifics are needed for those claims, such as a personal narrative, photo and a bill. She was passively rude and inattentive. I had to ask if she was still there on the line and she repeated some script more than once about the 'required' documents. In this rigamarole, I found that tires/rims ARE covered by the Visa perk -- yet they don't make it easy to claim for them.

I applied for the Chase Southwest® Rapid Rewards® Priority Credit Card in good faith, thinking that both I and my authorized users would receive the free checked bag benefit. This was a major factor in my decision. The marketing made it sound like a no-brainer for frequent Southwest travelers.

What wasn’t made clear—until after I activated the card and tried to use it—is that authorized users only get the checked bag if they’re flying with the primary cardholder on the same reservation. This critical limitation was buried in legal fine print, not presented up front where it mattered. The benefit is essentially useless for families who travel separately.

I contacted Chase to close the account and asked them to remove the hard inquiry from my credit report due to misleading advertising. They refused. I even filed a formal complaint with the CFPB, and Chase’s response was cold, dismissive, and full of boilerplate language denying any responsibility.

I also asked for the $149 annual fee to be reversed since the card was opened under false pretenses. Again, Chase refused.

This experience shows how little Chase values transparency or customer satisfaction. I’ve been a loyal cardholder with other Chase products in the past, but this incident has destroyed my trust. Between poor disclosures and unhelpful customer service, I would caution anyone considering this card—or Chase credit cards in general. They market selectively and hide crucial details that affect your real-world use of the benefits.

Using Chase Amazon PrimeVisa. Credit for returned purchases is atrocious! I returned a defective laptop in May, Amazon apparently lost it in transit and is not going to refund my purchase until July!

Customer service is invisible and unattainable. You would think the biggest Bank could afford customer service.

I applied for a United Explorer Chase Card online and my application was denird . Today called the Chase Credit Card Company Customer Service Number, and in a matter of less then an hour , Team Chase Credit Services restored my credit , due to suspected fraud . Thank you for restoring my good name .
Team Chase Credir Card is a 5 star in my humble opinion .

A big shout out to Roy , Sheila & Melanie from Chase 💳

Team Chase made my Memorial Day Weekend even more Memorable ❣️
SalaamNamaste 🙏🏻

Love their credit cards.. never had an issue.