The Chase credit card is a fresh option for UK customers, targeting those who value flexibility and savings on purchases. This card offers a compelling 0% interest on purchases for up to 15 months as long as you meet your minimum repayments. With no annual fees, no foreign exchange fees, and a representative APR of 24.9% variable, users can make the most of every spend, both at home and abroad. Credit limits are available up to £1,200, based on status and eligibility. You’ll need to hold a Chase current account, be a UK resident and meet standard credit and affordability checks.

How to Apply for the Chase Credit Card

Applying for the Chase credit card is straightforward. First, you must already have a Chase current account. Then, simply open the Chase app to check your eligibility—no initial impact on your credit score. If eligible, follow the prompts in the app to submit your application. Upon approval, you gain instant card access and can begin using your details straight away, including with Apple Pay or Google Pay.

Pros of the Chase Credit Card

One significant benefit is the 0% interest period, allowing you to spread major purchases over time without initial interest charges. In addition, the absence of foreign-exchange fees means you can travel or buy in other currencies without extra cost. Instant access upon approval lets you start spending online or in-person from day one.

Cons of the Chase Credit Card

A notable downside is the requirement to already hold a Chase current account, which can be a barrier if you are new to Chase. Furthermore, the standard APR after the promotional period is relatively high at 24.9% variable, making it less ideal if you plan to carry a balance.

Verdict: Is the Chase Credit Card the Right Fit?

The Chase credit card stands out for UK users seeking a blend of savings and convenience for spending domestically or abroad. With 0% purchase interest for over a year, no annual fees, and competitive travel perks, it appeals to savvy spenders ready to maximise value—provided you already bank with Chase and repay on time.