Card issuer
Chase credit cards
Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. Its consumer credit cards are issued by JPMorgan Chase Bank, N.A.
Who actually issues these cards
The brand on the card is Chase, but the bank legally responsible for the card agreement is JPMorgan Chase & Co.. The CFPB notes that the entity on the front of a card may not be the actual issuer — this matters when you dispute something or read the agreement.
Verify JPMorgan Chase Bank on FDIC BankFind →
4 cards we cover
- Accepting applications
Chase Freedom Flex
Mastercard · $0 annual fee
- Accepting applications
Chase Freedom Unlimited
Visa · $0 annual fee
- Accepting applications
Chase Sapphire Preferred Card
Visa · $95 (no first-year waiver) annual fee
- Accepting applications
Chase Sapphire Reserve
Visa · $795 ($195 per authorized user) — raised from $550 in June 2025 annual fee
Federal source
Federal complaint profile (2025-07-01 → 2026-06-30)
Complaints consumers filed with the CFPB against JPMORGAN CHASE & CO., by product. These are allegations, not findings, and raw counts are not size-adjusted — so use this to see which products generate friction at this lender, not to rank it against a larger or smaller one.
| Product | Complaints | Most common issue |
|---|---|---|
| Credit cards | 6,764 | Problem with a purchase shown on your statement (2186) |
| Auto loans & leases | 465 | Repossession (104) |
| Personal & payday loans | 44 | Problem with the payoff process at the end of the loan (10) |
| Mortgages | 710 | Trouble during payment process (345) |
Source: CFPB Consumer Complaint Database, retrieved 2026-08-17T00:00:00Z. Every figure’s exact query URL is published in the Lender Complaint Index.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.