Chase

What Chase does

Chase is the consumer banking brand of JPMorgan Chase & Co. (NYSE: JPM), the U.S.-headquartered multinational bank operating through JPMorgan Chase Bank, N.A., a nationally chartered bank headquartered in New York with 10,000+ employees. The brand serves general consumers, small business owners, high-net-worth clients (Chase Private Client), frequent travelers, and growth-stage small businesses through a hybrid distribution model spanning 5,000+ U.S. branches and 14,000+ ATMs, the chase.com digital platform, the Chase Mobile app (with Zelle, biometric security, 24/7 fraud monitoring), and a growing European digital bank (launched UK 2021, Germany May 2025). Its product surface includes personal checking (Chase Total Checking, Secure Banking), savings and CDs, credit cards spanning no-fee entry products (Freedom Rise, Freedom Flex, Freedom Unlimited, Ink Business Cash/Unlimited) to ultra-premium travel cards (Sapphire Preferred at $95, Sapphire Reserve at $795), co-branded cards (Chase Aeroplan), mortgages with limited-time 0.25-point rate discounts, auto financing via Chase Auto, and investing services under Investing by J.P. Morgan. Small business customers are served through Chase for Business with dedicated digital tools including Business Credit Journey (Dun & Bradstreet credit scores, launched June 9, 2026) and Customer Insights analytics, plus coaching programs under the American Dream Initiative targeting growth from 7M to 10M SMBs.

Revenue mechanics combine net interest income on retail deposits, credit card interest and interchange (averaging nearly 24% APR on revolvers plus $0–$795 annual fees), mortgage and auto origination fees, merchant services fees, and interchange income — diversified across consumer and small business segments with no single-customer concentration. Go-to-market combines direct-to-consumer digital channels, sports and entertainment sponsorships (US Open, Madison Square Garden, Chase Center), exclusive cardholder experiences, and an embedded SMB platform. The company holds a regulatory moat via its national bank charter and FDIC-insured deposits, a distribution moat via the largest U.S. branch network, and an ecosystem moat via the Ultimate Rewards transfer-partner network, The Edit Collection hotel redemptions, and The Infatuation dining content (acquired 2021). Notable 2026 strategic actions include the Germany launch, the 2028 Apple Card issuance transition from Goldman Sachs, the Business Credit Journey launch, and the Sapphire Preferred benefit refresh.

Name

Chase

Legal name

JPMorgan Chase Bank, N.A.

Website

https://chase.com

Company type

Public

Founded year

2021

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Chase is the consumer banking brand of JPMorgan Chase & Co., serving tens of millions of consumers and 7M+ small businesses through 5,000+ U.S. branches, 14,000+ ATMs, the Chase Mobile app, and a growing European digital bank via retail deposits, credit cards, mortgages, auto, and SMB digital tools.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Credit Card Issuing (52221), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Business / Corporate Credit Cards (FSAKABAF), Wealth Lending & Margin / Securities-Backed Lines (Retail) (FSAAAAAN)

Keywords

• Retail banking services
• Consumer credit cards
• Mortgage lending
• Small business banking
• Wealth management

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Credit Card Interest and Fees: Chase earns revenue from credit card annual fees (Sapphire Reserve $795, Sapphire Preferred $95), interest charges on revolving balances averaging nearly 24% APR, and interchange fees from merchants.
2. Mortgage Lending: Chase Home Lending provides mortgage origination and refinancing services, competing with Rocket Mortgage and other major lenders through digital applications and limited-time rate discounts.
3. Retail Banking: Traditional deposit products including checking accounts (Chase Total Checking), savings accounts, CDs, and private banking services generating revenue through net interest margin.
4. Business Banking: Chase for Business provides business checking, small business loans, merchant services, and business credit cards targeting millions of small businesses with goal to grow from 7 million to 10 million served.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels6 records

Core offering

Chase, the consumer and small business banking brand of JPMorgan Chase & Co. (NYSE: JPM), provides personal checking, savings and CDs, a multi-tier credit card portfolio (Sapphire Preferred, Sapphire Reserve, Freedom Flex, Freedom Unlimited, Freedom Rise, Ink Business, Aeroplan), residential mortgages, auto financing, J.P. Morgan Investing self-directed and advised investment services, Chase Private Client premium banking and Secure Banking for young adults. Distribution spans a 5,000+ branch U.S. footprint, chase.com, the Chase Mobile app and the Chase Digital Bank in the UK and Germany.

Product overview

Chase offers a comprehensive financial services platform consisting of personal and business banking products, credit cards, mortgages, auto financing, and investment services. The credit card portfolio includes premium travel cards (Sapphire Preferred at $95, Sapphire Reserve at $795), rotating cash back cards (Freedom Flex, Freedom Unlimited), business cards (Ink Business Cash, Ink Business Unlimited), and co-branded offerings. Small business services are delivered through Chase for Business with tools like Business Credit Journey and Customer Insights. Digital banking is accessible via Chase Mobile app with Zelle integration, biometric security, and spending insights. Premium clients are served through Chase Private Client, while the company extends its brand through Chase Experiences featuring sports and entertainment partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Chase Total Checking
• Chase Savings
• Certificates of Deposit (CDs)
• Chase Sapphire Preferred Travel-focused personal credit card with a $95 annual fee offering Ultimate Rewards points (including 3x on gas, EV charging and vacation rentals), a $100 annual hotel credit, $120 credit every four years for Global Entry/TSA PreCheck/NEXUS, complimentary Apple TV+ for one year, no foreign transaction fees and access to Chase Ultimate Rewards transfer partners such as World of Hyatt, United MileagePlus and Southwest.
• Chase Sapphire Reserve Ultra-premium personal travel credit card with a $795 annual fee, 150,000-point welcome bonus, $300 annual travel credit, $300 semi-annual dining credit, $200 annual hotel credit, Priority Pass lounge access, travel protections, 3x points on travel and dining worldwide and no foreign transaction fees.
• Chase Freedom Rise
• Chase Freedom Flex
• Chase Freedom Unlimited
• Ink Business Cash
• Ink Business Unlimited
• Chase Aeroplan Credit Card
• Chase Mortgages
• Chase Auto
• J.P. Morgan Investing
• Chase Private Client
• Secure Banking
• Chase for Business

Quantifiable outcome

• Small business grants of $40 million unlocking over $500 million in total capital
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Golden State WarriorscoreGTM or Marketing PartnerChase Center is home to the Golden State Warriors and Golden State Valkyries. Chase cardholders receive discounts on eateries and team merch, preferred seats, exclusive experiences around Chase Center, $20 off at Golden State Shop on game days (spend $100+), and $5 off eateries during home games (spend $30+).
• US OpencoreGTM or Marketing PartnerChase is the Official Bank of the US Open tennis championship, providing exclusive offers and experiences for Chase cardholders during the tournament.
• Madison Square GardencoreGTM or Marketing PartnerExclusive partnership providing Chase cardholders access to events, presales, and experiences at Madison Square Garden venues.
• HudlcoreStrategic or Co-development PartnerChase announced partnership with Hudl on March 5, 2026, making Chase the Official Financial Education Partner. Chase delivers its Money Skills financial education program via Hudl's platform, including co-branded content, in-person experiences, and community impact grants to support school sports at grassroots level. Hudl is the leading U.S. high school sports platform.
• Dun & BradstreetcoreTechnology or IntegrationBusiness Credit Journey provides access to two business credit scores from Dun & Bradstreet, tracks score changes over time, and sends email notifications when scores shift. Launched June 9, 2026.
• Independent Restaurant Coalition (IRC)minorStrategic or Co-development PartnerChase and IRC awarded $1 million to 40 restaurant innovators through the Innovator Awards program supporting sustainable practices and community impact initiatives among small restaurants.
• Grand Ole OpryminorGTM or Marketing PartnerChase Sapphire Reserve hosted 'Dinner at the Opry' at Nashville's Grand Ole Opry House featuring country artist Ella Langley for exclusive cardholder experience.
• The Edit CollectionminorChannel Partner/ Reseller/ DistributorChase Points Boost feature allows cardholders to redeem Ultimate Rewards points at elevated rates (2.5 cents per point) for 11 select hotels in The Edit Collection, with perks including daily breakfast for two, room upgrades, and $100 property credit.
• ApplecoreStrategic or Co-development PartnerChase is taking over as the issuing partner for Apple Card from Goldman Sachs, with transition expected to complete by 2028. Key features including Daily Cash (up to 3%), no fees, and Mastercard payment network will remain unchanged.

Scale indicators10 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Bank of America: Largest direct U.S. competitor to Chase in national retail banking, credit cards, mortgages, and wealth management; explicitly cited in the input as targeting growth from 69M to 75M households, mirroring Chase's consumer scale ambition.
• Wells Fargo: Direct competitor across U.S. retail banking, mortgages, small business banking, and credit cards; comparable national branch footprint and consumer deposit franchise make it a near-direct substitute for Chase across multiple product lines.
• Citibank: Direct competitor in U.S. consumer banking, credit cards (including the new Citi Strata line), and global retail banking; relevant international benchmark as Chase expands its EU digital bank presence.
• Capital One: Direct competitor in credit cards (consumer and small business), consumer deposits, and digital banking; identified in the input as one of the top three issuers driving the ~$20B annual direct marketing spend that Chase competes against.
• American Express: Direct competitor in premium credit cards, with Amex Platinum cited as Chase Sapphire Reserve's principal rival; competes for high-spend wallet share, premium travel rewards, and affluent consumer relationships.
• U.S. Bank: Direct competitor in U.S. retail and small business banking, credit cards, and mortgages; comparable product breadth and customer-segment focus make it a relevant peer in the consumer and commercial banking space.
• PNC Financial Services: Direct competitor in U.S. consumer banking, small business banking, and credit cards; comparable retail deposit and branch strategy targeting similar mass-market and small business segments.
• Discover Financial Services: Direct competitor in U.S. credit cards (cash back and rewards) and digital banking; competes head-to-head in the same rotating-cash-back and flat-rate categories as Chase Freedom Flex and Freedom Unlimited.
• Truist Financial: Direct competitor in U.S. retail banking, small business banking, and credit cards; formed from the BB&T and SunTrust merger, comparable in scale and product mix in the consumer and commercial banking segments.
• TD Bank (U.S.): Direct competitor in U.S. retail banking, mortgages, and credit cards, particularly along the East Coast; operates a comparable physical branch-plus-digital model relevant to Chase's branch-and-mobile strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Chase
• YouTubeyoutube.com/chase
• Facebookfacebook.com/chase
• LinkedInlinkedin.com/company/chase
• Instagraminstagram.com/chase
• Pinterestpinterest.com/chase

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments8 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Chase