First Credit

Chase Credit Cards Review

Chase lets their potential customers choose between 0% APR credit cards, cards with balance transfer, no annual fee cards, cashback cards, travel, hotel and airline cards, business credit cards and cards that attract no foreign transaction fees.

Range of Chase Cards:

Chase Freedom Card offers 5% cash back bonus and no annual fee with an 0% APR introduction rate and an additional $100 bonus cashback. See also Chase Freedom vs Discover Card Link.

The Slate card with Blueprint allows cardholders to pay back their outstanding balances faster and thus reduce the interest they pay. Cardholders can earn up to $75 bonus, get a 0% introductory APR and pay no annual fee.

The Chase Sapphire Card comes in two varieties. The “plain” Sapphire card lets cardholders earn up to 25,000 bonus points (equating to $250) and they do not get charged an annual fee. The Sapphire Preferred Card lets cardholders earn 50,000 bonus points, which represents $675 toward airfares or hotel accommodations.

The Southwest Airlines Rapid Rewards Card also falls into two categories. The Southwest Airlines Rapid Rewards Plus Card offers cardholders a free flight after their first purchase while the Southwest Airlines Rapid Rewards Premier Card with a free flight after the first purchase or 25,000 bonus points, double points on products by Southwest and Southwest partner purchases, 1 point for every $1 spent on all other purchases and an anniversary bonus of up to 6,000 bonus points on the day of card member anniversary. The card also offers a balance transfer bonus of up to 15,000 points.

United Mileage Plus Explorer Card and Continental Airlines One Pass Plus Card both offer up to 40,000 bonus miles and first year free of charges to the value of $95. The Continental Airlines Presidential Plus Card offers Presidents club Membership and no foreign transaction fees while the British Airways Visa Signature Card allows cardholders to earn 50,000 bonus BA miles and attracts no foreign transaction fees. See also, airline miles credit cards.

The Marriott Rewards Visa Signature Card offers up to 6 nights of free accommodation, while the Marriott Rewards Premier Visa Signature Card enables cardholders to earn up to 50,000 bonus points after their first purchase. See also, Hotel Rewards.

Terms and Conditions:

There are many more cards to choose from, perhaps too many, as it is at times unclear who would most benefit from them. Chase various cards are too numerous to discuss in detail, however, here are some points regarding APR payable:

The APR variable rate is 13.24% on purchases as well as balance transfers. On cash advances and overdraft advances the APR variable rate rises to 19.24%. The due date for payments of credit card bills are 21 days after the close of each billing cycle and customers will not be charged interest on their purchases if the entire outstanding balance is paid by the due date every month. Balance transfers, cash and overdraft advances will attract interest from the date of the transaction and are excluded from the aforementioned 0% APR deal. See also, Discover Card and American Express Card.

First time customers are not charged an annual fee for the first year, thereafter the annual fee is $95.