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"Comparisons and secure applications of the best credit card offers online." |
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Additional Details, Terms and Conditions | |
| Category | Reward - Gas |
|---|---|
| Status | Standard |
| Introductory Percentage Rate | 0.00 |
| Introductory Time Period | 6.00 |
| Intro Applies To | Balance Transfers |
| Intro Details | Depending on the applicant\'s credit history, the introductory period will be either 6 months or 3 months. |
| APR for Purchases | 13.990 |
| Purchase Rate Type | Variable |
| Minimum APR on Purchases | No |
| APR for Cash Advances | 20.990 |
| Cash Advance Rate Type | Variable |
| Minimum APR on Cash Advances | No |
| Finance Charge Calculation | Average Daily Balance (including new purchases) |
| Annual Fee | $0 |
| Additional Annual Fees | $0 |
| Annual Fee Detail | None |
| Grace Period | 20 Days (Min.) |
| Late Payment Fee | $39 |
| Over Limit Fee | $39 |
| Cash Advance Fee | 3%, $10 minimum |
| Balance Transfer Fee | 3%, $5 minimum, $99 maximum |
| Minimum Balance Transfer | n/a |
| Maximum Balance Transfer | n/a |
| Type of Reward | Rebate |
| Optional Reward | No |
| Rebate Minimum | 1% |
| Rebate Maximum | 5% |
| Additional Rebates | Earn double rewards during the first two billing cycles. Earn a 5% rebate on BP gas purchases; a 2% rebate on purchases at dining establishments, airlines, lodging facilities, and on car rentals; and a 1% rebate on all other purchases. |
| Rebate Details | For every $25 in rebates earned, cardholders have their choice of receiving a BP gift card, a cash back check, or of making a donation to The Conservation Fund. Rebates will not be earned for purchases made at merchants where non-BP or non-Amoco fuel is sold. |
| Expiration | None |
| Yearly Limit | None |
| Bonus Approval | None |
| Bonus First Purchase | None |
| Bonus Balance Transfers | None |
| Bonus Annual | None |
| Bonus Other | None |
| Bonus Details | None |
| Additional Perks | Various Internet account related services. Emergency card replacement. Emergency cash replacement. Lost and stolen card reporting. Auto rental insurance (Auto Rental Collision Damage Waiver). Various travel and emergency assistance services. Extended warranty for purchases. Purchase protection. No liability for unauthorized transactions. Travel accident insurance. Year-end financial statement (upon request). See website for additional benefits. Certain restrictions, limitations, and exclusions apply. If an account is opened, please refer to the Guide to Benefits for details. |
| Notations | The APR for purchases and balance transfers varies according to the applicant's credit history and will be 6.99%, 10.99% or 14.99% + Prime Rate. The APR for cash advances varies according to the applicant\'s credit history and is either 15.99% or 19.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure. |
| Features / Benefits: | Earn Up To 10% in Introductory Rebates |
| 1 | Earn Up To 5% in Rebates after the Introductory Period |
| 2 | There's No Limit to the Amount of Rebates You Can Earn! |
| 3 | 0% APR for Up To 6 Months on Purchases and Balance Transfers |
| 4 | No Annual Fee |
| 5 | Online Account Management |
| 6 | Zero Liability Against Unauthorized Purchases |
| Rating | 3.00 |
| Benefit Rating | 3.50 |
| Best Feature | Double rewards for purchases within the first two billing cycles; high 5% rebate for BP-related purchases |
| Worst Feature | Rebates are not earned on purchases made at merchants that sell non-BP or non-Amoco fuel. |
| Review | The BP Visa® Card, issued by Chase, is designed for those who have very good credit and plan to take advantage of the gas rewards program. Through the rewards program, cardholders earn rebates that can be applied towards free gasoline at BP gas stations. For the first two billing cycles, cardholders earn a 10% rebate on BP gas purchases; a 4% rebate on purchases at dining establishments, airlines, lodging facilities, and on car rentals; and a 2% rebate on all other purchases. After the first two billing cycles, cardholders earn a 5% rebate on BP gas purchases; a 2% rebate on purchases at dining establishments, airlines, lodging facilities, and on car rentals; and a 1% rebate on all other purchases. Every time cardholders earn $25 in rebates, they will have their choice of receiving a BP gift card or a cash back check or making a donation to The Conservation Fund. Aside from the rewards program, the card also offers common platinum benefits such as travel accident insurance, auto rental insurance, and various travel and emergency assistance services. The card has no annual fee and the APR for purchases is above average. In addition, the card offers a 0% introductory rate on balance transfers for up to six months. Therefore, those who qualify for the lowest rate offered and plan to use the credit card at BP gas stations (to earn the standard non-promotional 5% rebate) will benefit most from what the BP Visa® Card has to offer. |
| Date of Data Update | 2008-08-19 00:00:00 |
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