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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 - Cash |
|---|---|
| Status | Platinum |
| Introductory Percentage Rate | 0.00 |
| Introductory Time Period | 12.00 |
| Intro Applies To | Purchases, Balance Transfers |
| Intro Details | None |
| APR for Purchases | 10.990 |
| 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 | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
| 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 | Point |
| Points Earned Per Dollar Spent | 1 Point |
| Additional Points | None |
| Point Details | When 2,500 points have been accrued, the cardholder may choose either a $25 check or a $25 gift certificate to participating merchants. |
| Expiration | None |
| Yearly Limit | 60,000 Points |
| Bonus Approval | None |
| Bonus First Purchase | 1,000 Points |
| 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. Travel accident insurance. 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. 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 5.99%, 9.99%, or 14.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure. |
| Features / Benefits: | Earn 1 Point for Every Dollar in Purchases |
| 1 | 1,000 Bonus Points with Your First Purchase |
| 2 | Intro 0% Fixed APR for Up To 12 Months |
| 3 | No Annual Fee |
| 4 | Get Your Rewards with as Few as 2,500 Points |
| 5 | Choose from Either a $25 Check or a $25 Gift Card/Certificate for Every 2,500 Points Earned |
| Rating | 3.50 |
| Benefit Rating | 3.50 |
| Best Feature | 0% introductory rate on purchases and balance transfers; no annual fee; bonus points. |
| Worst Feature | Higher APR for less qualifying applicants. |
| Review | The Chase Free Cash Rewards(SM) Visa® Card, issued by Chase, is designed for those with very good credit who would like a card that offers a cash back rewards program. Through the rewards program, cardholders earn one point for each dollar spent on all purchases. Cardholders are also awarded 1,000 bonus points with their first purchase. Each time the cardholder accrues 2,500 points, they will receive either a $25 gift check or a $25 gift certificate from their choice of various merchants and retailers. The amount of points you can earn is limited to 60,000 points per year. In addition to the rewards program, cardholders have access to common platinum benefits provided by Chase, such as auto rental insurance, extended warranties for purchases, and travel accident insurance. For those who qualify, the card has a reasonable interest rate for purchases and balance transfers in comparison with other reward cards. There is also a 0% introductory rate on purchases and balance transfers for up to the first twelve billing cycles and no annual fee. Therefore, those who qualify for the lowest rate offered and will take advantage of the rewards program will benefit most from what the Chase Free Cash Rewards(SM) Visa® Card has to offer. |
| Date of Data Update | 2008-08-19 00:00:00 |
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