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Additional Details, Terms and Conditions |
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| Category | Reward - Other |
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| Status | Platinum |
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| Introductory Percentage Rate | 0.00 |
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| Introductory Time Period | 12.00 |
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| Intro Applies To | Purchases, Balance Transfers |
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| Intro Details | None |
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| APR for Purchases | 9.990 |
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| Purchase Rate Type | Variable |
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| Minimum APR on Purchases | No |
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| APR for Cash Advances | 19.990 |
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| Cash Advance Rate Type | Variable |
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| Minimum APR on Cash Advances | No |
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| Finance Charge Calculation | Average Daily Balance (including new purchases) |
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| Annual Fee | $0 |
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| Additional Annual Fees | $0 |
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| Annual Fee Detail | None |
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| Grace Period | 20 Days (Min.) |
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| Late Payment Fee | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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| Over Limit Fee | $39 |
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| Cash Advance Fee | 3%, $10 minimum |
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| Balance Transfer Fee | 3%, $5 minimum, $99 maximum |
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| Minimum Balance Transfer | n/a |
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| Maximum Balance Transfer | n/a |
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| Type of Reward | Point |
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| Optional Reward | Yes |
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| Points Earned Per Dollar Spent | 1 Point |
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| Additional Points | None |
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| Point Details | Points are redeemable for cash back, merchandise, travel, or gift cards. |
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| Expiration | 5 Years |
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| Yearly Limit | 60,000 Points (5,000 per billing cycle) |
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| Bonus Approval | None |
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| Bonus First Purchase | None |
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| Bonus Balance Transfers | None |
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| Bonus Annual | None |
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| Bonus Other | None |
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| Bonus Details | None |
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| Additional Perks | Various Internet account related services.
No liability for unauthorized transactions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Various travel and emergency assistance services.
Travel accident insurance.
Extended warranty for purchases.
Auto rental insurance (Auto Rental Collision Damage Waiver).
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. |
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| Notations | The APR for purchases varies according to the applicant's credit history and will be 5.99%, 9.99%, 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. |
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| Features / Benefits: | 0% Intro APR for Up To 12 Months* on Purchases and Balance Transfers* |
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| 1 | The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History |
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| 2 | No Annual Fee |
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| 3 | FREE Online Account Access |
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| 4 | FREE Travel Services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance |
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| Rating | 3.00 |
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| Benefit Rating | 4.00 |
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| Best Feature | 0% introductory rate; no annual fee; access to free rewards program. |
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| Worst Feature | Higher APR for less qualifying applicants. |
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| Review | The Chase Platinum Visa® Card, issued by Chase, is designed for those who have very good credit and are looking for an overall good platinum card with a rewards program.
Through the rewards program, cardholders earn one point for every dollar spent on purchases. Points may be redeemed for cash back, merchandise, travel, and gift cards. Points expire in five years, and there is a maximum of 60,000 points that may be earned per year.
The credit card has a reasonable interest rate (for those who qualify), an attractive 0% introductory rate for up to 12 months on purchases and balance transfers, and no annual fee.
This platinum card does offer a variety of additional cardholder benefits that include travel accident insurance, auto rental insurance, and free online account access.
Therefore, those who have a very good credit history, want to participate in the rewards program, and plan to take advantage of the various additional services and benefits will find the Chase Platinum Visa® Card to be an ideal card.
It is important to note that the various interest rates that can be applied to an individual's account may be confusing and should be fully understood before applying for the credit card. |
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| Date of Data Update | 2008-11-04 00:00:00 |
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