This week, we take a look at the collective Chase range of credit card offers. Chase has long since been a leader in providing unique credit card options for a unique clientele.
While it may seem a bit overwhelming when you look at the many various dynamics, once you find the one that best fits your specific needs, you realize the effort will pay off in both the short term and long term. Here are three of the most popular choices customers choose and a look at why they’re at the top of the list.
The Chase Sapphire Preferred Credit Card
This is one of the better flight rewards cards available from any card carrier. Card users earn a point for every dollar that’s spent on the Preferred card. Double points apply when you charge your airfare and there are ways to earn bonus miles, including a single collective purchase that serves up an additional 25,000 miles. The Chase Sapphire Preferred card has a $95 annual fee, though the first year is waived. One great benefit is there are no travel restrictions or blackout dates when you book through Ultimate Rewards.
You must have excellent credit. You can apply online for an instant decision and it offers a balance transfer, making it ideal for those looking for ways to save money. Your transfer fee for balance transfers is 3% and cash advances are at APR of 19.24%. Be sure to review the terms and conditions for a full disclosure of all fees.
The Chase Freedom Visa $150 Bonus CashBack
This is yet another popular Chase product. This Visa Card doesn’t have the same stringent credit requirements as its Sapphire counterpart, though you do need good credit. Spend $500 the first three months in purchases and earn $150 cash back. An additional 5% cash back is earned with every $1,500 in bonus categories within any quarter. You also earn 1% back on all other purchases with no limits on how much you can earn. There’s also no annual fee and your rewards never expire. Like the Sapphire, your APR on all cash advances is 19.24% with a 3% cash advance fee.
Pay late and it costs you $39 and the same fee applies anytime you go over your credit limit. This really is a well balanced cash rewards credit card. The Chase Freedom includes everything we want in our credit cards.
The Chase Ink Cash Business Card
We wanted to include one of the Chase business credit cards for those who are looking for purchasing power for their companies. The Chase Ink Business credit card has a $100 bonus cash back after your first purchase that totals 10,000 bonus points.
You’ll also enjoy a handsome 3% cash back on expenses such as office supplies, home improvement and even dining. All other purchases enjoy a nice 1% flat rate. Like the other Chase products, there are no limits on the points you can earn and there’s no annual fee. Plus, you have the added benefit of choosing a MasterCard of Visa.
Your late and over limit fees are $39 each and you’ll also find the 20 day grace period beneficial, especially if you’re a small business owner. Your intro 0% APR is applicable for six months and your credit should be good (as opposed to the excellent credit rating some business credit cards require).
Use this credit card to transfer balances at a rate of only 3%. Keep in mind the hefty $39 late, over limit and returned check fees; no need to lose the financial benefits of this card on fees. Finally, zero liability fraud protection gives you peace of mind as you work to build your business. As always, we encourage you to carefully review the terms and conditions before you apply for any credit card.
These are three fantastic Chase credit card choices, each with its own benefits and perks. Regardless of which you choose, you know the Chase name commands respect. Applying is easy and all three of these credit cards provide instant decisions via the online application.
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