overing the Chase Free Cash RewardsSM Visa® Card

J.P Morgan Chase & Company is successfully serving millions of institutional, private and corporate customers in the United States. Chase is a company of repute and functions in over 50 countries.

Chase has brought for its customers the Chase Free Cash Rewards Visa Card, which provides you cash back facilities. If you are looking for a credit card with such a rewarding option, you can try out this card.

The Card Rewards

The Chase Free Cash Rewards Visa Card offers its customers a fabulous rewards program that makes it possible for you to obtain one point for spending one dollar. This is not all; on reaching the 2500 point-mark, you will get a $25 gift check.

The cardholder also has the option of selecting a $25 gift certificate from a range of retailers and merchants. Furthermore, the credit card gives you the opportunity of earning an extra 1000 bonus points for making your first purchase using the card. The maximum number of points you can earn in a 12-month time-period is 60000 points. The rewards have no expiration period.

The card enables you to be on the fast track for receiving cash back facilities. If you have fabulous credit and desire to have a credit card with a sound rewards program, you can go for the Chase Free Cash Rewards Visa Card.

This credit card, however, might not be suitable for you if you want to carry an occasional large revolving balance, as the card uses the ‘Two Cycles Average Daily Balance’ method for determining finance charges. The makes the card a little expensive in comparison to credit cards using the ‘Average Daily Balance’ method.

Other Benefits

On qualifying for the Chase Free Cash Rewards SM Visa Card, you can get to enjoy a 0% introductory rate, which is applicable for a full year’s purchases and balance transfers. However, with the expiry of the introductory period, you can still enjoy the low rates on purchases and balance transfers. These facilities along with the no annual fee feature are certainly very beneficial for the customers.

The card also comes with other enjoyable facilities, like travel accident insurance, rental car insurance and extended warranty. It also offers access to the usual Chase platinum services and benefits, such as extended warranties for purchases, auto rental insurance and travel accident insurance.

The card also offers facilities like many Internet account related services, many travel and emergency assistant services, and lost and stolen card reporting.

You can also enjoy emergency card and cash replacement, no liability for unauthorized transactions, a financial statement at the end of the year and other benefits. However, it is advisable to be cautious about the applicable limitations, and exclusions.

Using a credit card for the rewards it offers is well worth the effort and a convenient way to get a little extra from everyday purchases and expenditures. The Chase Free Cash RewardsSM Visa® Card is one of many credit cards that offer cash reward perks along with many other conveniences only offered by a first tier credit card.

Starting With the Interest Rates

One of the nice features of the Chase Free Cash RewardsSM Visa® Card is that all purchases with the card are interest free for the first six months of owning the credit card. This makes for a convenient way to make slightly extended payments on that new flat screen TV or washer and dryer set while skipping over the in store financing and getting extra rewards from the card's rewards program on top. It does make a sensible alternative for making payments on big purchases.

But do take note – after the initial 6 months of cardholdership passes, the standard purchase interest rate APR does kick into effect and it's not exactly a flattering rate. Those with very good to excellent credit scores will be able to find a better purchase interest rate if they don't always plan on paying their balance in full every month.

Looking to move those high balances from a high interest card to an interest free or low interest credit card in order to pay down the principle faster? Well, the Chase Free Cash RewardsSM Visa® Card offers up to a six month introductory interest free balance transfer time frame. This is a good start, but for those exclusively seeking the balance transfer benefits as the main feature of a new card, six months interest free just isn't quite good enough.

What Are The Rewards?

As its namesake aptly promises, the Chase Free Cash RewardsSM Visa® Card does offer rewards redeemable for cash, but also gift certificates and other choice selections. At the rate of 1 point for each dollar purchased with the credit card, the benefits add up over a period of regular usage. As a bonus, 1,000 points are automatically credited to the cardholder's account upon the first purchase with the card.

The option of picking and choosing the rewards received is a great concept and works well with cash rewards credit cards, but this Chase Free Cash RewardsSM Visa® Card might be a little stingy when it comes to the points actually given. Many other cash rewards credit cards offer a higher percentage of rewards on certain categories of purchases, such as gasoline or groceries. This is worth consideration as the options are weighed.

Other Than The Rewards, Where Does This Card Stand?

Backed by Visa, the Chase Free Cash RewardsSM Visa® Card is indeed accepted nearly everywhere, so that's a plus. The credit card does not charge an annual fee as many others do – again, another upside. However, for a credit card intended for those with good and excellent credit, the grace period of 20 days isn't quite up to par.

The Final Word

Don't be mistaken, the Chase Free Cash RewardsSM Visa® Card is not a bad choice by any means, but there are other cards available that out deliver it in just about all aspects.

As a bonus you get 1,000 points with your first purchase. The card's intro rate is 0% fixed APR for up to 12 months, and this is subject to a few terms and conditions that are available from the Chase website. You get this deal on all purchases and balance transfers made with and to the card itself. Naturally, the time period for the introductory APR and the balance transfers to which it will apply will be based on Chase's review of your application and credit history. As of the time this review was written, if one was to apply now and become an approved cardholder, they would have the ability to earn 1 point for every dollar spent in purchases. For many, the only hard decision will be how to redeem the rewards that they have earned. One can redeem their points for nice rewards including sweet cash and gift certificates of various types. The Chase Free Cash Rewards Visa product gives you the extraordinary benefit of earning points for every purchase and the power to choose your rewards based on your needs and desires. It is true that you can earn points fast and choose how you want to receive your rewards with the Chase Free Cash Rewards Visa® Card.

With no annual fee and the ability to get your rewards with as few as 2,500 points, the Chase Free Cash Rewards Visa Card is not a bad choice by any means and a great card to have in your wallet to many who are interested in receiving awards for their credit card spending. Currently, one can choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points that they earn.

Naturally, as with every other credit card on the planet I know of, Chase reserves the right to change certain terms. In the case of this card this includes the APRs at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your Chase Free Cash Rewards Visa® Card account. As an example, Chase can change the terms and conditions of your Chase Free Cash Rewards Visa based on the information that is obtained from your credit reports. This information collected can include such as the number of other credit card accounts you have and their balances. Also on their website, it is clearly stated that the APRs for the Chase Free Cash Rewards Visa® Card are not guaranteed as APRs may change to higher APRs, fixed APRs may change to variable APRs, and variable APRs may change to fixed APRs. Any changes such as that have been mentioned in this article will be done in accordance with the rules stated in the cardholder agreement, hince no real surprises. Be certain to read the actual terms and conditions carefully should you decide to aquire this card.

Please not that we do our best to keep our reviews up to date but the terms and conditions of credit card offers are constantly changing. Be certain to read the latest information on terms and conditions before applyinf for this or any other credit card.

Chase provides millions of Americans with credit cards. As a leader in the credit card industry, this company strives to meet the various needs of its cardholders. One of the ways that Chase does this comes in the form of options. Chase has devised a program that allows customers to choose their rewards. With the Chase Freedom Cash Visa Card, cardholders have the opportunity to select from a vast array of rewards, including cash back, airline miles, gift certificates, and more.

Features of the Chase Freedom Cash Visa Card

With the Chase Freedom Cash Visa Card, cardholders will earn 3% cash back on each dollar spent at a variety of designated merchants. These places include gas stations, grocery stores and quick service restaurants. Many of these stores, such as Dunkin Donuts and 7-11, are common shopping locations. Cardholders will earn 1% cash back on all other purchases. Once consumers have earned $50 in rewards, they will be able to redeem a check for that amount. They also have the option of building up their rewards. If they wait until they have earned $200 in rewards, they will receive $250 cash back. That is an extra $50 bonus for waiting.

Unlike some rewards credit cards, the Chase Freedom Cash Visa Card has no annual fee. It offers 0% APR for the first six months. For those with excellent credit, the regular APR of the Chase Freedom Cash Visa Card is relatively low for a rewards card. Customers with less qualifying credit may receive a higher interest rate.

The Flexibility

The Chase Freedom Cash Visa Card offers customers a flexible rewards program. Cardholders can switch, at any time, from earning cash back to receiving other rewards. If they choose to build up points, they can notify Chase and change easily. Through the points program, the Chase Freedom Cash Visa Card allows customers to earn three points for each dollar spent at eligible locations. Like the cash back program, these merchants include well-known gas stations, grocery stores and quick service restaurants. Cardholders will also earn one point for each dollar spent on purchases at other locations.

Some of the rewards available through the point system include airline flights, merchandise, hotel stays, gift certificates and car rentals. Rewards can be earned starting at 1,000 points. When cardholders choose to redeem their points, the process is easy. They can redeem their points for rewards online. They may also call the number on the back of their Chase Freedom Cash Visa Card.

The Value in Rewards Cards

Credit cards that offer reward programs are rising in popularity. Customers appreciate the chance to receive benefits for using their credit card. They can choose among cards that offer airline miles, cash back, gift certificates, and more. With the Chase Freedom Cash Visa Card, they have all of these options available to them in just one card. With this selection of rewards, cardholders gain more control in choosing their benefits.

Chase works continually to provide its customers with the options they want and the credit cards they need. With the Chase Freedom Cash Visa Card, customers can choose which rewards they wish to receive. And as their lifestyle and preferences change, they can adjust their rewards. From cash back to airline flights, the Chase Freedom Cash Visa Card allows customers more options than ever before.

Consumers looking to obtain a new credit card may just want consider the Chase Platinum Visa card. The Chase Platinum Visa card has been in existence for a long time, but just recently some strong improvements have been made by the J.P. Morgan & Chase Co. making the card a strong competitor in a highly competitive market. Is the Chase Platinum Visa card right for you? Please keep reading to find out for yourself.

Extended Introductory Rate

In the credit card business, all the top cards are still offering 0% APR for an introductory period. Six months is the standard length of time, with some offering a twelve month introductory rate period. Chase, on the other hand, recently served notice that they are extending this introductory rate out for a full fifteen months to qualified customers! If your credit history is good and your application is in order, you may be eligible for this extended introductory rate offer.

Balance Transfer Offer

When applying for the Chase Platinum Visa card you're eligible to transfer balances from high interest rate credit cards to your new card. You could potentially save yourself hundreds of dollars in interest costs by transferring your balances to your new card.

No Annual Fee

Many platinum or premium credit cards charge annual fees, but with the Chase Platinum Visa card no fee is assessed.

Free Travel Accident Insurance

Chase Platinum Visa cards offer up to $500,000 in travel accident insurance, an amount much higher than what most credit cards are offering today. Save money on insurance premiums as the Chase Platinum Visa card plan includes this type of insurance for free!

Free Car Rental Insurance

Use your Chase Platinum Visa card when renting a car and your rental insurance is completely covered too. For a one week rental, this type of insurance could easily tack on an additional $100 to your bill. With the Chase Platinum Visa card you are completely covered.

Chase’s offer is all the more remarkable in the face of constantly climbing interest rates. As you probably already know, most credit card rates continue to rise along with the upward swing in all consumer rates. Thus, the Chase Platinum Visa card is truly a unique opportunity for the savvy consumer.

So, if you have a good credit rating and are in need of a new credit card, the Chase Platinum Visa card may be just right for you. With credit card rates surging, taking advantage of a card offering 0% APR for 15 months is a surefire way toward saving yourself plenty of money.

Using a credit card for the rewards it offers is well worth the effort and a convenient way to get a little extra from everyday purchases and expenditures. The Chase Free Cash RewardsSM Visa® Card is one of many credit cards that offer cash reward perks along with many other conveniences only offered by a first tier credit card.

Starting With the Interest Rates

One of the nice features of the Chase Free Cash RewardsSM Visa® Card is that all purchases with the card are interest free for the first six months of owning the credit card. This makes for a convenient way to make slightly extended payments on that new flat screen TV or washer and dryer set while skipping over the in store financing and getting extra rewards from the card's rewards program on top. It does make a sensible alternative for making payments on big purchases.

But do take note – after the initial 6 months of cardholdership passes, the standard purchase interest rate APR does kick into effect and it's not exactly a flattering rate. Those with very good to excellent credit scores will be able to find a better purchase interest rate if they don't always plan on paying their balance in full every month.

Looking to move those high balances from a high interest card to an interest free or low interest credit card in order to pay down the principle faster? Well, the Chase Free Cash RewardsSM Visa® Card offers up to a six month introductory interest free balance transfer time frame. This is a good start, but for those exclusively seeking the balance transfer benefits as the main feature of a new card, six months interest free just isn't quite good enough.

What Are The Rewards?

As its namesake aptly promises, the Chase Free Cash RewardsSM Visa® Card does offer rewards redeemable for cash, but also gift certificates and other choice selections. At the rate of 1 point for each dollar purchased with the credit card, the benefits add up over a period of regular usage. As a bonus, 1,000 points are automatically credited to the cardholder's account upon the first purchase with the card.

The option of picking and choosing the rewards received is a great concept and works well with cash rewards credit cards, but this Chase Free Cash RewardsSM Visa® Card might be a little stingy when it comes to the points actually given. Many other cash rewards credit cards offer a higher percentage of rewards on certain categories of purchases, such as gasoline or groceries. This is worth consideration as the options are weighed.

Other Than The Rewards, Where Does This Card Stand?

Backed by Visa, the Chase Free Cash RewardsSM Visa® Card is indeed accepted nearly everywhere, so that's a plus. The credit card does not charge an annual fee as many others do – again, another upside. However, for a credit card intended for those with good and excellent credit, the grace period of 20 days isn't quite up to par.

The Final Word

Don't be mistaken, the Chase Free Cash RewardsSM Visa® Card is not a bad choice by any means, but there are other cards available that out deliver it in just about all aspects.

J.P Morgan Chase & Company is successfully serving millions of institutional, private and corporate customers in the United States. Chase is a company of repute and functions in over 50 countries.

Chase has brought for its customers the Chase Free Cash Rewards Visa Card, which provides you cash back facilities. If you are looking for a credit card with such a rewarding option, you can try out this card.

The Card Rewards

The Chase Free Cash Rewards Visa Card offers its customers a fabulous rewards program that makes it possible for you to obtain one point for spending one dollar. This is not all; on reaching the 2500 point-mark, you will get a $25 gift check.

The cardholder also has the option of selecting a $25 gift certificate from a range of retailers and merchants. Furthermore, the credit card gives you the opportunity of earning an extra 1000 bonus points for making your first purchase using the card. The maximum number of points you can earn in a 12-month time-period is 60000 points. The rewards have no expiration period.

The card enables you to be on the fast track for receiving cash back facilities. If you have fabulous credit and desire to have a credit card with a sound rewards program, you can go for the Chase Free Cash Rewards Visa Card.

This credit card, however, might not be suitable for you if you want to carry an occasional large revolving balance, as the card uses the ‘Two Cycles Average Daily Balance’ method for determining finance charges. The makes the card a little expensive in comparison to credit cards using the ‘Average Daily Balance’ method.

Other Benefits

On qualifying for the Chase Free Cash Rewards SM Visa Card, you can get to enjoy a 0% introductory rate, which is applicable for a full year’s purchases and balance transfers. However, with the expiry of the introductory period, you can still enjoy the low rates on purchases and balance transfers. These facilities along with the no annual fee feature are certainly very beneficial for the customers.

The card also comes with other enjoyable facilities, like travel accident insurance, rental car insurance and extended warranty. It also offers access to the usual Chase platinum services and benefits, such as extended warranties for purchases, auto rental insurance and travel accident insurance.

The card also offers facilities like many Internet account related services, many travel and emergency assistant services, and lost and stolen card reporting.

You can also enjoy emergency card and cash replacement, no liability for unauthorized transactions, a financial statement at the end of the year and other benefits. However, it is advisable to be cautious about the applicable limitations, exclusions and restrictions.

The J.P.Morgan Chase and Company is one of the renowned and leading financial service providers in the world. It provides its services to over 50 countries in the world.

The myriad of credit cards offered by the Chase Company is very beneficial. The Chase Free Cash Rewards Visa Card is one of the cards, which is popular for its cash back facility. The Cash Rewards Visa Card enables you to earn points and in return, the points can fetch you other gifts and money. If you are interested in getting your cash back, then this credit card should be your option.

Cash Back Reward Program

The credit card is specifically designed for those who have very good credit and would like to benefit from the card’s cash back reward program. The cash reward offered by this credit card is very lucrative. You will have ample opportunities to earn points for every dollar you spend and eventually the accumulated points will fetch you gift certificates or cash.

As said, you earn a point for spending a dollar. Again, your first purchase entitles you to 1000 bonus points. Your awards start at mere 2500 points. You will be free to choose your reward – you can opt between $25 gift checks and $25 gift certificate from leading national-level merchant, once you reach the 2500-mark. The maximum number of points you can earn in a year is 60000 points, which have no expiration time as such.

Card Features

If you qualify for the Cash Rewards SM Visa Card, then you can enjoy 0% introductory rate on balance transfers and purchases for the first twelve billing cycles. Once the introductory period expires, you can still enjoy a reasonable APR of 14.24% on purchases and balance transfers. The card is fee free; application fees, participation fees, inactive fees, reload fees, etc., are all non-applicable.

The card features and rewards make it a great option for people who have good credit and clear their payments regularly; however, it may not benefit you if you carry a revolving balance. The ‘Two Cycles Average Daily Balance’ method for calculating finance charges will cost you heavily – burdening you with huge interests and ruining your prospects for earning cash-back.

The Perquisites

The credit card also offers standard platinum services and benefits. Extended warranty, rental car insurance, travel accident insurance and other similar benefits can be availed with this credit card.

The Chase Free Cash Rewards Visa Card allows you to enjoy many account related services like the emergency cash replacement, emergency card replacement, travel and emergency assistance services, purchase protection, no liability for unauthorized transactions and other such helpful features. Nevertheless, you should pay heed to the limitations, restrictions and exclusions before accepting the card.

The Chase Free Cash RewardsSM Visa® Card, issued by Chase, is designed for those with very good credit who would like a card that offers a cash back reward program.

Through the reward 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.

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 the first twelve billing cycles and no annual fee.

Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.

Credit Card Pros and Cons

Pros:

Long term 0% introductory rate on purchases and balance transfers
No annual fee
Bonus points
Reasonable interest rate for purchases and balance transfers
0% introductory rate on purchases and balance transfers
cardholders have access to common platinum benefits provided by Chase
Various Internet account related services.
Emergency card 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).

Those who qualify for the lowest rate offered and will take advantage of the reward program will benefit most from what the Chase Free Cash RewardsSM Visa® Card has to offer.

Cons:

Uses "Two Cycles Average Daily Balance" method when determining finance charges

Card Details:

Introductory Rate: 0.00%
Time Period: 12 Months
Applied Towards: Purchases, Balance Transfers
APR (Purchases): 14.24% Variable *
The APR for purchases is based on the Prime Rate.
APR (Cash Advances): 24.24% Variable *
The APR for cash advances is based on the Prime Rate.
Finance Configuration: Two Cycles Average Daily Balance (including new purchases)
Annual Fee: $0
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: n/a
Maximum Credit Limit: n/a
Late Payment Fee: $15 if balance is less than $250; $39 if balance is $250 or more
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: 3%, $5 minimum, $75 maximum *To view the most current rates, please see the most recent: Terms and Conditions

Card Reward Program Details:

Points per Dollar: 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 Points: First Purchase: 1,000 Points

Notes:

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.