Chase Credit Cards Review

Having carried the Chase Freedom credit card for some time, I thought it was worth taking a look at some of the best Chase credit cards currently available. Like many major card issuers, Chase has designed their top cards to address just about every consumer need. Chase credit cards range from a basic no frills card like the Chase Platinum Premium card to cards with very competitive travel and cash back rewards like the Chase Freedom card. Before looking at the specific card, however, it's worth noting that Chase has implemented tiered interest rates.

Credit cards once came with one purchase interest rate. Everybody that obtained the card had the same initial interest rate. Today, many card issuers have implemented tiered interest rates where a cardholder's rate depends on their credit score and credit history. Chase has implemented a three-tiered interest rate that is calls Elite, Premium and Standard Pricing. Elite pricing is for those consumers with excellent credit, Premium for good credit, and Standard for all others that qualify for a Chase credit card.

The difference in the three pricing levels is significant. For example, the interest rate for Standard Pricing can be almost twice the rate charged to Elite cardholders. On top of that, for many of Chase's credit cards, 0 APR introductory rates are available for Elite and Premium Pricing cardholders only.

Chase Platinum Premium Card

The Chase Platinum Premium card is ideal for those looking for a solid card with relatively low interest rates and a 0% introductory interest rate offer. For those that qualify for Elite or Premium Pricing, the card offers a 0% APR introductory rate for 12 months on balance transfers and purchases. The regular interest rate on purchases is the prime rate plus 5.99% (Elite), prime rate plus 9.99% (premium) or prime rate plus 14.99% (Standard).

Here are the Platinum Premium Card's key features:

• 0% intro APR for up to 12 months*
• Zero liability on unauthorized purchases*
• 24/7 online account access
• Worldwide travel accident insurance
• Auto rental collision damage waiver
• No annual fee

Chase Freedom Credit Card

The Chase Freedom credit card is the flagship reward card offered by J.P. Morgan. The card comes with a 1% cash back on all purchases. For the first six months, the card offers 3% cash back on gas, groceries and fast food purchases. In addition, you can earn up to 10% cash back when you shop online with Chase Rewards Plus, an online shopping portal.

In addition to the cash back, cardholders who qualify for the Elite and Premium pricing also receive a 0 APR introductory rate on purchases for 12 months. Here are the details in a nutshell:

• 3% bonus cash back on gas, groceries and fast food purchases for the first six months*
• 1% unlimited cash back on everything else. No cap, no expiration*
• 0% intro APR on purchases for up to 12 months*
• No annual fee
• Earn up to 10% cash back when you shop online with Chase Rewards PlusSM*
• Shop securely with Chase. Our innovative fraud monitoring system detects and alerts you of suspicious charges
• Zero liability on unauthorized purchases*

Chase Freedom Plus

The Chase Freedom Plus is Chase's travel rewards credit card. After your first purchase with the card you'll earn 10,000 bonus miles. The card also pays 1 mile for each dollar spent, and triple miles in the six categories in which you've spent the most money each month (e.g., groceries, drugstores, restaurants, etc.). Another nice feature of this card is that you can switch between miles, points and cash rewards. Unlike the Chase Freedom, however, there is no 0 interest introductory rate offers. Here are the details:

• Receive 10,000 miles after your first purchase*
• Earn Triple Miles in the 6 bonus categories where you spend the most each month*
• Earn 1 mile on all other purchases*
• No rewards expiration and unlimited earning
• Switch between miles, cash back and points – and take your rewards with you!*
• Annual program fee is waived for the first year–that's a $30 value!

Chase Business Card with Premier Cash Rebate

With the Chase Business Card, you earn 3% cash back on all eligible business purchases. Cardholdersl earn 1 base point for each $1 of net purchases. In addition, the card pays out 2 bonus points for each $1 of eligible net purchases made at gas stations, restaurants, hardware stores, home improvement stores, and office supply stores. Depending on credit history, the card offers 0 APR introductory rate for either six months or three months. The standard purchase APR is currently as low as 9.24%. Here is some more information:

• 0% intro APR for up to 6 months*
• Earn up to 3% cash back for every dollar you spend on eligible business purchases*
• Earn 1% cash back on all other purchases*
• Rewards that can be redeemed for cash will appear as points on your statement*
• No annual fee
• Free additional cards for your employees
• Free quarterly reports and online account management tools to help you keep track of your business expenses

Chase PerfectCard

The Chase PerfectCard is designed for those looking for gas rebates. The card offers 6% cash rebate on gas purchases for the first 90 days, and 3% thereafter. In addition, the card offers 1% cash back on all other purchases. Rewards are automatically credited to the card for future purchases. Depending on your usage, the card can generate substantial savings. For Elite and Premium Pricing, the card offers zero interest for six months on purchases and balance transfers. Here are some more details:

• 0% Intro APR* for 6 months
• 6% Automatic Cash Back on all eligible gas purchases for the first 90 days and 3% Automatic Cash Back after that
• 1% Automatic Cash Back on ALL other purchases
• Automatically receive your Cash Back Rewards as a credit on your statement every month
• No limits on the amount of cash back you can earn and no expirations
• No Annual Fee

Chase +1 Student Card

The Chase +1 student credit card is designed to extend credit to college students with little or no credit history. As with most student cards, the interest rate on purchases is high, ranging from 13.24% to 18.24%, with a 0 APR introductory rate on purchases for the first three months. Unique to Chase, the +1 student card offers karma points through a Facebook application. While karma points can be earned through use of the card, there are other ways to earn points, such as taking a credit essentials online quiz designed by Chase. Karma points can be used to purchase music, electronics, and other products on the Chase +1 online store. Here are the details:

• 0% Intro APR*
• No Annual Fee
• Earn Karma points with Facebook
• Share points with friends or give points to support causes
• Redeem points for music, movies, electronics, and more at the Chase+1 store

You can get more information about these credit cards and apply for a card online at www.chase.com.

Tagged as: chase credit cards, freedom card

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