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Credit Card Reviews » Chase PerfectCard MasterCard® |
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The Chase PerfectCard™ MasterCard® is designed for those with very good credit who make frequent gas purchases.
Unlike other gas credit cards that require a cardholder to use their card at specific gas stations, this card allows cardholders to earn a 3% rebate on gasoline purchased at any gas station. In addition, a 6% rebate is applied to all gasoline purchases made with the card during the first 90 days. The maximum rebate that cardholders can earn for gas purchases is $15 per month. Cardholders also earn a 1% rebate on all other purchases, which is unlimited.
Aside from the reward program, the card provides several benefits that include a purchase protection plan, travel accident insurance, and auto rental insurance.
For a reward card, the interest rate applied to purchases and balance transfers is reasonable (for those who qualify). There is also a 0% introductory rate that applies to both purchases and balance transfers for up to six months, and there is no annual fee associated with this card.
Therefore, those who qualify for the lowest rate offered and will use the card frequently for gasoline purchases (to earn rebates) will benefit most from what the Chase PerfectCard™ MasterCard® has to offer.
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0% Intro APR on Purchases, Balance Transfers for 6 months
10.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* 0% Intro APR for up to 6 months) |
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| Finance Configuration: Average daily balance method (including new purchases). |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to, but not including, $100; $29 on balances of $100 up to, but not including, $250; and $39 on balances of $250 and over. |
| Over-The-Limit Fee: $39 |
| Cash Advance Fee: 3% of the amount of the transaction, but not less than $10.00. |
| Balance Transfer Fee: 3% of the amount of each transaction, but not less than $5.00 nor more than $75.00. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 1% |
| Rebate Maximum: 6% |
| Additional Rebates: None |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: The maximum rebate you can earn for gas purchases on a monthly statement is $15. The 1% rebate earned on all other purchases is unlimited. |
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| Additional Features for Chase PerfectCard MasterCard®: |
Various Internet account related services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
No liability for unauthorized transactions.
Fraud and security protection services.
Purchase protection.
Extended warranty for purchases.
Auto rental insurance (MasterRental).
Travel accident insurance.
Year-end financial statement (upon request).
Various travel and emergency assistance services.
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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| Important Notes for Chase PerfectCard MasterCard®: |
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. |
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| Notes: The review on Chase PerfectCard MasterCard® was updated on May 12, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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