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Credit Card Reviews » Chase Platinum Visa® |
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If you have very good credit, you should get more than a credit card with good benefits. Your credit card should have a rewards program that gives you something back for your spending. When you use the Chase Platinum Visa® card, you will get all of the benefits of a platinum credit card, and a great rewards program to boot. This card, issued by Chase, gives you the flexibility you need to get the rewards you really want.
Many reward cards limit the spending areas in which their users can earn points, making it difficult to get much out of their rewards program. But not when you use this credit card. When you use your Chase Platinum Visa® credit card, you will earn one point for every single dollar that you spend, no matter where you're spending your money or what you're spending it on. In this rewards program, you'll be getting a little something back every time you go shopping.
This card doesn't just give you flexibility in how you earn your points'it gives you flexibility in how you spend them. Your points aren't redeemable for just one type of product or service. When you use a Chase Platinum Visa® credit card, you can redeem your points for cash back, travel, merchandise, or even gift cards. The choice is yours. There is a maximum of 60,000 points that you can earn each year, but you'll have five years to use them before they expire.
The interest rate that you will receive as an individual will depend upon your personal credit history, but this card offers a relatively reasonably low interest rate for those who qualify. This card also offers an attractive introductory rate of 0% on both purchases and balance transfers for your first twelve months of use. The method that this card uses for calculating finances charges can make carrying a balance pretty costly, so this card is best for those who intend on paying their balances in full each month. Best of all, this card has absolutely no annual fee, so all of your rewards come at no additional cost to you.
This card also comes with a variety of benefits and services for its users. You will receive travel accident insurance, automatic auto rental insurance, and free online account access, so you can always get a hold of the information you need, when you need it.
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0% Intro APR on Purchases, Balance Transfers for 12 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 12 Months on Purchases and Balance Transfers) |
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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: n/a |
| Bonus n/as First Purchase: n/a |
| Bonus n/as Other: n/a |
| Expiration: 5 Years |
| Yearly Limit: 60,000 Points (5,000 per billing cycle) |
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| Additional Features for Chase Platinum Visa®: |
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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| Important Notes for Chase Platinum Visa®: |
The APR for purchases 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 Platinum Visa® 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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