Credit Card Offers: Chase Bank Credit Cards
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Today marks the second installment of the weekly Saturday look at current credit card offers from major issuers. This series is designed to highlight the features and offers that you might be most interested in.
Last week’s review focused on PenFed credit cards, including a PenFed Rewards American Express card that was rated as one of the best credit cards of 2009 by CardRatings.com for travel rewards of up to 5 bonus points for every dollar spent.
Today, we’ll be reviewing current Chase Bank credit card offers, including several which feature Chase Blueprint, which was ranked as the Most Innovative New Program of 2009 by CardRatings.com (see below for a description of Chase Blueprint).
Chase Sapphire
Chase Sapphire is a no annual fee rewards credit card which has a limited time offer of 25,000 bonus points after you spend $3,000 in the first 3 months – that’s $250 toward a round trip flight or any other reward. You also earn 1 point for every dollar you spend and 2x points on all airfare booked through the Travel Booking Tool. There’s also up to 2 points per dollar spent on dining.
There is no annual fee for Chase Sapphire. The card also comes with zero liability for unauthorized purchases, and purchase protection which replaces, repairs, or reimburses items within 90 days from date of purchase for eligible reasons.
There are no blackout dates or travel restrictions when you use your points for airline tickets on most major airlines, any class. You can also purchase flights with both point and dollar values so you can choose how many points you want to use and pay for the rest in cash.
Chase Sapphire features Chase Blueprint.
Chase Sapphire Preferred
Chase Sapphire Preferred is similar to Chase Sapphire in that it is a rewards card in which you earn points for everyday purchases. However, with Preferred, you’ll receive an annual 7% points dividend based on the total points you earned that year – so you’ll earn points on your points.
Points from Chase Sapphire Preferred are also worth 20% more than regular Chase Sapphire points when used to book flights through Ultimate Rewards. And instead of the 25,000 bonus points, you can start with 50,000 bonus points after you spend $3,000 in the first 3 months – that’s worth $625 toward airfare or hotel accommodations – or use your points toward just about anything else. This offer is only for a limited time. There is also a $95 annual fee, which is waived for the first year.
Chase Sapphire Preferred features Chase Blueprint.
Slate from Chase – No Balance Transfer Fee
For those with good to excellent credit, Slate from Chase offers a 0% Intro APR for up to 15 months on purchases and on balance transfers. However, it lacks a rewards program, and aside from perhaps a slick design and name, after a quick review of terms I couldn’t otherwise see why someone might pick Slate over Chase Freedom. However one reason might be in the details: Slate offers a 0% balance transfer fee. If you transfer your higher rate balances during the first 30 days your account is open you will pay no balance transfer fee. After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
Slate from Chase – No Balance Transfer Fee features Chase Blueprint.
Chase Freedom® Visa $100 Bonus Cashback + 0% Intro APR
Freedom® Visa $100 Bonus Cashback is a cash back credit card which offers 5% cash back rewards in rotating categories such as gas, groceries, airlines, and many more categories, subject to quarterly enrollment and maximum. These categories rotate every 3 months.
All purchases not in the 5% rotating category earn 1% cash back.
Chase Freedom® Visa $100 Bonus Cashback features Chase Blueprint.
Ink CashSM Business Card –
Chase Ink Cash is a business cash rewards card. Earn $250 cash back after you spend $5,000 in the first three months.
Features include roadside assistance for towing and locksmith services, auto rental collision damage which includes collision and theft automotive coverage on rentals made with your Ink Cash card, and travel accident insurance up to $100k.
Chase Ink Cash features Chase Blueprint, which can come in handy for businesses who tend to buy big ticket items.
Ink Bold(sm) with Ultimate Rewards – 50,000 Bonus Points (Business Credit Card)
This business credit card will allow you to earn 5x point for each $1 of net purchases on the first $50,000 spent annually on eligible business purchases.
Ink Bold(sm) with Ultimate Rewards – 50,000 Bonus Points comes with a concierge service to help you with worldwide travel, conference, and office space arrangements. The $95 annual fee is waived the first year.
Continental Airlines OnePass® Plus Card
With Continental Airlines OnePass® Plus Card earn up to 40,000 bonus miles & annual fee for the first year is free ($95 value).*This card allows you to have priority boarding privileges on Continental and United flights. Check your first bag for free, up to a $50 value. Two Annual Presidents® Club Day Passes. Your miles don’t expire and there is no limit to the number of miles you can earn with Continental Airlines OnePass® Plus Card .
Chase Freedom® MasterCard – $200 Bonus Cash Back
Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months with Chase Freedom® MasterCard – $200 Bonus Cash Back .You’ll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It’s free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchase.You also get up to an additional 10% Cash Back when you shop online at select merchants through Chase.No annual fee and rewards never expire.
About Chase Blueprint
According to Chase, “Blueprint is a unique set of features that lets you manage your finances – on your terms.” It’s essentially a set of features they’ve established which helps you manage how you pay off your purchases. For example, you can:
- Select items to be paid in full (and thus avoid paying interest)
- Split your payments on large purchases, and create a repayment schedule for a specific purchase (e.g., create a plan to pay off your new refrigerator in 7 months)
- Group purchases together and create a plan to pay them off within a certain time period
- Set goals by spending categories and track purchases against your goals
When it comes right down to it, these are things you could probably figure out and plan for using some simple math, but it can be helpful since these tools are ready for you to use (especially for those of you who are less inclined to pull out your budget and do some planning).
And if you’re spending a lot of time trying to figure out how you are going to pay down a large amount of debt, you may also want to consider whether you are using credit cards responsibly.
Note: Offers change frequently; please be sure to check the offer website to ensure all details and information are correct.
Other credit card deals available:
Published on March 27th, 2010 - 15 Comments
Filed under: Credit Cards, Reviews
About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
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Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months. 5% Cash Back on up to $1,500 spent in bonus categories each quarter.
Receive 10,000 Membership Rewards bonus points when you spend $1,000 in 3 months of Card membership.
Earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
Enjoy a 0% introductory rate for 18 months on Balance Transfers and 6 months on Purchases. Earn up to 5% cash back in categories that change.
Enjoy no balance transfer fee for a limited time. 0% introductory rate on Balance Transfers and Purchases. Earn up to 5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*
Enjoy no balance transfer fee for a limited time. 0% introductory rate on Balance Transfers and Purchases. Earn up to 5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*
Enjoy amenities for you and your business, like: complimentary airport club access, including American Airlines Admirals Club(R) lounges.
5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*. Up to 1% unlimited Cashback Bonus on everything else. No annual fee
Earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
Reports to 3 major credit bureaus monthly and acceptance at millions of locations worldwide, including website purchases and reservations.
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March 27th, 2010 at 10:30 am
I’ve been very happy with my Simmons First Visa. No annual fee, no rewards, just the lowest rate card available in the US (7.25% variable).
The _penalty_ rate on the Simmons card (16.25%) is lower than the “Premium” rate on those Chase cards (22%) – lol.
March 28th, 2010 at 8:43 am
Dollar for dollar (so to speak), the PenFed cards look better than the Chase ones. I prefer 5% on gas year around versus Chase’s 5% on rotating categories…
Also, my biggest worry is having a Chase card that is not accepted somewhere, while PenFed has Visas, which is accepted nearly everywhere.
@Nickel: Do you plan on doing an apples-to-apples comparison of these cards?
March 28th, 2010 at 9:21 am
Anthony: Good question. Perhaps we’ll do a roundup of the best cards once we get through more issuers. Also, Chase issues both Visa and Mastercard credit cards.
March 28th, 2010 at 11:27 pm
One warning about dealing with Chase: you have to watch your statements very carefully. In January last year I received notice that the interest rate on my Chase business card was going to almost double. I called Chase and cancelled the account, payment to be made at my current interest rate. In July I received notice that the interest rate on the (closed) card was going up six more points. I called Chase, and the csr told me to ignore the letter – it didn’t apply to me. Lo and behold, two months later when I received my statement, the interest rate had risen to the rate they’d indicated in July! Once again, I called Chase to check this out. The csr I spoke with said I had to pay the rate since I hadn’t opted out of the second notice. I was outraged, to say the least. I told him there was no way I’d pay an increased rate on a closed card, and I didn’t care what Chase did to my credit rating. I told the csr I would only pay what I owed, with no interest at all, if they didn’t clear this up. Within the week I received a letter that included an apology and confirmation (yay! written confirmation!) that my interest would stay at the rate it was when I opened the account. People have to watch these companies!
March 29th, 2010 at 2:52 am
I never pay interest because I always pay in full a day before payment is due. As soon as my closing date arrives, I schedule payment online for the due date and keep copy of the receipt in my folder. Been doing this for many years and never had any problems. Never paid any annual fees on Chase and never paid a penny in interest. They can raise my APY anytime, but if I pay in full each month, I really don’t care.
March 29th, 2010 at 9:10 am
Has anyone had any luck switching types of cards within one cc company? For example, I currently have a Chase Starbucks Duetto card, which I’ve been informed is going away as Starbucks and Chase are parting ways. So I’ll get a Starbucks gift card with whatever my rewards are at that moment and the Chase card will turn into a “regular” rewards cc with a 1% point rewards system. I am tempted to call Chase and ask if I can switch to, say, the Freedom card without having to close the one and then apply/open a new cc acct. Do they do that sort of thing?
March 29th, 2010 at 4:11 pm
The Chase Freedom card looks like a great way to supplement 5% from the Discover category. I’m a little peeved at the very low caps for Discover More categories ($200 limit for 5% back on Groceries this month) and will probably look into the Chase card or AMEX Blue Cash in the next few months.
April 1st, 2010 at 11:15 pm
Chase Bank, If you follow the rules and pay your balance, They’ll bend you over.
Chase Banks unethical lowering of credit and damage to credit score of people who should be rewarded for being responsible but instead are punished.
I have excellent credit and I’ve felt the tender mercies of the “bailed out” Chase Bank up close and person. From the outsourced pod person you might reach after hitting buttons 30 minutes to the thief CEO and President of this whorish bank.
I wouldn’t walk three feet to a water hose if any of these bastards were on fire.
April 3rd, 2010 at 2:24 am
Fairydust, you just have to call Chase and ask or email them. I have Chase Freedom Visa and Chase Freedom MC. I wanted to convert the Visa to another MC, but Chase cannot do it. They said these are two different providers. However, Chase offered to let me convert my Chase Freedom to Sapphire or Slate. My Freedom has better rewards points than the two latter cards, so I declined.
April 29th, 2010 at 2:17 pm
Ditto to T Roberts comment about Chase!!!!
I would like to find a card to replace Chase but a little skidish. Not sure if the new card would do the same thing.
September 19th, 2010 at 1:31 pm
Regarding Chase cards – PLEASE read the contract very carefully. You will be VERY surprised at what you are allowing them to do by signing it.
I’m a retired banker and presently assisting a friend who has a business account with them and has had to threaten legal action to get the $22,000. back that they decided to debit from her checking account for no apparent reason. When she asked the CSR what the debit was for, the CSR responded” We can take money from your account any time we want to and this won’t be the last time we do it”. They gave it back to her 2 days later without so much as an apology, but it took over 6 hours on the telephone and 2 calls to the branch manager of her bank to get it resolved. Needless to say, my friend is moving to a new VISA company
November 22nd, 2010 at 1:22 am
My credit card burned in a fire. How do I get it replaced?
April 28th, 2011 at 10:32 pm
BEWARE OF CHASE.
You can be a very long term cardholder, making all your payments (even just the minimums – and making them $$$$$) and they will NEVER EVER lower your interest rates. In fact, they will jack it up so high so quickly you may not even notice! Pay attention. Some companies out there will assist a long term customer, but NEVER Chase.
I agree COMPLETELY w/previous posters, WATCH YOUR STATEMENTS, be wary, they will do anything and everything they can to screw up your credit and charge off your debts…choose another company if you can. I have never had another brand do anything in the same way Chase has and I will spread this word to everyone that will listen, in hopes I cost them.
April 29th, 2011 at 12:01 am
how due i talk to i need a real person im ready to go postal
what number due i call if talk to a nother outsourced
indian i have calling all day
June 8th, 2011 at 5:45 pm
I think a Chase Sapphire Preferred is much better due to the beneficial dividends it yields annually.