Tag Archives: rewards
What Does The Best Credit Card Look Like?
What is the best credit card? Is it an elusive fairy tale that doesn’t exist or is it a tangible item that you could one day obtain?
Believe it or not, the best credit card is indeed out there, but one person’s best credit card is another man’s nightmare.
Here are seven questions to help you find the best credit card for you.
1. Do You Hate a Balance?
If you pay your balance off in full each month and you can’t stand the thought of accruing interest, a rewards credit card is probably the best credit card for you. After all, you don’t pay interest anyway so a low-interest credit card isn’t going to do you any good.
You may as well be rewarded for your good spending habits and take advantage of the perks that rewards cards have to offer.
2. Do You Have High Debt?
If you carry large amounts of debt on your credit cards, a low interest credit card will be the best credit card for you. Rather than paying more for rewards (that don’t pay for themselves, no matter what they tell you) you will pay much less in interest and will be able to get your balances paid of faster.
3. Are You Planning To Make a Large Purchase?
Need to buy a stove, fridge, television or other big-ticket item? Then consider getting a credit card with a low introductory APR. If you only need six months to pay off a large purchase, a credit card offering an intro APR of 0-percent for six months is the best credit card for you.
4. Do You Travel Frequently?
Are you a jet-setter? Do you like to travel the world? If so, the best credit card for you would be a travel rewards card. In fact, some travel rewards cards even let you double dip.
What does this mean? Certain credit cards not only offer you miles for the purchases you make, but also allow you extra points for each dollar spent, which can be used for room upgrades at hotels and other travel perks.
5. Do You Believe in Charity?
If you like contributing to charities, you might be surprised to find out that there’s a credit card out there specifically for you. While some cards offer rewards, others will donate 1 to 2 percent of the amounts you charge to a specified charity.
While these cards also have higher interest rates than the low-interest credit cards, if you pay your balances in full each month they are a great way to do some good without spending anything out of your pocket, making them the best credit card for you.
6. How’s Your Credit?
If your credit has taken some significant hits lately, a secured card may be the best credit card for you. While a secured credit card does require a security deposit (acting as a savings account for you), it is a great way to rebuild your credit history and improve your creditworthiness in the eyes of lenders.
7. Are You All About Appearances?
Are you the type of person who really doesn’t care about interest rates, but you definitely want perks and you want to be recognized as the upper-class, respectable individual you are?
Then a carte blanch card (such as Diners Club and American Express) is the best credit card for you.
As you can see, the best credit card for one person isn’t necessarily the best credit card for everyone. After you have answered the above questions, look for an offer that matches the best credit card for you.
Chase Credit Cards Online
Online credit card applications seem to be the in thing and Chase too offers online credit card application facility. Here, ‘Chase dot com credit cards’ refers to the chase credit cards that can be applied for online. Just for those who don’t know, ‘Chase’ is a brand that is owned by JPMorgan Chase & Co. (a leading global financial services firm).
By ‘Chase dot com credit card offers’, I mean the credit card offers that are available at chase dot com. Obviously, ‘Chase dot com credit cards’ would be regulated by chase. Again, as with any other credit card supplier, ‘Chase dot com credit cards’ on offer would be changing too.
Anyways; one night, before going to bed, I thought of just checking the chase dot com credit cards section. Here is what I found:
There is a separate Chase dot com credit cards section. As I browsed through the Chase dot com credit cards section (the online application ones), the first one I encountered was called ‘Chase Cash Plus’ or the ‘Chase Cash Plus Rewards’. These promise faster rewards and offer 5% earnings on gas and on purchases made at grocery-stores/drug-stores. For other shopping venues, it offers 1% earnings. These earnings can be in the form of gift certificates or cash.
The next on the Chase dot com credit cards section was the ‘Flexible rewards Visa signature card’. Here you earn a point for every purchase of $1. You can keep collecting these points and then finally redeem them for your choice of things (like cash, travel, gift certificates or some kind of merchandise). The redemption can start at 2500 points (and you get a bonus of 1000 points once you make the first purchase). Moreover, this one doesn’t have any annual fee either. So that was the second one in the Chase dot com credit cards section.
Moving on in the Chase dot com credit cards section, I found ‘Free Cash Rewards Platinum Visa card’. This one, as the name goes, offers cash rewards. You can get a $25 check or a gift certificate on redemption of 2500 points. Since there is one point earned for every $1 spend, this mean that you effectively get 1% cash back on these cards.
I had started loving browsing through the Chase dot com credit cards section. So I moved on to the next one in the Chase dot com credit cards section. The next one on the Chase dot com credit cards section was ‘Chase Perfect Platinum MasterCard’ which doesn’t limit you to getting rebates only on a particular brand of gasoline; instead, you get rebates everywhere. ‘
Chase Platinum MasterCard’ was the next one in the Chase dot com credit cards section. This one offers online account management i.e. monthly statements, bill payments etc can all be done online (also you don’t have any annual fee on this one).
There were few more cards on Chase dot com credit cards section and one especially caught my attention. This one was at the bottom of Chase dot com credit cards section and was called ‘Check Gallery Platinum Visa Card’. Here you could choose the design of your card from those available e.g. cowboys, smileys etc.
By now, I was so sleepy that I really had to shut down my computer and go off to sleep.
Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time.