Review of the Visa

The Chase Visa credit card was last reviewed on 22nd July 2006

Summary - The Chase Visa credit card will appeal to those who buy stuff frequently from as it allows you to earn points when you use the card. These points can then be exchanged for gift certificates which you can use to save money towards future purchases. Find out more ....

Reward Formula - The Visa allows you to earn three points for every dollar you spend at You earn one point for every dollar you spend on "other purchases". Once you have earned 2,500 points, you can exchange them for a $25 gift certificate which you can use at Purchases made at,,,,, or any other Web site operated by, its affiliates or any other person or entity are not eligible for triple points.

Fees - There is no annual fee for the Chase Visa. New cardholders get a 0% apr introductory offer for both purchases and balance transfers for six billing cycles.The apr is prime rate plus 6.99%, 10.99% or 14.99% depending on your credit. The two-cycle average daily balance method for computing balances.

Verdict - For those who buy stuff from frequently (and there was a time where I used to do that every month), the Platinum Visa will be very useful because you can earn gift certificates. You also earn extra (three points for every dollar) when you use the card at

Chase Visa Credit Card/font>
Reward Benefits
Reward Formula Earn 3 points for every dollar you spend at
Earn 1 point for every dollar you spend on other purchases
Travel and Insurance Benefits
Up to $100,000 Automatic Travel Accident Insurance
Other Benefits
Online Account Access
Online account statements
Chase Bill Management Center
Credit Line increases
Cost/Fees/Interest rates
Introductory rate 0% introductory APR on balance transfers and purchases for first 6 billing cycles
Annual Fees No annual fee
Purchase APR Prime Rate plus 6.99%, 10.99% or 14.99%
Balance Transfer APR Prime Rate plus 6.99%, 10.99% or 14.99%
Cash Advance APR Prime Rate plus 15.99%
Penalty/Default Rate APR Prime Rate plus 23.99%
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method 2-cycle average daily balance method (including new purchases)
Balance Transfer Fee 3%, min $5.00 max $75.00
Cash Advance fee 3% min $10.00
Over-the-credit-limit fee $35.00
Late Payment fee $15.00 - up to but not including $250
$39.00 - $250.00 and greater

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