In the world of credit cards, Chase credit cards are perhaps the most well known ones available. Chase bank has been offering these for a number of years; but, they did not start out by offering credit cards. As Chase bank began to grow and acquire other banking institutions, they acquired the credit card departments as well.
Over time, Chase credit cards have become a major player in the Chase family and continue to do so today. As time moves on, Chase has added many different types of cards in their arsenal so that they can offer credit cards to individuals in every walk of life, both personal and professional.
Read through this Chase credit card review and then use the free credit card “chaser” to find and compare credit card rates and offers from top companies online.
The Necessity of Credit
It is important to understand that credit has become a necessary commodity in today’s world. Whether you are looking to finance a car or a home, having credit is an important part of the process. Establishing good credit is where credit cards come in.
Before you can get a loan at a bank to finance a vehicle or purchase a home, you have to show that bank that you are going to be responsible and make the payments that you own. You can do this by getting a credit card and making regular payments on the purchases that you make. You also have to show that you are keeping an appropriate balance on your card based on your income as well. Selecting an appropriate card provider to meet your needs is a critical step.
Chase and other credit card services provide you with the opportunity that you need to establish your credit. With several credit card options for individuals with no apparent credit, as well as for those who have established a little credit but need to create more, Chase offers low interest options in their credit cards by offering cards with an annual fee to negate the higher risk for individuals with no or low credit.
Chase Personal Credit Card Choices
One of the reasons that Chase bank is so popular for their credit cards is because of the many options they have for their credit card carriers. You can choose your card based on your personal interests, such as shopping, music, etc. and receive a card with rewards based in that area.
For example, the TJX card offers you a discount on your first purchase with TJX, or the Disney card, which assigns award points from your spending that can be used toward Disney purchases. This card also offers you 0% interest for six months when you purchase a Disney vacation. Other cards offer cash back, flying points, free music and more, depending on which card that you choose.
You also have a wide variety of card style options when you choose a Chase credit card. Whether your interests range from a cure for cancer or as an alumnus to a college of your choice, you will be able to find a card design that appeals to you. If you like things more simple, you can choose from a variety of colors as well as backgrounds such as a picture of your choice. Many people find that these options appeal to them just as much as a lower APR or no annual fee.
Chase Business Credit Card Choices
Chase also offers a wide range of business credit cards as well. This applies to small and large businesses alike and offers things like auto and gas reward cards. Another benefit is that cell phone providers and software programs offer savings when making purchases of specific items with a Chase credit card. With the Chase featured business credit card, businesses are offered 3% cash back on select purchases and 1% cash back on all purchases, providing business owners with many options to choose from.
Choosing the Right Chase Credit Card
Choosing the right Chase credit card is going to depend a lot on your current situation. Someone who is looking to build their credit may need different options than someone with establish credit who is simply looking for buying power.
You will also want to consider your current financial situation as well. If you do not make a lot of money, you will want to keep a card with a lower allowance (but not under $500) so that banks will not see you as a risk in overspending if you are looking for a loan. You will also want to keep the balance on your card low as keeping a card maxed out is a warning sign for banks and can adversely affect your credit score.
Take some time to decide what deals are the best for you. Some Chase cards are offered at an introductory 0% interest rate, but have a higher rate once the introductory time is over than a card that offers a lower rate from the very beginning of card use. In addition, some cards offer a very low interest rate, but charge an annual fee. You should read the terms and conditions of every card carefully before you make your decision about your Chase credit card.
Compare Chase Credit Card Offers
A Chase credit card may not be the right card for you, and knowing this is just as important to your decision making process. You can find out what cards are right for your situation by using the credit card chaser above. Instead of you visiting site after site, and reading dozens of forms, let us do all of the work and present you with your best credit card options from many different banks and credit card issuers. Why not start the process here and now?