Flexible Rewards VisaŽ Signature Card

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Apply for Flexible Rewards VisaŽ Signature Card
Issuer: Chase
Credit Card Type: Airline Credit Cards
Reward Type: Other
APR: 11.49% Variable
Introductory APR: 0.00%
Introductory Period: 12 months
Intro APR applied to: Purchases
Cash Advance APR: 21.49% Variable
Annual Fee: None
Grace Period: 20 Days (Min.)
Card Status: Signature
Credit Rating: Excellent Credit
Full Terms and Conditions: Click Here
  • 0% Intro APR For Up To Twelve Months
  • Choose Cash Back, Merchandise Or Travel Rewards
  • 1,000 Bonus Points
  • Earn 1 Point For Every $1 In Purchases
 

REWARD INFO

Type of RewardPoint
Optional RewardNo
Optional Annual Fee$59
 

REBATE INFO

Points Per Dollar Spent1 Point
Additional PointsNone
Point DetailsPoints may be redeemed towards cash, travel, merchandise, and restaurant certificates.
 

AIRMILES INFO

Miles-Points ExpirationNone
Yearly LimitNone
Bonus Upon ApprovalNone
Bonus with First Purchase1,000 Points
Bonus with Balance TransfersNone
Bonus AnnualNone
Bonus OtherNone
Bonus DetailsNone
 

MISC INFO

Best Card FeatureCommon signature status benefits; no yearly limit or expiration on points earned; no annual fee.
Worst Card FeatureUses "Two Cycles Average Daily Balance" method when determining finance charges; fee for rewards program.
Card ReviewThe Flexible Rewards VisaŽ Signature Card, issued by Bank One, is designed for those with excellent credit who plan to take advantage of the reward program it offers. Cardholders earn one point for every dollar spent on general purchases that can be redeemed for a variety of benefits including cash awards, merchandise, gift certificates, and travel awards. Cardholders are awarded 1,000 points with their first purchase. Although there is no expiration or yearly limit to the number of points that can be earned, there is an annual reward program fee of $59. In addition to the reward program, this card offers a variety of cardholder benefits provided by Bank One, such as auto rental insurance, lost luggage insurance, and up to $1,000,000 in travel accident insurance. Several signature benefits provided include personal concierge services, dining privileges, and guaranteed airport parking. The rate for purchases and balance transfers is reasonably low for a reward card. In addition, there is a 0% introductory offer that applies to purchases for the first twelve months. Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges. This ends up costing more to maintain an occasional balance, as compared to the "Average Daily Balance" method used by many credit card issuers. Therefore, those who plan to take advantage of the introductory offer, the reward program, and the various benefits offered, will find the Flexible Rewards VisaŽ Signature Card to be a suitable option.
Date Updated2005-02-19 00:00:00

Lowest Fixed APR Rate: 5.50%

Lowest Variable ARR Rate: 8.49%

Total Credit Cards in Database: 102