chase credit cards

Chase Credit Card Information

Chase Credit Card Information

JPMorgan Chase & Co., a leading company in the global financial services industry, owns and operates Chase credit card services. Chase offers a variety of services and benefits for your credit needs, including its most popular card, Chase Freedom, with the largest combination of features, benefits and rewards programs. 

1. History

   • Over a 10-year period, JPMorgan Chase & Co. came into existence due to the combination of a number of U.S. banking companies. In 1996, Chemical Banking Corporation purchased Chase Manhattan Corporation and chose to keep the Chase name due to its high consumer recognition. In 2000, Chase Manhattan Corporation merged with JPMorgan & Co. to form JPMorgan Chase. JPMorgan Chase acquired Bank One in 2004, Bear Stearns in 2008 and Washington Mutual in 2008, resulting in what is now JPMorgan Chase & Co.
     

   Types

   • The Chase credit cards available appeal to every credit need you may have. There are, of course, personal credit cards available that offer a variety of features and services that make owning a credit card both appealing and easy. The business credit cards are a great way to follow employee purchases and earn extra rewards for business purchases. There are also cards available for students to help build their credit. There are also cards that represent partnerships between Chase and other corporations, such as the Sony Card.
     

   Features

   • Among the many features available for the variety of Chase credit cards is a cash back program, where you typically earn 1 percent cash back on every purchase. Other features and benefits include 0 percent introductory APR, which means no finance charges on purchases and/or balance transfers for the first 6 to 12 months, cards with no annual fee, and cards made specifically for balance transfers so that you can work to pay off your debt quicker. Chase Freedom and Chase Sapphire cards offer the most combined features and benefits of the Chase cards available.
     

   Considerations

   • All Chase credit cards have an annual percentage rate (APR) that, following the 0 percent APR introductory rate, determines your monthly finance charges. The APR varies depending on your credit history and the promotional offer you receive. Rates can be anywhere from 5 to 25 percent variable, based upon the national prime rate. Fees and finance charges may also apply to balance transfers, cash advances, default and overdrafts.
     

   Travel Rewards

   • Cards like the Chase Sapphire earn you bonus rewards for travel arrangements that you book using the card. Reward points never expire and there is no limit to how many you can earn. Another Travel Rewards card is the Disney Rewards Visa Card, which earns you theme park benefits and Disney Dream Reward Dollars redeemable toward future visits to Disney retail locations. This card also has 0 percent APR for up to 6 months on vacation bookings.
     

   Retail Rewards

   • Retail Rewards programs provide extra rewards points for purchases made at specific retail stores, such as the TJX Rewards Mastercard, which offers 5 points for every dollar spent at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright. You also typically receive 10 percent off your first purchase made with a retail rewards card, and most stores will apply this discount to the immediate purchase made if you apply for the card in the store, even before the card is in your hands.