Top 3 Chase Credit Cards of 2015
If you are a Chase banking customer and looking for a new credit card, you have plenty of attractive options. You can take advantage of the perks that Chase offers its customers, such as relatively low interest rates, 0% APR introductory rates, no annual fees, bonus points and various other benefits. There are a variety of different perks to choose from with each card, which allows customers to select a card that fits their own personal needs. In our opinion, these are the three top Chase credit cards offered this year.
The Chase Sapphire Preferred® is a very attractive credit card. Benefits include 40,000 bonus points when you spend $4,000 on purchases in the first three months of opening your account. You’ll also get 24/7 customer service, which allows you to talk to a real person whenever you’d like. You can get all of your questions answered without having to deal with annoying machines. Other features include 2x points on travel and restaurant dining, which makes the card a very solid option for those who do a lot of traveling. In addition, the card has no foreign transaction fees, and offers 1:1 point transfers on participating travel programs. Drawbacks for the Chase Sapphire Preferred® are that the card does not have a lower introductory APR rate, and it is designed for consumers with great credit. The Chase Sapphire Preferred® card has a $95 annual fee, but that fee is waived for the first year.
If you are looking for a solid credit card and have excellent credit, then you may want to consider the Chase Freedom® card. The card has a number of attractive benefits, including no annual fee and a 0% APR for the first 15 months of card ownership. That introductory APR rate makes the Chase Freedom® card very appealing to those who are going to make a large purchase in the first few months of opening an account. After those first 15 months, the card’s APR shifts to 13.99%-22.99% variable rates. When you open an account with the Chase Freedom® card, you’ll also earn a $100 bonus after you make $500 in eligible purchases in the first three months. If in the same period, you add another authorized user, you will get an additional $25 bonus. The rewards program is fairly significant, as you will get 1% cash back on all eligible purchases, and 5% back on purchases in revolving categories each quarter, up to $1,500. If you are someone who likes to eat out at restaurants, this card can be extremely beneficial—especially since one of the revolving categories is restaurant purchases. The biggest issues with the card are the balance transfer fees, and the fact that you need great credit in order to be approved for this card. If you are looking for a versatile credit card with a great introductory offer, then consider the Chase Freedom® card.
The Chase Slate® card is one of the industry’s best balance transfer cards. The Chase Slate® card comes with a 0% introductory APR, and that rate lasts for the first 15 months of card ownership. After those first 15 months, the card’s APR is variable—between 12.99% and 22.99%. The valuable benefit of this card is the fact that it has no balance transfer fees if you make the transfer during the first 60 days of being a cardholder. Other credit cards on the market average a 3% balance transfer fee, so this feature saves a great deal of money. Chase Slate cardholders also receive your free monthly FICO® Score online, as well as being able to see the reasons behind your score. View a summary of your Credit Report information and get helpful information on ways to manage your credit health. The card does not have a rewards program, but does offer fraud protection and Chase online management. The card was made for consumers with great credit—which means that you won’t be able to be approved if your credit score is not up to par. This card has no annual fee.
What Chase card you choose depends on your lifestyle and personal needs. If you need a balance transfer card, you definitely need to look at the Chase Slate® card. However, if your needs are more diverse, you should consider another card with more benefits. All of these Chase cards require strong credit scores. There are a host of benefits and rewards that are offered with the Chase Freedom® and Chase Sapphire Preferred® cards, so if you are dining out and traveling on a regular basis, you might want to choose one of those credit cards.