If you are looking for a credit card that offers a lot of benefits and rewards, you might want to consider the Chase card. Chase is one of the largest and most reputable credit card issuers in the US, and for good reasons. Chase cards have no annual fees, low interest rates, and a variety of features that can help you save money, earn cash back, and enjoy travel perks. In this article, we will explore some of the benefits that Chase cardholders can enjoy, and how to make the most of them.
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Cash Back Rewards
One of the main attractions of Chase cards is their generous cash back rewards program. All Chase cards earn cash back rewards, and you can redeem them for statement credit, direct deposit, gift cards, travel, or shopping at Amazon.com or Apple. Depending on the card you choose, you can earn different rates of cash back on different categories of purchases. For example:
- The Chase Freedom Unlimited® card earns 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores, and 1.5% cash back on all other purchases1.
- The Chase Freedom Flex℠ card earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores, and 1% cash back on all other purchases1.
- The Chase Sapphire Preferred® card earns 2X points on dining and travel, and 1 point per dollar spent on all other purchases1.
- The Chase Sapphire Reserve® card earns 3X points on dining and travel (immediately after earning your $300 travel credit), and 1 point per dollar spent on all other purchases1.
One of the best features of Chase’s cash back program is that your rewards do not expire as long as your account is open, and you can transfer them to other Chase cards or to partner airlines and hotels at a 1:1 ratio. You can also use your cash back to pay with points at Amazon.com or Apple.
Security Benefits
Another benefit of Chase cards is their security features that can help you protect your personal information and prevent fraud. Some of the security benefits that Chase offers are:
- Zero Liability Protection: This feature protects you from unauthorized charges made with your card or account information. You are not responsible for any fraudulent transactions as long as you report them promptly2.
- Fraud Alerts: This feature notifies you by text, email, or phone if we detect any suspicious activity on your account. You can verify or report any transactions that you do not recognize2.
- Chip Technology: This feature adds an extra layer of security when you use your card at chip-enabled terminals. It creates a unique code for each transaction that makes it harder for hackers to steal your data2.
- Lock or Unlock Your Card: This feature allows you to lock or unlock your card in seconds using the Chase Mobile® app or online. This can help you prevent unauthorized use of your card if you lose it or misplace it2.
These security benefits can give you peace of mind and help you avoid identity theft and credit card fraud.
Travel Benefits
If you love to travel, you will also love the travel benefits that Chase cards offer. Some of the travel benefits that Chase offers are:
- No Foreign Transaction Fees: You can use your Chase card abroad without paying any extra fees for currency conversion or foreign transactions1.
- Travel Insurance: You can get coverage for trip cancellation or interruption, baggage delay or loss, travel accident, emergency medical or dental care, and roadside assistance when you pay for your travel with your Chase card1.
- Travel Credit: You can get up to $300 in annual travel credit as reimbursement for travel purchases charged to your Chase Sapphire Reserve® card1.
- Airport Lounge Access: You can access over 1,000 airport lounges worldwide with a complimentary Priority Pass™ Select membership when you have the Chase Sapphire Reserve® card1.
- Global Entry or TSA Pre✓® Fee Credit: You can get up to $100 as reimbursement for the application fee for either Global Entry or TSA Pre✓® when you pay with your Chase Sapphire Reserve® or Preferred® card1.
These travel benefits can help you save money, enjoy convenience and have a hassle-free trip.
Financial Insights
Chase also offers some benefits that can help you track your finances and improve your credit score. Some of the financial insights that Chase offers are:
- Credit Journey®: You can get free access to your credit score, credit report summary, credit monitoring alerts, and personalized tips to improve your score2.
- Spending Summary: You can see a breakdown of your spending by category, such as groceries, gas, dining, and entertainment. You can also set up spending alerts and budget goals to help you manage your money2.
- Chase Offers: You can find deals and discounts from hundreds of merchants that you can activate and redeem with your Chase card. You can save money on everyday purchases like groceries, dining, shopping, and travel2.
- Chase Pay®: You can use your phone to pay securely and conveniently at millions of merchants that accept Chase Pay®. You can also link your Chase Pay® account to other apps like Samsung Pay, Shell, and Atom Tickets to enjoy more benefits2.
These financial insights can help you manage your money, monitor your credit and achieve your financial goals.
Customer Service
Last but not least, Chase offers excellent customer service that is available to help you 24/7. Some of the customer service benefits that Chase offers are:
- U.S.-Based Customer Service: You can talk to a real person who is based in the U.S. whenever you need help. You can call them at 1-800-432-31172.
- Online Chat: You can chat with a U.S.-based agent to get your questions answered, online or on your phone2.
- Chase Mobile® App: You can access all the features and benefits of your card on your phone, wherever you go. You can make payments, redeem rewards, lock or unlock your card, view your credit score and much more. You can also chat with us for service, day or night. You can download the app from the App Store or Google Play2.
These customer service benefits can help you enjoy a smooth and convenient experience with your card.
How do I apply for a Chase credit card?
To apply for a Chase credit card, you can follow these steps:
- Visit Chase’s website and browse the different credit cards that they offer. You can compare the features, benefits, and rewards of each card and find the one that suits your needs and preferences.
- Click the “Apply Now” button on the card page that you have chosen. Note that if you already have a Chase account, the application process will be faster if you sign in first. If you do, Chase will fill out parts of the application with the information it already has for you1.
- Fill out the application form with your personal, financial, and contact information. You will need to provide your full name, address, phone number, email, Social Security Number or Individual Tax Identification Number, income, employment status, housing costs, and other details21.
- Review the terms and conditions of the card and agree to them. You will also need to consent to Chase’s privacy notice and electronic communications policy.
- Submit your application and wait for a decision. You can typically get a response in seconds when you apply online2. If you are approved, you will receive your card in the mail within 7 to 10 business days. If you are not approved, you will receive a letter explaining the reasons for the denial.
What is the credit limit of Chase credit card?
The credit limit of Chase credit card depends on the type of card and your creditworthiness. According to the web search results, the regular APR for Chase credit cards ranges from 14.99% to 23.74% variable APR1. However, some Chase cards also offer a 0% intro APR on purchases and balance transfers for 12 to 18 months, depending on the card2. You can compare the different Chase cards and their interest rates at Chase’s website.
The credit limit of Chase credit card is determined by various factors, such as your payment history, current accounts, account history, debt, income, and credit score3. Credit card limits can range from a few hundred dollars to tens of thousands of dollars2. You can see your current Chase credit limit by logging into your online account or mobile app, checking your monthly statement or by calling Chase customer service1.
If you want to increase your credit limit, you can request it online, over the phone or through a lender invitation. You will need to provide some information about your finances and consent to a credit check. You may receive a decision in seconds or within 30 days32. Some factors that can improve your chances of getting a higher credit limit are making on-time payments, paying more than the minimum or in full, having a higher income, having a good credit score, having a low credit utilization ratio, and having a long history with the account32.
However, before requesting a higher credit limit, you should also consider the potential drawbacks, such as the impact of a hard inquiry on your credit score, the temptation to overspend and incur more debt, and the risk of lowering your average age of accounts if you open a new card2. You should only request a higher credit limit if you are confident that you can use it responsibly and pay off your balance in full each month.
As you can see, Chase cards offer a lot of benefits and rewards that can make your life easier and more rewarding. Whether you are looking for cash back, security, travel perks, financial insights or customer service, Chase has something for everyone. If you are interested in applying for a Chase card, you can compare the different cards and find the one that suits you best at Chase’s website.
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