The Benefits of Using a Chase Credit Card: Save Money and Enjoy Perks

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Chase is one of the largest financial institutions in the world and offers a wide range of financial products and services, including credit cards. Chase credit cards are some of the most popular cards on the market, offering rewards, cashback, and other perks to its users. In this article, we will provide a detailed review of Chase credit cards, including their features, benefits, and how to choose the right card for you.

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Features of Chase Credit Cards:

Chase offers a variety of credit cards with different features, rewards, and benefits. Some of the features you can expect from Chase credit cards include:

1. Rewards programs:

Most Chase credit cards offer rewards programs, allowing you to earn points, miles, or cash back on your purchases. The rewards can be redeemed for travel, gift cards, merchandise, statement credits, and more.

2. Sign-up bonuses:

Many Chase credit cards come with sign-up bonuses that allow you to earn extra rewards or cash back after you spend a certain amount of money within a specified time frame.

3. Low or 0% introductory APR:

Some Chase credit cards offer a low or 0% introductory APR on purchases and/or balance transfers for a certain period of time.

4. No foreign transaction fees:

Some Chase credit cards waive foreign transaction fees, making them a great option for frequent travelers.

5. Purchase protection:

Some Chase credit cards offer purchase protection, which can help protect you if an item you bought is damaged or stolen.

6. Travel benefits:

Some Chase credit cards offer travel benefits such as trip cancellation insurance, rental car insurance, and access to airport lounges.

7. Flexibility in redemption:

Chase credit cards offer flexibility in the redemption of rewards points, which can be transferred to a number of loyalty programs, like airlines or hotels, as well as direct redemption for cash back or statement credit.

How to Choose the Right Chase Credit Card

Choosing the right Chase credit card can be challenging, given the variety of cards available. Here are some tips to help you choose the right card for you:

Determine Your Spending Habits: The best way to choose the right Chase credit card is to determine your spending habits. If you travel frequently, a card with travel rewards and benefits might be the best option. If you spend a lot on dining and entertainment, a card that offers bonus points for those categories might be the best option.
Consider Your Credit Score: Your credit score will impact the credit card offers you receive from Chase. If you have excellent credit, you may be eligible for cards with higher rewards and benefits.
Review the Card’s Fees: Consider the card’s annual fee and other fees such as balance transfer fees and foreign transaction fees before applying for a card. If you do not plan to use the card frequently, a card with a lower annual fee might be a better option.
Research the Rewards Program: Be sure to review the rewards program and redemption options before choosing a card. Make sure the rewards align with your spending habits and goals.

Chase Credit Card Types:-

Chase offers a variety of credit cards to meet the needs of different users. Here are some of the most popular types of Chase credit cards:

1. Chase Sapphire Preferred Card:

This card is designed for travelers who want to earn points on travel and dining purchases. It offers 2x points on travel and dining, and 1x points on all other purchases. This card has a $95 annual fee.

Chase Sapphire Preferred Card Benefits:

The Chase Sapphire Reserve is a premium travel rewards credit card with a variety of benefits. Here are some of the key benefits:

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel credit: Receive up to $300 in statement credits each year for travel purchases, including airfare and hotels.
Priority Pass airport lounge access: Enjoy unlimited visits to over 1,000 airport lounges worldwide for you and your authorized users.
Global Entry or TSA PreCheck application fee credit: Receive a statement credit of up to $100 every four years when you apply for either Global Entry or TSA PreCheck.
Points redemption: Redeem your points for travel through the Chase Ultimate Rewards program and receive a 50% bonus, or transfer your points to one of Chase’s airline or hotel partners.
Purchase protection: Receive reimbursement for damaged or stolen purchases made with your card within 120 days of purchase, up to $10,000 per claim.
Trip cancellation/interruption insurance: Receive reimbursement for pre-paid, non-refundable travel expenses if your trip is canceled or cut short due to covered reasons.
Rental car insurance: Receive primary coverage for rental cars when you decline the rental company’s collision damage waiver.
Emergency assistance services: Receive 24/7 access to a travel and emergency assistance hotline for help with medical and legal referrals, and other emergency services.
Annual fee: The annual fee is $550, but this is partially offset by the $300 travel credit and other benefits.

Chase Sapphire Preferred Foreign Transaction Fee:

The Chase Sapphire Preferred credit card does charge a foreign transaction fee. The fee is 0% of each transaction in U.S. dollars. However, for transactions that are made in a foreign currency, there is a 3% foreign transaction fee. It’s important to note that this fee only applies to transactions that are processed outside of the United States, including online purchases made from foreign merchants. If you frequently travel outside of the United States or make purchases in foreign currencies, you may want to consider a credit card with no foreign transaction fees to avoid these charges.

Overall, the Chase Sapphire Reserve is a popular card among frequent travelers who want to earn and redeem rewards for travel, and who value the various travel-related benefits offered by the card.

2. Chase Freedom Unlimited:

This card is great for people who want a simple cashback card that offers 1.5% cashback on all purchases. This card has no annual fee.

Chase Freedom Unlimited Benefits:

The Chase Freedom Unlimited credit card comes with several benefits, including:

Sign-up bonus: You can earn a sign-up bonus of $200 after spending $500 in the first three months of opening your account.
Unlimited cash back: You’ll earn 1.5% cash back on all purchases with no limits or categories.
Introductory 0% APR: You’ll get an introductory 0% APR on purchases and balance transfers for the first 15 months after opening your account.
No annual fee: There is no annual fee to use the Chase Freedom Unlimited card.
DoorDash membership: You’ll receive a complimentary three-month subscription to DashPass, DoorDash’s subscription service that offers $0 delivery fees on eligible orders.
Purchase protection: The card offers purchase protection against damage or theft for up to 120 days after the purchase date.
Extended warranty protection: The card adds an additional year of warranty coverage on eligible purchases with an original manufacturer’s warranty of three years or less.
Travel and emergency assistance services: The card provides travel and emergency assistance services, including roadside dispatch, travel and emergency assistance, and travel accident insurance.
Auto rental collision damage waiver: When you rent a car using your Chase Freedom Unlimited card, you’re covered for theft and collision damage.
Fraud protection: The card comes with Zero Liability Protection, which means you won’t be held responsible for unauthorized charges made with your card.

Also Read: BMO Harris Express Loan, BMO Harris Express Loan Pay and BMO Harris Express Loan Calculator

Chase Freedom Unlimited Foreign Transaction Fee:

The Chase Freedom Unlimited credit card had a foreign transaction fee of 3% for each transaction made in a foreign currency. However, please note that fees and terms are subject to change, and it is always best to check directly with the credit card issuer to get the most up-to-date information.

3. Chase Freedom Flex:

This card is similar to the Freedom Unlimited but also offers 5% cashback on rotating categories like gas stations, grocery stores, and streaming services. This card has no annual fee.

Chase Freedom Flex Benefits:

The Chase Freedom Flex is a credit card offered by Chase Bank that offers a variety of benefits to cardholders. Some of the key benefits of the card include:

Cash back rewards: The Chase Freedom Flex offers cash back rewards on purchases made with the card. Cardholders can earn 5% cash back on up to $1,500 in purchases made in quarterly rotating bonus categories, and 1% cash back on all other purchases.
No annual fee: The Chase Freedom Flex does not have an annual fee, making it a good option for those who want to earn rewards without paying a fee.
Introductory APR: The card offers an introductory 0% APR on purchases for the first 15 months, which can be a good option for those who need to make a large purchase and want to pay it off over time without incurring interest charges.
Purchase protection: The card offers purchase protection, which means that cardholders are protected against damage or theft of eligible purchases made with the card.
Travel benefits: The card offers a number of travel benefits, including trip cancellation/interruption insurance, auto rental collision damage waiver, and travel and emergency assistance services.
Other benefits: The card also offers other benefits, such as extended warranty protection, price protection, and access to exclusive events and experiences.

Chase Freedom Flex Foreign Transaction Fee:

The Chase Freedom Flex credit card charges a foreign transaction fee of 3% on all purchases made outside of the United States. This fee applies to transactions that are processed in a foreign currency, whether they are made in-person or online.

If you plan to use your Chase Freedom Flex card for purchases outside the US, it is important to keep in mind this fee when budgeting for your trip or purchases. Additionally, you may want to consider getting a credit card that does not charge foreign transaction fees if you frequently travel abroad or make purchases from international merchants.

Overall, the Chase Freedom Flex offers a range of benefits that make it a good option for those who want to earn rewards and enjoy other perks without paying an annual fee.

4. Chase Sapphire Reserve:

This card is a premium travel rewards card that offers 3x points on travel and dining purchases and 1x points on all other purchases. It also offers $300 in travel credits, a Priority Pass membership, and other travel benefits. This card has a $550 annual fee.

Chase Sapphire Reserve Benefits:

The Chase Sapphire Reserve is a premium credit card that comes with a variety of benefits. Here are some of the key benefits:

Sign-up bonus: The Chase Sapphire Reserve offers a sign-up bonus of 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening. That’s worth up to $900 in travel when you redeem through Chase Ultimate Rewards.
Annual travel credit: Each year, you’ll receive up to $300 in statement credits for travel purchases made with your card, including flights, hotels, rental cars, and more.
Priority Pass Select membership: You’ll receive a complimentary Priority Pass Select membership, which gives you access to over 1,000 airport lounges worldwide.
Global Entry or TSA PreCheck fee credit: You’ll receive a statement credit of up to $100 every 4 years to cover the application fee for Global Entry or TSA PreCheck.
DoorDash benefits: You’ll receive a complimentary DashPass subscription, which gives you free delivery and reduced service fees on eligible orders over $12. Plus, you’ll get up to $60 in DoorDash credits in 2021 and 2022.
Lyft benefits: You’ll receive a complimentary Lyft Pink membership, which gives you 15% off rides and other benefits. Plus, you’ll earn 10x Ultimate Rewards points on Lyft purchases through March 2022.
Travel insurance: The card offers a variety of travel insurance benefits, including trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, and primary car rental insurance.
Purchase protection: The card offers purchase protection and extended warranty coverage on eligible purchases.
Ultimate Rewards points: You’ll earn 3x Ultimate Rewards points on travel and dining purchases, and 1x point on all other purchases. Points can be redeemed for travel, cash back, gift cards, and more.

Chase Sapphire Reserve Foreign Transaction Fee:

The Chase Sapphire Reserve credit card does not charge foreign transaction fees. This means that you can use your card for purchases made outside the United States without incurring additional fees for foreign transactions. However, keep in mind that the exchange rate used to convert the foreign currency to US dollars may still affect the total amount of your purchase. It’s always a good idea to check with your credit card issuer to confirm their policies on foreign transaction fees and other fees before you travel abroad.

Overall, the Chase Sapphire Reserve is a great card for frequent travelers and those who value premium benefits. The annual fee is $550, but the benefits can easily make up for it if you use them.

5. Ink Business Preferred Credit Card:

This card is designed for small business owners who want to earn points on business purchases. It offers 3x points on the first $150,000 spent on travel, shipping, internet, cable and phone services, and advertising purchases with social media sites and search engines. This card has a $95 annual fee.

Ink Business Preferred Credit Card Benefits:

The Ink Business Preferred Credit Card is a business rewards credit card that offers several benefits to cardholders. Some of the key benefits of the card include:

Sign-up bonus: Earn a generous sign-up bonus of 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,250 in travel rewards when you redeem through Chase Ultimate Rewards.
Rewards program: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Redeem points for travel: Use your points to book travel through the Chase Ultimate Rewards portal or transfer your points to participating airline and hotel loyalty programs.
Travel benefits: Enjoy travel benefits such as trip cancellation/interruption insurance, primary car rental insurance, and travel and emergency assistance services.
No foreign transaction fees: Use your card to make purchases abroad without incurring foreign transaction fees.
Employee cards: Issue employee cards at no additional cost, and earn rewards on their purchases.
Purchase protection: Receive coverage for theft or damage of new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Extended warranty protection: Extend the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Ink Business Preferred Foreign Transaction Fee:

The Ink Business Preferred Credit Card charges a foreign transaction fee of 0%. This means that you won’t be charged any additional fees when you use your card for purchases made outside of the United States or in a foreign currency. This makes the Ink Business Preferred card a good choice for business owners who frequently travel or make purchases from international suppliers. It’s always a good idea to check with your credit card issuer for the most up-to-date information on fees and charges.

Note that the benefits of the Ink Business Preferred Credit Card are subject to change and may vary depending on your individual account and how you use the card. Be sure to read the card’s terms and conditions carefully before applying.

Chase Credit Card Other Benefits:

In addition to the features mentioned earlier, Chase credit cards offer many benefits that can help users save money and enjoy additional perks. Here are some of the most common benefits offered by Chase credit cards:

Purchase Protection: Many Chase credit cards offer purchase protection, which can cover the cost of lost, damaged, or stolen items within a certain period of time after purchase.
Extended Warranty: Some Chase credit cards offer extended warranty protection, which can extend the manufacturer’s warranty on eligible items.
Zero Liability Protection: Chase credit cards offer zero liability protection, which means that users are not responsible for unauthorized purchases made with their card.
Price Protection: Some Chase credit cards offer price protection, which can refund the difference if an item purchased with the card goes on sale within a certain period of time.
Travel Insurance: Many Chase credit cards offer travel insurance, including trip cancellation/interruption insurance, trip delay reimbursement, and baggage delay insurance.
Car Rental Insurance: Some Chase credit cards offer primary car rental insurance, which can cover the cost of damage to a rental car if it is stolen or damaged.
Concierge Service: Some Chase credit cards offer concierge service, which can help users with travel arrangements, restaurant reservations, and other services.

Chase Credit Card Business:

Chase offers a variety of business credit cards that are designed to meet the unique needs of small business owners. Some of the most popular Chase business credit cards include:

Chase Ink Business Preferred Credit Card: This card offers a sign-up bonus, as well as rewards points for business purchases. You can earn 3x points on the first $150,000 spent on travel, shipping, advertising, and internet/cable/phone services, and 1x points on all other purchases.
Chase Ink Business Unlimited Credit Card: This card offers unlimited 1.5% cash back on every purchase you make for your business. You can also earn a sign-up bonus after spending a certain amount within the first few months.
Chase Ink Business Cash Credit Card: This card offers cash back rewards for business purchases, including 5% cash back on the first $25,000 spent each year on office supply stores, internet/cable/phone services, and at gas stations. You can also earn 2% cash back on the first $25,000 spent each year at restaurants and on gas, and 1% cash back on all other purchases.
Chase Southwest Rapid Rewards Performance Business Credit Card: This card is designed for small business owners who travel frequently on Southwest Airlines. You can earn a sign-up bonus, as well as Rapid Rewards points for your business purchases.

These are just a few examples of the Chase business credit cards that are available. To find the right card for your business, you should consider your spending habits, rewards preferences, and any other specific needs you may have.

Conclusion

Chase credit cards are a popular choice for many people, offering a variety of features, benefits, and rewards. By considering your spending habits, credit score, and goals, you can choose the right Chase credit card for you. By taking advantage of the benefits offered by Chase credit cards, you can save money and enjoy additional perks, making these cards a great choice for many users. With a little research and consideration, you can find the perfect Chase credit card for your needs and start enjoying the benefits today.

Chase credit cards are some of the best credit cards on the market, offering rewards, cashback, and other perks to its users. Choosing the right card requires careful consideration of your spending habits, credit score, and fees. By reviewing the features and benefits of each card, you can find the best Chase credit card for your needs.