Editor's Review: Chase Free Cash RewardsSM Visa® Card is an excellent cash back credit card designed for those who have good credit and are looking for a solid cash back reward offer.

First off, the cash back "rewards" come in the form of either gift checks or gift certificates from a variety of merchants and retailers that Chase has partnered with. So be sure that their merchant partners will fit in nicely with how you'd like to redeem your gift checks or certificates. Cardholders earn a point per dollar spent on all "general" purchases as well as for each dollar in interest or finance charges that are applied to the account. Cardholders earn 1,000 bonus points after making their first purchase with the card as well. As far as redemption is concerned, each time you earn 2,500 points on the card, you will receive either a $25 gift check or a $25 gift certificate from your choice of selected merchants and retailers. (See web site application page for further details.)

Common card benefits for this offer include extended warranties on certain purchases, auto rental insurance, and as much as $500,000 in travel accident insurance.

For those who qualify for the lowest rates offered, the card has a pretty favorable interest rate on purchases and balance transfers in comparison with other cash back credit cards. In addition, the card also features a 0% introductory APR on balance transfers as well as purchases for up to 12 months and also does not charge an annual fee.

Those who plan to carry a card balance, be aware of the following: The card utilizes the more expensive "Two-Cycles Average Daily Balance" methodology of computing finance charges, which is more costly to those who carry an occasional card balance in comparison to the "Average Daily Balance" method that is used by most other credit card issuers.

On balance, this is a solid cash back reward card with a competitively low ongoing APR (for those who qualify), an attractive 0% introductory APR feature, as well as a solid cash rebate rewards offer.