The following Chase Platinum Visa credit card is brought to you by Chase and CreditCardAssist.com. This Visa credit card has no annual fee, a fairly attractive 0% introductory rate and several attractive card reward program options as well. Search and compare Visa credit cards side by side and then apply online for the Chase Platinum Visa Card.
Editor's Review:
The Chase Platinum Visa Credit Card is designed for individuals with very good credit who are looking for a good all around platinum credit card. While it does not include any special programs, such as cash back or airline miles, it offers all of the benefits associated with platinum credit cards with a reasonable APR.
The Chase Platinum Visa Credit Card offers a very attractive 0% interest rate on purchases and balance transfers completed for up to the first twelve months of membership. The length of the introductory period, however, is based on the applicant's credit history. Therefore, it could be fifteen months for purchases and balance transfers, or it could be just three months for only balance transfers.
After the introductory period is complete, the variable APR is based on the Prime Rate. In addition, finance charges with the Chase Platinum Visa Credit Card are determined by the "Two Cycles Average Daily Balance" method. This method is less common than the "Average Daily Balance" method and can be more costly for cardholders who carry a balance over from one billing cycle to the next. This method of finance charge computation can be confusing for some cardholders, so it is important to be sure to understand this method in order to correctly keep track of finances.
Many benefits are associated with the Chase Platinum Visa Credit Card. For example, cardholders receive up to $500,000 in travel accident insurance, auto rental insurance, and several additional travel and emergency assistance services. Cardholders also receive purchase protection, protection from liability for unauthorized transactions, and extended warranty for purchases.
The Chase Platinum Visa Credit Card has no annual fee and there are no fees for additional cardholders. In addition, there is no minimum or maximum potential credit limit. Cardholders who exceed their credit limit are, however, assessed as $35 over the limit fee. Late payments result in a $15 fee on balances of less than $250. A fee of $39 is assessed on late payments on balances over $250. Cash advances are subject to a 3% fee with a $10 minimum. Balance transfers also receive a $3 fee with a $10 minimum, with a maximum of $75.
