Chase Platinum Visa

0% Intro APR for Up To 12 Months* on Purchases and Balance Transfers* The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History No Annual Fee Flexible Rewards Program: Earn One Point Per Dollar Spent. Redeem for Your Choice of Cash Back, Merchandise, Travel or Gift Cards Interest-Free Grace Period When You Pay Your Bill in Full Each Month FREE Online Account Access FREE Travel Services including Auto Rental Insurance and $500,000 Worldwide Travel Accident Insurance

Chase Platinum Visa Review

The Chase Platinum Visa, issued by Chase, is designed for those who have very good credit and are looking for an overall good platinum card with a rewards program.

Through the rewards program, cardholders earn one point for every dollar spent on purchases. Points may be redeemed for cash back, merchandise, travel, and gift cards. Points expire in five years, and there is a maximum of 60,000 points that may be earned per year.

The credit card has a reasonable interest rate (for those who qualify), an attractive 0% introductory rate for up to 12 months on purchases and balance transfers, and no annual fee.

Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.

Chase Platinum Visa does offer a variety of additional cardholder benefits that include up to $500,000 in travel accident insurance, auto rental insurance, and free online account access.

Therefore, those who have a very good credit history, want to participate in the rewards program, and plan to take advantage of the various additional services and benefits will find the Chase Platinum Visa to be an ideal card.

It is important to note that the various interest rates that can be applied to an individual's account may be confusing and should be fully understood before applying for the credit card.