Monday, August 13, 2012

Chase Credit Card Options: Recognizing The Best One To Choose

There was a time when a credit card was a luxury item, issued only to those who had very healthy bank accounts. These days, practically everyone has one, with the range of terms, incentives and options on offer meaning there is a credit card suitable for every budget and walk of life. The range of Chase credit card options covers them all.

Whether an applicant for a card is in business, in college or just interested in shopping, the availability of a card that matches specific needs means there is little trouble in getting one. In fact, quick approval processes are standard, and when applying online, approval can be granted within minutes.

But these cards are important financial tools, and the threat of debt means managing them is essential if the cardholder is to keep out of the bankruptcy courts. With Chase credit cards, a variety of benefits and carefully structured terms, help keep financial woes at bay. But what are the right terms and options for your purposes?

What Chase Bank Can Offer

It might seem like the usual marketing blurb to state that Chase credit card options are amongst the best in the financial world. But is not hard to understand why this is actually true when we consider that the Chase Bank offers almost 250 individual credit card packages, divided into 12 different customer categories.

It is, to say the least, an extensive range, allowing the small business owner to get the type of credit he needs, and the college-goer the kind of incentives that make college living a little more affordable. And because of quick approval processes, accessing the right card in times of emergency is no problem either.

Below are some suggested cards for each of 3 types of cardholder, chosen from the list of available Chase credit cards.

For The Shopper

The Chase Freedom Credit Card offers some of the best terms for regular credit card users, with some of the best incentives from amongst all the Chase credit card options. The introductory offer includes a 0% APR for the first 15 months, after which a variable rate of between 12.99% and 22.99% is charged.

After the quick approval processes, the key benefits available include a 5% cashback up to ,500 spent per quarter, and a 0 bonus cash back if purchases of just 0 are made in the first 3 months. Shopping online will earn the cardholder extra cash back benefits.

For The Vacationer

With the United Mileage Plus Explorer Card amongst the list of available Chase credit cards, the most dedicated vacationers can enjoy big benefits. For a start, 30,000 bonus air miles are granted once ,000 has been spent in the first 90 days.

The annual fee is waived for the first year, with priority boarding and bag check in privileges also available. Double miles are available when buying United Airlines tickets, helping to make it a very popular Chase credit card option. The APR ranges from 15.24% on purchases and balance transfers to a 29.99% penalty APR.

For The Business Person

The Ink Cash Business Credit Card is amongst the most popular for small business owners, with a 0 bonus cash back if the cardholder manages to spend ,000 in the first 3 months. But there are more benefits to enjoy, like no annual fee for the first year, 5% cash back on selected categories, and a quick approval processe.

Employees can also get their own Chase credit card, and the interest charged is kept low at just 13.24%. That becomes applicable after the introductory 0% APR for the first 6 months.

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