Modern life has a dependence on credit cards that makes it practically impossible to turn our backs on those small cards of plastic. Between buying at bargain prices and booking flights over the Internet, it has become a necessity. The challenge is selecting the right card for your needs, but when looking for the very best, Chase credit cards are the superior option.
Chase Bank has the widest variety of credit cards, with almost as many packages to suit the specific needs of every walk of life and every pocket. The card deals also offer some very low interest rates, helping to keep their customers as wide of financial trouble as possible.
But finding the right Chase credit card is made easier by the category system they use, with just 3 key demographics served: general consumer, students and retirees. Each category has a range of cards that can fit any specific situation.
1. Cards for General Consumers
The best Chase credit cards for general consumers are those that give affordable access to products and services. There are 3 key cards to choose from: the Freedom Card, the Platinum Card and the Sapphire Card. These cards are available to consumers on the basis of their income and previous history.
As with most banks and financial institutions, first-time applicants are granted only a small credit limit, since their spending pattern is not yet known. A low interest rate is always preferred, and with the Freedom Card cardholders can avail of an introductory offer of 0% APR and no annual fee. There is also $50 free credit available on purchases.
The Platinum Card is for intermediate cardholders, who have a good history of making payments. So, purchases are interest-free as long as payments are regular and on time.
The Sapphire Chase credit card, meanwhile, is for the experienced cardholder. After the first purchase, 10,000 points on the rewards scheme are automatically credited the cardholder.
2. Cards for Students
Students find a vital use for their credit cards since they do not always have cash available to buy food, for example. A credit card allows them to remain stocked up, and provides a way to pay utility bills too. The best Chase card for students comes with an introductory offer of 0% APR and no annual fee.
They typically come at a low interest rate, and the rewards system is based on what are known as Karma points. They are earned whenever a purchase is made, and can be shared on Facebook. With them, certain items can be bought at a discount, like DVDs and selected electronic gadgets.
To help students avoid the credit trap, these cards are available at relatively low credit limits, while advice is on hand, online and over the phone, to help students properly manage their Chase credit cards.
3. Cards for Retirees
In most cases, retirees have either no source of income or a very limited one. Retirement may be designed for rest and relaxation, but retirees want to do things and go places too. That is why the best Chase credit card for the senior citizens is the Senior Rewards Platinum card.
As is expected, 0% APR is available as an introductory offer, as well as no annual fee. And with the card available at low interest rates, holders can feel free to use the card as much as possible. There are also discounts available from service, hospitality and retail providers.
So, with a Chase credit card dedicated to the needs of the senior citizen, the opportunity to travel and enjoy life again is at their doorstep.
Sarah Dinkins is a financial advisor who writes about Guaranteed Unsecured Credit Cards and 100% Guaranteed Bad Credit Loans
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