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Balance Transfer to Chase Perfect Card Chase Perfect Card®


Chase Perfect Card
Intro APR: 13.99%

 Issuer: Chase Manhattan Bank
Perfectly Rewarding
Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
  • Perfectly Rewarding
  • 6% rebate on all gas purchases made at any gas station for the first 90 days.
  • After that, you'll earn a 3% rebate on all gas purchases.
  • Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
  • 0% Introductory APR* on balance transfers
  • All the rebates you earn are automatically credited towards your future purchases
  • Worldwide acceptance
  • Generous credit line
  • Automatic Travel Accident Insurance
  • Purchase Protection
  • No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
With the Chase PerfectCard you earn a 6% rebate on all gas purchases made at any gas station for the first 90 days. After that, you'll earn a 3% rebate on all gas purchases. And when you use your card at... a department store... your favorite restaurant... the dry cleaners... grocery stores... or anywhere else you shop, you earn a 1% rebate. Plus, your rebates are automatically credited toward any future purchases made with your

Chase PerfectCard. The payoff for you is fast and easy. With the Chase PerfectCard, you don't need to go out of your way to earn your rebates. Simply use your card everywhere you go.





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Being frugal is a never ending goal. It is something you constantly work on. You can always go a step further, save just a little more.

So if there is no end, where do you start?

There are five things that every person should know in order to live a frugal life.

1. Not every frugal idea is frugal for everyone.

There is a balance between frugality and time that is unique for each person. Some people have time to grind their own wheat into flour and make their own pasta from scratch. Some people only have the time to do simple things, like set the thermostat lower and use less laundry soap/shampoo/hand soap by thinning it with a little water. Some people find the time and it pays for them. Some people find that the time costs them. There are different changes to be made by everyone.

For example, as frugal as I am, I've never been able to shop with coupons. I just forget that I have them or don't have time to use them. So when I shop, I buy a lesser quantity and shop sales.

2. You have to know how you spend your money.

It would be hard to reduce your spending if you don't know what you are spending and where. You need to take the time to track your spending. Look at where, when and why you are buying certain items. You may be shocked at what you find. I know that the first time my husband and I did a budget, we were floored by how much money we were taking out of the ATM and just blowing here and there. But once we saw it, we were able to change it.

3. You can't keep up with others, unless you want to join them in debt.

Life isn't about your boat comparing to Bob's boat. Or having the newest car. Or the latest gismo. Or appearing picture perfect. Or having everything you want.

Life should be about what is important to you. Not what is important to the neighbors. Look at your own goals and dreams when planning your finances. Don't spend or buy anything unless you understand the consequences.

For example, if you are buying a boat because all your friends have boats, that may not be a great idea. If you only take it out once a year, that one trip is costing you thousands. If you take it out every weekend, the trips are costing you a lot less each time.

4. Start saving your savings.

So many people save nothing by saving. How does that work? They use coupons, they shop on sale, they don't buy something that catches their eye. And then they turn around and spend the money on something else trivial. They aren't really saving, they are postponing the spending.

When you save money, you need to go ahead and put the money in a jar until you have enough to put it in the bank. If you save $20 on a shirt you didn't buy, put that $20 in your jar. If you save $1.59 on groceries, put that money in the jar. Many grocery stores receipts will even tell you how much you save. That makes it easier for you.

5. Set your goals and stick with them.

You have to have a reason to be frugal. Whether you want to get out of debt or go on a cruise, you have to have a goal. Don't just leave it vague. Write down the specific steps you are going to take. Look at your goal every day. Keep it at the forefront of your money-thinking. When you consider whether or not you will buy something, look at how it affects your goal.


  • Transfer your balance to Chase Perfect Card®

  • Many travelers new to cruising do not always realize that not everything is included in their cruise price. Many are SHOCKED when they board their ship and realize they will need additional monies to get them through their trip.

    So, you ask, what is included and what should I expect to pay for while I’m on my dream vacation?

    Although each cruise line has its own set of inclusions, the following information does apply to the majority of the cruise lines; the ones that are categorized as Mainstream Cruise Lines.

    What is included in the price of your cruise?

    Accommodations
    Meals
    Limited Beverages
    Onboard Activities
    Children and Teen Programs
    Fitness Centers
    Entertainment

    Accommodations - With your stateroom accommodations a cabin steward will be assigned to you. S/he will attend to your every need including turning down your bed at night, cleaning of your room at least once a day, etc. Cabins come equipped with televisions and stereos. Bathroom amenities that are often included are shampoo, conditioner, body wash, soaps, razors, etc. Most new ships may also include blow driers and refrigerators (but not always). Because of fire hazards, irons are not furnished and are not allowed in the staterooms; however, ships do offer ironing services at a fee.

    Meals - You will certainly not go hungry while cruising. All meals are included from day to night. Most cruises have 24-hour buffet areas where you can eat any time of day. Sit down gourmet dinners that are served include appetizers, salads, main entrée and desserts. You can also order additional entrees (if you are glutton). Popular meals are also the ships’ midnight buffets, pizza parties, and ice cream parties. If you are still hungry or just want to order in, the ships’ 24-hour room service is always available.

    Limited Beverages - Overall, drinks are not included unless they are being served with breakfast, buffets or dinners. Included drinks are usually limited to iced tea, lemonade, some juices, coffee, and water (not bottled).

    Onboard Activities - You will never be bored on a cruise ship because they have ongoing activities throughout the day that are gratis. These may include swimming or relaxing in a hot tub, contests and games, dance and golf lessons, karaoke and sing-a-longs, etc.

    Children & Teen Programs - All of the mainstream ships will offer organized children and teen programs that keep the entire family happy. These programs are normally categorized by age and include age-appropriate activities.

    Fitness Centers - Cruise ships offer state-of-the-art fitness centers for the health-conscious traveler. Centers include fitness machines such as stationary or spin bikes, treadmills, and stair steppers. There are also offerings of aerobics, yoga or Pilates classes. Not all classes offered are free, but there are many to choose from that are included. Hint: these classes fill up fast!

    Entertainment -What kind of entertainment is offered on a cruise ship? We don’t have enough time to list everything, but these ships include theatres that feature elaborate Vegas-style shows, singers, comics, etc. Additionally you will find cinema-style theatres that show current movies. There are bar lounges with music to dance the night away, karaoke bars to sing the night away, or piano bars. There are numerous deck and pool parties. And don’t forget the Casinos which may feature high-stakes poker tournaments (of course gambling money is not included).

    You will find that the list of what is not included in a cruise is much shorter than what is included.

    What is NOT included in the price of your cruise?

    Tips
    Beverages
    Spa Treatments
    Shore Excursions

    Tips - When paying a cruise rate, the tips will not be included, although you can always pre-pay for the tips. Most of the workers on a cruise ship earn most of their money on tips….and they do EARN IT -- you will not find better waiters, stewards, or bartenders anywhere. Most cruise lines have “recommended tipping standards” that normally start at $10.00 per day per guest. Basically, these tips are distributed among the personnel that service your every need for the included cruise items such as your stateroom stewards, waiters, or bus person. Most cruise lines will automatically add their recommended tip amount to your stateroom account at time of sailing. This amount can always be decreased or increased based on the service received.

    Beverages - Alcoholic beverages are not included in your cruise rate. Also sodas, specialty coffees, or bottled water are not included. There may be options to buy packages for unlimited wine or alcohol or sodas that may be worth purchasing your beverage consumption is high.

    Spa Treatments - All cruise ships offer state-of-the art spa treatments such as messages, facials, and salon services. All these are extra…..but, boy, are they worth it!!!!

    Shore Excursions - Of course shore excursions are not included. There are dozens of things to do when ships dock at the beautiful exotic destinations. Cruise lines make it VERY easy for their clients to book excursion on-line even before they board the ship. Of course, shore excursion bookings are also available once you board.

    TRY TO REMEMBER TO….

    …. Keep track of your spending by holding on to all receipts
    ... Check your account balance throughout the day.
    ... Book the must-do shore excursion ahead of time since they may sell out

  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.