 Chase Platinum
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Intro APR: 0%
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Issuer: Chase Manhattan Bank
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Choose all the privileges of Platinum, with a 0% APR for up to 12 months.
Now that's interesting. Apply Now!
0% Introductory APR for up to 12 months on all 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
- Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges
- FREE Online Account Access
- FREE travel services including Auto Rental Insurance and $500,000 Worldwide Travel Accident Insurance
- Zero Liability on unauthorized transactions**
*Valid for introductory period so long as you comply with the terms of your account. Also, we apply payments to introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account. Learn more about rates, fees, and other cost information by reviewing Pricing & Terms.
**Covers U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See your Cardholder Agreement for more details
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In the financial world, American Express or AMEX is one of the most widely renowned names. If you have a credit card in your wallet, chances are you own a credit card that has a VISA or MasterCard seal in it.
MasterCard and VISA rely on partnerships from different banks in the world and do not issue a credit card of their own. What these companies do is they are simply selling their payment methods.
MasterCard and VISA charge their partners a fee for using the payment systems in order to make money. Both these companies do not issue credit cards. It is important to remember that VISA and MasterCard are only payment systems used by thousands of banks worldwide.
In American Express, they have both the payment methods and issue their own credit cards.
This means American Express runs everything and is independent from credit card companies like VISA and MasterCard. They don't need to rely on the payment systems of VISA and MasterCard because they already have their own payment systems for their credit cards.
VISA and MasterCard is by far, a more accepted payment method for a lot of people. This is because these two companies operate in around 20 million locations worldwide. However, American Express is more difficult to use because they still don't have the payment systems that these other two companies have.
But, American Express is now upgrading their payment systems and considering opening up payment methods in other countries.
However, American Express has its advantages. American Express is widely popular in North America and Europe where this credit card can offer great credit card deals. Then can offer very attractive rates, great rewards, and also great customer service.
American Express is unique in its own way. Because of the great offers and great rates, American Express credit cards are well on its way to become one of the most popular credit cards used by people. American Express offers the "blue" card where it is gaining popularity for a lot of consumers in North American and in Europe.
They offer four different blue cards where it is different from each other. Here are the different blue cards that American Express offers their clients:
-American Express Sky Blue
The Sky Blue card that American Express offer is one of the best travel rewards card you can ever have. They offer great traveling benefits to their clients. It offers no black out dates and also no travel restrictions unlike other travel cards you would find in the market. This will mean that a Sky Blue card holder will be allowed to travel wherever they want and whenever they want. Not only that, the Sky Blue card offers 0% introductory APR and no annual fee.
Additional benefits of the Sky Blue card include airline tickets discounts, car rentals, hotel stays, and you can even have an insurance coverage for the rental card and travel accident.
-American Express Blue Cash
Blue Cash is also one of the best credit cards that American Express offers. The benefits get as much as 5% cash back from anything they purchase with a Blue Cash card unlike the 1% or 2% cash back cards from other credit card companies.
-American Express Blue Card
The Blue Card is the original card offered by American Express. Although it doesn't have much of the features that the Blue Cash and Sky Blue cards offer, the original Blue Card is still a great choice. The Blue Card offers 0% APR up to 15 months. Other benefits are 4.99% APR on balance transfers and it also has great rewards program that can match other rewards program offered by other credit cards. Also, there is no annual fee with the Blue Card.
-American Express Jet Blue
The Jet Blue Card American Express offer gives you points whenever you use it to fly on Jet Blue Airways. For the first time users of Jet Blue, they will instantly get 5,000 points.
American Express truly gives what you want in a credit card. So, if you want a credit card with great benefits, great rates and great customer service, try getting an American Express credit card. |
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- Transfer your balance to Chase Platinum
- Because of the uprising number of credit card subscribers, credit card providers develop different tactics to attract these customers to avail in their company. There have been the cash pay back, monthly low interest rate and the enticing zero annual percentage rates. With these offers, who would not be tempted to get or transfer their balances to a new credit card and a promising one?
The only question here is, do you really get the real deal? Most often than not, maybe you don't. So to help you decide on choosing the right APR for you, here are some guidelines:
-Reflect on your credit lifestyle. This means that you have to assess your credit needs and how you have proportioned your finances to meet these needs. If you are currently into the credit card system, ask yourself if there is already a need for you to transfer balances, what are the purchases that you badly needed and will you be able to pay the balances before the due date. Your honest assessment on these things will guide you to the credit card that best fits you.
-Consider the card features that will meet your needs. It should be noted that in most cases, the annual percentage rate for a balance transfer is different from that of purchased amounts. So which is more important to you? Or would you prefer both? And since APR are mostly part of the promotion strategy, it could last for a certain span only, say on the first six months after the approval of application up to a minimum of a year. This means that after the zero % APR has expired, the current rate will then be charged to your account. So look carefully and analytically what's behind the offers. You can either get more or lose more.
-Find time to make a comparison among the credit card providers. Although a lot of companies offer the same zero % APR, the terms after that promo are certainly different. It is best to browse into these terms and conditions first before jumping into the pit. It would also be helpful if you set a criterion on what you want and how you want them to be.
-Stick to your criterion. There could be lots of flashy offers to mislead you so don't lose sight of the target. If the zero APR will help you meet your balances, then find the best deal of it.
-Confirm each of the agreements under the terms with the credit card providers. They are the right people to ask regarding the matters governing their company. Though the company representatives will tend to sweet talk in order to hook you to apply in their company, you can get honest answers from them. Absolutely, they cannot speak more what they really can offer.
The offer of a zero annual percentage rate is indeed irresistible! But surely, too, you know that things which are too good to be true are ephemeral. They are temporary and soon, they can even rise to a more expensive fixed rate. So take a closer look to what it will cost you in the long run. Don't be allured of flashy instant deals which will hook you to greater debts. The credit card should be an asset to you, and not a liability.
- 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.
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