Chase Freedom Credit Card
Posted in chase freedom credit card on January 7 2009
The Chase Freedom Credit Card is a popular credit card that offers bonus cash back with special offers every quarter. They start you off with 3% bonus cash back on gas, grocery and fast food purchases for the first six months.
You also earn unlimited 1% cash back with EVERY purchase that you make with no cap and no expiration.
What I enjoy most about the Chase Freedom Credit Card is that you save on interest with a 0% intro APR on purchase up to 12 months. Best of all: No Annual Fee!
RATE, FEE AND OTHER COST INFORMATION
| Annual Percentage Rate (APR) for purchases |
| Elite and Premium Pricing:a A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, |
| Other APRs |
| Balance Transfer APR : Elite and Premium Pricing: 9.99% variable for Elite Pricing, or 13.99% variable for Premium Pricing. Standard Pricing: From account opening, 18.99% variable.
Cash Advance APR : Elite and Premium Pricing: 19.99% variable. Standard Pricing: 23.99% variable. Default APR : Up to 29.99% variable. See explanation below.c Overdraft Advance APR : 19.99% variable (not available in some states) |
| Variable rate information |
| The following APRs may vary monthly based on the Prime Rate:d
Purchase APR : Elite and Premium Pricing: The Prime Rate plus 5.99% for Elite Pricing, or plus 9.99% for Premium Pricing for outstanding and new balances after the introductory period. Standard Pricing: The Prime Rate plus 14.99% for outstanding and new balances after the introductory period. Balance Transfer APR : Elite and Premium Pricing: The Prime Rate plus 5.99% for Elite Pricing, or plus 9.99% for Premium Pricing. Standard Pricing: The Prime Rate plus 14.99%. Cash Advance APR : Elite and Premium Pricing: The Prime Rate plus 15.99%. Standard Pricing: The Prime Rate plus 19.99%. Default APR : The Prime Rate plus up to 26.99%, but not more than 29.99%. Overdraft Advance APR : The Prime Rate plus 15.99%. |
| Grace period for repayment of purchase balances |
| At least 20 days. |
| Method of computing the balance for purchases |
| Average daily balance method (including new purchases). |
| Annual fee |
| None |
| Minimum finance charge |
| $1.00 |
| Transaction fee for balance transfers |
| 3% of the amount of each transaction, but not less than $5.00. |
| Transaction fees for cash advances |
| 3% of the amount of the transaction, but not less than $10.00. |
| Late Payment fee |
| $15.00 on balances up to, but not including, $100.00; $29.00 on balances of $100.00 up to, but not including, $250.00; and $39.00 on balances of $250.00 and over. |
| Over-the-Credit-Limit fee |
| $39.00 |
| International Transaction fee |
| 3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. |
a We will first consider you for the pricing above with the lowest rates. We reserve the right, based upon our review of your credit history and information furnished by you, to open an account with alternative pricing as stated above, or not to open an account at all.
b Rates, fees, and terms may change: We reserve the right to change the account terms (including the APRs) at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account. The APRs for this offer are not guaranteed; APRs may change to higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. Any changes will be in accordance with your account agreement.
c Your APRs may increase if you default on this account for any of the following reasons: We do not receive at least the minimum payment due by the date and time due; you exceed your credit line, if applicable; or you make a payment to us that is not honored by your bank. Your APRs may increase as of the first day of the billing cycle in which the default occurs. We may consider the following factors to determine the default rate: the length of time your account has been open; the existence, seriousness and timing of defaults; other indications of your account usage and performance; and information about your other relationships with us, any of our related companies or from consumer credit reports.
d The “Prime Rate” is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Variable APRs are based on the 4.00% prime rate on 11/04/2008. source:chase.com
where do i sign up?
where do i sign up?