Chase the Credit Card Company offers a wide variety of credit cards to fit almost any lifestyle and credit rating. Everything from low credit line cards for bad credit up to rewards cards for those with excellent credit ratings. The Chase Flexible Rewards Card is one of the best cards offered by Chase Bank, since it gives those with excellent credit the chance to earn rewards and redeem them for a number of their travel needs.

How To Earn Points

The Flexible Rewards Card offers points for all types of purchases, from gas, dining, and even grocery shopping. One point is earned for every dollar spent on the credit card, and a cardholder can earn up to a total of 5,000 points every month. An initial 1,000 points is awarded for the first purchase made on the card when the account is first opened, and a total of 60,000 points can be earned every year.

Unlike other reward cards offering points only for certain purchases, the Chase’s Flexible Rewards Card offers points for every single purchase made on the card, making it easy to earn points no matter what the card is used for.

What Can Points Be Redeemed For?

Like most other reward credit cards, the Flexible Rewards Card allows cardholders to redeem their points for airline tickets. They can also be redeemed for several other travel needs, including rental cars and even hotel stays. Cardholders who don’t travel much can choose to redeem their points for merchandise offered by Chase Bank, or even exchange their points for cash rewards that can either be used toward the balance of their card or in the form of a check. Points can even be redeemed for gift cards for a number of major retailers, which can be used by the cardholder or given as a gift for an upcoming holiday.

Restrictions On Airline Tickets

Even though the Chase Flexible Rewards Card is much more flexible than most other rewards cards, there are some restrictions when it comes to redeeming points on airline tickets. A cardholder does have the flexibility of choosing the airline they wish to fly on as well as the dates, but some of the restrictions including booking 21 days in advance, and the flight must include a Saturday night stay over. Also, Chase points can only be redeemed for coach class plane tickets, so flying business class is not available on this program.

Cardholders can choose to use less points by redeeming them through Continental Airlines, since they have an agreement with Chase Bank. Also, frequent Continental customers can transfer their Chase points into frequent flyer miles, which can make it easier to purchase more expensive flights during peak periods. Chase customers can choose how they would like to spend their points based on which airline they would like to fly, since the Chase Flexible Rewards Card gives cardholders great flexibility.

The Chase Flexible Rewards Card is an excellent card for earning points, since it awards one point for every dollar spent on the card. The cardholder can choose a number of different ways of spending their points, with everything from gift cards to plane tickets to even cash. It is a great card to carry in your wallet or purse for anyone who travels, yet it is even beneficial for those who like to be rewarded for every dollar they spend.

Basically you find two types of credit cardholders.

Person #1

The person who can afford to pay their debt each billing cycle and uses credit for its convenience and the card’s benefits, like airline miles, credits at restaurants, hotels or theme parks, cash back or a certain percentage of spending donated to a designated cause or organization.

The other type of person is one who needs a credit card to purchase items and pay them off over an extended period.

Person #2

Is the most popular cardholder, so credit card companies advertise low interest cards to suit their demands.

All cards give you an annual percentage rate (APR) which gives a standard rate for the interest incurred on the balance you carry. Giving you the APR is mandatory for all credit card companies by the federal “Truth in Lending Act”? to inform consumers. It gives you the ability to compare apples to apples and oranges to oranges when choosing your credit card.

APR is not the only thing you should look for in a low interest rate credit card. As with all types of credit cards, they may have an annual membership fee, stiff penalties for late payments, and the APR being offered may be an introductory rate that lasts for a certain period then, changes to a much higher rate.

After comparing card benefits, your particular need, and the APR you are willing to pay, choosing is a breeze. Making the right choice comes with well-worth investigation. Before making any card selection make sure you read and understand the “Terms and Conditions” of the card.

If you take the time to look around you, there are credit card offers in newspapers, magazine, internet, television and some that come straight to you in the mail. So, how do you choose? This highly profitable market offers a plethora of benefits which will help you in choosing like low APR cards.

Start off by evaluating your needs in comparison with your lifestyle and how you spend your money.

• Do you shop regularly anywhere?
• Do you have a favorite gas station?
• How about groceries, are you faithful to a particular supermarket?

After answering these question, look into if these businesses offer store credit cards or a Mastercard or Visa co-branded card that you can used elsewhere. All of these types of cards offer some sort of benefit like a certain percentage discount when you use your card and an even better discount for its used at the store itself.

If you have a certain theme park you like to visit, they may offer credit cards as well. They typically accumulate points or rewards that have a monetary value at the park. I’ve known of people who actually pay for their entire theme park vacation using the points off of their card.

For those you like to travel there are airline credit cards where you rack up airline miles when traveling to be used on their airline. They may also offer special discounts, cash back and rebates, balance transfers or rewards when you use the card for general purposes.

Now don’t go crazy getting every credit card you see, just choose those that will offer incentives that you will benefit from on a regular basis. Maybe, you can travel to your dream destination or get a substantial discount coupon for a store you frequent. Who Knows? The rewards offered by today’s credit card companies are countless.