We use credit cards for many purposes, be it your everyday spending or yearly exotic travel plans. The convenience, benefits, and security of using credit cards is incomparable to other modes of payment.
But the value you get from your credit card also depends on the credit card company. For maximum benefits, it’s best to trust leading financial service providers like J.P. Morgan Chase for a credit card.
Chase credit cards come with low interests and lucrative cashback and bonuses. These perks are boosted by quality service, protection, and exclusive customer benefits. Up next we tell you more about how to get a Chase credit card.
Benefits of Chase Credit Cards
Chase credit cards come with annual bumper bonuses and lucrative APRs for existing as well as new customers. The specific features of the credit cards vary according to the type of card you apply for.
For example, Chase Freedom Unlimited® credit card offers a $200 bonus on a purchase of $500 within the first 3 months for new users. The card also has a high cash back of 1.5% on regular purchases and 5% on grocery purchases.
The Chase Sapphire credit card gives you 60,000 bonus points on spending $4000 within three months. Chase also has an exclusive range of credit cards for travel-buffs.
These cards provide you with bonus points on travel and dining expenses, purchase protection, insurance, and many more. The best part is that Chase travel credit cards have zero foreign transaction fees, which saves a big chunk of your money.
Fee and Interest Charges
The following charges are applicable on Chase credit cards.
Interest rates and APR: The Annual Percentage Rate (APR) includes all the expenses you’ll incur on the card along with the interest rates. The APR for Chase cards ranges from 15.99% to 22.99%, depending on your credit score and market prime rate.
Annual Fees: Chase charges an annual membership fee of $95 on selected cards.
Balance Transfers: It amounts to 5% of the amount of transfer or $5 (whichever is greater)
Cash Advances: It amounts to 5% of the amount of transfer or $10 (whichever is greater)
Late Payment: Up to $39
Return Payment: Up to $39
How to Apply for a Chase Credit Card?
You can follow these simple steps to apply for a Chase credit card. First of all, go to the official Chase credit cards website and choose the card you like. You should read all the T&C carefully and click ‘apply now.’
You can log in with your Chase account or ‘apply as a guest’ to proceed further. The application window will open, and you’ll have to fill in your personal details, including address, income, etc. And finally, submit your application and wait for a representative to contact you once approved.
Alternatively, you can visit the nearest Morgan Chase branch to apply for a card if you’re already a customer.
You’ll have to meet following eligibility criteria to successfully get a Chase credit card.
- You must be 18 years or older to get approved (19 in AL and NE, 21 in Puerto Rico)
- You should have a healthy credit score, preferably more than 700
- You must have a stable source of income
You’ll need the following documents while applying.
- Proof of Address (Utility bills, mortgage papers, etc.)
- Proof of Identity (Driving License, government ID, etc.)
- Proof of Income (salary slips, tax returns, bank statements, etc.)
You can contact a J.P. Morgan Chase representative for any query related to customer service at 1-800-935-9935
Chase credit cards are one of the best options for any use, be it travel or everyday utility. The bank has tailored the benefits according to the users of the credit card.
There aren’t many options comparable to Chase cards in terms of service and affordability. That’s why it may be your best choice, depending on your credit card requirements.
There are risks involved when applying for and using credit/ loan. Consult the bank’s terms and conditions page for more information.