One of the best things that you can do to maximize the benefits of your Chase credit card is to find a card that offers you a high interest rate. In most cases, you will be able to find a card with a zero percent introductory rate for six to twelve months. After the introductory period is over, you will be offered an interest rate of five to seven percent. With this type of rate, you can save money each month. This will allow you to enjoy rewards of Chase card and you will be able to pay your monthly bills without any problem.
High-Limit Credit Cards:
Another way to maximize the rewards of Chase cards is to get them with the usage of high-limit credit cards. In this case, you can use your chase points to get free airline tickets and for hotel rooms. Aside from this, you can also enjoy benefits of Chase credit cards with the use of cash back programs. The cash back program provided by Chase allows you to earn points each time you use their services and this can be used as gift cards or to purchase merchandise.
Choose the Right Type of Card:
However, there are several things that you should take note before applying for a Chase card with the ultimate rewards points. First, make sure that you choose the right type of card. Two types of cards are preferred by most people and these are the credit cards and the gas cards. Even if there are more cards that offer high points but they have different rates, the rewards that you will enjoy using these two types of cards will still be the same. If you prefer to get a gas card, choose the one that has low rates and choose the one that offers frequent flyer miles.
Features of Chase Card:
Second, you should choose your Chase credit card carefully based on the features of Chase card. Check whether there are any annual fees that you will have to pay when you will use the card or not. Some cards do not offer any annual fees while others offer annual fees whenever you get to redeem your chase points. You should also check the amount of credit that you will be able to get for your needs.
Ask the Representative:
If you do not know how much credit limit that you will get, it is better for you to ask the representative of Chase Credit Card Company. This is because the representative knows the exact details of the deals that you want and the number of chase points that you need. This way, you will not be caught unprepared when you will need the points. You should also consider the annual fee, the APR rate, the grace period, the monthly payments that you need to make any other charges that you will have to bear when you will use the card.
Look for Sign-Up Bonuses:
Almost all the credit cards offer sign-up bonuses once you make the purchases with their cards. For those that offer more than just a gift card or other promos, look for other benefits that you can enjoy. Look for other offers that will help you save money and earn reward points.
You should check whether there are other credit cardholders who also enjoy these benefits. Some employers offer employee cards to their employees to help them enjoy the perks offered by Chase. However, there are also Chase employee cards that you can enjoy because you will be entitled to enjoy such benefits when you have a good relationship with your employer.
Lastly, you should take advantage of Chase Ultimate Rewards Credit Card Bonus. This is one of the best credit card issuers that will give out ultimate rewards once you have a good track record with them. You should know that you have to make 3 new purchases a month in order to earn points. You should make sure that you do not spend more than you can afford because this will lead you to failure in the end.