Chase Platinum MasterCard®
- 0% Intro APR
- 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
- FREE Online account access
- FREE Travel services including Auto Rental Collision Damage Waiver and worldwide travel accident insuranceNo Annual Fee.
| Name | Chase Platinum MasterCard® |
| Issuer | Chase |
| Credit Type | Unsecured Card |
| Card Type | Consumer |
| Intro APR | |
| Regular APR | 10.49% |
| Cash Advance APR | |
| Annual Fee | None |
| Credit Needed | Good Credit |
| Credit Limit | - |
| Network | Mastercard |
| Grace Period | |
| Finance Charge | 1 |
| Balance Transfer Fee | |
| Cash Advance fee | 3% of the amount of the transaction, but not less than $10.00. |
| Forex Fee | 3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. |
| Setup Fee | 0 |
| Late Payment Fee | $15 on balances up to, but not including, $100; $29 on balances of $100 up to, but not including, $250; and $39 on balances of $250 and over. |
| Over-limit Fee | 39 |
| Review | This is a credit card account that is somewhat elite in its guidelines; these cards are only given out to customers who have the best credit ratings and who have the income to support a large credit limit. If you do not meet these basic criteria then you will not be considered for a Chase Platinum MasterCard, and if you do then you will have access to a large credit account that can be put to work for you. There are no annual fees on this credit card, however there are other standard related fees that you must become familiar with before using the account: late fees, overlimit spending fees, cash advance fees and APR and balance transfer fees. Late fees are calculated according to the amount you owe: for anything up to $100 the fee is $15; for anything between $100 and $250 you will be charged $29, and anything more than that will cost you $39. If you spend more than you have been allocated in credit you will be charged a flat fee of $39. Cash advances on this card are more expensive than most because of the minimum payment of $10; technically each cash advance will cost you 3% of the amount taken out. Cash advances are charged APR at 23.24%. If you spend in a foreign currency, the conversion fee is 3% of the amount once it has been converted to American dollars. If you wish to make a balance transfer from one or more of your existing credit card accounts to this one, there is a 3% transfer fee for each transaction. There is a minimum payment of $5 and a maximum payment of $75. After a six month no-APR grace period on balance transfers, the balance is subject to standard purchase APR.The standard purchase APR for this credit card is dependent on your credit history. You may be offered a rate of 13.24%, 17.24% or 22.24% variable, however if you fail to make payments on time each month this introductory offer will shoot up to the default APR of up to 31.24% variable. You will also stand to lose the introductory twenty day no-purchase-APR grace period. One of the best features of this card is its size and the flexibility this will give you in spending. If you receive the lower APR this is certainly an account that can work well for you; if you get the higher interest rates then it might not be wise to spend too much money on the account. |
| Term and Conditions |
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