Chase

Chase

Chase, which merged with JPMorgan & Co to become JPMorgan Chase & Co in 2000, is one of the "big four" banks in the United States. The company offers a number of financial services, including credit cards and banking.

The Good

  • APRs
  • Rewards
  • Fraud Safeguards

APRs

Chase offers some cards with an introductory rate of 0 percent for the first 15 months. After that, rates rise to 15.74 to 24.49 percent*, which is very competitive among rates offered by other top credit card companies.

Rewards

Chase offers several rewards programs that allow cardholders to earn cash back rewards, bonuses, and travel points.

Fraud Safeguards

Chase works to help its customers reduce losses by catching fraudulent activity before it causes serious damage by offering monitoring and verification services. Visit Site

The Bad

  • Annual Fee
  • Late Payment Penalty
  • Foreign Transaction Fee
  • No Free Credit Score Tracking

Annual Fee

Depending on the card, Chase charges annual fees up to $95, which is higher than industry average.

Late Payment Penalty

Late payments will incur fees of $15 to $37 dollars.

Foreign Transaction Fee

Chase charges a fee of 3 percent for foreign transactions, which can be deterring for frequent travelers.

No Free Credit Score Tracking

Some companies in the industry allow their cardholders to monitor their credit scores for free. However, Chase does not offer this service.

The Bottom Line

Chase offers competitive APRs, several rewards programs, and a number of fraud safeguards. However, the company charges a few different fees, including annual fees, late payment fees, and foreign transaction fees. Further, Chase does not offer free credit score tracking.

84 Chase Reviews

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  • User Score

    8

    September 14th, 2017 Fort Pierce, FL

    The interest rate is a little to high. Been a card member for along time and CHASE knows my payment history.

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  • User Score

    8

    September 14th, 2017 Fort Pierce, FL

    The interest rate is a little to high. Been a card member for along time and CHASE knows my payment history.

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    0 0
  • User Score

    7

    September 14th, 2017 Albuquerque, NM

    Interest rates are high and going higher but customer service is good.

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  • User Score

    7

    September 14th, 2017 Vancouver, WA

    okay service; okay interest rate; okay everything. Just okay.

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  • User Score

    10

    September 14th, 2017 Preston, ID

    I have NEVER had any problems. Whenever I have needed to call I actually get to talk to a person. Their customer service is GREAT!!!

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  • User Score

    1

    September 14th, 2017 Cornelius, OR

    Customer services is null, not willing to work with long standing customers about interest rates or services.

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  • User Score

    10

    September 14th, 2017 Buffalo, NY

    I have had no issues. The only thing I wish for is that someday I could actually talk into my bracelet and pendant. Sometimes I forget to take the piece you talk into and listen to,

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  • User Score

    10

    September 14th, 2017 Fairview Heights, IL

    I've had the card for 30 plus years and have never had a problem with service or the products offered by Chase. I am completely satisfied with Chase and would gladly recommend their services to my family and friends.

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  • User Score

    10

    September 14th, 2017 San Diego, CA

    low interest rate, high credit line, convenience checks often

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  • User Score

    1

    September 12th, 2017 Forest Lake, MN

    They are very nasty people unwilling to work with you report incorrectly and will not correct any issues they do whatever they want to your credit report I have a credit agency working on this and cannot get anywhere with them

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  • User Score

    1

    September 12th, 2017 Forest Lake, MN

    They are very nasty people unwilling to work with you report incorrectly and will not correct any issues they do whatever they want to your credit report I have a credit agency working on this and cannot get anywhere with them

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  • User Score

    5

    September 12th, 2017 Peoria, IL

    Good Customer Service and Support. Can do better on the cash back. There are others credit cards out there that are offering more cashback points with no annual fees

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  • User Score

    5

    September 12th, 2017 Peoria, IL

    Good Customer Service and Support. Can do better on the cash back. There are others credit cards out there that are offering more cashback points with no annual fees

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  • User Score

    10

    September 12th, 2017

    Great return on money spent and low fees

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  • User Score

    10

    September 12th, 2017

    Great return on money spent and low fees

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    0 0
  • User Score

    1

    September 12th, 2017 Ithaca, NY

    Unexpected rate hikes when economy is not performing well; misleading promotions ending in NG results

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  • User Score

    1

    September 12th, 2017 Ithaca, NY

    Unexpected rate hikes when economy is not performing well; misleading promotions ending in NG results

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  • User Score

    4

    September 12th, 2017

    Refused to adjust APR after incorrect information was removed from credit report. My APR was evaluated on false information.

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  • User Score

    4

    September 12th, 2017

    Refused to adjust APR after incorrect information was removed from credit report. My APR was evaluated on false information.

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    0 0
  • User Score

    5

    September 12th, 2017 Newark, NJ

    Intrest rates and also customer support has downgraded from what it was at one point

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