Chase Flexible Rewards Visa Signature Card

0% APR for up to 6 months*
No annual fee.


Why settle for a rewards credit card that limits your choice of rewards?
With the Flexible RewardsSM Platinum Visa® card, you can earn 1 point for every dollar spent1 and turn everyday purchases into extraordinary rewards:

• Merchandise - Choose from a variety of great brand name products.
  
• Travel - Earn airline tickets, hotel stays or car rentals.
  
• Cash back - Redeem 3,500 points and receive a $25 check.
  
• Gift cards - Get free stuff from your favorite stores and restaurants.
  

DID YOU KNOW?

	Refinancing your car loan can help you save thousands of dollars and reduce your monthly payment. Below listed are simple tips to help you refinance your car. The lower payments and the thousands of dollars in savings will help bring balance back in your life. The first question you need to answer is "Will I be saving money be refinancing?" You will need to determine factors that include time remaining on your loan, new interest rate and possible savings over the length of the loan. Also take into consideration any switching costs or fees to setup your new refinance loan. If you end up with a lower interest over the same length of time, you should refinance your auto loan. There are some factors that will need to be considered before the refinance. The biggest reason for a refinance is thousands of dollars in savings on the interest you have been paying currently. Sometimes people are stuck with their initial loan due to pressure from the car dealer to buy the car on loan. Many individuals find they never had the time to calculate the payments through the excitement of driving their new car. The best time according to experts to refinance is when you are about to change the amount of your repayments, either paying less or paying more each month. If your intent is to stretch longer so you can afford to pay your loan, a refinance starts to make sense. Whatever be your reason to refinance, check with multiple refinance companies and compare interest rates and fees. Rethink your options wisely and make sure you are really saving money with the refinance. If you are looking for a good company who can provide your with auto refinance quotes, feel free to visit our site and read further on services we provide to our clients.

I have received numerous inquiries regarding One from American Express, a new cashback credit card that deposits 1% cashback into a high yield savings account. Here I’ll discuss the features, benefits, and fine print issues of One from American Express.

Delving into the precise rewards value of this Amex credit card is a little difficult. Whenever you make a purchase, American Express makes a deposit of 1% into a high-yield savings account (currently, the variable interest rate is 3.5%). The amount of interest you can earn will vary dramatically from cardholder to cardholder. Now, because I’m a rewards junkie, I use my credit cards for every purchase and pay my balance in full each month. Why use an ATM card when you can get paid to use your credit card? It doesn’t make sense. Assume you use your One from American Express credit card for all of your everyday purchases. Over the course of a year, most people’s food, gas, and entertainment expenses exceed $10,000 to $15,000, especially those with large families. Thus, if you spend $10,000 with the One from American Express credit card, you’ll receive a $25 bonus deposit for signing up, $100 in savings deposits, plus interest. So far, very good.

Additionally, new card members are charged no annual fee their first year, and are benefited even more by an Interest Protection feature that allows you the opportunity to pay no interest on new purchases, even if you carry a balance.

However, small spenders do face a problem. During the second year of card membership, there is an annual fee of $35. For those who spend $10,000 or more each year on their credit card, this doesn’t pose too much of a problem, as you’ll earn most of that fee, if not more, in interest.

However, if you only spend a few thousand dollars a year, the annual fee will really eat away at your rewards. For those who fit into the small spending category, other cashback credit cards, such as the American Express ® Blue Cash SM , the Citi® Dividend Platinum Select® Card, or the Chase Cash Plus® Rewards Visa may ultimately provide better value.

Overall, One from American Express ® provides great value for large spenders. But, unlike cashback credit cards that charge no annual fee, this credit card may not be the best option for smaller spenders.

Copyright 2006 Credit Card Depot Inc.