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Chase Business Cash Rewards Card
Issued By: Chase |
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Receive Additional Cards Your Employees Can Use
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Receive Quarterly Management Reports
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Pay No Annual Fee
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0% APR on Purchases and Balance Transfers for Up To 12 Months
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With No Merchant or Category Spending Restrictions, You Can Earn Points by Shopping Wherever You Want, for Whatever You Want
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Earn Up To 5% Cash Back with Unlimited Rewards Potential
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
0.00% |
12 months |
14.240% |
none |
Purchases, Balance Transfers |
Limited or No Credit |
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Card Info Last Reviewed 2007-04-23 |
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Our Review
The Chase Business Cash Rewards Card, issued by Chase, is designed for those with very good credit who are looking to consolidate business related expenses with one credit card and plan to take advantage of the rebate program.
Through the rebate program, cardholders receive up to 5% cash back on all their purchases with no limit on the amount of cash rewards that they can earn. However, the earnings are based on the following tiered system: one point per $1 for new net purchases totaling between $0 and $2,000 each billing cycle; five points per $1 for new net purchases totaling over $2,000 and up to $2,500 each billing cycle; and 1.25 points per $1 for new net purchases totaling over $2,500 each billing cycle. Therefore, not all purchases will earn the full 5% rebate. Cardholders receive $50 every time that they earn 5,000 points or they can choose to receive brand-name merchant gift certificates.
Aside from the reward program, the card provides several benefits that include a purchase protection plan, travel accident insurance, and auto rental insurance.
The card has no annual fee, and it provides a 0% introductory rate for the first twelve billing cycles on purchases and balance transfers. However, once the introductory rate expires, the card does have an above average interest rate for purchases and balance transfers.
Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance compared to the "Average Daily Balance" method used by some other credit card issuers.
Therefore, those who can pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the reward program will benefit most from what the Chase Business Cash Rewards Card has to offer.
Additional Perks
Various Internet account related services.
No liability for unauthorized purchases.
Year-end financial statement (upon request).
Emergency cash replacement.
Emergency card replacement.
Lost and stolen card reporting.
Travel accident insurance.
Auto rental insurance (Auto Rental Collision Damage Waiver).
Various travel and emergency assistant services.
Extended warranty for purchases.
Purchase protection.
Visa Business Partner Advantage.
See website for additional benefits.
Certain restrictions, limitations, and exclusions apply.
If an account is opened, please refer to the Guide to Benefits for details.
Notations
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 5.99%, 9.99% or 14.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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