Two of the more easily recognized credit card networks have many comparable offers – and can give other credit card companies a run for their money. For the consumer, it’s the ultimate credit card dream: credit card companies, especially Chase Bank and Discover are working hard to earn your loyalty. Check out these Discover and Chase credit card offers and see which ones best suit your needs.
Here’s where it appears both Chase and Discover are mirroring the other’s perks and benefits. Both networks offer the best security fraud protection in the industry, paperless statements and fraud alerts. The customer service for both these networks consistently ranks high for consumer satisfaction.
The Discover More card is often the Discover card of choice and what many consumers miss out on is the impressive perks on the Discover Motiva. Cash back, a low 3.99% APR on both purchases and balance transfers for 15 months, a whopping 20% cashback bonus when you shop online through the Discover website and there’s no annual fee. It’s hard to beat an offer like this; but rest assured, Chase’s competitors are on its heels.
Chase Freedom MasterCard
This really is Chase’s shining star, especially since the the credit card company began tacking on fast cash back options. For instance, this Chase MasterCard offers a $100 cash back bonus after you spend $500 the first three months – and there’s an intro 0% APR for the first year. You can take advantage of the balance transfer features with the intro rate for twelve months while your purchases won’t be subject to interest for a full six months. This, along with an impressive APR after the intro period expires shapes up to be a great offer worth considering. Finally, your cash back rewards never expire so you can save up your points to take a month long cruise around the world if you wish.
And speaking of the Discover More, take a look at these features: First up is the 18 month promo balance transfer period. Pay no APR on your balance transfers during the promo – imagine moving all of your balances over with a year and a half to pay down the balance with no APR. Also, there’s no annual fee and everyone loves those rotating quarters throughout the year when new savings categories are introduced. Request an additional card at no cost (many credit card companies are charging exorbitant fees for additional credit cards).
Chase Slate with Blueprint
No Chase review is complete without including the Chase Blueprint. This credit card, marketed to those with high credit scores, has many benefits, including a 15 month 0% intro APR for purchases. Another important element associated with the Chase Slate is the absence of “fluff” – those additional benefits you likely will never use. Instead, the focus was on making sure it’s chock full of perks consumers do want – money management tools, no annual fee and of course, zero fraud liability.
British Airways Visa Signature Card
You might recall the co-branded offer between Chase and British Airways that was the first one to offer smart chip technology in in its efforts of keeping fraud down. For those who travel internationally – and certainly to the UK, this is one credit card that lives up to its name. So, besides the new technology, is this a viable option? We especially like the absence of transaction fees. Next up, you’ll notice the opportunity to earn 100,000 BA miles, complete with the first 50,000 miles coming as soon as your first purchase. The second 50,000 will appear after you’ve spent $2,500 in your first three months.
To “Chase” or “Discover” – regardless of which credit card company you ultimately select, be sure to take advantage of all of its offerings. Many times, travelers find themselves stranded and never once considering their credit card company may offer complimentary tow services or even the cost of a hotel room if needed. A quick calculation reveals the impressive savings, courtesy of competitive credit card companies.
Double check the terms and conditions before you apply so that you can be sure you’re getting exactly what you’re looking for in a new credit card.