Chase - Visa Review

Chase Visa Card

This credit card has been good for me for many years.  The rate is fairly low at around twelve percent and has not fluctuated over the 5 years I have had the card.  My rate has in fact gone down once after I called and requested a lower rate, and the company was more than willing to work along with me to lower the rate so that I would keep using the card. 

The point system is very fair and I have used it a lot.  You get one percent, or one point for every dollar you spend.  The points can then be used for cash back, or gift cards to restaurants, online retailers, and many other places.  When you request the points to be used they are used in a timely fashion and you get your check fairly quickly. 

The billing cycle is a four week cycle which leaves plenty of time to get my bill and pay it.  They also offer free online bill pay which is really nice and is something that not all credit card companies are doing anymore.