Chase Perfect Card

0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases

Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
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DID YOU KNOW?

	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.

Paying for college sometimes means using student loans. Student loans are specifically designed to help students meet the costs of a higher education. Most student loans offer good deals on tax credits, payback and interest rates. However, before getting a student loan it is important to consider the different types of student loans and where to go to get one.

Student loans can come from private lenders, colleges or the federal government. Federal loans are often guaranteed, which means no collateral is needed to obtain the loan. The Federal Stafford Loan is a commonly used government loan that provides low interest rates. Some Stafford Loans are based on income and others are not. Subsidized loans are based on income and the government pays interest until the student begins repayment. An unstudied loan Leaves all interest up to the student. There is also the Federal PLUS loan that parents can take out for students.

Besides the government loans there are bank loans. Loans through banks differ in payment options and interest rates. Most banks will require some form of collateral for the loan. Collateral is something that the bank will get if the loan is not paid. State loans can be more expensive than government loans and are usually handled through banks. College loans are the most costly and should only be used on an emergency basis. There are also special loans that a student may apply for based upon certain factors, like military affiliation.

Once a loan is secured reading and understanding it is essential. A student should understand about repayment, interest rates and any limits on amounts they can borrow. Understanding where to go get a loan is also important. Student loans may be the only way to ensure a student can afford college, so getting to know the options is a good place to start.