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Home > > Chase Flexible Rewards Visa Signature Card

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.

Earn 1,000 bonus points2 with your first purchase. Enjoy great rewards that you can redeem with as few as 2,500 points. Save even more with 0% APR for up to 6 months* and no annual fee.

The time period for the introductory APR and the balance transfers to which it will apply will be based on our review of your application for Flexible RewardsSM Platinum Visa® card and credit history.

*Valid for introductory period so long as you comply with the terms of your account. Also, we apply payments to introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account. Learn more about rates, fees, and other cost information by reviewing Pricing & Terms.

1No points will be earned on balance transfers, cash advances, overdraft protection advances, convenience checks, money orders, finance charges, unauthorized or fraudulent charges or fees of any kind, including fees for products that protect or insure the balances of your account. Maximum point accumulation is 5,000 per month/60,000 per year. Points will expire after 60 months.

2Please allow 4 to 6 weeks after your first purchase for bonus points to be applied to your account.

2

DID YOU KNOW?

Building and maintaining a savings cushion is vital for your financial health. Most financial experts recommend having a minimum of three months' worth of living expenses set aside in case of an emergency, but many people may find it difficult to build up that much money in savings. If you think that you might have difficulty in building up the savings that you need, you might want to consider some of the following ideas.

Focus your spending

Create a budget and track your spending. After seeing where your money goes, it's much easier to decide where you can cut. Then live by it.

Treat saving like a bill

Consider your monthly savings amount a bill that has to be paid. Pay your account every month or every two weeks.

Think small

Many people don't think their budget allows room to save, but even a small amount adds up over time. Depending on the size of your family, skipping a meal out each week could result in a $160 per month savings deposit. Take a good look at your spending habits, and you probably can find $150 or so each month in extras that you could do without to build up savings.

Save your raise

The next time you get a raise at work or a tax refund, consider directing half to savings. If you're not used to the money, you won't miss it.

Continue paying

When you pay off a car or other loan, consider making half of the payment to yourself and put it into your emergency savings account. You will not miss the money if it is in savings, but you will find a way to spend it if it remains in your checking account.

Turn off the TV

Don't listen to the advertisements, Ignore sale flyers or mail-order catalogs. The latest sale tempts you to spend money unnecessarily.

Think before you charge

Unless you're in the habit of paying your credit card bill in full each month, don't use the cards for anything you can eat or wear.

Consider a refinance

Shop for loan quotes and see if interest rates are lower than they were when you took out some of your major loans. Consider refinancing your mortgage and your car loan.

Alternate your commute

If you live in an area that has good public transportation, see if you can get around without the car. Maybe you can get by on one car instead of two.

Conserve energy

Do an energy check on the house. Replace cracked storm windows and renew the weather stripping.

Java-jolt savings

If you're a coffee drinker, don't stop at the coffee shop each morning. Make your coffee at home.

Participate in a 401(k) or 403(b) plan

If your employer doesn't offer these plans, then you could start saving in a tax-advantaged IRA or Roth IRA account.

Involve the whole family

Even the youngest child can contribute change to the savings goal. It is easier for children to get involved if they understand why they must give up pizza night (or at least cut down the number of toppings!). Also, you are setting a good financial example for your children.

Savings rewards

Plan a treat for you, your family or both when you reach your emergency savings goal. Make it something everyone will look forward to, but not something very expensive, like a day at the zoo or at the beach. The important thing is to mark the occasion and congratulate yourself and all those who helped!

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

Charles Dickens is said to be the world's most prolific novelist, yet most of his works are relatively unknown to the general public, especially those he wrote under the pen name Boz. His most popular titles, Oliver Twist, A Christmas Carol, A Tale of Two Cities, Great Expectations, have been retold countless times in books, scripts, theatre plays and movies, and are all now in the public domain. These works have been so popular that they have been re-published by so many different publishers that they have never been out of print.

As a business owner looking to add new products to your inventory, whether that be online or offline, you can’t go past public domain material. At a cost of ‘nearly free,’ you would be mad to give it a miss.

As with the above example, some stories are timeless classics, classics that will sell year after year, in many different formats and versions. This may be exactly the right type of product for your business. There are so many public domain works out there that you essentially will never run out of material to publish. And you will most likely find many manuscripts that will complement your existing products.

A good rule of thumb to follow is to check that the original manuscript was published before 1923 in the United States of America (other countries may have different copyright laws so you may need to check this with a copyright lawyer). You should always get a certificate of copyright clearance for each public domain document you are going to publish. This may save you many legal hassles later if anyone tries to dispute your right to re-publish the work.

Public domain books and other materials can be found in many places, with the most likely being second-hand book stores. Some people enjoy this process the most; discovering that hidden gem amongst the thousands of tattered old Mills and Boon romance novels.

Though, with the advent of the Internet this process is becoming increasingly more accessible to everyone. There are now many web sites that publish public domain material that can be freely accessed, and even some membership sites that actually find the material for you.

If you make substantial changes to the material, that is, make enough changes that make the new version unrecognisable from the original, you may even claim the new copyright with yourself as the author.

As Dickens made popular the serialised novel, so too can you be publishing serial after serial of public domain material.

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