Tag Archives: Chase

Disney Rewards Visa Card

New Disney Rewards Visa card members receive a generous $50 statement credit after their first purchase on the card.

Mickey Mouse credit cardThe rewards keep on coming as each eligible purchase gives you 1% in Disney reward dollars wherever Visa is accepted.

With no annual fee and 10% off on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store retail locations, your Disney experience can be very affordable.

The Disney Rewards Visa card even offers an introductory APR of 0% for 6 months when you use your Disney Rewards Visa Card to book travel through Walt Disney Travel Company for select Walt Disney World and Disneyland Resorts vacations packages, all Disney Cruise Line packages and Adventures by Disney packages, and Aulani, A Disney Resort & Spa, Ko Olina, Hawai’i vacation packages.

Disney Rewards Visa card holders receive both 10% off purchases of select items at Disney retail locations or online and 1% rewards to boot, which adds up to a great deal for Disney fans.

In addition to the 10% Disney discount, when you use your Disney Visa card you get special deals at the following retailers:

  • Save 15% at macys.com plus receive FREE Shipping on your purchase of $99 or more
  • Save 15% on your purchase at Things Remembered
  • Get $25 restaurant gift certificates to some of your favorite restaurants for as low as $5 at Restaurant.com
  • Save 20% on your next bouquet from ProFlowers.com

In addition the Disney Rewards Visa card provides its members free fraud monitoring systems, zero liability on unauthorized use, extended warranty protection, and the buy now – pay later feature.

Apply here for your Disney Rewards Visa Card.

J.P. Morgan Palladium Card

With currently only a limited number of J.P. Morgan Reserve Cards in circulation, this card ranks among the most elite in the credit card world.

private jet in air
When time is valuable

Made of made of solid palladium with 23K gold etching, the physical card is worth more than the $595 annual fee.

Not available to the general public, the Reserve Cards caters exclusively to J.P. Morgan Chase Private Banking clients with a minimum of $10,000,000 in investment assets at J.P. Morgan.

The usual benchmark features of the credit card industry don’t fully justify the card’s value, because of all the other benefits private wealth advisors bring to the table for their clients.

For the record some of the features are:

  • Smart chip and signature technology to make international travel convenient
  • No nuisance fees such as foreign transaction, cash advance, late or over-limit charges
  • Primary auto rental coverage
  • Emergency evacuation or repatriation
  • Trip delay or cancellation insurance
  • Baggage delay or lost luggage coverage
  • Emergency accident or sickness coverage
  • Price and return protection
  • Exclusive airport lounges and services

As for spending limits: there aren’t any to be concerned about since purchases usually are beyond the norm.

The $595 card fee is partially covered by the $300 in statement credits given annually as reimbursement for travel purchases made on the card.

For details consult your J.P. Morgan financial advisor or visit the J.P. Morgan Reserve Card web page.

Chase Sapphire Credit Card Comparison Tool

Chase Sapphire Card
Chase Sapphire with Ultimate Rewards no longer takes new clients, but current cardholders can still use the card as before.

Chase currently offers a Ultimate Rewards card in two versions:

  • Sapphire Preferred ($95 annual fee)
  • Sapphire Reserve ($450 annual fee)

You can compare the three Chase Ultimate Rewards cards offer in the table below to see which one is best for you.

CHASE SAPPHIRE COMPARISON CHART

FEATURES REG PREFERRED RESERVE
Type VISA VISA VISA
Grace period 21 21 21
Annual Fee $0 $95 $450
Balance Transfer Fee n/a 5% 5%
Cash Advance Fee 5% 5% 5%
Foreign Transaction Fee 0% 0% 0%
APR Intro n/a n/a n/a
APR Balance 17.49%- 24.49% 17.49%- 24.49% 17.49%- 24.49%
APR Cash Advances 26.49% 26.49% 26.49%
REWARDS
Base  purchase rewards 1% 1% 1%
Dining (see notes) 2% 2% 3%
Travel (see notes) 1% 2% 3%
Annual bonus no no 50% UR
Minimum amount to redeem none none none
Redeem at UR portal 100 => 100 100 => 125 100 => 150
Redeem at ChasePay 100 => 80 100 => 80 100 => 80
Redeem at Amazon 100 => 80 100 => 80 100 => 80
PURCHASE SECURITY
Fraud Protection yes yes yes
Purchase Protection $500 per claim $500 per claim $10K per claim
Price Protection discontinued discontinued discontinued
Return Protection discontinued discontinued discontinued
Warranty extension 1 yr max 2 yr max 3 yr max
Free FICO score yes yes yes
Blueprint Financial Tool yes yes yes
Apple Pay yes yes yes
Mobile App yes yes yes
Visa Signature Concierge yes yes yes
Add authorized user fee $0 $0 $75
Shop through Chase yes yes yes
Credits – travel no no $300
Credits – global entry no no yes
Credits – travel no no $300
Points transfer no 1 to 1 1 to 1
Lounge access n/a n/a Priority select
INTRO (ONE TIME ONLY)
Bonus points ($4000 spend/3 months) n/a $500 $500
Bonus points (authorized user) n/a $50
INSURANCE
Auto rental collision yes yes yes
Trip cancellation up to $5K up to $10K up to $10K
Trip Interruption $500/12 hrs $500/12 hrs $500/6 hrs
Baggage delay yes $100 day/ 5 days $100 day/ 5 days
Lost baggage $3K per person $3K per person $3K per person
Roadside assistance fee fee 4 times
Travel accident death $500K $500K $1M

NOTES

DINING REWARDS

The restaurant category for extra reward points is broader than is generally believed, since it includes fast-food places, coffee shops, bars, as well as fine dining ones.

However Chase writes, “Please note that merchants that sell food and drinks located within larger merchants such as sports stadiums, hotels and casinos, theme parks, grocery and department stores will not be included in this category unless the merchant has set up such purchases to be classified in a restaurant category.”

So buying a coffee from Starbucks in a grocery store may not get points, but a purchase in a free-standing shop will.

TRAVEL REWARDS

Although bonus rewards for travel aren’t applicable for the no-fee Chase Sapphire card, they could add up quickly in certain metropolitan areas such as New York City or Los Angeles.

Besides airline tickets and hotels, the travel category includes tolls and parking which can quickly add up in Manhattan, where the average monthly garage bill is about $400 or almost $5,000 per year, and the George Washington Bridge toll is $15 or up to $3800 per year.

Earning 2% on $7,800 nets $156, or more than the $95 annual fee on the Chase Sapphire Preferred card.

REWARD POINTS NEVER EXPIRE, BUT…

Under certain conditions Chase will take all your hard-earned points away.

Your points don’t expire as long as your account is open, however, you’ll immediately lose all your points if your account status changes, or your account is closed, for any of the following reasons:

  • You don’t make the minimum payment on your account within 60 days of the due date
  • You fail to comply with this or other agreements you have with Chase
  • We believe you may be unwilling or unable to pay your debts on time
  • You file for bankruptcy
  • We believe that you’ve engaged in fraudulent activity related to your account or the program
  • We believe that you’ve misused the program in any way, for example:by buying or selling points
  • By moving or transferring points to an ineligible third party or account
  • By repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards

In other words deadbeats and people who churn accounts at Chase will be unceremoniously booted out of the program.

Since the original Chase Sapphire cardholders can still use their cards Ultimate Rewards card, the choice on whether to upgrade to the premium versions depends on whether paying annual dues makes or breaks the deal.