Chase Continues Disney Credit Card

Looking for a Credit Card for Christmas Shopping? Before you submit a credit card application, first review the main points which will help you choose the right credit card for your needs.

What Charges You'll Make - If you're going to use the credit card mainly for booking airline reservations and hotels, it might be best for you to get a travel credit card that offers sky miles and hotel points or cashback. If this will be an emergency credit card only, then your main concern may be for a low interest rate credit card with low fees.

When You'll Repay Charges - Will you pay off credit card charges in full every month, or will you carry a balance month to month? If you're going to carry a balance, you want the lowest possible interest rate as well as a low introductory rate. But if you'll payoff balances in full every month, then interest rate really doesn't matter so no annual fee and/or a long grace period would be a bigger concern. If you're going to carry a balance, be concerned about how the finance charge is calculated. The most common method is the Average Daily Balance, which means that the daily balances are added together and then divided by the number of days in the billing cycle. Stay away from credit cards that compute the balance using two billing cycles, as this method costs more money in financing fees.

What Amount You'll Charge - If you're going to use the credit card for all your monthly expenses, then you need a card that has a high credit limit and a high cashback percentage.

More info about Interest Rates, Credit Limits, Incentives, Fees and Penalties

Interest Rates - The interest rate (Annual Percentage Rate) APR can either be a fixed rate or a variable rate that is tied to another financial indicator, most commonly the prime rate. With a fixed rate credit card you know what the interest rate will be every month, whereas a card with a variable rate can fluctuate. Of course, even the interest of a fixed rate card can change based on certain events, such as paying your credit card bill late, exceeding your limit, or simply because the credit card issuer decides to change it after providing you ample advance notice.

Credit Limit - This is the amount of money the credit card company will let you charge to the card. This amount varies depending upon the card offer and your credit history. Be sure to get a credit card with an ample limit, because getting close to your max can hurt your credit score. Just remember that you don't have to max out your limit just because it's available.

Incentives - To compete for and to gain customers, many credit card companies offer rewards. Even if you normally use cash, why not use your credit card and then use the cash to make the payment during the grace period? You still won't pay interest and meanwhile you'll rack-up rewards. A credit card with 5% cashback will earn you $5 for every $100 charged. If your total bills come to $2,000 per month, you'll earn a free $100 every month. Look for a rewards program that you'll use and which offers flexibility, such as cashback or travel.

Fees and Penalties - Compare common charges such as late fees, overlimit fees, balance transfers, cash advances, and for making payments by telephone. Regarding balance transfers, look for credit card offers with no transaction fees and zero percent interest for at least 12 months.

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Chase Continues Disney Credit Card

By Credit Federal | Published 05/28/2008

As the summer travel and entertainment season kicks off, Chase Card Services and Disney agree to continue the Disney credit card.

Browse Chase Card Offers - Click Here

Disney Credit Card Services, Inc. and Chase Card Services will continue their credit card partnership, renewing the cobrand agreement for the Disney Rewards Visa Card from Chase.

With over 2 million Cardmembers, the Disney Rewards Visa Card is one of the fastest growing rewards cards for families. In addition to receiving Disney Rewards on everyday card purchases, Cardmembers receive special savings and benefits, making the Disney Rewards Visa Card the all access pass to Disney.

"With rewards redeemable for most everything Disney, magical card designs and benefits like a Cardmember exclusive Character Meet 'N' Greet at Walt Disney World Resort and Disneyland Resort, the Disney Rewards Visa Card from Chase is a great way for cardmembers to take advantage of experiences that only Disney can deliver," said Disney's Senior Vice President Jenny Cohen. "Disney is thrilled to continue the tradition of rewards magic with Chase."

This year marks the fifth anniversary that Chase and Disney have offered consumers the Disney Rewards Visa Card. The renewed, multi year agreement will bring new offerings from Chase.

"Chase is pleased to renew our relationship with Disney, whose reputation for customer service and creativity is unparalleled," said Sisy Vicente, General Manager, Chase Card Services. "The Disney Rewards Visa Card from Chase will continue to offer cardmembers competitive interest rates and superior benefits, while also providing the unique rewards and experiences Disney Cardmembers desire."

The Disney Rewards Visa Card provides unparalleled flexibility with global Visa acceptance, no annual fee, and countless "Disney" opportunities to redeem rewards. Cardmembers earn Disney Dream Reward Dollars on everyday card purchases, which can be redeemed for most everything Disney; from Resort stays and Theme Park tickets to Disney DVDs, toys and movie tickets at participating theaters. Cardmembers can begin redeeming with just 20 Disney Dream Reward Dollars, a low threshold compared to other rewards cards, and can combine Disney Rewards with other special Disney offers and discounts.

Additionally, the Disney Rewards Visa Card from Chase offers the following features:

No annual rewards cap, no annual fee and a competitive interest rate
Seven enchanting card designs
Special Theme Park benefits at both the Disneyland Resort and the Walt Disney World Resort
Special financing on select Walt Disney Travel Company vacation packages and all Disney Cruise Line and
Adventures by Disney vacations booked directly with Disney or a travel agent

The Disney Rewards Visa Card also offers cardmembers purchase protection, travel insurance, and zero liability on fraudulent card use.

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Chase Continues Disney Credit Card - by <a href=http://creditfederal.com>CreditFederal.com</a> As the summer travel and entertainment season kicks off, Chase Card Services and Disney agree to continue the Disney credit card. <a style="font-weight: bold;" href="http://creditfederal.com/chase-credit-card.html">Browse Chase Card Offers - Click Here</a> Disney Credit Card Services, Inc. and Chase Card Services will continue their credit card partnership, renewing the cobrand agreement for the Disney Rewards<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> Visa<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> Card from Chase. With over 2 million Cardmembers, the Disney Rewards Visa Card is one of the fastest growing rewards cards for families. In addition to receiving Disney Rewards on everyday card purchases, Cardmembers receive special savings and benefits, making the Disney Rewards Visa Card the all access pass to Disney. "With rewards redeemable for most everything Disney, magical card designs and benefits like a Cardmember exclusive Character Meet 'N' Greet at Walt Disney World<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> Resort and Disneyland<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> Resort, the Disney Rewards Visa Card from Chase is a great way for cardmembers to take advantage of experiences that only Disney can deliver," said Disney's Senior Vice President Jenny Cohen. "Disney is thrilled to continue the tradition of rewards magic with Chase." This year marks the fifth anniversary that Chase and Disney have offered consumers the Disney Rewards Visa Card. The renewed, multi year agreement will bring new offerings from Chase. "Chase is pleased to renew our relationship with Disney, whose reputation for customer service and creativity is unparalleled," said Sisy Vicente, General Manager, Chase Card Services. "The Disney Rewards Visa Card from Chase will continue to offer cardmembers competitive interest rates and superior benefits, while also providing the unique rewards and experiences Disney Cardmembers desire." The Disney Rewards Visa Card provides unparalleled flexibility with global Visa acceptance, no annual fee, and countless "Disney" opportunities to redeem rewards. Cardmembers earn Disney Dream Reward Dollars<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> on everyday card purchases, which can be redeemed for most everything Disney; from Resort stays and Theme Park tickets to Disney DVDs, toys and movie tickets at participating theaters. Cardmembers can begin redeeming with just 20 Disney Dream Reward Dollars, a low threshold compared to other rewards cards, and can combine Disney Rewards with other special Disney offers and discounts. Additionally, the Disney Rewards Visa Card from Chase offers the following features:<ul><li>No annual rewards cap, no annual fee and a competitive interest rate</li><li>Seven enchanting card designs</li><li>Special Theme Park benefits at both the Disneyland<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> Resort and the Walt Disney World<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> Resort</li><li>Special financing on select Walt Disney Travel Company vacation packages and all Disney Cruise Line<img src="http://creditfederal.com/reg.jpg" border="0" height="10" width="10"> and</li><li>Adventures by Disney vacations booked directly with Disney or a travel agent</li></ul> The Disney Rewards Visa Card also offers cardmembers purchase protection, travel insurance, and zero liability on fraudulent card use. This article provided courtesy of <a href=http://creditfederal.com target=_new>www.CreditFederal.com</a>, a personal credit resource of good or bad credit credit cards and loans.

Credit Tip: Need a high limit for Christmas credit card charges? If you have bad credit, consider a personal loan by refinancing your mortgage. Even if you have cash to buy Christmas presents, we recommend using a prepaid card to make purchases because it's safer than carrying cash.