Reward Credit Card Programs Featuring Slate(SM) from Chase

We have listed the best reward credit cards available from approved providers. Here you can browse the details of the chosen card and decide wether you are interested in applying for the credit card. A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it's wise to compare terms and fees before you agree to open a credit or charge card account.

Slate(SM) from Chase

Issuer: Chase Manhattan Bank

RATE, FEE AND OTHER COST INFORMATION

Annual Percentage Rate (APR) for purchases

Elite and Premium Pricing:^a A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, 13.24% variable^b for Elite Pricing, or 17.24% variable for Premium Pricing. Standard Pricing: From account opening, 22.24% variable.

Other APRs

Balance Transfer APR: Elite and Premium Pricing: A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, 13.24% variable for Elite Pricing, or 17.24% variable for Premium Pricing. Standard Pricing: A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that, 22.24% variable.

Cash Advance APR: Elite and Premium Pricing: 19.24% variable. Standard Pricing: 23.24% variable.

Default APR: Up to 29.99% variable. See explanation below.^c

Overdraft Advance APR: Elite and Premium Pricing: 19.24% variable. Standard Pricing: 23.24% variable. (not available in some states)

Variable rate information

The following APRs may vary monthly based on the Prime Rate:^d

Purchase APR: Elite and Premium Pricing: The Prime Rate plus 9.99% for Elite Pricing, or plus 13.99% for Premium Pricing for outstanding and new balances after the introductory period. Standard Pricing: The Prime Rate plus 18.99%.

Balance Transfer APR: Elite and Premium Pricing: The Prime Rate plus 9.99% for Elite Pricing, or plus 13.99% for Premium Pricing for outstanding and new balances after the introductory period. Standard Pricing: The Prime Rate plus 18.99% for outstanding and new balances after the introductory period.

Cash Advance APR: Elite and Premium Pricing: The Prime Rate plus 15.99%. Standard Pricing: The Prime Rate plus 19.99%.

Default APR: The Prime Rate plus up to 26.99%, but not more than 29.99%.

Overdraft Advance APR: Elite and Premium Pricing: The Prime Rate plus 15.99%. Standard Pricing: The Prime Rate plus 19.99%.

Grace period for repayment of purchase balances

At least 20 days.

Method of computing the balance for purchases

Average daily balance method (including new purchases).

Annual fee

None

Minimum finance charge

$1.50

Transaction fee for balance transfers

3% of the amount of each transaction, but not less than $5.00.

Transaction fees for cash advances

3% of the amount of the transaction, but not less than $10.00.

Late Payment fee

$15.00 on balances up to, but not including, $100.00; $29.00 on balances of $100.00 up to, but not including, $250.00; and $39.00 on balances of $250.00 and over.

Over-the-Credit-Limit fee

$39.00

International Transaction fee

3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.

^aWe will first consider you for the pricing above with the lowest rates. We reserve the right, based upon our review of your credit history and information furnished by you, to open an account with alternative pricing as stated above, or not to open an account at all.

^bRates, fees, and terms may change: We reserve the right to change the account terms (including the APRs) at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account. The APRs for this offer are not guaranteed; APRs may change to higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. Any changes will be in accordance with your Cardmember Agreement.

^cYour APRs may increase if you default on this account for any of the following reasons: We do not receive at least the minimum payment due by the date and time due; you exceed your credit line, if applicable; or you make a payment to us that is not honored by your bank. We may consider the following factors to determine the default rate: the length of time your account has been open; the existence, seriousness and timing of defaults; other indications of your account usage and performance; and information about your other relationships with us, any of our related companies or from consumer credit reports.

^dThe "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Variable APRs are based on the 3.25% prime rate on 12/22/2008.

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Reward credit cards, or loyalty cards, operate in a similar way to charity cards except that the main recipient of any benefits is the credit cardholder. Incentives may include cash bonuses, points, discounts and Air Miles. With this type of credit card it is important that you think logically about the rewards being offered, and work out exactly how much you will need to spend on your credit card in order to reap the benefits.