Chase Credit Card — Built for Everyday Spending and Bigger Goals

A clearer way to manage everyday expenses.

Managing your money shouldn’t be complicated. The Chase Credit Card is designed to offer straightforward credit with transparent terms and practical features that reflect how people actually use credit in everyday life. From online shopping to monthly bills, this card equips you with the essentials — clear costs, simple controls and the ability to build stronger financial habits over time.

With no distracting rewards programmes and an emphasis on simplicity, the Chase Credit Card focuses on reliability and control. It is ideal for anyone who wants a credit card that supports everyday spending while helping to reinforce good financial discipline.

Key Benefits and Features

Transparent, Easy-to-Understand Terms

One of the core strengths of the Chase Credit Card is its clear pricing and straightforward terms. You won’t need to decode complicated offers or hidden fees — everything is laid out so you know exactly how the card works and what to expect.

No Annual Fee (Subject to Offer)

Depending on the current offer available when you apply, the Chase Credit Card may come with no annual fee, making it an affordable option for everyday use. This helps remove a common barrier that can make other cards less appealing for regular spending.

Mobile-First Account Management

Manage your card with ease through Chase’s online banking and mobile app. You can check your balance, make payments, set up alerts and track your activity — all from your phone or browser in a matter of seconds.

Reliable Support and Security

Chase offers robust security features and customer support, giving you peace of mind whether you’re shopping online or in person. Fraud monitoring and safe usage alerts help you protect your account from unauthorised activity.

Improve Your Credit History

Used responsibly, the Chase Credit Card can help build or strengthen your credit record. Paying your balance on time and staying within your limit shows lenders that you manage credit well — which can improve your credit profile over the long term.

Fees and Charges

Fee / Charge	Details
Representative APR (variable)	Competitive variable rate
Annual Fee	None (subject to promotional offer)
Cash Withdrawal Fee	Charges apply when using cash services
Foreign Transaction Fee	Foreign spending may incur additional costs
Late Payment Fee	Charges for missed or late payments may apply
Minimum Payment	Calculated monthly based on balance and terms

Understanding these costs helps you manage your card responsibly. Paying off your balance each month avoids interest charges and keeps your credit profile in good shape.

How It Compares to Other Cards

When compared with other UK credit cards, the Chase Credit Card is positioned as a simple, everyday choice rather than a rewards-heavy or premium travel option.

• Rewards Cards: Many cards offer points or cashback, but these often come with fees or eligibility conditions that make them less accessible.
• Premium Cards: High-end cards focus on travel perks and luxury benefits, which may be unnecessary for everyday spenders.
• Credit-Builder Cards: Some cards focus primarily on credit improvement, but may lack the everyday usability that the Chase Credit Card offers.

In contrast, the Chase Credit Card provides a balanced option: practical, accessible and focused on clear terms.

Eligibility and How to Apply

To be eligible for the Chase Credit Card, applicants usually must:

• Be 18 years or older
• Be a UK resident with a permanent address
• Hold a UK bank account
• Be able to demonstrate a stable financial position

Applications are completed online and typically take only a few minutes. Chase will review your details and provide a decision, helping you understand your options without unnecessary delay.

Frequently Asked Questions

1. Is there an annual fee on the Chase Credit Card?
In many cases, the Chase Credit Card comes with no annual fee, depending on the current offer when you apply.

2. Can this card help improve my credit score?
Yes — responsible use and on-time payments contribute positively to your credit history.

3. Does the card offer rewards or points?
No. This card does not focus on rewards programmes; instead, it prioritises simplicity and transparency.

4. Can I use this card abroad?
Yes — the card can be used internationally, though standard foreign transaction fees may apply.

5. What happens if I miss a payment?
Missing a payment may result in late charges and could negatively affect your credit profile, so it’s important to pay by the due date.

Conclusion

The Chase Credit Card is a practical, no-nonsense option that fits everyday financial needs. With clear terms, flexible management tools and a focus on transparency, it helps you spend confidently and build better credit habits without the complications of rewards programmes or premium fees.

If you’re looking for a straightforward credit card that supports responsible spending and financial clarity, the Chase Credit Card could be a smart choice. Learn more about its benefits and how to apply on the next page.