A Good Look At The Southwest Airlines Rapid Rewards Card From Chase

Considered one of the top airline rewards credit cards available, card owners can earn Rapid Rewards Dollars on every purchase, Southwest Airlines Rapid Rewards Credit Card owners can really reap the benefits of this account in no time. In fact, it doesn't take very long at all to have complete round trips booked for FREE when you use this travel rewards credit card from Chase.

Take Off Shortly with The Rapid Rewards Card

The problem with a lot of Airline Miles cards is that it usually takes a little while before you are able to reap any benefit from it. This is not the case with this credit card. New card owners will receive a 16 Rapid Rewards Credit bonus just for using your card for the first time, which is equivalent to one FREE round-trip flight to any Southwest destination. Earn airline rewards for up to an average of 20% faster than most cards with the Rapid Rewards Card.

In addition to earning your new account bonus, there are a number of other ways to accrue Rapids Rewards Dollars with this account. It will take you 16 Rewards Credits to earn a free round-trip flight to any Southwest Destination, and 1 Rewards Credit is the equivalent of $1200 Rapid Rewards Dollars. As stated before, there are a number of ways to earn Rewards Dollar quickly, some of which are as follows:

1. Earn 1 Rewards Dollar for every real $1 spent on all your day to day transactions

2. Earn Double (2x) Rewards Dollars for every $1 spent on Southwest Airlines tickets, in-flight purchases, Southwest Airlines Gift Cards, and even Southwest Vacation Packages

3. Earn Double (2x) Rewards when you use your Card from Chase at any partnered hotel chain and car rental company

Within the first ninety days of owning a Southwest Airlines Rewards Credit Card, you will earn 1 Rapid Rewards Credit for every $1,200 you make in balance transfers towards your new account. You can earn rewards points for up to a total of $9,600, which is the equivalent of 8 Credits. Card owners will also earn 2,400 Rewards Dollars, which is equal to 2 Rewards Credits when you reach your 12-month anniversary of account ownership.

Other Important Card Information (In not so fine print):

This credit card carries a Variable APR based on the prime rate, as of December 20, 2010 it is at 14.24%. The same rate applies to balance transfers. The Variable APR for cash advances is currently sitting at 19.24%. A balance transfer of either $5 or 3% of the total amount of the transfer, whichever is higher. The Southwest Airlines Visa Signature Card from Chase also has a cash advance fee of $10, or 3% of the total transaction amount, whichever is higher. Remember that no matter what credit card you are using, it is always best to completely pay off your statement balance at the end of every cycle whenever possible.

Some applicants of the Southwest Airlines RR Chase Card may receive a Visa Classic Card, as opposed to the Visa Signature Card. If this is the case for you, then you should definitely take note of the difference in account benefits and fees. This card does require an annual membership fee of $59 for Signature Card owners, and a $39 annual fee for Classic Card Members. If traveling abroad you will be able to use your Southwest Airlines Rapid Rewards Card, but you will be charged a 3% foreign transaction fee. Some additional fees that apply to the Southwest Airlines Chase Visa are the $35 over-lmiit fee, a $35 returned check or payment fee, and a $35 late payment fee.

All in all, this Chase Air Miles Card is one that allows you to reap the benefits much quicker and more often than others. If you are looking to get places fast and with no hassle, take a good look at the Southwest Airlines Rapid Rewards Credit Card.

Considered one of the top airline rewards credit cards available, card owners can earn Rapid Rewards Dollars on every purchase, Southwest Airlines Rapid Rewards Credit Card owners can really reap the benefits of this account in no time. In fact, it doesn't take very long at all to have complete round trips booked for FREE when you use this travel rewards credit card from Chase.

Take Off Shortly with The Rapid Rewards Card

The problem with a lot of Airline Miles cards is that it usually takes a little while before you are able to reap any benefit from it. This is not the case with this credit card. New card owners will receive a 16 Rapid Rewards Credit bonus just for using your card for the first time, which is equivalent to one FREE round-trip flight to any Southwest destination. Earn airline rewards for up to an average of 20% faster than most cards with the Rapid Rewards Card.

In addition to earning your new account bonus, there are a number of other ways to accrue Rapids Rewards Dollars with this account. It will take you 16 Rewards Credits to earn a free round-trip flight to any Southwest Destination, and 1 Rewards Credit is the equivalent of $1200 Rapid Rewards Dollars. As stated before, there are a number of ways to earn Rewards Dollar quickly, some of which are as follows:

1. Earn 1 Rewards Dollar for every real $1 spent on all your day to day transactions

2. Earn Double (2x) Rewards Dollars for every $1 spent on Southwest Airlines tickets, in-flight purchases, Southwest Airlines Gift Cards, and even Southwest Vacation Packages

3. Earn Double (2x) Rewards when you use your Card from Chase at any partnered hotel chain and car rental company

Within the first ninety days of owning a Southwest Airlines Rewards Credit Card, you will earn 1 Rapid Rewards Credit for every $1,200 you make in balance transfers towards your new account. You can earn rewards points for up to a total of $9,600, which is the equivalent of 8 Credits. Card owners will also earn 2,400 Rewards Dollars, which is equal to 2 Rewards Credits when you reach your 12-month anniversary of account ownership.

Other Important Card Information (In not so fine print):

This credit card carries a Variable APR based on the prime rate, as of December 20, 2010 it is at 14.24%. The same rate applies to balance transfers. The Variable APR for cash advances is currently sitting at 19.24%. A balance transfer of either $5 or 3% of the total amount of the transfer, whichever is higher. The Southwest Airlines Visa Signature Card from Chase also has a cash advance fee of $10, or 3% of the total transaction amount, whichever is higher. Remember that no matter what credit card you are using, it is always best to completely pay off your statement balance at the end of every cycle whenever possible.

Some applicants of the Southwest Airlines RR Chase Card may receive a Visa Classic Card, as opposed to the Visa Signature Card. If this is the case for you, then you should definitely take note of the difference in account benefits and fees. This card does require an annual membership fee of $59 for Signature Card owners, and a $39 annual fee for Classic Card Members. If traveling abroad you will be able to use your Southwest Airlines Rapid Rewards Card, but you will be charged a 3% foreign transaction fee. Some additional fees that apply to the Southwest Airlines Chase Visa are the $35 over-lmiit fee, a $35 returned check or payment fee, and a $35 late payment fee.

All in all, this Chase Air Miles Card is one that allows you to reap the benefits much quicker and more often than others. If you are looking to get places fast and with no hassle, take a good look at the Southwest Airlines Rapid Rewards Credit Card.

A Few Things You Should Never Charge On A Credit Card

According to the experts, there are quite a few things that you should not charge on your credit card unless you will have the cash at the end of the month to pay the balance in full. However, if you are like most of us, you probably do not have enough money in your bank account these days to making certain purchases using plastic. Those who have the cash in the bank can certainly take advantage of some rewards savings by using their card to make the purchase, but for most of us certain types of purchases are not worth putting on your credit card.

One of the last things that you ever want to charge is going to be the IRS. If you have a very large tax bill that you need to pay the experts say that you should not put this on your card. Those who charge a large tax bill to their credit card will more than likely end up with a large bill to pay. Essentially, this is just the same as borrowing from Peter to pay Paul. However, you will have to also more than likely pay some additional fees that could end up tacking on 2% or more to your bill. The best thing to do in this case is to set up a payment plan with the IRS. That is correct. You can set up monthly payments. All you need to do is pick up the phone and make the arrangements or even head down to your local IRS office and explain to them your situation. 99% of the time, they will work with you to settle your Credit7 on a payment plan.

Another thing that you should never purchase with is going to be clothing. Clothing is an item that you should save up for in order to purchase. Clothes will immediately loose their value the second that you walk away from the store and wear them. If in a month or so you find your self without income to pay your credit card bill you will not be able to liquidate clothing items at full price. You will more than likely not be able to pay your balance in that situation because it will be very difficult or next to impossible to get back the full value on your clothes once you have removed the tags and worn them. You are much better off putting these types of items on lay away instead of giving in too a whim.

Restaurants and bars should be payed cash unless you plan to pay your credit card bill in full at the end of the month. It is not very wise to use your credit card to take out that special date for the first time to a fancy restaurant and then clubbing if you can not afford it. Food and drinks are immediately consumed and there is no chance that you will ever get your money back if you go blow a big chunk at a restaurant or bar for a night out that you can not afford. Again, it is much better to pay the date with cash. If the only way you can afford to take out this person to a five star restaurant is by using your credit card than settle for something more affordable. After all, on a date, it is the company that matters and not the place.

The experts also agree that you should never charge your college tuition using your credit card either. Most colleges have very high tuition rates that can get a person in trouble if they really can not afford it. Unless you are able to pay it off within the next few months or so than it is definitely not worth charging your college tuition to your card. Look for alternative ways to pay your schooling such as scholarships or even college grants. You may also look for a low interest rate Counseling4 loan or even ask for donations from relatives. Be creative in ways to find financing for your tuition, however, you are better off if you do not use credit unless you know you can pay it quickly.

Its also a bad idea to use your credit card for something like plastic surgery. Botox injections, breast implants, laser liposuction surgery as well as host of other cosmetic procedures are probably not worth your while to charge using your plastic card. These types of medical procedures can be very costly and are not life or death threatening matters. Again, if you loose your job 3 months from now or some other emergency creeps up a $5000 plastic surgery makeover will become hard to pay. Again these types of purchases are better of made using cash unless you plan to pay your credit card balance in full at the end of the month. Otherwise, you will be stuck with impossible to recoup expenditures. Use you common sense before you go swipe a credit card at some makeover clinic.

Again, the list of things that you should not charge can go on for very long. All you need to do is apply some common sense before you swipe. Items that you can not immediately liquidate for 90% of its value back will not be worth your risking the purchase on a charge card. Unless you have plenty of cash to pay your balance off at the end of the month it always best to pay using cash, check or debit card. Use your credit card sparingly for emergencies only and you will have good credit the rest of your life.

According to the experts, there are quite a few things that you should not charge on your credit card unless you will have the cash at the end of the month to pay the balance in full. However, if you are like most of us, you probably do not have enough money in your bank account these days to making certain purchases using plastic. Those who have the cash in the bank can certainly take advantage of some rewards savings by using their card to make the purchase, but for most of us certain types of purchases are not worth putting on your credit card.

One of the last things that you ever want to charge is going to be the IRS. If you have a very large tax bill that you need to pay the experts say that you should not put this on your card. Those who charge a large tax bill to their credit card will more than likely end up with a large bill to pay. Essentially, this is just the same as borrowing from Peter to pay Paul. However, you will have to also more than likely pay some additional fees that could end up tacking on 2% or more to your bill. The best thing to do in this case is to set up a payment plan with the IRS. That is correct. You can set up monthly payments. All you need to do is pick up the phone and make the arrangements or even head down to your local IRS office and explain to them your situation. 99% of the time, they will work with you to settle your Credit7 on a payment plan.

Another thing that you should never purchase with is going to be clothing. Clothing is an item that you should save up for in order to purchase. Clothes will immediately loose their value the second that you walk away from the store and wear them. If in a month or so you find your self without income to pay your credit card bill you will not be able to liquidate clothing items at full price. You will more than likely not be able to pay your balance in that situation because it will be very difficult or next to impossible to get back the full value on your clothes once you have removed the tags and worn them. You are much better off putting these types of items on lay away instead of giving in too a whim.

Restaurants and bars should be payed cash unless you plan to pay your credit card bill in full at the end of the month. It is not very wise to use your credit card to take out that special date for the first time to a fancy restaurant and then clubbing if you can not afford it. Food and drinks are immediately consumed and there is no chance that you will ever get your money back if you go blow a big chunk at a restaurant or bar for a night out that you can not afford. Again, it is much better to pay the date with cash. If the only way you can afford to take out this person to a five star restaurant is by using your credit card than settle for something more affordable. After all, on a date, it is the company that matters and not the place.

The experts also agree that you should never charge your college tuition using your credit card either. Most colleges have very high tuition rates that can get a person in trouble if they really can not afford it. Unless you are able to pay it off within the next few months or so than it is definitely not worth charging your college tuition to your card. Look for alternative ways to pay your schooling such as scholarships or even college grants. You may also look for a low interest rate Counseling4 loan or even ask for donations from relatives. Be creative in ways to find financing for your tuition, however, you are better off if you do not use credit unless you know you can pay it quickly.

Its also a bad idea to use your credit card for something like plastic surgery. Botox injections, breast implants, laser liposuction surgery as well as host of other cosmetic procedures are probably not worth your while to charge using your plastic card. These types of medical procedures can be very costly and are not life or death threatening matters. Again, if you loose your job 3 months from now or some other emergency creeps up a $5000 plastic surgery makeover will become hard to pay. Again these types of purchases are better of made using cash unless you plan to pay your credit card balance in full at the end of the month. Otherwise, you will be stuck with impossible to recoup expenditures. Use you common sense before you go swipe a credit card at some makeover clinic.

Again, the list of things that you should not charge can go on for very long. All you need to do is apply some common sense before you swipe. Items that you can not immediately liquidate for 90% of its value back will not be worth your risking the purchase on a charge card. Unless you have plenty of cash to pay your balance off at the end of the month it always best to pay using cash, check or debit card. Use your credit card sparingly for emergencies only and you will have good credit the rest of your life.