The HESS Platinum Visa Card from Chase is designed for those with very good credit who make frequent purchases at HESS, HESS EXPRESS, and WILCO HESS stores.
cardmembers earn a 1% rebate on all general purchases, and a generous 5% rebate is earned on all HESS, HESS EXPRESS, and WILCO HESS purchases. In addition, during the first 90 days, a 10% rebate is applied to all HESS, HESS EXPRESS, and WILCO HESS purchases made with the card. Rebates are applied directly to the cardholder's account. There is no yearly limit to the amount of rebates that may be earned.
Aside from the reward program, the card provides several platinum benefits such as emergency card replacement, auto rental insurance, and up to $500,000 in travel accident insurance.
There is no annual fee, and the interest rate for purchases and balance transfers is reasonably low for a reward card (for those who qualify). In addition, there is a 0% introductory rate that applies to purchases and balance transfers for the first six months.
However, those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.
Therefore, those who qualify for the lowest rate offered, plan to pay in full after the introductory rate expires (to avoid finance charges), and will use the card frequently for HESS purchases (to earn additional rebates) will benefit most from what the HESS Platinum Visa Card from Chase has to offer.
Most Attractive Feature(s):
0% introductory rate; 10% rebate on Hess® gas purchases for the first 90 days.
Least Attractive Feature(s):
Uses "Two Cycles Average Daily Balance" method when determining finance charges.
Additional Perks
Various Internet account related services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
No liability for unauthorized transactions.
Auto rental insurance.
Up to $500,000 in travel accident insurance.
Various travel and emergency assistance services.
See website for additional benefits.
Important Notations
The APR for purchases and balance transfers varies according to the applicant's credit history and is either 5.99%, 9.99% or 14.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.
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