HESS® Platinum Visa® Card

10% Rebate on All HESS®, HESS EXPRESS®, and WILCO HESS® Purchases for the First 90 Days Account is Open A Low 0% Introductory APR on Purchases and Balance Transfers for Up To 6 Months No Annual Fee 5% Rebate at HESS®, HESS EXPRESS®, and WILCO HESS® Everyday

Review: 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. Through the rebate program, a 1% rebate is earned on all general purchases and a generous 5% rebate is earned on all HESS®, HESS EXPRESS®, and WILCO HESS® purchases. In addition, a 10% rebate is applied to all HESS®, HESS EXPRESS®, and WILCO HESS® purchases made with the card during the first 90 days. Rebates are applied directly to the cardholder's account, and there is no yearly limit to the amount of rebates that may be earned. This card has no annual fee, and the interest rate for purchases and balance transfers is reasonable 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. This card also provides common platinum benefits such as lost and stolen card reporting, auto rental insurance, no liability for unauthorized transactions, and up to $500,000 in travel accident insurance. 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®, HESS EXPRESS®, and WILCO HESS® purchases (to earn additional rebates) will benefit most from what the HESS® Platinum Visa® Card from Chase has to offer.

Date of Review: 2006-03-23 00:00:00

Notes: 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.

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. Extended warranty for purchases. Purchase protection. Year-end financial statement (upon request). See website for additional benefits.