Our business

Our business

What is a credit card issuer?

A credit card issuer offers the credit line behind the credit card, pays merchants for cardholder purchases and accepts the risk if the cardholder refuses to repay an outstanding balance.

Card issuers earn income in a variety of ways. Every merchant that accepts credit cards pays a fee to the issuer, which is called interchange. Also, if cardmembers carry a balance on their card, they are charged interest on these outstanding account balances. Terms such as annual percentage rate (APR) refer to the percentage of interest a cardholder may pay if they carry a balance on their credit card.

Our business

What we do

Today's card industry is complex, but the main goal of Chase Card Services is simple: develop innovative and relevant cards that offer outstanding value remain profitable and manage risk well.

Chase Card Services’ systems process millions of transactions each day. New card features are constantly tested and detailed marketing materials are created. In addition, rigorous market research is conducted to develop products and services as well as to learn more about customers, partners and their customers.

Our business

Our products

Chase is an industry pioneer. We set trends to influence how the world makes business transactions. Our diverse array of credit cards transcends the traditional bank-to-cardholder structure and reflects our global reputation as a proven innovator.

Affinity cards

A Chase credit card containing the logo and related images of an organization is an affinity card. Our affinity relationships span membership associations, publishers, universities, cosmetic companies and sports teams. These cards generate revenue for Chase as well as the organization for which they are issued. They also give the affinity organizations a huge advantage – access to our vast customer database.

Co-brand cards

We partner with the world’s leading brands across a variety of different industries. Our partners include British Airways and AOL to name a few. These cards offer cardholders the ability to earn reward points for all their card purchases. These points can be redeemed for cash, gift certificates, airline miles, etc.

These credit cards play a key strategic role in helping the partners grow their core businesses and build the most lucrative loyalty programs possible.

Our business

Blink cards

Merchants and consumers benefit from contactless technology, called Chase "blink" cards, by increasing the speed and convenience of purchases. Since 2005, blink has transformed everyday payments for merchants and consumers by speeding up checkout times. As cardholders wave their Chase card with blink near the point-of-sale reader, the reader quickly emits a tone and lights up to signal payment confirmation. Consumers use the contactless technology in Chase cards with blink anywhere contactless payments are accepted.

Since its debut in 2005, Chase cards with blink have received recognition from leading industry organizations including Frost & Sullivan (2006 Excellence in Technologies Awards), the Internet Advertising Competition (Outstanding Microsite), the Smart Card Alliance (2005 Outstanding Smart Card Achievement Award and Financial Payments Innovation Award) and VRL Publishing/Cards International (Best New Credit Card Product Launch).

Private-label cards

Private-label cards are powerful marketing tools for retailers seeking to draw in new customers and build brand loyalty. Chase works with the partner to develop marketing campaigns, in-store promotions and other ways to generate profit. Chase offers private label cards with Circuit City, Kohls, TJX Companies Inc., and others.

Business cards

The Business Card Segment serves the rapidly growing small business market (typically companies with fewer than 20 employees and less than $10 million in revenue) by providing innovative and targeted products and services. These products are marketed under the Chase brand as well as through co-branded partners including United, General Motors, Marriott, UPS, Amazon.com, and several large financial institutions.

Our business

Your future with us

To increase our innovative reputation, Chase Card Services is busy developing new technology for safer, quicker transactions. If you join us, you’ll play a vital role helping us achieve both our short- and long-term goals, such as:

• We are aggressively targeting high potential markets and creating communications to draw new customers to our products.
• Chase Card Services continues to sign high-profile partners and service their needs at an unmatched level.
• Because risk is always a factor in the industry, we are working to find new ways to manage it effectively. And that means managing risk of customers and partners alike.