If you find it difficult to keep track of payments and occasionally find yourself spending money on interest payments that could have been avoided, then the Blueprint suite of personalized plans from Chase might be just what you need.

If you want to pay off a balance, avoid paying unnecessary interest or pay off a large purchase over time at minimal expense. All Blueprint features come with certain Chase credit cards at no extra cost. Here I'll break down the basic features of Blueprint to help you decide if this is the solution for you.

Split. If you're going to make a big ticket purchase and pay it off over time, this tool can make it easier by breaking the full charge into payments spanning the number of billing cycles you specify. It also helps you understand exactly how much interest you will pay on the loan depending on the amount of time you choose to repay it.

Full Pay is a free Blueprint service that helps you avoid paying interest on purchases that you make regularly, such as gas or groceries. You can choose categories to add when you set up Full Pay, and total purchases made in those categories will be added separately to your monthly statement to make it easy for you to pay at least those purchases in full by the due date.

Track It. Personally I enjoy this feature, as I like setting goals for myself. Track It lets you set specific goals for your spending. For example, you may want to keep your restaurant spending to $150 a month to stay in line with your budget. If you spend more or less than your stated goal, this will show clearly on your statement. But the most useful feature of Track It is the ability to get a quick and clear overview of spending in the categories you choose to monitor.

Finish It. This set of balance repayment plans lets you choose how much you want to repay each billing cycle, and how quickly you would like to pay off your balance. For example, if you have a $2,000 balance and you choose to pay it off over 12 months, your monthly Finish It payment will be $181.74. This will be added to your monthly bill. The Finish It calculator makes it easy for you to find the cheapest way to repay your balance. If you do carry a balance then I highly recommend you get a Chase credit card that offers a low introductory APR for balance transfers.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

17.24%-25.99% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good