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Chase has recently added the Chase Travel Plus Platinum Visa to its large offering of rewards credit cards. This low APR, low annual fee travel rewa

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

rds credit card offers consumers the ability to choose their travel rewards without blackout dates. The question is: how does it compare to other tr

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

vel credit cards?

Travel Plus Platinum Visa Benefits: Like most travel rewards credit cards, the Travel Plus allows consumers to earn 1 mile

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

for every dollar in purchases. Points can be redeemed for a variety of travel rewards including airline tickets, hotel stays, cruises, and car renta

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

s. Additionally, you can travel domestically or internationally with no blackout dates and choose from over 250 airlines without restrictions. The T

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

avel Plus rewards program is similar to the Flexible Rewards program offered by Chase in that it gives consumers flexibility in using their rewards.

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

Travel Plus Rate Information: Unlike many travel rewards credit cards that charge exorbitant annual fees, the Travel Plus charges a reasonab

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

le $29 a year. However, this small annual fee is easily offset by the value of the 0% introductory APR on purchases and balance transfers that is in

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

effect for up to 1 year. After that, the variable interest rate is as low as Prime plus 5.99%.

Comparable Credit Cards: The Travel Plus Plat

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

num Visa is unique in that it offers flexibility with regard to how your travel rewards can be used. However, consumers that are willing to sacrific

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

flexibility may find general airline rewards credit cards to be of better value. For example, The Miles Card from Discover ® Card offers consumers

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

,000 bonus miles after their first purchase and charges no annual fee. However, rewards are limited strictly to airline travel. Similarly, the Citi

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

remierPass (SM) Card offers consumers similar benefits. With this card, you can get up to 15,000 bonus miles after your first purchase. However, an

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

nnual fee of $75 is charged. This fee can be avoided by choosing to only receive 5,000 bonus miles and a downsized reward program.

Lastly, Chase of

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

fers a number of credit cards that offer Flexible Rewards, including the Chase Platinum card and the Chase Flexible Rewards card. With these no annu

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

l fee credit cards, consumers can choose from not only a variety of travel rewards, but also, cashback, giftcards, and merchandise. For those lookin

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

to avoid the $29 annual fee, but still seeking flexibility with their credit card rewards, these Chase credit cards may provide the best overall va

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ue.

Final Words: The Chase Travel Plus Platinum Visa is among the better travel rewards cards currently on the market, and for individuals

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ooking to earn general travel rewards, it may be the best currently available. However, there are a number of other travel and general rewards credi

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

cards from Chase as well as other issuers that may be worth taking a look at. And, as I always say, read the fine print before making your decision

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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