JPMorgan Chase Co.'s Chase Card Services this week launched ChaseBlueprint, a set of features that helps cardholders better manage their spending and payments on major Chase credit cards, including Chase Freedom, Chase Sapphire and Chase business cards. The program offers four features. The Full Pay feature enables cardholders to decide which expenses they want to pay in full each month in such categories as prescriptions, groceries and gasoline. The Split feature gives cardholders a way to pay a set amount each month on larger purchases; Finish It creates a plan for cardholders to pay down their balance; and Track enables cardholders see how they spend their money by category. Ed Kountz, senior analyst, e-business and channel strategy at Javelin Strategy & Research, says Chase's initiative "makes sense and is going to resonate" with cardholders. Javelin's own research suggests consumers are interested in not just reward points but other options, including flexible payments. "Consumers want to take control and manage their spending more efficiently," he says. More specifically, Blueprint expands on spend-tracking features, Kountz says. "Blueprint is more like a financial dashboard, turning Chase into a provider of a new set of control tools that are unique but go beyond traditional rewards," he says. The big challenge will be demonstrating these elements to customers clearly, Kountz says. "There is a lot to digest within these buckets. But the fact that Chase parses its own data to do the math will assist consumers in avoiding what could otherwise have been one of the more tedious elements such as getting the data uploaded," he says. Blueprint is the culmination of two years of planning and research on consumer borrowing, Chase says. In a statement, the issuer points to its survey of 4,026 U.S. consumers in which 74% said it is "very important" that they have complete control over managing their finances and that credit cards are an essential part of that equation.