JPMorgan Chase provides participating campuses access to a national higher education no-fee procurement card (P-card) program. This MasterCard product utilizes Smart Data OnLine, a web-based card management system. Each campus sets its own spending limits, controls types of purchases, and has access to electronic expense reporting. Online training, use of the web-based system, cards and numerous reports are provided free to the member campus. The program provides yearly rebates based on the aggregate spending of all participating institutions.