Keep things simple and efficient with this card, which has no late fees, no penalty rate and no annual fee. You will also be paying 0% Intro APR for 21 months (from date of first transfer) on balance transfers, and 0% Intro APR for 12 months (from the date you open your account) on purchases. There is a small introductory balance transfer fee of $5 or 3% of the amount of the transfer (whichever is greater), for balance transfers completed within your first 4 months.

One standout benefit of this card is the potential to raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months. You can also monitor your own credit score with Chase Credit Journey. At the same time, you can lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.

• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.