The Chase is a personal credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Min. of (7.00+11.49) and 29.99% – Min. of (7.00+20.99) and 29.99% variable APR after a 0% intro APR for 15 months from account opening on purchases and balance transfers introductory rate for 15 months. Approval typically requires a credit score of 635 or higher. Signup bonus: $200 cash back (20,000 points) after $500 in purchases within the first 3 months from account opening. Rewards: 5% on travel purchased through Chase Travel; 3% on dining at restaurants (including takeout and eligible delivery) and drugstores; 1.5% on all other purchases. Cash back: 1.5%-5% Cashback. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Two-in-one balance transfer and rewards card—ideal for stacking into 0% APR capital with cashback. Chase Freedom Flex. BT Fee: Typically 3% ($5 minimum); may increase after 60 days. Post-intro APR: 18.99%–28.49% variable Bureau pull varies by state (see details).