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 18.49% to 27.99% variable APR (Pricing & Terms accurate as of 9/22/2026; Prime + 11.49% to 20.99%) after a 0% intro APR on purchases and balance transfers for the first 15 months that the account is open introductory rate for 15 months. Approval typically requires a credit score of 670-850 recommended (Bankrate) or higher. Signup bonus: $250 bonus after you spend $500 on purchases in the first 3 months from account opening (limited-time offer). Rewards: 5% cash back on up to $1,500 in rotating categories each quarter you activate; 5% on travel purchased through Chase Travel; 3% on dining including takeout and drugstores; 1% on all other purchases. Cash back: Earn 5% cash back on quarterly bonus categories (spend limits apply, must activate quarterly). Loan terms: Revolving personal credit card; due date at least 21 days after each billing cycle closes; Chase Pay Over Time plans available (fixed monthly fee instead of interest). 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.. Flexible cash-back + 0% APR card—strategic for leveraging rotating bonus categories while avoiding interest. Chase Slate Edge. BT Fee: Standard ~3% (per terms). Post-intro APR: 18.99%–28.49% variable Bureau pull varies by state (see details).