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5% cash back

No Annual Fee (1)

$50 Cash back after your first purchase(2)

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$50 Cash Back(2): Get started with $50 cash back after your first purchase.
5% cash back(3,4): Earn 5% cash back on up to $1,500 spent in bonus categories each quarter. You'll enjoy new categories every 3 months like gas, groceries, dining, even home improvement. It's free and easy to activate your bonus each quarter! See 2011 Calendar.

Plus, earn 1% cash back on everything else you buy without limits on what you can earn.
Up to 10% Cash Back: Up to an additional 10% cash back when you shop online at select merchants through Chase.

GREAT INTRODUCTORY RATE¹
0% Intro APR for 12 months on balance transfers made during the first 30 days your account is open.
AND
0% Intro APR for 6 months on purchases.

After each intro period, a variable APR of 11.99% - 22.99%.

The balance transfer fee is 3% of the amount transferred with a minimum of $5.

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¹ 0% Introductory Rate / No Annual Fee: Please see Pricing & Terms for complete details about rates, fees and other costs.
² $50 Cash Back: Rewards will be earned as points, which can be redeemed for cash back. 1% cash back equals 1 point. If you choose to redeem for cash back, 1 point equals $0.01 cash back. For example, 2,000 points can be redeemed for a $20 check. You will receive 5,000 bonus points with this bonus offer, which can be redeemed for a $50 check. You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.
³ 5% Cash Back: You earn 1% on all purchases and 4% more in bonus categories for a total of 5%. 4% bonus earn is subject to a quarterly maximum. You will be eligible for quarterly bonuses as long as (i) your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations at the time accounts are selected for the promotional offers, and (ii) your statements are sent to a US address. Quarterly enrollment required.
⁴ 1% Cash Back: You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. Bonus/Promotional offers may have a maximum accumulation. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.

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