The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Rewards Rates
Intro Offer
Earn $200 cash back
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Introductory Purchases APR
0% Intro APR on Purchases for 15 months
Ongoing Purchases APR
18.24% - 27.74% Variable
Introductory Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Ongoing Balance Transfer APR
18.24% - 27.74% Variable
Ongoing Cash Advance APR
28.49% Variable
Ongoing Penalty APR
Up to 29.99%
Annual Fee
$0
Recommended Credit
More Details
If you’re new to points, then this is the perfect beginner card. Approval is relatively easy, and the card helps you build a relationship with Chase so you can eventually get some of the issuer’s more valuable cards, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. If you already have another Chase card that earns Ultimate rewards, you can transfer your earnings into points. (Partner offer)
Read the full reviewEarn $200 cash back
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
1.5 - 5% cash-back
$0
18.24% - 27.74% Variable
Excellent/Good