Earn 1.5% cash back on every purchase with the new Chase Freedom Unlimited℠ Credit Card, and also receive a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. There's a 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24% applies. A balance transfer fee is 5% of the amount transferred, $5 minimum. You can redeem your bonus for cash for any amount, at any time. Cash back rewards do not expire as long as your account is open, and there is no annual fee.