Get a $150 bonus after you spend $500 on your Chase Freedom® Card in the first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, there are new 5% categories each quarter. You'll receive 1% back on every other purchase. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. There's a 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. After that, it's either $5 or 5% of the amount of each transfer, whichever is greater. There is no annual fee.