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. You'll also receive a 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum. There is no annual fee.