Chase Freedom(SM) Credit Card 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn Up to an additional 20% cash back at select merchants when you shop online through Chase 0% Intro APR and No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% up to 6 months on Purchases As low as 12.99% Variable $0 Yes Excellent