At a Glance
Rates & Fees
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See how this card fits your monthly spending
Key Features
21-month introductory APR on purchases and balance transfers
$0 annual fee
No rewards program to distract from paying down a balance
Pros & Cons
Pros
- Long introductory interest-free period
- Offer applies to both purchases and transfers
- No annual fee
Tradeoffs
- Balance transfer fee increases the payoff amount
- No purchase rewards
- The displayed score is an estimate, not a Chase cutoff
How to Apply
Check Chase's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
How It Compares
Current product highlighted| Product | Annual Fee | Purchase APR | Rewards Rate |
|---|---|---|---|
| Chase Slate® | $0 | 18.49%–28.49% | No purchase rewards |
| Citi® Diamond Preferred® Card | $0 | 16.49%–27.24% | No rewards — optimized for debt payoff |
| Wells Fargo Reflect® Card | $0 | 17.74%–28.49% | No rewards — built for intro APR financing |
| Citi Simplicity® Card | $0 | 17.49%–28.24% | No rewards — built around fee-free debt payoff |
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.