This card features an attractive 0% introductory rate on balance transfers and purchases for 15 months. After the introductory period ends, there is a variable balance transfer and purchase APR of 12.99%, 17.99%, or 22.99% based on your creditworthiness. As an introductory offer, transfer your higher-rate balances during the first 60 days your account is open you will pay no balance transfer fee. After the first 60 days your account is open, the fee for future balance transfers is 3 percent of the amount transferred, with a minimum of $5. There is no annual fee. Chase also endorses a zero liability protection policy that protects the consumer of U.S. issued cards from unauthorized credit purchases made on their card. Zero liability protection does not apply to either ATM transactions or to PIN transactions not processed by Visa.*
Transfer holiday balances and save on interest. Plus, save on purchases all year.
$0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
$0 Annual Fee
Credit Card Consumer Average Ratings:
Credit Card Consumer Reviews:
jazzy ( Jan 6, 2015 at 11:01 pm)
I got this card recently and quiet happy with it. Transferring balance to this card saved me a lot of interest I had to pay otherwise. They gave me a good enough credit limit as well. Introductory 0% interest period is much longer as compared to other cards so hopefully i would be able to payoff my balance avoiding interest :)
guru of high finance ( Feb 25, 2014 at 12:58 pm)
I made the mistake of being drawn in by the transfer balance. I have since paid off my balance and do not wish to give them any more of my business. When making an electronic payment, it takes them 5-7 days to process this payment. During this time if you set the payment to execute on the due date, they assess a late fee because the payment has not gone through on the electronic side. This is the only card that does this. Need less to say they accrue most of their money from those dishonest and ill-gotten methods. In actuality the due date is not the real due date, it is 5-7 days before the due date. If this review saves one person from making the same mistake it was worth it.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.
The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.
Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.