The WalletNoodle take
1.5% on other eligible purchases.
Everyday cash back, with extra rewards for dining and drugstores.
What stands out
- 1.5% on other eligible purchases.
- No annual fee.
- Welcome offer: $200 after $500 in purchases in the first 3 months from account opening. See who may not get it
Watch out for
- The higher travel rate requires Chase Travel. Carrying a balance can cost more than the rewards you earn.
- A $0 annual fee doesn’t mean every fee is $0. See interest and fees below.
- Some pricing is not confirmed. Check it with Chase before you decide.
How the rewards work.
- 3% on dining and drugstore purchases.
- 5% on travel purchased through Chase Travel.
- 1.5% on other eligible purchases; merchant category rules apply.
These rates apply to eligible purchases. The issuer decides which purchases count, and category rules and caps can change. Rewards are usually small next to interest. If you carry a balance, interest can cost more than you earn.
The welcome offer and its strings.
Welcome offer$200 after $500 in purchases in the first 3 months from account opening.
Who may not get it
- Not available to current cardholders or those who received this card's bonus in the past 24 months.
- Offers can differ by application channel. Confirm current terms with Chase.
Check the spending amount and time limit above. Spending more than you planned just to earn a bonus can cost more than the bonus is worth.
Interest and fees, untangled.
Regular purchase APR (variable)18.49%–27.99% variable
Intro APR offer0% for 15 months on purchases and balance transfers, then 18.49%–27.99% variable APR.
Balance-transfer feeA balance-transfer fee applies; confirm the amount with Chase.
Foreign transaction feeNot confirmed
Annual fee$0
Variable purchase APR after the introductory period; your rate depends on creditworthiness. Foreign transaction and transfer-fee amounts were not confirmed.
- APR is the yearly interest rate on a balance you don’t pay off in full. “Variable” means it can change over time.
- The range is what Chase showed when we checked on Oct 11, 2026. It is not a promise of your rate; the issuer sets that when it reviews an application.
- An intro APR is temporary. When it ends, the regular variable APR above applies to any remaining balance.