Features Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months No foreign transaction fee No annual fee