In the spirit of Ron 0% Introductory APR on balance transfers for up to 12 months* No annual fee Earn one point for every dollar you charge. Points can be redeemed for gift certificates to major retailers, merchandise from brand name manufacturers, a variety of travel options, cash rewards on purchases and more. Redemption starts as low as 1000 points. $1,000,000 Worldwide Automatic Travel Accident Insurance Purchase Assurance and Extended Warranty Protection Online Account Access Chase Bill Management Center Credit Line Increase Balance Transfer Convenience Checks