Credit card

APR

Annual Fee

Intro Offer

Rewards

Community Rating

Mastercard® Black Card™

APR

21.24%

Annual Fee

$495

Intro Offer

Balance Transfer APR: 0%

Rewards

Flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption
Chase Freedom Unlimited®

APR

20.49%

Annual Fee

$0

Intro Offer

1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back.

Rewards

6.5% cash back on travel purchased through Chase Ultimate Rewards®, . 4.5% cashback on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases.