- www.creditcardcredit.net - The Chase Reward Credit Card has a reasonable interest rate an attractive 0 introductory rate for up to 12 months on purchases and balance transfers, and no annual fee. Cardholders earn one point for every dollar spent on purchases. Points may be redeemed for cash back, merchandise, travel, and gift cards. Points expire in five years, and there is a maximum of 60,000 points that may be earned per year.