Chase・Mastercard・No.004
A must-have for rotating-5%-category players, with no annual fee to hold long term.
Referral link: the site owner may earn a reward if you're approved, at no extra cost to you. Always review the current terms on the issuer's site before applying.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: chase.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for people willing to activate quarterly categories to squeeze out 5% back.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
No, there is no annual fee.
Yes, it charges a 3% foreign transaction fee.
Yes, you must activate the rotating quarterly 5% categories each quarter to earn the bonus rate.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.