The card earns bonus points for travel and dining-related spending, which can be redeemed for more value through Chase. It piles on the perks, too, but they come at a price. With a big sign-up ...

Earn 2 miles per dollar on purchases. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.

Always read the fine print and make sure the interest rate savings is worth the cost of the balance transfer fee. You can use a balance transfer calculator to see if you’ll come out ahead. 17. How ...