Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases. No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn. 0% intro APR on purchases for 9 months; 15.74%-24.49% variable APR after that 0% intro APR on balance transfers for 9 months; 15.74%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months. No annual fee.No foreign transaction fees.