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The introductory APR period — 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.99% - 24.74% Variable APR — is good in itself, but it’s even better when you don’t have to pay the upfront fee that most balance transfer cards charge, usually in the range of 3-5% of the transferred amount.

Nerd note: You cannot take advantage of the balance transfer feature if you’re trying to transfer from another Chase card.

TO APPLY: The Chase Sapphire Reserve℠ is available only by applying directly through Chase.

There are very few students in the financial position to pay for their college education out of pocket.

Nearly every college-bound student will need some form of financial aid, and most students will need to use a variety of funding sources to successfully cover the total costs of their post-secondary education.

The card also offers access to more than 900 airport lounges worldwide by giving cardholders a complimentary membership to Priority Pass Select.

Your points are worth 25% more when you redeem for travel through Chase’s booking tool.

There’s also no foreign transaction fee — always a perk for world travelers.

Chase explains it best: Earn 50K bonus points after you spend ,000 on purchases in the first 3 months from account opening.

That's 0 toward travel when you redeem through Chase Ultimate Rewards®.