I avoid Chase cards, their business practices are questionable.(IMHO)
They had me at 4 to 5% interest, but most folks get charged much higher.
I have a Capital One Card at a fixed rate of (GASP!) 2%(Thats correct TWO)
I have not had any problems with it so far. The 2% was for balance transfers, so I have not used it other than to transfer a balance from, of course, Chase. Once I finish paying it off I will be debt free YAHOO!
If you call a credit card company and tell them you have a credit offer for balance transfers at a lower rate most will meet the rate that you were offered if you stay with them.