昨天收到Chase银行的信，说让我申请the Chase Platinum MasterCard。我刚来美国，到现在还没有申请到信用卡。银行的一个人说帮我申请一个3%cash back的卡，也不知道申请到没有。你们觉得我应该申请这个the Chase Platinum MasterCard么？实在不懂。

信上列出来的优点是：

the Chase Platinum MasterCard：

0% Introductory APR on purchases and balance transfers for up to 15 months.

Plus, a fixed APR as low as 9,99% after that

No Annual Fee

Zero liability for Unauthorized Purchases

Auto Rental Collision Damage Waiver

Free Online Account Management