Well, util shouldnt affect you if you open a new line.. should decrease util really...
there is a card with no bt fees..
Chase Slate has no BT fees, but it also doesn't have rewards
If you pay your current debt with cash, rack up new debt on Chase @0% and use the 5% categories, you should make out like a bandit!!
By "Chase", you mean Chase Freedom?
Citi Simplicity is 0% for 18 months on purchases and balance transfers right not but no rewards, just depends on whats more important.