When it comes to branch accessibility, the bank is limited in its reach. 5% cash backin rotating categories, up to $1,500 in spending each quarter, then 1% 3. In this case, you are eligible for the bonus on the new version even if you still have the old version. And no annual fee credit cards are no exception. $200 bonus for spen… The Chase Freedom® is no longer taking applications, but existing cardholders can continue to use it. Whether you choose to work with a financial advisor and develop a financial strategy or invest online, J.P. Morgan offers insights, expertise and tools to help you reach your goals. » MORE: How does the Chase Freedom Flex℠ stack up with competitors? Flexible payment options. Interest rate: 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.99% - 23.74% Variable APR. That … Consolidate your organization's spend with a single card program for all expenses. Corporate Card. strikes a powerful and unique pose. See our Chase Total Checking® offer for new customers. Choose from our Chase credit cards to help you buy what you need. 5% back on travel booked through Chase Ultimate Rewards®. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Indeed, there’s a very clear winner for the best no annual fee credit card. is even more straightforward. Among cash-back consumer cards, the Capital One Savor and the Chase Freedom Unlimited or Chase Freedom Flex are the top options from each issuer. It offers triple points on travel and dining purchases, a $300 annual travel credit, airport lounge access through Priority Pass, excellent travel coverage, and additional benefits that can save you money every time you travel. Activation of bonus categories is required. https://thepointsguy.com/guide/capital-one-venture-vs-chase-sapphire-preferred Other fees may apply. 5% cash back in quarterly bonus categories on up to $1,500 in combined spending each quarter. With prequalified offers, you can know ahead of time if Chase is likely to accept your application. However, this does not influence our evaluations. Supports retail and restaurants-terminals include tip adjustment and reporting. — features the best of both worlds: fixed bonus categories that range as high as 5% back, on top of 5% bonus categories that change each quarter. Nerdy tip: Through March 31, 2022, both the Freedom Flex and Freedom Unlimited will earn 5% back on qualifying Lyft services purchased through the Lyft app. Yes. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Chase Freedom Flex Review: Multiple Bonus Rewards Wrapped in One Card, Many or all of the products featured here are from our partners who compensate us. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. Through March 31, 2022, both the Freedom Flex and Freedom Unlimited will earn 5% back on qualifying Lyft services purchased through the Lyft app. Open a savings account or open a Certificate of Deposit (see interest rates) and start saving your money. In order to make the most of the Chase Freedom Flex℠, you'll have to pay attention to bonus categories — in particular the 5% categories, which change each quarter. Featured Credit Cards (9) Opens Category Page in the same window All Credit Cards (30) Opens Category Page in the same window Cash Back Credit Cards (6) Opens Category Page in the same window Travel Credit Cards (23) … All financial products, shopping products and services are presented without warranty. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Other benefits: The Chase Freedom Flex is a World Elite Mastercard, meaning you'll get perks like: Discounts and incentives via services like Lyft, Fandango, Shoprunner, Boxed and more. Credit Card Travel Insurance for Chase, Amex and Capital One Credit Card Travel Insurance for Chase, Amex and Capital One . Both cards also come with a complimentary three-month subscription to DashPass. JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states. Chase and Capital One offer a wide range of travel credit cards that can be beneficial if you’re looking to save on your next trip. The Chase Freedom Flex℠ has rotating 5% bonus categories like the original Chase Freedom®, but it also offers permanent bonus rewards on travel booked through Chase, dining and drugstores. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. So if you like to keep things simple, it could be the better choice. Chase and Capital One compete fiercely for various credit card types. Typical Use: Business-to-business purchases and travel and entertainment expenses. We can help you find the credit card that matches your lifestyle. The Chase Sapphire Preferred card, by contrast, only offers a 2-point bonus on travel and dining purchases. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. Access to Chase’s Ultimate Rewards® site to earn more cash back, If you value simplicity, a flat-rate cash-back card may be better, Citi® Double Cash Card – 18 month BT offer, 0% intro APR on Balance Transfers for 18 months, 0% intro APR for 14 months on purchases and balance transfers, Get more smart money moves — straight to your inbox. (Just remember to activate bonus categories every quarter.). Best No Annual Fee Credit Card. , you'll have to pay attention to bonus categories — in particular the 5% categories, which change each quarter. If your refrigerator breaks, you need a new one now, even if this quarter's bonus categories are groceries and streaming services. It's not always easy to optimize a card like the Chase Freedom Flex℠. rotating BONUS CATEGORIES + fixed bonus categories, But on top of the rotating 5% categories, the, offers impressive rewards year-round in popular categories. 5% cash back on: 1.1. Read more. Capital One is a financial institution that offers competitive interest rates along with checking, savings and credit card accounts. Plus, get your free credit score! Capital One maintains a presence in only eight states, plus D.C. In terms of acceptance, it doesn't matter much if you carry a Visa or a Mastercard, but those networks do provide some different side perks. To learn more, visit the Banking Education Center. But there's a key difference. Chase Freedom Unlimited® and Capital One® Quicksilver® Cash Rewards Credit Card stand out from the cash back pack. JPMorgan Chase Bank, N.A. "Chase Private Client" is the brand name for a banking and investment product and service offering. Points on these cards can also be transferred at a 1:1 ratio to about a dozen hotel and airline loyalty programs, including United, Southwest, JetBlue, British Airways, Marriott and Hyatt. It’s never too early to begin saving. If you choose to redeem points for cash back, you'll get 1 cent apiece. Protection to reduce risk of fraud and misuse. It offers 5% cash back on two bonus categories you choose from a list of several options, on up to $2,000 in combined spending each quarter. Just because you can get more than one Chase card, that doesn’t mean that you should do that. Use the payment calculator to estimate monthly payments. is considered a cash-back card, rewards actually come in the form of Chase Ultimate Rewards® points. Enjoy new 5% categories each quarter! The annual fee on the Chase Freedom Flex℠ is $0. The table below highlights the differences between these two cards and the older, , which is no longer accepting applications and has been effectively replaced by the Chase Freedom Flex. Luckily, Chase will almost never force you to incur a hard pull whenever you transfer credit from one card to another card. But on top of the rotating 5% categories, the Chase Freedom Flex℠ offers impressive rewards year-round in popular categories. As I said above, Chase is in many ways one of the toughest issuers, so don’t necessarily expect you’ll be approved for two cards in 30 days, though you might be. Here is a list of our partners. . The bottom line: This card is lucrative and ideal for optimizers who don't mind putting in some work to keep track of its rewards structure. The Chase Freedom Flex℠ charges a 3% foreign transaction fee that will eat into your rewards. Intuitive reporting at your fingertips. card and you'll earn 3% cash back each time, plus 3% at the drugstore. It earns 2% cash back on all purchases: 1% when you buy something, plus 1% when you pay it off. If you don’t mind keeping track of rotating categories to maximize your rewards, the Chase Freedom Flex℠ is a good choice. Use your. That's still some work to remember, but not as much. We don't support this browser version anymore. It offers 5% cash back on two bonus categories you choose from a list of several options, on up to $2,000 in combined spending each quarter. Which 5% rotating bonus category card should you choose? Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Spend a good chunk of your monthly budget on dining out and delivery? Certain custody and other services are provided by JPMorgan Chase Bank, N.A. The Chase Freedom Flex℠ earns just 1% back on non-bonus-category purchases. Besides branch accessibility, the bank offers great return rates on its savings accounts. Combine that with 5% back on travel booked via Chase, 3% on dining and at drugstores, and 1% on everything else, and it's one of the most lucrative cash-back cards on the market. Keep in mind that unlike the Chase Freedom Flex℠, these other Chase cards have annual fees. Apply for auto financing for a new or used car with Chase. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The Chase Sapphire Reserve® is the best Chase card for travel rewards. . Please review its terms, privacy and security policies to see how they apply to you. You’ll need good to excellent credit to get approved for the Chase Freedom Flex℠. In terms of acceptance, it doesn't matter much if you. Disclaimer: NerdWallet strives to keep its information accurate and up to date. • 5% cash back on travel purchased through Chase Ultimate Rewards®. We're here to help you manage your money today and tomorrow. Unlike the 5% bonus categories, which are capped at $1,500 in spending per quarter, the 3% earnings on dining and drugstores are unlimited.
