April 25, 2024

The standout perk of the card_name is its 5% money again on as much as $1,500 on mixed purchases in bonus classes every quarter you activate. It additionally earns 5% money again on journey bought by means of Chase Final Rewards, 3% on eating together with takeout and drugstore purchases, and 1% on all different purchases. It additionally has a sign-up bonus, making it a stable bank card choice for individuals who need a no-annual-fee card.

$200 bonus while you spend $500 inside three months of opening account

20.49% to 29.24% Variable


TIME’s Take


The card_name packs a thunderous punch in a small, no-annual-fee package deal. We advocate it due to its excessive money again charges on rotating bonus classes, Chase Final Rewards Journey, eating, and drugstore purchases. It isn’t good, although – overseas transaction charges and mediocre cashback charges on non-bonus class purchases maintain it again barely. Nonetheless, the card_name is a superb card for these trying to earn the very best money again charges.

Who’s the cardboard for?

The card_name is greatest for individuals who need excessive incomes charges on purchases and don’t thoughts handbook activation every quarter. The cardboard additionally works effectively for these with playing cards just like the Chase Sapphire playing cards, which permit transfers to Chase’s journey companions. This enables doubtlessly increased redemptions than the one-cent worth factors have when redeemed for money again with the Chase Freedom Flex.

This card additionally works effectively when paired with bank cards just like the card_name, which earns 1.5% on all purchases. The card_name earns 1% on purchases that don’t fall inside certainly one of its bonus 5% or 3% classes. Thus, pairing the card_name with the card_name permits doubtlessly increased factors earnings.

Rewards construction

The card_name is notable for its 5% rotating classes, nevertheless it has a number of different bonus classes, as outlined under. All different purchases earn limitless 1% money again.

Earn on as much as $1,500 in mixed purchases per 12 months in quarterly rotating classes (contains shops like fuel stations, grocery shops, and on-line purchases)

Journey bought by means of Chase Final Rewards

Earn on Lyft rides by means of 3/2025

Eating at eating places, together with takeout and supply

The Nice Print

Rates of interest

  • Common APR: reg_apr,reg_apr_type.
  • Buy Intro APR: intro_apr_rate,intro_apr_duration.
  • Stability Switch Intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration.


  • Annual Payment: annual_fees
  • Stability Switch Payment: balance_transfer_fees.
  • Money Advance: cash_advance_fee

Further hidden perks

The card_name has a number of hidden advantages that transcend its money again incomes potential.

  • Mastercard World Elite® Advantages: The card_name comes with World Mastercard Elite advantages, together with a $5 Lyft credit score, a one-year membership to Shoprunner, and $5 off from Fandango.
  • Cellular phone safety: Stand up to $800 per declare and as much as $1,000 per 12 months in case your telephone is misplaced or broken.
  • Rental automobile collision injury waiver: This profit allows you to decline the rental firm’s collision insurance coverage and cost the whole rental value to your card.
  • DashPass and Caviar membership: Get a complimentary three-month membership to DoorDash and Caviar.
  • Instacart+ membership and assertion credit score: Get a complimentary three-month membership to Instacart+ and $10 in quarterly assertion credit by means of instacart.
  • Journey cancellation/interruption safety: Get reimbursed for as much as $1,500 per individual and as much as $6,000 in complete in case your journey is canceled or minimize brief as a consequence of issues like illness and extreme climate.
  • Roadside help: Get assist 24/7/365 in case you have an issue whereas touring by automobile.
  • Prolonged guarantee safety: Extends the producer’s guarantee for one 12 months on eligible warranties lasting three years or much less. Protection is for as much as $10,000 per declare and as much as $50,000 per account.

Card alternate options



In order for you an alternative choice to the card_name with a easy rewards construction, the card_name is a powerful contender. The card_name’s largest perk is that you simply earn “double” money: 1% money again while you spend with the cardboard, and an extra 1% money again while you pay it off. This implies the card_name earns twice as a lot because the 1% that the card_name earns in non-bonus classes. Just like the card_name, the card_name has no annual payment.

Nevertheless, the card_name lacks among the bells and whistles that you simply get with the card_name. The obvious one is the dearth of 5% money again classes. Do not forget that the card_name earns 5% not simply on rotating classes but additionally on journey booked by means of Chase. You additionally earn 5% money again on as much as $12,000 spent on groceries in your first 12 months.



On condition that additionally it is a Chase card, the card_name is much like the card_name in some ways. Actually, the rewards construction of the card_name is nearly an identical to that of the card_name. The principle distinction is that, as a substitute of 5% rotating bonus classes, you get limitless 1.5% money again with the card_name. Which means you earn 1.5% money again with the card_name in classes that will earn 1% with the card_name.

Because of this, the card_name is best seen as a praise to the card_name moderately than a competitor. Including each playing cards to your pockets will will let you earn increased money again charges general.

Nice for Money Again, Not as Nice for Non-Bonus Classes

The card_name provides stable rewards for individuals who wish to earn money again. It has no annual payment and provides 5% quarterly classes and some different 5% and three% classes. Nevertheless, it solely earns 1% on non-bonus classes, and its foreign_transaction_fee overseas transaction payment may very well be a deal-breaker for individuals who journey internationally. But when that isn’t a priority, this may very well be a powerful alternative for these looking for a money again bank card.

Steadily requested questions (FAQs)

How is the card_name totally different from the unique?

The card_name and the card_name each have 5% quarterly bonus classes. Nevertheless, the card_name builds on the success of the card_name and provides extra classes with mounted money again charges. These embody 5% money again by means of Chase Final Rewards, 3% cashback on eating, and three% cashback at drugstores.

Can I mix card_name rewards with different Chase playing cards?

Sure. It’s doable to mix card_name factors with factors on a number of well-liked Chase playing cards, together with card_name, card_name and card_name.

What’s the credit score restrict and the minimal credit score rating required?

Whereas there aren’t any concrete figures right here, you’ll obtain a credit score restrict of at the least $500 on the card_name if accepted. Your restrict could also be increased, relying in your creditworthiness.

There may be additionally no particular minimal credit score rating wanted to use. Nevertheless, you typically want good to glorious credit score to be accepted for this card (credit score rating of 670 to 850).

Do the card_name factors expire?

Your Chase Final Rewards factors by no means expire so long as your account stays open. Nevertheless, you may lose your factors robotically within the occasion of a chapter, misuse, failure to pay or fraud.

Which streaming providers are eligible for quarterly bonus class money again with the card_name?

The bonus class for Q1 2023 for the card_name contains grocery Shops (excluding Walmart and Goal), health golf equipment, and health club memberships. Nevertheless, a number of streaming providers had been eligible for five% money again up to now, together with Netflix, Disney+, Hulu, ESPN+ and HBO Max.

enhance card_name restrict?

The restrict on the card_name is not going to usually enhance robotically. Nevertheless, you may name the quantity on the again of your card and request a rise.

Is the card_name a Visa or Mastercard?

The card_name is a Mastercard and contains Mastercard World Elite program advantages.

The data offered right here is created independently from the TIME editorial employees. To study extra, see our About web page.

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