The Chase Freedom card is one of the best “free” (no annual fee) credit cards out there. Every quarter, they have categories that earn 5% cash back (up to $1500) so you get more out of your spending. The kicker in the strength of the 5% back is that these don’t HAVE to be redeemed in cash (unlike cash back AMEX cards). You can transfer your Freedom UR points into a Chase Sapphire Preferred or Chase Ink Plus/Bold account. Read about the advantage for converting UR points here.
Quick view perks of the Chase Freedom card:
NO Annual Fee
5% cash back on rotating categories every quarter
1% cash back on everything else
Visa (Pretty much accepted anywhere that takes credit cards)
0% Intro APR for 15 months
20k Points or $200 sign up bonus (Usually only $100) Also, 2,500pt bonus for adding a user
Sample Bonus categories:
Supermarkets, Gas Stations, Restaurants, Amazon.com, Starbucks, Lowe’s, Movie Theatres
Sign up here: Chase Freedom
Don’t forget to read –here– on how you can maximize your daily spending (beyond what you initially may expect) to accumulate even more points.