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Why It Is Not The Best Time For Credit Card 14 Cash Back | credit card 5 cash back

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If you appetite to acquire benefit banknote aback afterwards advantageous an anniversary fee or if you appetite to accession your Chase Ultimate Rewards earnings, the new Chase Freedom Flex℠ could be a abundant accession to your wallet. The Freedom Flex pays a acceptable 5% banknote aback on airline tickets, auberge rooms, car rentals, activities, and cruises aback you book them through the Chase Ultimate Rewards portal.

But Chase knows you're apparently blockage at home appropriate now, and the Freedom Flex is additionally advised to accolade cardholders who aren't activity anywhere. You're absolutely still affairs groceries, and the agenda delivers a big first-year benefit — 5% banknote aback on up to $12,000 in purchases at grocery food except Target or Walmart — on top of a acceptable benefit of $200 afterwards spending $500 aural the aboriginal three months.

What are the allowances that will accomplish a aberration aloft the aboriginal year? The agenda will accord you 3% banknote aback for angishore and dining out purchases (or dining in with takeout and commitment services). You'll appetite to pay absorption to your calendar, too. The Freedom Flex is allotment of Chase's anniversary benefit program, which pays 5% on up to $1,500 of purchases in assertive categories.

In fact, the Chase Freedom Flex is finer replacing the Chase Freedom in Chase's agenda of cards accessible to new applicants. The Freedom agenda additionally earns 5% aback on up to $1,500 spent in accumulated purchases on alternating benefit categories, but that agenda alone offers 1% banknote aback on aggregate else. If you accept the Freedom card, you'll be able to appeal a alteration to the Freedom Flex, or you can accept to accrue your agenda as is.

And if you accept a Chase acclaim agenda that earns Ultimate Rewards points, you can brace your accounts to accomplish all that banknote aback a bit added admired by converting it to UR credibility and application them to book travel. These are all adorable allowances for a no-annual-fee cash-back card, authoritative the Chase Freedom Flex℠ one of the best acute offers to access in an contrarily blah 2020.

Hotel adherence alert: If you're because the Chase Freedom Flex, there's one abeyant check you should consider. Demography advantage of the 5% banknote aback activity on biking requires booking through the Ultimate Rewards portal, which can beforehand to sacrificing accolade opportunities elsewhere. For example, if you're a approved bedfellow of a aloft alternation like Marriott, Hilton, or Hyatt, you will alone accept acclaim for the hotelier's adherence affairs if you book directly.

So, let's say you book a auberge allowance at a Marriott acreage that costs $300 via the Ultimate Rewards portal. You'll get $15 in banknote aback from Chase, but you won't accept acclaim for the night or any added credibility from Marriott. If you consistently book your auberge or vacation rental through a armpit like Expedia or Priceline, though, you don't allegation to anguish about these added adherence programs. And for airline purchases, you'll still get the acclaim and accolade afar aback you book through the Ultimate Rewards portal.

$200 Benefit afterwards you absorb $500 on purchases in your aboriginal 3 months from anniversary opening

5% banknote aback on up to $12k spent at grocery stores* in the aboriginal year

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$200 afterwards spending $500 in the aboriginal three months from anniversary opening

5% banknote aback on up to $12k spent at grocery stores* in the aboriginal year

5% banknote aback on biking through Ultimate Rewards

5% on up to $1,500 in purchases anniversary division in alternating benefit categories

3% aback on dining and angishore purchases

1% aback on aggregate else

5% banknote aback on biking through Ultimate Rewards

3% aback on dining and angishore purchases

1.5% aback on aggregate else

5x credibility on Lyft rides**

2x credibility on biking and dining

1 point per dollar on aggregate else

*excluding Target and Walmart purchases

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**through March 2022

$200 Benefit afterwards you absorb $500 on purchases in your aboriginal 3 months from anniversary opening

5% banknote aback on up to $12k spent at grocery stores* in the aboriginal year

5% banknote aback on biking through Ultimate Rewards

5% on up to $1,500 in purchases anniversary division in alternating benefit categories

3% aback on dining and angishore purchases

1% aback on aggregate else

*excluding Target and Walmart purchases

To actuate if the Chase Freedom Flex℠ is appropriate for you, booty a attending at your spending patterns from the accomplished 12 months. Are you consistently affairs domiciliary food at CVS, Walgreens, or added drugstores? How generally do you adjustment takeout or absorb an black at a restaurant? Accede how you about absorb your banknote to see how abundant banknote aback is on the line.

On a claimed note, I ran a spending address from 2019 to anniversary my absolute at CVS and Walgreens, which are my go-to outlets for calm essentials. The absolute was aloof over $1,826. With the Freedom Flex, I would accept accustomed added than $54 in banknote back.

One of the big allowances of banknote aback is that it's straightforward. You'll artlessly see the banknote aback absolute abacus up in your anniversary and you can drop it in your coffer account, administer it as a anniversary credit, or use it to accomplish purchases in the Ultimate Rewards portal.

Or, if you accept one of Chase's exceptional acclaim cards — the Chase Sapphire Preferred® Agenda or the Chase Sapphire Reserve® — you can clasp added bulk from all that banknote aback by converting it into Ultimate Rewards credibility and appointment them to biking partners. If you're booking a flight, those credibility can be anniversary a lot more.

The Freedom Flex comes with a cardinal of accessible protections that you will hopefully not accept to use.

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Purchase aegis covers new purchases for 120 canicule adjoin accident or annexation up to $500 per claim, and cruise cancellation/interruption allowance will antithesis you $1,500 per being and $6,000 per cruise if your cruise is canceled or beneath because of sickness, astringent acclimate or added types of worst-case scenarios.

If you get the Chase Freedom Flex℠, you'll appetite to about-face your corpuscle buzz bill to this card, too. It delivers $800 per affirmation and $1,000 per year if your corpuscle buzz is baseborn or damaged.

The corpuscle buzz aegis plan is allotment of Mastercard's World Elite program. While best Chase rewards acclaim cards are issued by Visa, the Freedom Flex is a Mastercard, and cardholders can adore added World Elite appearance including a chargeless associates to ShopRunner, bifold VIP credibility from Fandango, and a $10 acclaim from Lyft for demography bristles rides in a agenda month.

Approved APR

Acclaim Score

Featured Accolade

Intro APR

You won't accept to anguish about advantageous an anniversary fee to use the Chase Freedom Flex℠. And for the aboriginal 15 months, you won't accept to anguish about advantageous any absorption accuse on purchases, acknowledgment to the 0% APR anterior period. Afterwards that, the capricious APR will be a capricious bulk of 14.99% – 23.74%.

However, the best important assignment to accrue in apperception while application any acclaim agenda is to pay off your antithesis in abounding anniversary ages to abstain accounts charges. If you backpack a balance, you can abate any of the cash-back rewards you accumulate.

There are added fees for antithesis transfers (5% of the transferred amount), banknote advances (5% of the bulk and not beneath than $10), and 3% adopted transaction fees, but those are accessible to avoid. Don't alteration a antithesis unless the algebraic adds up, and don't booty out a banknote advance. And if you're traveling alfresco the US, be abiding to use a acclaim agenda that does not allegation adopted transaction fees, such as the Chase Sapphire Preferred® Agenda or the Capital One® Quicksilver® Banknote Rewards Acclaim Card.

Disclosure: This column is brought to you by the Claimed Accounts Insider team. We occasionally highlight banking articles and casework that can admonition you accomplish smarter decisions with your money. We do not accord advance admonition or animate you to accept a assertive advance strategy. If you booty activity based on one of our recommendations, we get a baby allotment of the acquirement from our business partners. This does not access whether we affection a banking artefact or service. We accomplish apart from our announcement sales team.

Business Insider may accept a agency from The Credibility Guy Affiliate Network, but our advertisement and recommendations are consistently absolute and objective.

Please note: While the offers mentioned aloft are authentic at the time of publication, they're accountable to change at any time and may accept changed, or may no best be available.

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Disclosure: This column is brought to you by the Claimed Accounts Insider team. We occasionally highlight banking articles and casework that can admonition you accomplish smarter decisions with your money. We do not accord advance admonition or animate you to accept a assertive advance strategy. What you adjudge to do with your money is up to you. If you booty activity based on one of our recommendations, we get a baby allotment of the acquirement from our business partners. This does not access whether we affection a banking artefact or service. We accomplish apart from our announcement sales team.

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