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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
Best For
Rewards Rate - Cashback
- 5% cash back in quarterly bonus categories.
- 5% on travel purchased through Chase Travel℠.
- 3% on dining at restaurants, including takeout and eligible delivery services.
- 3% on drugstore purchases.
- 1% on all other purchases.
- Intro offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
- Annual fee
- $0
- Regular APR
- 18.99% – 28.49% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Highlights
- Rotating quarterly bonus categories on everyday purchases when activated.
- Elevated earn on travel booked through Chase Travel℠.
- Enhanced rewards on dining (including takeout and delivery) and at drugstores.
- Cell phone protection (with your monthly bill paid on the card) and other Visa benefits.
Who is this card good for?
- Planners who route spend into rotating categories to maximize returns.
- Travelers who will book flights and hotels through Chase Travel.
- Foodies and families with steady dining and drugstore spend.
- Users building a Chase Ultimate Rewards® setup with a Sapphire card.
Pointalize Opinion
Pros
- Excellent upside via rotating categories and portal travel.
- Strong dining and drugstore earn for a no‑fee card.
- Pairs powerfully with Sapphire for premium redemptions.
Cons
- Requires quarterly activation and some tracking to capture full value.
- Non‑bonus purchases earn a base rate only.
Pointalize Final Thoughts
Freedom Flex shines when you engage with its calendar: activate, plan and use Chase Travel for outsized returns—especially if you pair it with Sapphire.