Credit Cards » Compare Credit Cards » Chase Freedom Flex vs Chase Freedom Unlimited: Which Card is Better?
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Chase Freedom Flex vs Chase Freedom Unlimited: Which Card is Better?

While both cards offer great cash back rewards and considered among the best Chase cards, there are some major differences. Which is better?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

Both of these credit cards come from Chase, which is one of the biggest banks in the United States today. These two options have a lot of similarities, but there are some key differences that need to be highlighted before you choose one over the other.

Chase Freedom Unlimited and Flex card management
Chase card management (Screenshot from Chase app)

The Chase Freedom Flex℠ and the Chase Freedom Unlimited® cards both offer cashback and have some great bonuses. There are also long periods of 0% APR, as well as neither charging any annual fees.

However, the main difference relates to the reward structures that are in place. That is where this review is going to focus on the most, so you will be able to see which of these credit cards is going to be the optimal choice for you.

General Comparison

Chase Freedom Flex

chase freedom unlimited card

Chase Freedom Flex
Chase Freedom Unlimited®
Annual Fee
$0
$0
Rewards
Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases.
Welcome bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..
0% Intro APR
15 months on purchases and balance transfers, then 20.49%–29.24% variable APR
15 months on purchases and balance transfers, then 20.24%–28.99% variable APR
Foreign Transaction Fee
3%
3%
Purchase APR
20.49%–29.24% variable
20.24%–28.99% variable
Read Review
Read Review

Simulation: Which Card Gives More Rewards?

As an example, we will showcase the types of cashback rewards you can make when using each of these types of cards relating to particular sets of purchases. 

As you can see, both cards are more or less equal, while the decision should be made based on your personal preferences as well as you ability to leverage the high cash back on rotating categories.

Chase Freedom Flex

chase freedom unlimited card

Spend Per Category
Chase Freedom Flex
Chase Freedom Unlimited
$15,000 – U.S Supermarkets
$390 *
$225
$3,000 – Restaurants
$90
$90
$1,500 – Airline
$75
$75
$1,500 – Hotels
$75
$75
$4,000 – Gas
$40
$60
Estimated Annual Value
$670
$665

* Since Chase Freedom Flex offer rotating categories up to $6,000/year, we calculated $6,000 under "U.S Supermarkets" category with higher cashback.

Chase Freedom Flex redeem for cash back on app
Chase Freedom Flex redeem for cash back on app (Screenshot from Chase app)

Compare Welcome Bonus And Fees

Both the Chase Freedom Flex and the Freedom Unlimited cards have nice offers for new signups. You can earn Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. with the Unlimited card, while the Freedom Flex card earns . This is a decent sign up bonus, similar to other Chase cards such as the Chase Sapphire Reserve Bonus.

Both considered as no annual fee cards since neither of these credit cards will charge you an annual fee for using them. There is also 0% APR charged for new purchases made within 15 months on purchases and balance transfers, then 20.49%–29.24% variable.  However, a 3% foreign transaction fee is in place with both cards, so they will not be the best option if you are going to be doing a lot of traveling.

Compare The Perks

There are a few different benefits associated with both of these credit card options. Some of these will be common to both the Chase Freedom Flex and Freedom Unlimited options, while others will be different.

Here is a quick look at what you can expect on both cards:

  • Low-Cost Structure: Neither of these cards will charge an annual fee, as well as having a generous APR on new purchases.

  • Good Sign Up Offer: Both of these cards have the an attractive sign-up offer.

  • Similar Cash-Back: Both cards have the same cashback rates, covering a wide range of different categories. This includes cashback on travel, drugstore, and restaurant purchases.

  • Credit Journey: Personalized insights to help build, monitor, and protect your credit health, with free weekly credit score access and score analysis.
Using Chase Credit journey
Using Chase Credit journey (Screenshot from Chase app)
  • DashPass, Lyft, and Instacart Benefits: Complimentary DashPass, 5% cashback on Lyft rides, and Instacart+ membership with reduced fees and statement credits for eligible Instacart purchases, providing additional savings and convenience.
  • Zero Liability Protection: Protection against unauthorized charges on your card or account.
  • My Chase Plan: Capitalize on the My Chase Plan option, enabling you to effortlessly settle eligible purchases of $100 or more through equal monthly payments, devoid of interest and accompanied by a fixed monthly fee.
My Chase Plan with Chase Unlimited card
My Chase Plan with Chase Unlimited card (Screenshot from Chase app)
  • Purchase Protection: Covers new purchases against damage or theft for up to 120 days.
  • Extended Warranty Protection: Extends U.S. manufacturer's warranties on eligible products by an additional year.
  • Trip Cancellation/Interruption Insurance: Provides reimbursement for pre-paid, non-refundable passenger fares in case of trip cancellations or interruptions due to covered reasons.

However, there are some unique benefits for each card:

Chase Freedom Flex

Chase Freedom Flex

  • Bonus Categories: The Chase Freedom Flex credit cards have rotating bonus cashback categories. These change on a quarterly basis and covers up to $1,500 in total quarterly purchases.

  • Different Networks: Chase Freedom Flex is backed by the MasterCard network, while the Freedom Unlimited Card is backed by the Visa network. Therefore, the respective network perks will vary.

Chase Freedom Unlimited

chase freedom unlimited card

  • Budgeting Friendly: If you are looking to budget in a more accurate manner, then the Freedom Unlimited card will be for you. There are no rotating bonuses, so you can plan ahead when making purchases and account for the consistent cashback.

  • Works Well With Other Card Options: This card can work well alongside other types of cards, whether they relate to gas or travel-related purchases. This is because you will not have cashback bonus categories that clash with your spending through other cards.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare The Drawbacks

There are no perfect financial products, so it is important to be aware of the potential drawbacks of a new credit card before you sign up.

Here we’ll highlight some of the possible negatives of both cards:

Chase Freedom Flex Card

Chase Freedom Flex

As the bonus categories change every month, you will not be able to predict ahead of time of what purchases will get cashback. This is not very budget-friendly.

Chase Freedom Unlimited

chase freedom unlimited card

There are other credit card options out there that have better flat-rate cashback than what you get with Chase Freedom Unlimited.

You need to pay a 3% charge when you are making foreign exchange transactions with a Chase Freedom Unlimited credit card. This is also relevant for the Chase Freedom flex card.

Compare Redemption Options

Chase offers several ways to redeem your rewards. These include:

  • Statement credit or a direct deposit: There is no minimum to redeem your rewards in this way and direct deposits are acceptable for most U.S checking accounts.
  • Amazon shopping: You can also use your rewards to pay for all or part of eligible Amazon.com orders when you link your card to your Amazon account.
  • Gift cards: Chase has a variety of gift card options, including for dining, entertainment, and shopping. You can get and send them over Chase mobile app.
  • Travel rewards. You can use the Chase Ultimate Rewards platform to access competitive rates for travel products including hotel stays and flights.
Chase Freedom Flex how to redeem rewards
Redeeming Freedom Flex card to travel (Screenshot from Chase app)

How to Maximize Cards Benefits?

If you want to make the best use of your Chase Freedom cards , there are some tips to help you:

  • Utilize Alongside Other Cards: You should maximize the cashback rewards you get by combining the use of the Chase Freedom Unlimited Card with other rewards credit cards that might have complimentary cashback rates for certain types of purchases.

  • Budgeting: This credit card allows you to easily plan in advance as the cashback rates stay the same. Therefore, you can plan your purchases and figure out how much cashback you will receive when doing so.

Chase Freedom Unlimited budgeting charts
Chase Freedom Unlimited spending and budgeting charts (Screenshot from Chase app)
  • Avail of the Sign-Up Bonus: The signup bonus is very good with the Chase Freedom Flex, so you should make sure to maximize it before it expires.

  • Don’t Forget About Insurance: The Chase Freedom Flex offers a reimbursement of up to $1,500 per person and $6,000 for prepaid non-refundable passenger fares. Therefore, this card can be a good choice when booking this type of travel.

Customer Reviews: Which Card Wins?

Chase Freedom Flex
Chase Freedom Unlimited
App Rating (iOS)
4.9
4.9
App Rating (Android)
4.4
4.4
BBB Rating (A-F)
B+
B+
WalletHub
4
3.5
Contect Options
phone/social
phone/social
Availability
7 AM – 11 PM
7 AM – 11 PM

Satisfied borrowers report that the Chase Freedom Unlimited card is a great way to minimize fees, as well as get some good cashback rewards. On the other hand, negative reviews report that the Chase Freedom Unlimited card does not have as high cashback rates as some other flat-rate cards such as the Citi Double Card, that offers 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment..

Satisfied borrowers report that the Chase Freedom Flex card is a great way to minimize fees, as well as get some good cashback rewards. This is particularly the case when it comes to the bonus categories. Negative reviews report that the Chase Freedom Flex card can be confusing when it comes to activating the current bonus cashback categories.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Freedom Flex Card?

The Chase Freedom Flex is a great option that could be good if you:

  • Prefer Rotating Categories Cashback: If you can predict your spending accurately, you will get bonus categories each month from which you can earn higher cashback than the Freedom Flex card.

  • Minimal Fees: If you want to pay minimal fees with a credit card, then this is a great option for you. This is also relevant for the Freedom unlimited card.

When You Might Want the Freedom Unlimited Card?

The Chase Freedom Unlimited Card is a solid choice if you:

  • Prefer Dependable Cashback: You will have reliable flat cashback rates in place that allows you to plan ahead of time when making purchases and know what cashback you will get.

  • High Spender: If you have are a family or you exceed the rotating categories limit, you may prefer the Freedom Unlimited Card.

  • Sign Up Bonus: If you are looking to get your hands on some bonus cash, then the Chase Freedom Flex card has a lucrative offer. This is also relevant for the Freedom Flex card.

Bottom Line

Both of these card options are good cash back cards. The best strategy if possible is to get your hands on both cards, or combine one of them with another card. Therefore, you will be able to get the best of both worlds.

This includes the bonus cashback rates available through the Chase Freedom Flex card and the better flat-rate cashback for those purchases that are not covered by bonuses.

Compare The Alternatives

While both cards offer attractive cash back rewards for rotating categories but not only, there are a couple of alternatives that you may want to take a look before applying:

AMEX Blue Cash Preferred Card review

chase_sapphire_preffered

Capital One Quicksilver Cash Rewards Credit Card
Blue Cash Preferred® Card from American Express
Chase Sapphire Preferred® Card
Annual Fee
$0
$95 ($0 intro for the first year)
$95
Rewards
1.5% – 5% 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within 3 months from account opening
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Foreign Transaction Fee
$0
2.70%
$0
Purchase APR
19.99% – 29.99% variable
19.24% – 29.99% Variable
21.24%–28.24% variable APR

FAQ

All purchases earn some sort of cashback with this card. There are bonus categories through which you will be able to earn cashback rewards at a greater rate.

It is not very hard to get this type of card once you meet all of the straightforward requirements. Therefore, it can be quite an easy process for you to get up and running.

If you are looking for higher flat cashback rates. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.

Besides cap on higher cash back for specific categories, there is no cap on the rewards or cashback that you get with this card. Therefore, it will be ideal even for those people who use the card for a lot of purchases.

Compare Chase Freedom Flex

When comparing rotating categories to flat-rate cash back rewards, need to analyze the categories & calculate – which card gives you more?

Citi Double Cash vs Chase Freedom Flex: Which Is Better?

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Chase Freedom Flex vs Discover it Cash Back: Which Is Better?

The BofA Customized Cash Rewards and the Chase Freedom Flex have many features in common, but there is a clear winner when comparing them.

BofA Customized Cash Rewards vs Chase Freedom Flex: Which Card Is Best?

The Capital One SavorOne cashback categories are fixed, while the Chase Freedom Flex has rotating categories. Which is worth more?

Capital One SavorOne vs Chase Freedom Flex: Side By Side Comparison

Compare Chase Freedom Unlimited

While both cards offer decent cash back rewards with no annual fee, there is a clear winner between the two. And here's why we think so.

American Express Everyday® Card vs Chase Freedom Unlimited®: Which Card Wins?

While both cards offer great cash back rewards and considered among the best Chase cards, there are some major differences. Which is better?

Chase Freedom Flex vs Chase Freedom Unlimited: Which Card Is Best?

The flat rate cash back on Citi Double Cash Card is higher – but usually, it may not be the best option. Here's The Smart Investor analysis.

Citi Double Cash Card vs Chase Freedom Unlimited: Which Card Wins?

The Chase Sapphire Preferred offers costs more and offer more benefits than the Freedom Unlimited. Is it worth the annual fee?

Chase Freedom Unlimited Vs. Sapphire Preferred: Compare Side By Side

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Blue Cash Everyday is the winner if you need gas and grocery purchases, while the Freedom Unlimited offers better travel rewards

Amex Blue Cash Everyday vs. Chase Freedom Unlimited: Which Card Wins?

When it comes to cashback potential, the Chase Freedom Unlimited wins, especially for those who frequently engage in travel-related expenses.

Chase Freedom Unlimited vs. Citi Custom Cash Card: Which Card Wins?

The Savor card is ideal for dining out and entertainment, while the Freedom Unlimited is best for travelers and those who need 0% intro APR.

Capital One Savor vs. Chase Freedom Unlimited: Side By Side Comparison

The BofA Customized Cash Rewards is more flexible, but the Chase Unlimited card will drive more rewards and benefits. Here's why.

Bank of America Customized Cash Rewards vs Chase Freedom Unlimited: Which Card Wins?

The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison

Wells Fargo Active Cash vs. Chase Freedom Unlimited: Which Card Wins?

The Apple Card offers competitive cashback rewards on Apple purchases and services – but if you travel frequently, the Unlimited card wins.

Apple Card vs. Chase Freedom Unlimited: How They Compare?

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review No Annual Fees Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.