Credit Cards » Compare Credit Cards » Citi Double Cash vs Chase Freedom Flex: Which Is Better?
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Citi Double Cash vs Chase Freedom Flex: Which Is Better?

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

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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

The Chase Freedom Flex℠ and Citi® Double Cash are designed to offer flexible rewards for your everyday spending. Unlike many cards that have a primary focus for rewards, these cards allow you to maximize your rewards with your typical spending.

However, there are some important differences between these two cards. So, here we’ll delve into the Freedom Flex and Double Cash to help you decide which would be the best option for you.

General Comparison

citi double cash

Chase Freedom Flex
Citi® Double Cash Card
Chase Freedom Flex℠
Annual Fee
$0
$0
Rewards
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
Welcome bonus
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
0% Intro APR
18 months on balance transfers
15 months on purchases and balance transfers
Foreign Transaction Fee
3%
3%
Purchase APR
19.24% – 29.24% (Variable)
20.49%–29.24% variable
Read Review
Read Review

Simulation: Which Card Gives More Rewards?

While we’ve looked at various card features, in order to understand the real world benefits of the cards, a direct scenario comparison can be very helpful. Since both cards are designed for everyday spending, we will take a typical monthly spending list to see what rewards you could earn if you have a similar spending pattern.  

However, keep in mind to adjust the numbers to your regular spending categories, which may be different – so the exact calculation depends on your personal habits.

citi double cash

Chase Freedom Flex
Spend Per Category
Citi® Double Cash Card
Chase Freedom Flex℠
$15,000 – U.S Supermarkets
$300
$390 *
$3,000 – Restaurants
$60
$90
$1,500 – Airline
$30
$75
$1,500 – Hotels
$30
$75
$4,000 – Gas
$80
$40
Estimated Annual Value
$500
$670

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

** The Citi Double Cash calculated according to 2% cash back - please keep in mind you'll get the additional 1% upon payment.

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

This first area of comparison highlights an obvious difference between the two cards. The Chase Freedom Flex offers a cash bonus of .

In this area of comparison, the cards are actually very similar. Both cards are among the best no annual fee cards, and the APR rates are similar. However, while Chase offers 0% intro APR for 15 months on purchases and balance transfers (then, 20.49%–29.24% variable), Citi offers 0% intro APR for 18 months on balance transfers (then, 19.24% – 29.24% (Variable)).

The other fees are also similar. Both cards charge a 3% fee for foreign transactions after conversion to dollars. Additionally, the balance transfer fee is usually $5 or 5% (the greater), with a promotional rate of $5 or 3% for 60 days and four months for Chase and Citi respectively.

Compare The Perks

Citi® Double Cash Card

citi double cash

  • Special Ticket Access: Citi Entertainment provides special access to purchase tickets including exclusive experiences and presale tickets. This includes concerts, dining experiences and sporting events.
  • Lost Wallet Service: If you lose your card, Citi will not only replace it within 24 hours but provide you with emergency cash.
  •  Protections – Citi offers protections such as 24 Hour fraud protection and $0 liability on unauthorized charges. If you suffer from an identity theft attack, the Citi team can help you to resolve the matter.
  • No Caps and No Category Restrictions – Citi® Double Cash has no restricting categories to keep track of or to enroll in. There are also no caps on the amount of cash back you earn.
Chase Freedom Flex

Chase Freedom Flex

  • Cell Phone Protection: Enjoy coverage of up to $800 per claim and $1,000 per year for covered theft or damage on cell phones listed on your monthly bill.
  • Auto Rental Collision Damage Waiver: Gain coverage for theft and collision damage when you charge the rental cost to your card.
  • Credit Journey: Access personalized insights to aid in building, monitoring, and safeguarding your credit health, including complimentary weekly credit score access and analysis.
Using Chase Credit journey
Using Chase Credit journey (Screenshot from Chase app)
  • DashPass, Lyft, and Instacart Perks: Enjoy a complimentary DashPass, earn 5% cashback on Lyft rides, and receive an Instacart+ membership with reduced fees and statement credits for eligible Instacart purchases, enhancing your savings and convenience.
  • Zero Liability Protection: Rest easy with protection against unauthorized charges on your card or account.
  • Purchase Protection: Safeguard your new purchases against damage or theft for up to 120 days.
  • Extended Warranty Protection: Extend the U.S. manufacturer's warranties on eligible products by an additional year.
  • Trip Cancellation/Interruption Insurance: Receive reimbursement for pre-paid, non-refundable passenger fares in case of trip cancellations or interruptions due to covered reasons.

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 to help you make an informed decision.

Citi® Double Cash Card

citi double cash

While having a simple cash back structure can be a bonus, when we’re comparing the Double Cash with a card like the Freedom Flex, the lack of cash back bonuses is very obvious and makes the card a little uncompetitive.

The Citi Double Cash Card doesn't offer any sort of signup offer.

You’ll only obtain the second 1% cash back when you make your payments on time. So, unless you set up auto pay, if your bill is delayed in the post or you’re on vacation, you could easily miss out.

Chase Freedom Flex

Chase Freedom Flex

Since the largest cash back percentages change every quarter, you do need to watch for the changes. Chase typically updates the rewards calendar early, but you will need to be on the ball to check what spending categories will be included in the next quarter or two or you could miss out.

The higher cash back rate will be given only on the first $1,500 spent every quarter. If you spend more, you'll get only 1% cash back.

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.

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 to your Chase checking account or acceptable for most U.S checking and savings 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.
  • Travel rewards. You enjoy the varied options on Chase Ultimate Rewards portal such as ordering flights in many airline partners or pick up nights at Citi hotel network. 
Chase Freedom Flex how to redeem rewards
Redeeming Freedom Flex card to travel (Screenshot from Chase app)

Citi also has a number of reward redemption options that include:

How to Maximize Cards Benefits?

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

  • Plan your spending according to the quarterly bonuses: While this can be easier said than done, where possible try to keep your purchases at certain stores and in certain categories to months included in the bonus categories.
  • Max out your quarterly bonus category: Each quarter you can earn 5% for purchases up to $1,500 in total. So, aim to max out each quarter, which could add up to hundreds of dollars each year.
Chase Freedom Flex high cash back offers on Chase app
Chase Freedom Flex high cash back offers on Chase app (Screenshot from Chase app)

If you want to make the best use of your Citi Double Cash , there are some tips to help you:

  • Organize your balance transfers within the first six months: This will allow you to take advantage of the reduced balance transfer fee.
  • Pay your bills on time: To earn your cash back you need to pay at least the minimum due on time, so don’t miss any payments. If you struggle to manage bills, set up an automatic payment with your Citi checking account.
  • Check Citi Entertainment: If you enjoy concerts, sporting events, and other ticketed events, be sure to check Citi Entertainment first, as you could get exclusive experience and presale tickets as well as many other Citi benefits.

Customer Reviews: Which Card Wins?

Satisfied customers report that this card has excellent support in the event of unauthorized charges. Just click the blue button to access Citi’s dedicated Identity Theft Solutions center that can help you. A lot of them claiming the Double cash is the best Citi credit card.

Negative reviews relate to payment holds. There are a number of review comments that report significant payment holds and as a consequence interest charges when the bill has been paid in full.

citi double cash

Satisfied cardholders report this card offers some excellent bonus cash back categories, which change each quarter. However, you must remember to activate them to qualify.

Negative reviews appear centered around the fact that many purchases only qualify for a 1% cash back rate. If the quarterly categories don’t appeal to you or you forget to activate, the cash back can be a little disappointing.

Chase Freedom Flex
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.

When You Might Want the Citi® Double Cash?

The Citi Double Cash is a great option that could be good if:

  • You like a simple reward system that only requires that you pay your bills on time.
  • You have a credit card balance to pay down with 0% for 18 months on balance transfers.
  • You’re looking for a high limit, as many customers report high limits on approval.

When You Might Want the Chase Freedom Flex?

The Chase Freedom Flex Card is a solid choice if:

  • You will maximize rotating categories by spending all $1,500 per quarter.
  • You’re prepared to plan your purchases according to quarterly bonus categories.
  • You enjoy dining out, as you’ll get higher cashback on your purchases.

Compare The Alternatives

Both cards offer some great rewards for your everyday spending, particularly as neither card charges an annual fee.

However, there are some differences between the two cards that will help you to determine which one is the best option for you.

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

In order to maximize the rewards that you are able to get through this type of card, you should make sure that you make your minimum due payments.

You will be able to redeem the cashback points through direct deposit, check, or as statement credit. You can also use them in other ways, such as spending on gift cards, Amazon.com, and on travel.

The initial credit limit varies, but can often be between $500 and $8,000. The average limit for this type of card is around the $3,000 mark.

There is a cap on the bonus categories whereby it will cover up to $1,500 of relevant purchases per quarter. After that point has been reached, you will no longer earn at the premium cashback rate.

Compare Chase Freedom Flex

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?

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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

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.

Compare Citi Double Cash Card

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 Is Best?

If you're a high spender, the Citi Double Cash Card can give you more. But what if you're just looking for everyday rewards?

Citi® Double Cash Card vs Citi Custom Cash℠ Card : Which Card Wins?

When both cards offer the same flat rate cashback, we should see beyond it. Which card is better? Here's The Smart Investor full analysis.

Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?

Review Rewards Credit Cards

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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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
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.

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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.