A credit score of over 700 puts you in the good to excellent credit score range. Credit cards for good credit have attractive features and benefits such as 0% APR for the first few months, higher rewards, $0 annual fees, and higher credit limits.
If you have good credit, you will be spoilt for choice with the number of credit card issuers who want your business. With the different options to consider, you should take some time to find the card that suits your needs.
Here are The Smart Investor Select’s picks for the best credit cards for good credit in 2024:
Card | Rewards | Bonus | Annual Fee | Best For |
| 1X – 2X
2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
| 10,000 points
10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
| $0 | Everyday Spending |
|---|---|---|---|---|---|
| 1-5%
5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
| Cashback Match | $0
| Cashback | |
| 1X – 4X
4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases
| 20,000 points
20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
| $0 | Point Rewards | |
| 1-3%
3% cash back rewards on trips booked through SoFi Travel. After that, earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi
| N/A
N/A
| $0 | Youngers | |
 | 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.
| $200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
| $0 | 0% Intro | |
 | 1-5%
5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
| $200
$200 bonus after you spend $500 on purchases in the first 3 months from account opening
| $0 | Rotating Categorie |
Blue Cash Everyday® Card from American Express
Rates & Fees, Terms Apply
Blue Cash Everyday® Card from American Express
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
Rates & Fees, Terms Apply
The Blue Cash Everyday® Card from American Express is a no-annual-fee credit card that excels in providing rewards for everyday spending. With a focus on U.S. supermarkets, gas stations, and online retailers, it offers a competitive 3% Cash Back at U.S. supermarkets / U.S. online retail purchases/ U.S. gas stations on up to $6,000 per year in purchases, then 1%.
The card provides a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Additionally, it features a 0% introductory APR for 15 months on purchases and balance transfers from the date of account opening , followed by a variable APR of 19.24% – 29.99% Variable. This card pairs this introductory APR with the Pay It Plan It program, allowing users to manage their payments efficiently.
While it stands out for its unique U.S. online retail reward category, it may not be the most lucrative option for those who spend heavily outside these specified areas.
- APR: 19.24% – 29.99% Variable
- Annual fee: $0
- Balance Transfer Fee: 3% or $5, whichever is greater
- Foreign Transaction Fee: 2.7%
- Rewards Plan: 3% Cash Back at U.S. supermarkets / U.S. online retail purchases/ U.S. gas stations on up to $6,000 per year in purchases, then 1%. Terms Apply.
- Welcome Bonus: $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
- 0% APR Introductory Rate period: 15 months on purchases and balance transfers from the date of account opening
- Competitive Rewards And Welcome Bonus
- No Annual Fee
- 0% Intro APR
- Foreign Transaction Fee
- Spending Caps
Are there any restrictions on redeeming cash back for direct deposits or checks?
Yes, unlike some other cards, the Blue Cash Everyday card doesn't allow for direct deposit or check redemptions.
What is the Pay It Plan It program?
The Pay It Plan It program allows cardholders to manage payments effectively, offering upfront payment options for qualifying purchases.
Does the Blue Cash Everyday Card have any exclusive perks?
Yes, cardholders enjoy exclusive access to American Express Experiences, providing special ticket presale access and event invitations.
Does the card offer any travel-related benefits?
Yes, cardholders have access to the Global Assist Hotline for emergency assistance when traveling more than 100 miles from home.
How can I redeem the cash back rewards?
Cash back rewards, earned as Reward Dollars, can be redeemed for statement credits with no minimum redemption amount.
Discover it® Cash Back
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Discover it® Cash Back is one of our favorites and another great option for good credit customers, mainly due to its high flexibility. This card offers a very high rewards rate on some categories that rotate every few months.
The card gives a 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases. Some of the categories include; restaurant, gas station, online shopping and many more each time you activate them. However, on all other purchases, excluding the ones in the category selected, you will only receive a 1% cashback.
The Discover it® Cash Back also offers 15 months on purchases and balance transfers and a great sign up bonus. This card is best for individuals who understand their spending habits and want to leverage the high reward rate the card offers, or those who plan a big purchase in the next couple of months.
- Rewards Plan: 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
- APR: 17.24% – 28.24% Variable
- Annual fee: $0
- Balance Transfer Fee: 5%
- Foreign Transaction Fee: $0
- Sign Up bonus: All cash back earned at the end of the first 12 months is matched.
- 0% APR Introductory Rate period: 15 months on purchases and balance transfers
- 0% Intro APR Period
- High Cash Back for Select Spending Categories
- Matches Cash Back in the First 12 Months
- No Annual Fee
- Limit on Cash Back Spending Per Quarter
- Keeping Track of Bonus Categories
- Less Merchant Acceptance
- Balance Transfer Fee
- What are the cash-back rewards limit? There is a $1,500 cap on purchases each quarter that allows you to get the bonus cashback rates. Otherwise, no cap.
- Does Discover it Cash Back ask for proof of income? No out and out request for proof of income and no transparent income requirements.
- Does card rewards points expire? No expiry date for these points.
- Can I get pre-approved on card Discover it Cash Back? Yes, you can get pre-approval.
- What is the initial credit limit of card Discover it Cash Back Card? The minimum credit limit will be $300.
- How do I redeem cash back? You can get the rewards in the form of cash, statement credit, or gift cards.
- What purchases don't earn cash back ? All purchases will earn cashback.
- Should You Move to Discover it Cash Back Card? If you want to get good rewards from bonus categories and want access to a good signup offer.
- Why did Discover deny me? What to Do Next? You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.
PayPal Cashback Mastercard
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The PayPal Cashback Mastercard, issued by Synchrony Bank, stands out as a no-annual-fee cash-back credit card, offering simplicity and strong rewards for users who frequently utilize PayPal. With a competitive 3% cashback when you shop with PayPal, 2% cashback on all other purchases, the card eliminates the hassle of category restrictions and annual earnings caps.
The card requires applicants to have a PayPal account, which is free to open, and a good to excellent credit score for approval. While lacking a welcome bonus or introductory APR offers, its cash rewards never expire, and there's no minimum redemption threshold. The redemption process is seamless, allowing users to transfer cash rewards directly to their PayPal balance.
- Rewards Plan: 3% cashback when you shop with PayPal, 2% cashback on all other purchases
- APR: 20.24% – 32.24%
- Annual fee: $0
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: 3%
- Sign Up bonus: N/A
- 0% APR Introductory Rate period: N/A
- Cash Rewards Never Expire
- Simplicity and Flexibility
- Cash Rewards Integration with PayPal
- No Minimum Redemption Threshold
- Requirement of a PayPal Account
- Limited Perks
- High APR
Does the card have an introductory APR offer?
No, the card does not offer introductory APR rates for purchases or balance transfers.
How can I redeem cash rewards from the PayPal Cashback Mastercard?
Cash rewards can be redeemed by transferring them to a PayPal account, where they can be used for PayPal purchases or transferred to a linked bank account.
Can authorized users earn the same cash back rates?
No, authorized users can earn up to 2% cash back on all purchases, less than the primary cardholder.
What credit score is required to apply for the card?
The card typically requires a good to excellent credit score for approval.
Can I redeem cash rewards for statement credits or gift cards?
No, the redemption options are limited to transferring cash rewards to a PayPal account or linked bank account.
Are there category restrictions for earning cash back?
No, the card eliminates category restrictions, offering a flat 2% cash back on all other purchases.
Capital One Quicksilver
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The capital one quicksilver card is a good choice for individuals who have good credit score and either don’t like to spend too much in just one budget category or individuals that prefer one reward rate than multiple rates. The Capital One Quicksilver offers 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.. This cashback rate is not the highest in the market, but card do not charge any annual fee, and it has a nice welcome bonus of $200 cash bonus once you spend $500 on purchases within 3 months from account opening.
Lastly, the card offers 0% intro APR for 15 months on balance transfers and purchases (19.99% – 29.99% variable after that). Some of the benefits individuals can derive from using this card include; no foreign transaction fees, travel accident insurance, secondary car rental insurance and 24-hour travel assistance services.
- Rewards Plan: 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
- APR: 19.99% – 29.99% variable
- Annual fee: $0
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: $200 cash bonus once you spend $500 on purchases within 3 months from account opening
- 0% APR Introductory Rate period: 15 months on balance transfers and purchases
- Sign-Up Bonus
- Flat Cashback Rewards Rate
- No Annual Fee or Foreign Transaction fee
- Intro APR on Purchases & Balance Transfers
- No Bonus Rewards Categories
- Cashback Rate Could Be Better
- Requires Good/Excellent Credit
- Can I get car rental insurance with Quicksilver Card? Yes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
- What are Quicksilver Card income requirements? Capital One often required monthly income to be at least $800. Sometimes, you will need to show some proof of income.
- Can I get pre-approved? Yes, you can get pre-approval.
- What is the initial credit limit? You will normally get a credit limit of at least $5,000.
- How do I redeem cash back? For the Quicksilver cashback rewards, you are able to get a check, as statement credit, or redeem them with certain retailers.
- What purchases don't earn cash back? All purchases are covered.
- Should You Move to Quicksilver Card? If you want consistency across all types of purchases or need to fill some gaps thrown up by other cards.
- How to Use Quicksilver card Benefits? Use it to fill the gap where your other credit cards fall short. If you want to have ultimate ease of use thanks to the consistency across all types of purchases.
- What are the top Reasons NOT to get the Quicksilver Card? If you are looking to get higher cashback rewards for certain categories.
Wells Fargo Autograph Card
Reward details
3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Wells Fargo Autograph Card offers a compelling option for those seeking a no-annual-fee rewards card with a diverse range of bonus categories
The card offers 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchasess. However, it lacks travel perks compared to traditional travel rewards cards, and its travel redemption options are limited.
Cellphone protection, My Wells Fargo Deals, and Auto Rental Collision Damage Waiver coverage are among the card's notable perks. Despite not offering transfer partners, the card's flexibility in redeeming points for cash rewards or travel, along with the ability to withdraw rewards from an ATM, adds to its appeal.
- Rewards Plan: 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
- APR: 21.49%–28.49% variable
- Annual fee: 20.24% – 29.99% variable
- Balance Transfer Fee: $5 or 3% (the greater)
- Foreign Transaction Fee: $0
- Sign Up bonus: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
- 0% APR Introductory Rate: 12 months on purchases
- Everyday & Travel Rewards
- My Wells Fargo Deals
- 0% Intro APR
- No Foreign Transaction Fee
- Wells Fargo Credit Close-Up
- Basic Card
- No Transfer Partners
- No 0% APR On Balance Transfer
What makes the Wells Fargo Autograph Card stand out?
The Autograph Card stands out with its broad range of reward categories, including restaurants, gas stations, transit, travel, and more, making it suitable for those with diverse spending patterns.
What perks come with the Autograph Card?
The card offers cellphone protection, My Wells Fargo Deals reward opportunities, auto rental collision damage waiver, and Visa Signature perks such as concierge service and Luxury Hotel Collection privileges.
Can you redeem Wells Fargo Autograph points for travel?
While the card offers various redemption options, including travel, the value of points for travel is limited to 1 cent per point.
Can I use the Autograph Card's points for cash back?
Yes, you can redeem your points for cash back as a statement credit or a deposit to your Wells Fargo savings, checking, or money market account at a value of 1 cent per point.
What makes the Autograph Card's redemption options flexible?
The card provides flexibility in redemption, allowing points to be redeemed for various options, including cash rewards, travel, or withdrawal from an ATM, making it convenient for cardholders with different preferences.
Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card
Reward details
Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Hilton Honors American Express Surpass® Card is a co-branded credit card tailored for regular Hilton guests seeking valuable perks without the high annual fee of the premium Aspire Card. The Surpadd card earns Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases.
The ongoing benefits include automatic Hilton Gold elite status, providing perks such as complimentary breakfast, increased points earnings, and space-available upgrades at Hilton properties. The annual fee of $150 is justified by these benefits, including up to $200 in Hilton statement credits, a free night reward for $15,000 in annual spending, and complimentary National Car Rental Emerald Club Executive status.
While the card has advantages like automatic Gold elite status and a solid earning rate, its drawbacks include the lower value of Hilton points, an annual fee, and limited travel protections.
- APR: 20.99% – 29.99% variable
- Annual fee: $150
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: $0
- Rewards Plan: Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases
- Welcome Bonus: 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership
- 0% APR Introductory Rate period: N/A
- Automatic Hilton Gold Elite Status
- Statement Credits
- No Foreign Transaction Fees
- Hilton Points Value Is Low
- Annual Fee
- Low Ratio When Tranferring To Airline
Who is the ideal candidate for the Hilton Honors American Express Surpass Card?
The card is best suited for regular Hilton guests seeking a balance of benefits and rewards without the high annual fee of premium cards.
What is the spending requirement for earning Hilton Diamond status with this card?
Cardholders can achieve Hilton Diamond status by spending $40,000 on the Hilton Surpass card within a calendar year.
What is the primary drawback of the Hilton Surpass card?
The perceived lower value of Hilton Honors points compared to other loyalty programs is a notable drawback.
Can I pool Hilton Honors points with other members?
Yes, Hilton allows cardholders to pool points with up to 10 other members, providing flexibility for combining points for award stays.
How can I earn a free night reward with the Hilton Surpass card?
Spending $15,000 on eligible purchases in a calendar year qualifies cardholders for a free night reward that can be used at any Hilton property.
Capital One Savor Cash Rewards Credit Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Capital One Savor credit card offers unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.. Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
In addition, there is a significant sign up bonus of $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening, as well as no foreign transaction fee.
However, if you don’t spend enough on these types of activities then you won’t get ahead much on the rewards due to the $95 annual fee.
- Rewards Plan: unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- APR: 19.99% – 29.99% Variable
- Annual fee: $95
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- 0% APR Introductory Rate period: None
- Sign Up Bonus
- High Cash Back
- No Rotating Categories
- $95 Annual Fee
- Approval Can Be Strict
- No 0% Intro APR
- Can I get car rental insurance with Capital One Savor? Yes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
- Does it have a cash-back rewards limit? There is no limit.
- Does Capital One ask for proof of income? No out and out request for proof of income and no transparent income requirements.
- Does Capital One Savor Card offer pre approval? Yes, you can get pre-approval.
- What is the initial credit limit? The minimum credit limit is set at $5,000.
- How do I redeem cash back? You can get them sent to you in the form of a check, as a statement credit, or get them given to you through gift cards.
- What purchases don't earn cash back? All types of purchases are eligible for cashback with this card.
- Should You Move to Capital One Savor Card? If you spend enough on the premium cashback categories to justify the annual fee.
- Why did Capital One Savor Card deny me? What to Do Next? You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.
- How to maximize rewards on Capital One Savor Card? Make the most out of the signup offer and use this card for the premium cashback categories to get the best bang for your buck.
- Top reasons NOT to get the Capital One Savor Card? If you will not reap enough rewards to justify the $95 annual fee.
U.S. Bank Shopper Cash Rewards
U.S. Bank Shopper Cash Rewards Review
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The U.S. Bank Shopper Cash Rewards Visa Signature Card offers an enticing rewards program for cardholders – 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center.
Also, this card provides a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. The first year comes with no annual fee.
The application process is swift, with decisions made in as little as 60 seconds. Flexible redemption options allow for cash back as a statement credit, rewards card, merchant gift cards, or direct deposits into U.S. Bank accounts.
- Rewards Plan: 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center.
- APR: 19.74% – 29.74%
- Annual fee: $95 ($0 on first year)
- Balance Transfer Fee: 3%, $5 minimum
- Foreign Transaction Fee: 3%
- Sign Up bonus: $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening
- 0% APR Introductory Rate period: 15 billing cycles if you transfer a balance in the first 60 days of opening your account
- High rewards rate
- High Welcome Bonus
- Bonus categories
- Annual fee
- Must enroll each quarter
- Foreign transaction fee
What are the eligible 6% bonus categories for this card?
The card offers 6% cash back at retailers like Apple, Amazon.com, Best Buy, Home Depot, Target, and more. The list is subject to change
How quickly can I get a decision on my card application?
You can receive a decision in as little as 60 seconds when applying for the U.S. Bank Shopper Cash Rewards Visa Signature Card.
What are some additional benefits of the U.S. Bank Shopper Cash Rewards Visa Signature Card?
Card benefits include purchase security, extended warranty protection, return protection, ID Navigator identity theft protections, and special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Can cash back be redeemed for travel rewards with this card?
The redemption options are primarily cash-based, and travel transfer partners are not available.
Chase Freedom Flex℠ Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
If you have a high credit score and want a card to capture your spending habits with no extra cost. The Chase Freedom Flex℠ Card has a $0 annual fee, and you can earn .
The sign up bonus includes .
- Rewards Plan: 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
- APR: 20.49%–29.24% variable
- Annual fee: $0
- Balance Transfer Fee: $5 or 5% (the greater)
- Foreign Transaction Fee: 3%
- Sign Up bonus: $200 bonus after you spend $500 on purchases in the first 3 months from account opening
- 0% APR Introductory Rate period: 15 months on purchases and balance transfers
- Sign Up Bonus
- No Annual Fee
- 0% Intro APR
- Protection & Free Credit Score
- Higher cashback Bonuses has a Cap
- Balance Transfer Fee
- Foreign Transaction Fee
- Is there a limit to cashback? There is a cap on the bonus categories whereby it will cover up to $1,500 of relevant purchases per quarter.
- Can I get car rental insurance with a Chase Freedom Flex card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
- What are Chase Freedom Flex card income requirements? No specific income requirements and it does not usually ask for proof of income requirements.
- Does card Chase Freedom Flex offer pre approval? Yes, you can get pre-approval.
- What is the initial credit limit of the Freedom Flex? The initial credit limit varies, but can often be between $300 and $1,000. The average limit for this card is $3,000.
- How do I redeem cashback? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
- What purchases don't earn cashback? All purchases earn cashback with this card.
- Should You Move to Chase Freedom Flex card? This is a good fit for people who are looking for good cashback rates, as well as getting access to quarterly bonus categories for enhanced rates.
- How hard is it to get it? It is not very hard to get this type of card once you meet all of the straightforward requirements.
- How to maximize rewards on Chase Freedom Flex card? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards. To maximize rewards, you should make sure that you take advantage of the bonus categories and leave the other types of purchases that are not covered by an enhanced rate to another card. This is because you will only get 1% cashback on non-covered purchases.
- Top Reasons NOT to get the Chase Freedom Flex card? If you make a lot of purchases