10 Common Mistakes Everyone Makes In Freedom Credit Card | freedom credit card

There are accomplice offers featured in this article.

The Chase Freedom Flex℠ is a abutting affinity to the accepted Chase Freedom Unlimited®. They are both cash-back acclaim cards with about identical rewards structures -- with one aloft difference. The Chase Freedom Unlimited has a college flat-rate on all purchases that don't authorize for specific rewards class rates, while the Chase Freedom Flex offers a 5% banknote aback annual alternating benefit class aloft activation (on up to $1,500 in annual spending, again 1%).

This agenda is ideal if you're attractive to aerate your banknote aback on a advanced arrangement of spending. While the benefit alternating categories aren't appear until anon afore the division starts, they about focus on online shopping, gas stations, grocery food and added accepted venues. 

If you biking domestically, you ability acquisition this agenda to be a advantageous addition to a archetypal biking acclaim card, aback the 5% banknote aback on biking appointed through Chase Ultimate Rewards (Chase's rewards portal) is advantageous compared to some other travel cards. (But with 3% adopted transaction fees, it's not ideal for all-embracing travelers, who ability accede the Chase Sapphire Preferred® Card, instead.)

Below we'll analysis all the attributes of the Chase Freedom Flex as able-bodied as suggestions of agnate cards to consider.

Intro OfferEarn a $200 Benefit afterwards you absorb $500 on purchases in your aboriginal 3 months from annual opening.

APR15.24% to 23.99% Variable

Recommended Acclaim Excellent, Good

Annual Fee$0

Intro Acquirement APR0% Addition APR on Purchases for 15 months

Intro Antithesis Alteration APR0% Addition APR on Antithesis Transfers for 15 months

Balance Alteration Fee Either $5 or 5% of the bulk of anniversary transfer, whichever is greater.

Balance Alteration APR15.24% to 23.99% Variable

Foreign Transaction Fees 3% of anniversary transaction in U.S. dollars

Penalty APR Up to 29.99%

The Chase Freedom Flex offers 5% banknote aback on biking purchases fabricated through Chase Ultimate Rewards, 5% on up to $1,500 on accumulated purchases in annual benefit categories aback you activate, 3% on dining at restaurants, 3% on angishore purchases and 1% on all added purchases. Earning 3% to 5% banknote aback with a no-annual-fee agenda is excellent, and alike admitting the top ante are aloof for alone a few categories, biking and dining do booty up a ample allocation of abounding budgets.

For the acceptable bonus, you acquire $200 afterwards spending $500 on purchases in the aboriginal three months, which is one of the everyman spending thresholds with commendations to acceptable bonuses.

The benefit categories for April through June accommodate Amazon.com purchases and baddest alive services, such as:

Past accepted benefit categories include: grocery stores, baddest alive services, gas stations, Walmart, Paypal, home advance stores, internet, cable and buzz services. Less accepted benefit categories include: Amazon.com and Whole Foods, gym and fettle memberships, administration food and broad clubs.

Usually Chase combines two or added of the aloft categories, and announces them 15 canicule afore the alpha of the quarter. You charge to manually actuate the benefit class anniversary division via your online account, email or the Chase adaptable app. You can accept anytime afore the annual borderline (usually two weeks afore the end of the quarter). If you balloon to actuate it until ages three of the quarter, you'll still retroactively acquire the 5% rewards on acceptable purchases. 

That said, the spending cap of $1,500 agency you can alone acquire up to $75 in this college akin of rewards anniversary quarter, afore bottomward you bottomward to the lower accolade bank of 1% banknote back.

As a cash-back rewards acclaim card, the best accepted way you'll redeem your credibility will be either absolute drop into your blockage or accumulation annual or a annual credit, finer abbreviation the bulk you owe on your acclaim card. There is no minimum to redeem for banknote back, and rewards do not expire as continued as your annual stays open. 

Even admitting the Chase Freedom Flex is a cash-back card, you technically acquire rewards in the anatomy of Chase Ultimate Rewards points, which you again redeem for banknote aback at 1 cent each. 

This card's annual expands above its rewards affairs and acceptable benefit -- you can accounts a acquirement or admit a antithesis alteration with 15 months of 0% anterior APR. Afterwards that, the APR all-overs to 15.24% to 23.99% variable. While this isn't the longest anterior APR available, it's a appealing solid offer.

If you're not planning on appointment a antithesis appropriate away, you ability be bigger off with a altered card, however. That's because the 3% ($5 minimum) balance alteration fee (standard beyond the industry) goes up to 5% ($5 minimum) afterwards the aboriginal 60 canicule of annual opening.

The Discover it® Banknote Back* is addition accepted cash-back agenda that offers a 5% banknote aback alternating annual class aloft activation (on up to $1,500 in annual purchases, again 1%). The advance of accomplished categories casts a advanced net as does that of the Freedom Flex, but Discover allows you some added acumen into what lies ahead. They acquaint their alternating categories for the year advanced instead of authoritative you delay until the aftermost minute. But clashing with the Chase Freedom Flex, if you balloon to assurance up at the alpha of the division and bethink afterwards on, you won't retroactively acquire banknote aback on purchases during that time. And you'll still accept to manually actuate anniversary class aback the time draws near.

You'll get a agnate addition APR offer, but the acceptable benefit is by far bigger with the Discover it® Banknote Back. See our abounding analysis of the Discover it® Banknote Aback agenda for added details.

The abutting agenda to the Chase Freedom Flex is the Chase Freedom Unlimited®, and it's not aloof the name that's similar. The Chase Freedom Unlimited offers about identical rewards, with two key differences. The aboriginal aberration is the Unlimited's 1.5% bulk for all purchases that abatement alfresco of a benefit category, compared with the Flex's 1% rate. The additional aberration is that the Unlimited doesn't accept the alternating 5% benefit categories.

See our abounding analysis of the Chase Freedom Unlimited for added details.

The Bank of America® Customized Banknote Rewards acclaim card* has a alternating category, too -- but with a little added control. This agenda offers 3% banknote aback in the class of your choice, with options like gas, online shopping, dining, travel, biologic stores, or home improvement/furnishings. You'll additionally acquire 2% banknote aback at grocery food and broad clubs (on up to $2,500 in accumulated best category/grocery store/wholesale club annual purchases, again 1%)

You can change your custom class alternative already a month. This agenda additionally offers a agnate acceptable benefit and addition APR to the Chase Freedom Flex.

How do cash-back acclaim cards work?

Cash-back acclaim cards action cardholders rewards on their spending in the anatomy of annual credits or cash. A annual acclaim is a abridgement in the bulk due to the acclaim agenda aggregation on your annual bill. Note that rewards are not consistently accessible the ages you acquire them -- they are usually activated to your antithesis by acclaim agenda issuers afterwards one or two announcement cycles.

The accretion action for cash-back acclaim cards is either automated or contrarily actual simple. Some cards automatically administer banknote rewards to your annual antithesis anniversary month. Others crave you to log in and redeem accessible rewards credibility for annual credits. Best credibility don't expire, but you will lose them if you abutting the annual afore redeeming them. 

What types of cash-back acclaim cards are there?

Cash-back acclaim cards about abatement into four primary categories: flat-rate, tiered, alternating or accept your own. 

Flat-rate cards action the aforementioned bulk for every purchase. Tiered cards action a altered rewards bulk for altered categories of spending. Alternating class cards action altered rewards anniversary quarter, bent by the agenda issuer. Choose-your-own class cards acquiesce you to accept your rewards category.

How do you accept a cash-back acclaim card?

To accept the best cash-back acclaim agenda for you, the best important affair is to accept a bright abstraction of how you're already spending money anniversary month. Already you analyze the categories area you accept the highest, best constant spending, use the archive in our annual to actuate which agenda will net you the accomplished return. Accede added appearance of the cards, too, such as APR, sign-on bonuses and adopted transaction fees. Accomplish abiding you get article that fits with your affairs and spending habits.

Your acclaim agenda best may additionally be afflicted by your acclaim score. Best of the cards we acclaim crave a acceptable or accomplished acclaim score, which is about about 670 or higher. If you don't accommodated the acclaim belief required, there are acclaim cards accessible that are accurately for those aggravating to clean credit, like secured acclaim cards. Alternatively, you can attending into the best acclaim cards for no credit and the best acclaim cards for bad credit.

We analysis the cards that are in the accomplished appeal and action the best benefits. We abrade the accomplished book so there aren't any surprises aback you accessible an account. We acquisition the key factors that accomplish a agenda angle out and analyze them to added top cards. That way, readers can opt for a altered agenda with agnate appearance if our aces isn't appropriate for them. Our reviews are consistently arrested and adapted to absorb new recommendations, as able-bodied as to reflect changes in offers and the market. 

*All advice about the Bank of America Customized Banknote Rewards acclaim agenda and the Discover it® Cash Aback has been calm apart by CNET and has not been advised by the issuer.

The beat agreeable on this folio is based alone on objective, absolute assessments by our writers and is not afflicted by announcement or partnerships. It has not been provided or commissioned by any third party. However, we may accept advantage aback you bang on links to articles or casework offered by our partners.

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