After the promo period expires, you might benefit by getting a low ongoing rate depending on your credit score.Ĭomplimentary purchase and travel protection might come in handy in various scenarios, such as if you miss your flight or an item is damaged or stolen after you buy it. You'll enjoy 15 months with no interest to pay off your transferred balances. Cardholders can also eliminate interest on existing debt with a balance transfer. Another plus is that the cash back rewards you earn don't expire for the life of the card.Īn introductory 0% APR on purchases for the first 15 months enables you to make big-ticket purchases without having to pay interest - provided you repay the entire amount during the introductory period. Additionally, spending a minimum of $12,000 on groceries in the first year (except at Walmart and Target) can earn you an easy $600 cash back. In the first three months of account opening, you can earn a $200 bonus after you spend $500 on purchases. We're in love with the Chase Freedom Unlimited® because it comes with no annual fee and gives you the ability to earn unlimited rewards. You also get Global Entry/TSA PreCheck/NEXUS fee credit and access to VIP airport lounges through one-time enrollment in Priority Pass Select.Īdditional benefits include purchase protection, return protection, extended warranty protection, trip cancellation/interruption insurance, auto rental collision damage waiver, lost luggage reimbursement, trip delay reimbursement and emergency evacuation and transportation.Īn excellent no-annual-fee card that lets you earn unlimited cash back International travelers stand to benefit by paying no foreign transaction fees. This is also the case if you redeem them through the Pay Yourself Back alternative. You stand to get 50% more redemption value when you redeem your points through Chase Ultimate Rewards. All other purchases let you earn 1X points. Other dining purchases at restaurants (including eligible delivery services, takeout and dining out) come with 3X points. Dining purchases made through Ultimate Rewards earn 10X points. Once you spend $300 in a year on travel purchases, you earn 10X points on hotels and car rentals and 5X points on flights for purchases made through Chase Ultimate Rewards. It also comes with a sizable spend-based welcome bonus. While this card charges a $550 annual fee, it offers up to $300 in statement credits as reimbursement for travel purchases each year. We recommend the Chase Sapphire Reserve® Card to travelers who are willing to pay a high annual fee to earn rewards faster and enjoy premium benefits. This card offers up to 5% cash back through its bonus categories.Īn outstanding travel card with flexible redemption points Like the Freedom Unlimited Card, each dollar you earn as cash back through this card translates to 100 Ultimate Rewards points. The no-annual-fee Chase Freedom Flex Card is a good alternative for earning Ultimate Rewards points. An introductory low APR offer applies to balance transfers and purchases. You also get the ability to earn extra cash back during the first year. The Freedom Unlimited Card has a spend-based welcome offer that lets you earn bonus cash back. All other purchases come with 1.5% cash back. You get 3% cash back at restaurants (including eligible delivery and takeout services) and on drugstore purchases. This card offers 5% cash back (5X points per dollar) on travel purchases made through Chase Ultimate Rewards. Every dollar you earn as cash back equals 100 Ultimate Rewards points. While Chase markets it as a cash back card, it comes linked to the Ultimate Rewards program. We’ve selected the no-annual-fee Chase Freedom Unlimited Card as the best card to earn Ultimate Rewards points. BEST OVERALL CREDIT CARD TO EARN ULTIMATE REWARDS POINTS
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