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Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Full benefits & perks
- 5% cash back on rotating quarterly bonus categories (up to $1,500 in combined purchases per quarter when you activate, then 1%) — past categories have included grocery stores, gas stations, Amazon, PayPal, and more
- 5% cash back on travel purchased through Chase Travel
- 3% cash back at drugstores and on dining, including takeout and eligible delivery
- 6 months of complimentary DashPass — activate by December 31, 2027 (auto-renews at current monthly rate after free period)
- Up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027 (DashPass membership required)
- 2% cash back on Lyft rides through September 30, 2027
- Cell phone protection up to $800 per claim and $1,000 per 12-month period against theft or damage when you pay your monthly phone bill with the card (max 2 claims per 12 months, $50 deductible)
- Trip cancellation and interruption insurance, purchase protection, and extended warranty coverage
- Pairs with Chase Sapphire Preferred® Card to unlock transfer partners
- No annual fee
- Note: this card has a foreign transaction fee and is not ideal for international purchases
My thoughts
This card earns cash back on its own, but like the Freedom Unlimited, the real magic happens when you pair it with a Sapphire Preferred. The points become transferable to airlines and hotels and are worth a lot more. The rotating 5% categories are where this card shines. Past categories have included Amazon, grocery stores, gas stations, and PayPal, which are things most people spend on regularly anyway. The catch is you have to remember to activate each quarter, but it's easy to do online or in the app, and there is a $1,500 spending cap per quarter in those categories. If you like being a little strategic about maximizing points, this is a great card to have in your wallet alongside the Freedom Unlimited. No annual fee means there is no reason not to keep it open forever.
How to use your points
On its own this card earns cash back, but pair it with a Sapphire Preferred and the points become transferable. Here are the best ways to use them:
- Move points to a Sapphire Preferred to unlock transfer partners — learn how to combine points
- Redeem as cash back as a statement credit
- Book through Chase Travel for flights, hotels, and rental cars
A great no-fee card that rewards you for spending in categories you already use.
- No annual fee means zero risk — a great long-term keeper
- The $200 welcome offer for just $500 in spending is one of the easiest bonuses out there
- The rotating 5% categories have included Amazon, groceries, and gas — things most people spend on anyway
- Pair it with a Sapphire Preferred to turn cash back into transferable travel points
- Remember to activate your quarterly categories or you will miss the 5% bonus!
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Opinions expressed here are the 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.