Chase Freedom Flex

Annual Fee: $0

Earn $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

Our thoughts: The Chase Freedom Flex is a great no annual fee card with 5% rotating bonus categories, 3% dining and drugstore, and a decent signup bonus. Note that with a Sapphire Card, the $200 bonus turns into 20,000 transferable points.

How to earn points:

5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter.

5% cash back on travel booked through the Chase Travel Portal

3% cash back on dining at restaurants and drugstore purchases

1% cash back on everything else

Notable rebates and perks:

With a Sapphire card, the Ultimate Rewards earned with this card can be transferred to Chase’s valuable partners.