Apply for Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Apply now
Apply for Capital One Venture X Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply.
See rates & fees
Partner Offer.
Apply for Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Earn 75,000 miles intro bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Apply now
Apply for Capital One Venture X Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply.
See rates & fees
Partner Offer.
2 - 10X miles
$395
19.99% - 29.24% (Variable)
(740-850)Excellent
The Capital One Venture X Rewards Credit Card benefits
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
Best luxury travel rewards card

The Platinum Card® from American Express

Apply for The Platinum Card® from American Express
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
Apply for The Platinum Card® from American Express
at American Express's secure site

Rewards

5X points
5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.

Intro offer

As High As 175,000 points. Find Out Your Offer.
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Annual Fee

$695

Recommended Credit

Excellent to Good
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption. 

Pros

  • The current welcome offer on this card is lucrative
  • Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)
  • The Amex Platinum has access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan your next getaway
  • Additional valuable card statement credits add up to save you hundreds of dollars every year

Cons

  • If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee
  • The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards
  • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
  • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees
Apply for The Platinum Card® from American Express
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best luxury travel rewards card

The Platinum Card® from American Express

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review

Rewards Rate

5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.

  • Intro Offer
    You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

    As High As 175,000 points. Find Out Your Offer.

  • Annual Fee

    $695

  • Recommended Credit
    Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    Excellent to Good

Why We Chose It

For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption. 

Pros

  • The current welcome offer on this card is lucrative
  • Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)
  • The Amex Platinum has access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan your next getaway
  • Additional valuable card statement credits add up to save you hundreds of dollars every year

Cons

  • If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee
  • The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards
  • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
  • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for Freelancers

Ink Business Unlimited® Credit Card

Apply for Ink Business Unlimited® Credit Card
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for Ink Business Unlimited® Credit Card
at Chase's secure site

Rewards

1.5% cash-back
1.5%Earn unlimited 1.5% cash back on every purchase made for your business

Intro offer

Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Annual Fee

$0

Recommended Credit

670-850
Good, Excellent
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for earning cash back on business expenses. It can also be paired with another Ultimate Rewards card to convert its cash back into valuable Ultimate Rewards points. Because the card is tailored to small businesses, freelancers and sole proprietors are more likely to be approved.

Pros

  • No annual fee
  • Flat 1.5% cash back on all purchases
  • Primary insurance for car rentals
  • Shopping protections
  • Cash back can become points when paired with an eligible card

Cons

  • Lacks bonus categories
  • High spending requirement to receive the welcome bonus
  • No conversion to Ultimate Rewards points without holding another eligible Chase card
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Apply for Ink Business Unlimited® Credit Card
at Chase's secure site
Terms & restrictions apply. See rates & fees
Best for Freelancers

Ink Business Unlimited® Credit Card

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

1.5%Earn unlimited 1.5% cash back on every purchase made for your business

  • Intro Offer
    Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

    Earn $750 bonus cash back

  • Annual Fee

    $0

  • Recommended Credit
    Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Good, Excellent

Why We Chose It

The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for earning cash back on business expenses. It can also be paired with another Ultimate Rewards card to convert its cash back into valuable Ultimate Rewards points. Because the card is tailored to small businesses, freelancers and sole proprietors are more likely to be approved.

Pros

  • No annual fee
  • Flat 1.5% cash back on all purchases
  • Primary insurance for car rentals
  • Shopping protections
  • Cash back can become points when paired with an eligible card

Cons

  • Lacks bonus categories
  • High spending requirement to receive the welcome bonus
  • No conversion to Ultimate Rewards points without holding another eligible Chase card
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
BEST REWARDS CARD FOR NON-BONUS SPENDING

Capital One Venture Rewards Credit Card

Apply for Capital One Venture Rewards Credit Card
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
Apply for Capital One Venture Rewards Credit Card
at Capital One's secure site

Rewards

2 - 5X miles
5 Miles5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 Miles2 Miles per dollar on every purchase, every day

Intro offer

Earn 75,000 miles
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you’re looking for a credit card that provides simple ways to earn rewards and plenty of ways to redeem them, look no further than the Capital One Venture Rewards card. Cardholders can transfer points to 15-plus transfer partners and use miles to pay for travel purchases.

Pros

  • Stellar welcome offer of 75,000 miles after spending $4,000 on purchases in the first three months from account opening.
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners

Cons

  • Highest bonus-earning categories only on travel booked via Capital One Travel
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
Apply for Capital One Venture Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply. See rates & fees
BEST REWARDS CARD FOR NON-BONUS SPENDING

Capital One Venture Rewards Credit Card

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review

Rewards Rate

5 Miles5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 Miles2 Miles per dollar on every purchase, every day

  • Intro Offer
    Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening

    Earn 75,000 miles

  • Annual Fee

    $95

  • Recommended Credit
    Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent, Good

Why We Chose It

If you’re looking for a credit card that provides simple ways to earn rewards and plenty of ways to redeem them, look no further than the Capital One Venture Rewards card. Cardholders can transfer points to 15-plus transfer partners and use miles to pay for travel purchases.

Pros

  • Stellar welcome offer of 75,000 miles after spending $4,000 on purchases in the first three months from account opening.
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners

Cons

  • Highest bonus-earning categories only on travel booked via Capital One Travel
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
BEST FLAT-RATE CASH BACK CARD

Chase Freedom Unlimited®

Apply for Chase Freedom Unlimited®
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for Chase Freedom Unlimited®
at Chase's secure site

Rewards

1.5 - 5% cash-back
5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.

Intro offer

Earn $200 cash back
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you’re new to points, then this is the perfect beginner card. Approval is relatively easy, and the card helps you build a relationship with Chase so you can eventually get some of the issuer’s more valuable cards, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. If you already have another Chase card that earns Ultimate rewards, you can transfer your earnings into points.

Pros

  • At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
  • No annual fee
  • Perfect for everyday, non-bonus spending
  • Offers great value when paired with a premium Chase card

Cons

  • 3% foreign transaction fee
  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Apply for Chase Freedom Unlimited®
at Chase's secure site
Terms & restrictions apply. See rates & fees
BEST FLAT-RATE CASH BACK CARD

Chase Freedom Unlimited®

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.

  • Intro Offer
    Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Earn $200 cash back

  • Annual Fee

    $0

  • Recommended Credit
    Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

If you’re new to points, then this is the perfect beginner card. Approval is relatively easy, and the card helps you build a relationship with Chase so you can eventually get some of the issuer’s more valuable cards, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. If you already have another Chase card that earns Ultimate rewards, you can transfer your earnings into points.

Pros

  • At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
  • No annual fee
  • Perfect for everyday, non-bonus spending
  • Offers great value when paired with a premium Chase card

Cons

  • 3% foreign transaction fee
  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Advertiser disclosure

The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That’s why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.

When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear. While we don’t cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.