Chase has 2 great no annual fee cards that pair nicely with premium Ultimate Rewards cards: Freedom and Freedom Unlimited.
The Freedom card earns 5X in rotating quarterly categories on up to $1,500 per quarter in combined spending. The Freedom Unlimited earns 1.5X on all purchases with no cap.
Lots of peeps ask which is better. To which I always answer: it depends on how much you like the bonus categories. But there’s a longer answer even beyond that: how much to you plan to spend on the card each year?
Let’s talk about the break even point and which is better for your finances.