The Chase Freedom Flex® is the best no-annual-fee credit card for people who are willing to track and activate rotating 5% cash back categories. Each quarter, Chase announces new bonus categories — historically including grocery stores, gas stations, Amazon, PayPal, and streaming services — and you earn 5% cash back on up to $1,500 in combined purchases in those categories after activation.
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On top of the rotating 5%, the card earns a permanent 3% on dining and drugstores and 1% on everything else. Like the Chase Freedom Unlimited, it pairs with Chase Sapphire cards to unlock airline and hotel transfer partners.
Chase Freedom Flex®