If you don’t plan to book a lot of trips-or don’t want to use the Chase Ultimate Rewards portal to do so-a card with a higher base rewards rate might suit you better. If you spend $3,000 a month-typical among Wall Street Journal readers who use credit cards-and assuming that you spend $10,000 over the course of the year on travel, you will earn $1,190 in cash back rewards in your first year with the card, and $890 in subsequent years. The current sign-up promotion gives you an extra 1.5% cash back on all spending up to $20,000 in your first year-a bonus worth up to $300 if you max it out. It offers 5% cash back on travel booked through Chase, 3% on restaurant and drugstore spending, and 1.5% on most other spending. The potential rewards can be big, especially if you have big travel plans. The Chase Freedom Unlimited card has no annual fee, so you won’t pay to use the card at all if you pay your balance in full every month. Nonetheless, the card’s hard-to-beat rewards rate when you book through Chase makes it Buy Side from WSJ’s pick for Best Cash Back Card for Travel. But there is a 3% foreign transaction fee, making it less than optimal for international trips. In addition, there are accelerated rewards for a couple of other categories of spending-3% back each on dining (including takeout and delivery) and drugstore purchases.Ĭhase Freedom Unlimited has no annual fee. Sign-up bonus: Additional 1.5% cash back on spending up to $20,000 in the first year.Bonus rewards: 5% on travel booked through Chase, 3% on dining and drug stores.
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