[In Branch]Chase Freedom Flex/Freedom Unlimited: $250 Bonus + 5% Back On Groceries (Up To $12k) First Year

The Offer

No direct link to offer. Available in branch only

  • Chase is offering an additional bonus on the Chase Freedom Flex and Chase Freedom Unlimited cards. You can currently get the standard $250 sign up bonus after $500 in spend and in additional the card will earn 5% cashback on all grocery store purchases in the first year up to $12,000 in spend

Card Details

Freedom Flex

  • No annual fee
  • Card earns the following points rates:
    • 5% on rotating Quarterly Categories on up to $1,500 in total purchases (e.g. Q4 2020 will be PayPal and Walmart)
    • 5% on Travel purchased through Chase Ultimate Rewards
    • 3% on Dining 
    • 3% on Drugstore 
    • 5% on Lyft through March 2022
    • 1% unlimited cash back 

Freedom Unlimited

  • No annual fee
  • Card earns 1.5% cash back on all purchases

The Fine Print

Freedom:

  • 5% Back in the grocery store category (excluding Walmart and Target) until the earlier of the end of your first 12 months or first $12,000 spent: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases in the grocery store category (excluding Walmart and Target) made within your first 12 months from account opening, or until you reach $12,000 in grocery store purchases, whichever occurs first (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). The additional 4% Cash Back rewards will appear on your billing statement in a separate line from the base 1% Cash Back rewards.

Freedom Unlimited:

  • 5% Cash Back in the grocery store category (excluding Walmart and Target) until the earlier of the end of your first 12 months or first $12,000 spent: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases in the grocery store category (excluding Walmart and Target) made within your first 12 months from account opening, or until you reach $12,000 in grocery store purchases, whichever occurs first (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the base 1.5% Cash Back rewards.

Our Verdict

Same as the $200 offer available online, this is just an extra $50 when applying in branch. Definitely worth doing if you were already considering the $200 offer. Will add this to our list of the best credit card bonuses. For more details on this offer I’d recommend reading the original $200 offer post.

Hat tip to Faust_XX

Source: doctorofcredit.com

13 Best 0% APR No-Interest Credit Cards – Reviews & Comparison

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

Unforeseen emergencies such as car problems that require expensive repairs or medical treatments with high out-of-pocket costs can blindside even the most responsible consumers. If you can’t afford to pay for an urgent purchase or expense out of your own pocket, you may have no choice but to use a credit card.

The good news is there’s no shortage of credit cards that make it easy to charge big-ticket purchases or expenses without accumulating interest from day one. Dozens of credit cards come with 0% introductory purchase APR periods, many of which last 12 months or longer.

Although every introductory APR period eventually comes to an end, the opportunity to get a head start on repaying big purchases without worrying about ballooning interest is invaluable.


Best Credit Cards With 0% APR Interest on Purchases

These are the best credit card offers with 0% purchase APR promotions on the market today.

Although most charge no annual fee, some carry miscellaneous fees and charges that can raise the cost of card ownership prior to the end of the intro APR period and beyond. Each credit card company has its own way of doing things on this front.

Pay attention to each card’s regular (post-promotion) purchase APR too. Some of these cards stake their reputations on low ongoing APRs (low interest), while others are less generous, especially to cardholders without excellent credit.

And don’t sleep on these cards’ rewards programs either, as some count among the best cash-back cards on the market.


1. Citi® Double Cash Card

0% APR on Balance Transfers for 18 Months; 1% Cash Back When You Spend and 1% Cash Back When You Pay Your Balance

Citi Double Cash Card Art 12 4 19

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The Citi® Double Cash Card‘s 18-month 0% APR balance transfer promotion is among the best in the cash-back category and makes it one of the best balance transfer credit cards overall. If you’re struggling with high-interest credit card debt and seek a payoff method that earns a nice return on spending and has a modest balance transfer fee, Double Cash is a top contender.

To be sure, Citi Double Cash’s two-tiered cash-back program is the main attraction for most new applicants.

Cardholders earn 1% cash back on all eligible purchases when they make them, then another 1% cash back when they pay off those purchases. Pay your statement in full each month to effectively earn 2% cash back on virtually all card transactions, with no bonus categories to worry about.

Just be mindful that cash back expires after 12 months of account dormancy (meaning no purchases or redemptions).

  • Introductory APR: Enjoy 0% APR on balance transfers for 18 months (billing cycles), then variable regular APR applies. Qualifying transfers must be made within four months of account opening. Following the end of the promotional period, variable APR will be 13.99% to 23.99%, based on your creditworthiness.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%.
  • Sign-Up Bonus: There’s presently no sign-up bonus on the Citi Double Cash Card.
  • Other Perks: This card comes with a standard package of Citi perks.

See our Citi Double Cash Card review for more information. Learn more about this card and find out how to apply here.

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2. Chase Freedom Unlimited® Credit Card

0% APR on Purchases for 15 Months; Up to 5% Cash Back on Eligible Purchases

Chase Freedom Unlimited Credit Card

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The Chase Freedom Unlimited® Credit Card is first and foremost a cash-back credit card. With no annual fee and a flat return of unlimited 1.5% cash back on most eligible purchase spending, it’s among an elite cadre of premium cash-back products for everyday spending.

Freedom Unlimited doesn’t stop at 1.5% cash back. Select purchases earn more:

  • Unlimited 5% cash back on eligible purchases through Chase Travel
  • Unlimited 3% cash back on eligible drugstore and restaurant purchases (including takeout and eligible delivery)

Freedom Unlimited also has a strong 0% APR introductory offer: 15 months at 0% APR on purchases. If you’re planning to finance a major purchase in the near future, why not opt for a 0% APR offer that earns cash back too?

  • Introductory APR: There is a 0% APR on purchases for 15 months (billing cycles). After that, variable regular APR applies (currently 14.99% to 23.74%, depending on your creditworthiness).
  • Key Fees: There is no annual fee, but foreign transactions cost 3%.
  • Sign-up Bonus: Earn $200 bonus cash when you spend $500 on qualifying purchases within three months of account opening. Plus, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year. This benefit does not include grocery purchases at Target or Walmart.
  • Other Perks: Other perks include extended warranty coverage and complimentary secondary coverage on car rentals purchased in full with your card.

See our Chase Freedom Unlimited® Credit Card review for more information. Find out how you can apply for this card here.

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3. Chase Freedom Flex℠ Credit Card

0% APR on Purchases for 15 Months; Up to 5% Cash Back on Eligible Purchases

Chase Freedom Flex Card Art 1 28 21

Apply Now

The Chase Freedom Flex℠ Credit Card earns 5% cash back on the first $1,500 in eligible purchases in quarterly rotating bonus cash back categories, plus unlimited 5% cash back on eligible purchases through Chase Travel and 3% cash back on eligible drugstore and restaurant purchases (including takeout and eligible delivery).

All other eligible purchases earn 1% cash back. And a nice sign-up bonus packs an additional punch for new cardholders.

That’s all on top of the 15-month 0% APR promotion on purchases, after which variable regular APR applies.

  • Introductory APR: There is a 0% APR on purchases for 15 months. After that, variable regular APR applies (currently 14.99% to 23.74%, depending on your creditworthiness).
  • Key Fees: There is no annual fee. Foreign transactions cost 3%.
  • Sign-up Bonus: Earn $200 bonus cash when you spend $500 on qualifying purchases within three months of account opening. Plus, earn 5% cash back on grocery store purchases up to $12,000 spent in the first year, excluding grocery purchases at Target or Walmart.
  • Other Perks: Additional perks include extended warranty coverage and complimentary secondary coverage on car rentals purchased in full with your card.

See our Chase Freedom Flex Credit Card review for more information. Find out how to apply for this card here.

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4. Citi Custom Cash℠ Card

0% APR on Purchases and Balance Transfers for 15 Months From Account Opening

Citi Custom Cash Card Art 6 10 21

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The Citi Custom Cash℠ Card has one of the best 0% APR introductory promotions of any no-annual-fee cash back credit card: 15 months from account opening for both purchases and balance transfers. Following the end of the promotional period, variable APR will be 13.99% to 23.99%, based on your creditworthiness.

The sign-up bonus and ongoing rewards program (with automatic rotating categories that require no activation) provide even more incentive to use Custom Cash early and often.

  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for 15 months. Thereafter, variable regular APR applies (currently 13.99% to 23.99%, based on your creditworthiness).
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the transaction amount.
  • Sign-up Bonus: Earn $200 cash back after you spend $750 in the first 3 months of card membership. This bonus is fulfilled as 20,000 ThankYou points.
  • Other Perks: This card has a two-tiered cash-back program that earns 5% cash back on the first $500 in purchases in your top eligible spending category each month (then 1% cash back on purchases above the cap) and 1% cash back on all other eligible purchases. Spending categories that qualify for bonus cash include restaurants, gas stations, select travel, select transit, select streaming services, live entertainment, home improvement stores, and drugstores. Plus, this card has a generous slate of value-added Mastercard benefits.

Learn more about this card and find out how to apply here.

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5. Wells Fargo Active Cash℠ Card

0% Intro APR on Purchases and Balance Transfers for 15 Months; Unlimited 2% Cash Rewards on Eligible Purchases

Wells Fargo Active Cash Card Art 8 5 21

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As you might guess from the name, the Wells Fargo Active Cash℠ Card is first and foremost a cash back credit card. Its rewards program is similar to the Citi Double Cash card’s, featuring:

  • Unlimited 2% cash rewards on all eligible purchases.
  • No rewards categories that change periodically.
  • No expiration dates for rewards for accounts that remain open and in good standing.
  • A sign-up bonus worth $200 in cash rewards after you spend $1,000 on eligible purchases in the first 3 months.

Wells Fargo Active Cash is also an excellent 0% APR card for new cardholders. Its 0% intro APR period lasts for 15 months from account opening and applies to both purchases and balance transfers, though qualifying balance transfers must occur within the first 120 days. That should be plenty of time to pay down those pesky high-interest credit card balances or pay off front-loaded purchases.

  • Introductory APR: This card offers 0% APR on purchases and qualifying balance transfers for 15 months. Qualifying balance transfers must occur within 120 days of account opening. Following the end of the promotional period, regular variable APR applies (currently 14.99% to 24.99% variable APR).
  • Sign-Up Bonus: Spend at least $1,000 in eligible purchases in the first 3 months of card membership to earn a $200 cash rewards bonus.
  • Key Fees: There’s no annual fee. The foreign transaction fee is a flat 3%.
  • Other Perks: Get up to $600 in coverage for eligible damage and theft on your cell phone, less a $25 deductible. Just pay your cell phone bill in full with your Wells Fargo Active Cash card.

Learn more about this card and find out how to apply here.

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6. Capital One Quicksilver Cash Rewards Credit Card

0% Purchase APR for 15 Months From Account Opening; 1.5% Cash Back on All Eligible Purchases

capital one quicksilver cash rewards credit card

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The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash-back credit card with an unusually long 0% APR intro promotion on purchases only: 15 months from account opening. Pair that with a very generous early spend bonus and you’ve got ample reason to open an account.

Moving forward, enjoy 1.5% cash back on all eligible purchases. Redeem your rewards in any amount for a statement credit against prior purchases or a paper check — your preference.

  • Introductory APR: 0% introductory purchase APR for 15 months after account opening. Then, variable regular APR applies (currently 15.49% to 25.49%, depending on your creditworthiness).
  • Key Fees: There’s no annual fee or foreign transaction fee.
  • Early Spend Bonus: After you spend $500 on eligible purchases in the first three months, you’ll earn $200 bonus cash (one-time).
  • Other Perks: This card comes with additional purchase and travel protections at no additional out-of-pocket cost.

See our Capital One Quicksilver Cash Rewards Credit Card review for more information. Learn more about this card and find out how to apply here.

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7. U.S. Bank Visa® Platinum Card

0% Intro Purchase and Balance Transfer APR for 20 Months

U.s. Bank Platinum Card Art 9 8 21

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It’s hard to get simpler than the U.S. Bank Visa® Platinum Card. For a limited time, it comes with a 20-month 0% purchase and balance transfer APR. After that, variable APR applies (currently 14.49% to 24.49%, depending on your creditworthiness and prevailing rates). Qualifying balance transfers must be made within 60 days of account opening to snag the intro APR.

Additional perks include no annual fee, a free credit score accessible through your account dashboard, and a cellphone protection plan that provides up to $600 in coverage.

  • Introductory APR: There is a 0% intro APR on purchases and balance transfers for 20 months (billing cycles) from the account opening date for your new card. After that, variable regular APR applies (currently 14.49% to 24.49%, depending on your creditworthiness and prevailing rates).
  • Key Fees: There is no annual fee. Foreign transaction fees range from 2% to 3%, depending on how the transaction is denominated.
  • Sign-Up Bonus: There’s presently no sign-up bonus.
  • Other Perks: The cellphone protection plan provides up to $600 in coverage per incident and $1,200 in coverage per year once the $25 deductible (per incident) has been met.

See our U.S. Bank Visa® Platinum Credit Card review for more information. Learn more about this card and find out how you can apply here.

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8. Citi® Diamond Preferred® Card

0% Intro Purchase and Balance Transfer APR for 18 Months

Citi Diamond Preferred Card Art 4 16 20

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Like its close cousin, the Citi Simplicity® Card, the Citi® Diamond Preferred® Card has one of the best purchase APR promotions around: 0% APR for 18 months from account opening, after which variable APR applies (currently 13.74% to 23.74%, depending on prevailing rates and your creditworthiness).

Diamond Preferred also comes with an 18-month 0% balance transfer APR for transfers made within four months of account opening, after which rates align with the regular purchase APR.

Although this card is great for cardholders looking to avoid interest charges for as long as possible, it’s not ideal for folks who crave cash back, travel rewards, or sign-up bonuses. What you see is what you get here.

  • Introductory APR: There is a 0% intro APR offer on purchases and balance transfers for 18 months. After that, variable regular APR applies (currently 13.74% to 23.74%, depending on prevailing rates and your creditworthiness).
  • Key Fees: There are no annual or late payment fees. Foreign transactions cost 3%.
  • Sign-Up Bonus: There’s presently no sign-up bonus.
  • Other Perks: This card comes with a nice lineup of standard Citi perks, including Apple Pay mobile wallet integration, customizable account alerts, EMV chip protection, and the ability to choose your payment due date.

See our Citi Diamond Preferred Card review for more information. Learn more about this card and find out how you can apply here.

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9. Citi Simplicity® Card

0% Intro Balance Transfer and Purchase APR for 18 Months

Citi Simplicity Card Art 12 4 19

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The Citi Simplicity® Card has one of the best 0% APR introductory balance transfer and purchase promotions around. Both last for 18 months from account opening, with the introductory balance transfer rate applying to all balances transferred within 120 days of account opening.

After the promo period ends, the variable regular APR (currently 14.74% to 24.74%) depends on prevailing interest rates and your personal creditworthiness. The balance transfer fee is the greater of $5 or 3% of the transferred amount.

  • Introductory APR: Enjoy 0% on purchases and balance transfers for 18 months. Thereafter, variable regular APR applies (currently 14.74% to 24.74%, depending on your personal creditworthiness and prevailing rates).
  • Key Fees: Citi Simplicity has no annual, late payment, or foreign transaction fees. Balance transfers cost the greater of $5 or 3%.
  • Sign-Up Bonus: None.
  • Other Perks: Value-added benefits include customizable payment due dates and 24/7 customer service.

See our Citi Simplicity Card review for more information. Learn more about this card and find out how to apply here.

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10. Wells Fargo Platinum Card

0% Intro APR on Purchases & Balance Transfers for 18 Months

Wells Fargo Platinum Card Art 3 2 20

The Wells Fargo Platinum Card has an 18-month 0% introductory APR on both purchases and balance transfers. This makes it a great choice for applicants who care less about racking up credit card rewards than about paying down existing high-interest debt or financing major purchases at low cost.

With no annual fee and no penalty APR, it’s an excellent choice for long-term use as well.

  • Sign-up Bonus: There’s presently no sign-up bonus.
  • Introductory APR: 0% purchase and balance transfer APR for 18 months. Thereafter, variable regular APR applies (currently 16.49% to 24.49% variable, depending on creditworthiness and prevailing rates).
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%. Balance transfers cost the greater of $5 or 3% of the transferred amount for the first 120 days, after which they cost the greater of $5 or 5% thereafter.
  • Other Perks: Enjoy access to your FICO score through your account dashboard and complimentary cellphone protection coverage that reimburses you up to $600 for eligible theft or damage claims, less a $25 deductible.

See our Wells Fargo Platinum Card Review for more information. Learn more about this card and find out how to apply here.

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11. Blue Cash Everyday® Card from American Express

0% Intro Purchase APR for 15 Months; Up to 3% Cash Back on Purchases

american express blue cash card

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The Blue Cash Everyday® Card from American Express is a no-annual-fee cash rewards credit card that boasts a 15-month 0% introductory APR on purchases (see rates and fees page). After the intro period ends, variable regular APR applies (13.99% to 23.99%), depending on creditworthiness and prevailing rates.

Blue Cash Everyday has more to offer than a generous introductory APR promotion. Its three-tiered cash-back program rewards users as follows:

  • U.S. supermarket purchases (grocery stores) earn 3% cash back up to a $6,000 annual limit, and 1% cash back after that
  • U.S. gas station and department store purchases earn 2% cash back
  • All other eligible purchases earn 1% cash back.

Plus, there’s a nice welcome offer: 20% back on Amazon.com purchases on your card in the first 6 months of account opening, up to $150 back, plus $100 back after you spend at least $2,000 on purchases within the first six months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

  • Introductory APR: There is a 0% APR on purchases for 15 months. Then variable regular APR applies, currently 13.99% to 23.99%.
  • Key Fees: There is no annual fee. The foreign transaction fee is 2.7%. See rates and fees page.
  • Welcome Offer: Earn 20% back on Amazon.com purchases on your card in the first six months after account opening, up to $150 back. Plus, earn $100 back after you spend at least $2,000 on purchases within the first six months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

See our Blue Cash Everyday® Card from American Express review for more information. Learn more and find out how you can apply for this card here.

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12. Citi Rewards+℠ Card

0% Intro Purchase and Balance Transfer APR for 15 Months; 2x Points on Supermarket & Gas Station Purchases

Citi Rewards Plus Card Art 8 12 21

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The Citi Rewards+℠ Card has a generous introductory APR promotion for purchases and balance transfers: 15 months at 0% APR on both types of transactions, with the balance transfer APR kicking in only after the first transfer.

Once the introductory period ends, variable regular APR applies (currently 13.49% to 23.49%, depending on your creditworthiness and prevailing interest rates).

This card’s rewards program is worth calling out here. Eligible supermarket and gas station spending earns 2 points per $1 spent, up to $6,000 in combined category spending per year. All other eligible spending earns an unlimited 1 point per $1 spent.

Plus, Citi rounds up rewards earned on every purchase to the nearest 10 points — turning (for example) a 5-point purchase into a 10-point purchase — and kicks back 10% of redeemed points up to the first 100,000 points redeemed each year.

Depending on how you spend and redeem, your rate of return on spending can exceed 2% on supermarket and gas station purchases and top 1% on all other purchases.

  • Introductory APR: There is a 0% introductory purchase and balance transfer APR for the first 15 months. After that, variable regular APR applies (currently 13.49% to 23.49%, depending on your creditworthiness and prevailing interest rates).
  • Key Fees: There is no annual fee. Foreign transactions cost 3%.
  • Sign-up Bonus: For a limited time, earn 20,000 bonus points after spending $1,500 on purchases within three months of account opening (worth up to $200 at redemption).
  • Other Perks: Citi Entertainment entitles you to specially priced and/or exclusive tickets, reservations, and experiences. Fees and restrictions may apply.

See our Citi Rewards+℠ Card review for more information. Learn more and find out how you can apply for this card here.

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13. Blue Cash Preferred® Card from American Express

0% Intro Purchase APR for 12 Months; Up to 6% Cash Back on Purchases

American Express Blue Cash Preferred Credit Card

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The Blue Cash Preferred® Card from American Express is one of the only cards on this list with an annual fee after the first year: $0 for the first year, then $95 each year thereafter. It makes up for this extra cost with an extremely generous cash-back rewards program. See rates and fees page.

First things first: the introductory purchase APR is 0% for 12 months, after which variable regular APR applies (currently 13.99% to 23.99%), depending on prevailing rates and your creditworthiness. See rates and fees page.

Now, for the goods: Blue Cash Preferred has the most generous cash-back program of any card on this list. Supermarket and select streaming purchases earn 6% cash back up to an annual limit of $6,000, and 1% cash back thereafter. Gas station and transit purchases earn 3% cash back. All other purchases earn 1% cash back. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

And don’t sleep on the welcome offer: When you spend at least $1,000 in eligible purchases within three months of account opening, you’ll earn a $300 bonus statement credit.

  • Introductory APR: There is a 0% APR on purchases for 12 months, after which variable regular APR applies (currently 13.99% to 23.99%).
  • Key Fees: The annual fee is $95 after the first year, and the foreign transaction fee is 2.7%.
  • Welcome Offer: Earn 20% back on Amazon.com purchases on your card in the first 6 months of account opening, up to a maximum of $200 back. Plus, earn $150 back after you spend at least $3,000 on purchases within the first 6 months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

See our Blue Cash Preferred® Card from American Express review for more information. Learn more and find out how you can apply for this card here.

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Final Word

Credit cards with 0% intro purchase APR promotions are great for financing big-ticket purchases — such as supplies for home improvement projects or wedding expenses — that you’d normally struggle to pay for out of pocket.

However, it’s essential to pay off these big-ticket items before the promotional APR expires. If you don’t, you could find yourself struggling just to make the minimum monthly payments on your card — and facing a pile of interest-accumulating credit card debt that could stay with you for a much longer period of time than the initial promotion window.

Create a plan to pay off purchases made during your 0% APR period before the rate rises. And if you expect to make many large purchases over time — perhaps to finish off that home improvement project or turn your wedding dreams into reality — look into low-APR credit cards (low-interest credit cards) with affordable regular interest rates that reduce the cost of carrying a monthly balance.

For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this rates and fees page.

For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this rates and fees page.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Source: moneycrashers.com

Chase Freedom Flex vs. Chase Freedom Unlimited

The Chase Freedom Flex℠, or the Chase Freedom Unlimited®? The card names sound similar, and, at a glance, the rewards look alike, too.

But not so fast: Although these two Chase cards have a lot in common, they feature a few key differences to keep in mind when deciding which is the best fit for you.

Both the Chase Freedom Flex and Chase Freedom Unlimited offer hefty sign-up bonuses, along with bonus cash back on dining and drugstore purchases, as well as travel purchased through Chase Ultimate Rewards.

The main difference is in the highlights of their rewards structures: The Freedom Flex card offers 5% cash back on rotating quarterly categories, while the Chase Freedom Unlimited offers a flat-rate 1.5% cash back on everything.

Read on to get a rundown of the pros and cons of each card, as well as which card is best suited for you, based on your spending habits.

Chase Freedom Flex vs. Chase Freedom Unlimited

Chase Freedom Flex℠
Chase Freedom Flex℠
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Rewards rate
  • 5% rotating quarterly categories (upon enrollment, on up to $1,500 in spending per quarter, then 1%)
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 5% cash back on Lyft purchases through March 2022
  • 3% cash back on dining
  • 3% cash back on drugstore purchases
  • 1% cash back on other purchases
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 5% cash back on Lyft purchases through March 2022
  • 3% cash back on dining
  • 3% cash back on drugstore purchases
  • 1.5% cash back on other purchases
Sign-up bonus
  • $200 if you spend $500 in first 3 months
  • 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year
  • $200 if you spend $500 in first 3 months
  • 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year
Annual fee $0 $0
Estimated ongoing yearly rewards value ($1,325 monthly spend) $493 $353
Pros
  • No annual fee
  • High rewards rate on both specific categories year-round and on rotating categories
  • Large sign-up bonus
  • Can transfer rewards to other Chase cards
  • No annual fee
  • Large sign-up bonus
  • Can transfer rewards to other Chase cards
Cons
  • Requires some maintenance
  • Can be difficult to max out rotating categories (may not always align with spending)
  • Low cash back rate on general purchases
  • Not the highest rate available on general purchases
Who should get this card?
  • Rewards maximizers
  • People who want to collect Ultimate Rewards points
  • People who like cash back variety
  • People who want to earn Ultimate Rewards points without paying an annual fee
  • People who want to keep it simple
  • People who want to earn bonus cash back in both specific categories and general purchases
  • People who want to earn Ultimate Rewards points without paying an annual fee

Chase Freedom Flex overview

The Chase Freedom Flex card offers a combination of year-round and quarterly rotating bonus cash back categories. Each quarter, you can enroll in a new bonus category from the Chase cash back calendar and earn 5% back on the first $1,500 you spend in that category (then 1% back after you reach the $1,500 threshold).

Throughout the year, you’ll also get 5% back on all travel booked through the Chase Ultimate Rewards portal, 5% cash back on Lyft purchases through March 2022, 3% back on dining and drugstore purchases and 1% back on all other purchases.

Plus, the card is currently offering a $200 bonus for spending $500 in the first three months, as well as 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.

Upsides: The opportunity to earn bonus cash back in select categories year-round and in a variety of categories each quarter.

Downsides: The complex rewards program. To get the most out of the card, cardholders must track their spending, since the 5% rate applies only to certain categories that rotate frequently and is limited to $1,500 per quarter.

Furthermore, cardholders must log in to their Chase accounts and activate their rewards category by the deadline each quarter to earn the 5% rate. For example, to earn 5% cash back during the third quarter of 2021 (on grocery stores and select streaming services), you must activate the category by Aug. 14, 2021.

Chase 5% cash back calendar 2021

Winter Spring Summer Holiday
January – March April – June July – September October – December
  • Select streaming services
  • Phone, cable and internet services
  • Wholesale clubs
  • Home improvement stores
  • Gas stations
  • Grocery stores (excluding Walmart and Target)
  • Select streaming services
TBA

Chase Freedom Unlimited overview

Like the Freedom Flex, the Freedom Unlimited earns bonus cash back on Ultimate Rewards travel (5% back) and dining and drugstore purchases (3% back), plus Lyft purchases through March 2022 (5%). However, instead of rotating cash back categories, the Freedom Unlimited offers 1.5% cash back on general purchases.

There’s also no annual fee, and no interest on purchases for 15 months from account opening (after which a variable APR of 14.99% to 23.74% applies). The card is currently offering a $200 bonus for spending $500 in the first three months, as well as 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.

Upsides: The Freedom Unlimited card offers a straightforward rewards program that allows cardholders to earn at least 1.5% on every purchase they make – with no earning caps or rotating categories. Additionally, you can earn 5% on grocery store purchases for the first year (on up to $12,000 spent; doesn’t include Target or Walmart groceries).

Downsides: Although 1.5% cash back is a substantial amount to earn on general purchases, it’s not the highest rate out there.

Best for someone who wants a simple cash back credit card: Chase Freedom Unlimited

Since the Chase Freedom Unlimited card offers a generous cash back rate on general purchases, it makes for a great all-purpose cash back card.

Cardholders automatically receive 1.5% cash back on general purchases, with no rotating categories and no cap on the amount of rewards they can earn. For those who don’t want to have to deal with activating rewards categories each quarter, this card is ideal.

Taking into account the card’s bonus categories of Ultimate Rewards travel, dining and drugstore purchases, we estimate that it carries an average rewards rate of just over 2.22% back based on typical consumer spending. As you can see from the table below, you stand to earn a fair amount of cash back each year by using the Chase Freedom Unlimited card for every purchase. We estimate that the average cardholder who spends around $1,325 on the card per month can earn around $353 in cash back per year.

If your goal is to earn the most rewards possible from your everyday spending, however, you have better options. Read on to see how you can maximize your rewards.

Scenario 1: Use Chase Freedom Unlimited for every purchase ($1,325 average monthly spend)

Average rewards rate Estimated cash back
2.22% $353

Best for someone who wants to maximize rewards: Chase Freedom Flex

For those who have the time and know-how to manage rewards categories, the Chase Freedom Flex card offers the opportunity to earn a higher rewards rate on their spending.

In addition to bonus cash back in the year-round categories of Ultimate Rewards travel, dining and drugstore purchases, cardholders receive 5% cash back in lucrative rotating categories, such as grocery stores, gas stations, online shopping and wholesale clubs.

For a cardholder who spends an average amount in the Freedom Flex’s year-round categories, we estimate that it offers a 1.72% average earning rate. This is less than the Freedom Unlimited’s 2.22% average cash back rate, but the card’s rotating cash back categories also need to be considered.

If you max out these categories each quarter, you’ll earn at least $300 in cash back per year. Combined with the card’s year-round bonus categories, that gives you an average annual total of around $493, far exceeding the amount the average user would earn with the Chase Freedom Unlimited card.

Keep in mind, however, that it may be difficult to max out every quarterly bonus category. It all comes down to how well a given category lines up with your spending and how much effort you’re willing to put into planning your purchases to maximize each category.

Scenario 2: Maximize Freedom Flex bonus categories ($1,500 quarterly spend) and spend an average amount in year-round bonus categories (total annual spend $15,900)

Quarterly bonus cash back category earnings Average rewards rate in year-round bonus categories Cash back
5% back on your first $1,500 in spending = $75 per quarter ($300 per year) 1.72% $493

Best for someone who wants to collect Chase Ultimate Rewards points: Both

Since the Freedom Flex and Freedom Unlimited carry the same rewards rate on Ultimate Rewards travel, dining and drugstore purchases, you may feel like you need to choose just one of the cards. But it doesn’t have to be “either/or.” The ideal answer to “which of these cards should I get” can be “both.”

You can use either card to cover Ultimate Rewards travel, dining and drugstore purchases, but to maximize your rewards earnings, use the Freedom Flex card to make purchases in the 5% cash back category and the Freedom Unlimited card to earn 1.5% back on general purchases.

You can also earn $400 in sign-up bonuses within the first year by signing up for both cards and spending $500 on each within the first three months.

Even better, you can pair the Chase Freedom cards with other Chase cards. The secret sauce in this scenario is a Chase Sapphire card (either the Chase Sapphire Preferred Card or the Chase Sapphire Reserve card), which allow points transfers from other Chase Ultimate Rewards cards, including the Chase Freedom cards.

By juggling the Chase Freedom cards with a Chase Sapphire card, you can earn the highest rate on Ultimate Rewards points:

  • 10X on hotels and rental cars through Ultimate Rewards with the Sapphire Reserve
  • 5X on Ultimate Rewards travel with either Freedom card or the Sapphire Preferred and on Ultimate Rewards air travel with the Sapphire Reserve
  • 5X on rotating quarterly categories with the Freedom Flex
  • 3X on dining and drugstore purchases with either Freedom card
  • 3X on select streaming services and online grocery purchases (excludes Target, Walmart and wholesale clubs) if you have the Sapphire Preferred
  • 2X or 3X respectively on general travel with the Sapphire Preferred and Reserve cards
  • 1.5X on other spending

When it comes to travel rewards, Chase Ultimate Rewards points are extremely valuable because of the large array of redemption options: You can redeem points for statement credits for travel purchased from outside sources, for travel through the Chase Ultimate Rewards portal (for a 25% to 50% increase in point value depending which card you use) or transfer points at a 1:1 rate to many of Chase’s travel partners.

The table below shows the value of combining the Chase Freedom Flex, Chase Freedom Unlimited and Chase Sapphire Reserve cards. By leveraging the bonus categories on each card, a cardholder who manages to max out the 5% quarterly bonus categories and spends an average amount in other categories can earn around 52,869 Ultimate Rewards points per year.

This comes to an impressive $528 in cash back. But if you transfer the points to Chase’s travel partners, you make out even better. Due to the high value of points on partners such as United and Southwest, those same Ultimate Rewards points can get you $750 to $800 more worth of airfare, or even more if you know the ins and outs of airline loyalty programs.

Scenario 3: Combine three Ultimate Rewards cards

Chase Freedom Flex + Chase Freedom Unlimited + Chase Sapphire Reserve Average rewards rate Estimated points/year Sample redemptions: Estimated value
  • 10% back on hotels and rental cars through Ultimate Rewards (with the Sapphire Reserve)
  • 5% back in rotating categories (maxed out categories, with Chase Freedom)
  • 5% back on other Ultimate Rewards travel (with any card)
  • 3% back on dining and drugstore purchases (with either Freedom card)
  • 1.5% back on other purchases (with Chase Freedom Unlimited card)
2.31% 52,869
  • Statement credit: $528
  • Ultimate Rewards travel (with Sapphire Reserve): $792
  • Southwest Airlines transfer: $844
  • United Airlines transfer: $792

Bottom line

The Chase Freedom Flex and Freedom Unlimited cards are both great cash back cards that appeal to different audiences.

The Freedom Flex card is a great option for cardholders who want to maximize their rewards and the Freedom Unlimited card is a great way to go if you want to keep things simple.

If , however, you like travel rewards and you want to get the most bang for your buck, you should really consider applying for a trio of Ultimate Rewards cards.

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Source: creditcards.com

How to Get a TV for Cheap – 7 Ways to Get Deals on a New Television

TVs and many other electronics are interesting because as quality has steadily improved over the years, prices have dropped. According to the Bureau of Labor Statistics, the price index for TVs decreased by 94% between 1997 and 2015.

In other words, TVs become more affordable every year despite continuous upgrades and new features.

However, if you’re buying a new TV, you still need to be somewhat price-conscious. The latest plasma or LCD TV models still set you back several hundred dollars or more. Like other major purchases, it’s important to ensure you buy the right TV that has the right balance between price and features.

Thankfully, there are several ways to get the best deal on a new TV to help keep costs down. As long as you give yourself enough time to shop and keep these strategies in mind, your next TV upgrade shouldn’t drain your wallet.

The Best Ways to Save Money on a New TV

Buying a new TV isn’t going to be cheap. Ultimately, screen size, features, and brand influence prices the most. If you’re set on a specific size and type of TV, your savings will only go so far.

However, there’s no reason to pay full price for a new TV, regardless of the size and type you buy. Implement one or more of the following money-saving tips the next time you decide to upgrade your TV to keep more money in your wallet.

1. Shop Online

It might seem daunting to buy a new TV online. After all, you probably want to see it in person to help visualize what it would look like in your home.

However, one of the easiest ways to save on a new TV is to buy online. Shopping online saves time, and if you use shopping browser extensions, it’s easy to comparison shop to ensure you’re getting the lowest possible price.

For example, extensions like PriceBlink tracks product prices across thousands of retailers. If you’re shopping for a new TV, PriceBlink notifies you if there’s a better deal on a different website for instant savings.

To take your savings further, use extensions like Capital One Shopping and Honey. Both extensions automatically apply coupon codes at checkout to help you save money.

Plus, you can earn free gift cards with both extensions for shopping at specific retail partners. If you’re buying a high-ticket item like a TV, a single coupon code can go a long way in your efforts to save money.

Finally, online tech deal sites are also worth checking to find low prices on TVs and other electronics. For example, websites like Newegg and SlickDeals often have TV discounts that can shave off a significant portion of your price tag.

Buying a new TV online is also less stressful if you do your research. Room size matters for screen size, so measure the area you plan to set up your TV to gauge if you’re buying the right size. TV buying guides can also help you decide on your screen size based on how far away your seating is from the TV and how crowded the room is.

Finally, read reviews for any TV you’re considering. If you’re concerned, you can also check out the TV you’re considering in-store before placing your order online.


2. Use a Cash-Back Credit Card

Buying a new TV is a considerable expense. Additionally, if your new TV purchase is part of a home improvement project or move, you probably have other major expenses alongside your new tech.

Using a cash-back credit card for everyday purchases is a savvy move. However, for large expenses, credit cards are even more lucrative.

Plus, credit cards often have introductory bonuses if you spend a certain amount of money within the first few months of becoming a cardholder. If you take advantage of a bonus while TV shopping, you’re making the most of your money.

Several popular cash-back credit cards worth considering include:

  • Chase Freedom Unlimited: No annual fee; earn $200 when you spend $500 within the first three months; 5% cash back at grocery stores; unlimited 1.5% on most other purchases; up to $500 in purchase protection for 120 days. Read our Chase Freedom Unlimited review for more information.
  • U.S. Bank Cash+ Visa Signature Card: No annual fee; earn $150 when you spend $500 within the first three months; 5% cash back up to $2,000 on two categories of your choice, which can include electronics; 1% to 2% cash back on everything else. Read our U.S. Bank Cash+ Visa Signature Card review for more information.
  • Costco Anywhere Visa Card by Citi: Requires a Costco membership; 4% cash back on first $7,000 in eligible gas purchases; unlimited 3% cash back on travel and restaurant spending, unlimited 2% cash back on Costco purchases; unlimited 1% cash back on everything else; purchase protection against loss or damage for up to 90 to 120 days. Read our Costco Anywhere Visa Card review for more information.

The Chase Freedom Unlimited card is ideal if you want to take advantage of an easy $200 sign-up bonus. However, depending on how expensive your new TV is, 5% cash back from the U.S. Bank Cash+ card and sign-up bonus might earn more.

Finally, shopping at Costco to save money is already a smart move; if you do electronics shopping at Costco, sweeten the deal by signing up for their Anywhere Visa card to earn 2% cash back.


3. Tread Carefully with Extended Warranties

Extended warranties are protection plans you can purchase to cover damage and defects. You commonly find extended warranty plans for consumer electronics, vehicles, mobile phones, and even home warranty plans.

On paper, extended warranties might seem like they’re worth it. After all, if you buy a new TV or other expensive product, your first instinct is to insure yourself against damage and disappointment down the line.

However, according to Consumer Reports, extended warranties for electronics are almost never worth the cost. We tend to overestimate the likelihood our tech products will fail, and there are several other considerations to keep in mind:

  • Manufacturer Warranties. Tech products usually have some form of manufacturer warranty to protect against defects. Most warranties last for 90 days, which might suffice for protecting your purchase against defects and damage.
  • Store Policies. Big box retailers generally have lenient return policies that cover product malfunctions or defects. Some stores even let you return products without any real reason, provided they aren’t damaged. For example, Walmart lets you return TVs within 30 days and provides a refund for damaged or defective products. Therefore, extended warranties aren’t needed to protect yourself against out-of-the-box defects.
  • Term Length. Companies sell extended warranties to profit, which isn’t in customers’ best interests. Many extended warranty plans last one to two years, but the bulk of technical issues you encounter will probably occur long after this time frame. In other words, extended warranties on electronics is buying protection for the least risky period of ownership.

If you want to maximize your savings when buying a new TV, you should almost always skip the warranty.


4. Consider Older Models

Like most tech products, TVs improve every year with the release of new models. Resolutions of 4K become 8K, screen sizes get larger, and picture quality sharpens. For true technophiles and cinema lovers, the latest models are undeniably a cause for excitement.

However, part of TV shopping involves considering the diminishing returns on your spending. Do you really need the latest TV model, largest screen, and sharpest resolution that’s on the market? Depending on your room, viewing habits, and budget, buying an older TV model is often how you get the most value.

Even buying a year-old model can make a significant difference on price. Plus, modern TVs have come a long way compared to their heavy, clunky predecessors. Smart TVs that are a few years old still work with streaming services and devices.

Until a truly revolutionary line of TVs release, slightly older models will suffice for most viewers — and can save you hundreds of dollars.


5. Shop at The Right Time

For major purchases, timing sometimes means a significant difference in savings. Retailers price products differently based on demand and season, and TVs are no different. Therefore, if you’re planning to spend a few hundred dollars or more on a new TV, it might be best to hold off.

Historically, TV deals are most popular during two events: Black Friday and the Super Bowl. Black Friday is especially popular for TV shopping because almost every major retailer will offer a discount on electronics. Super Bowl deals are less common, but they’re worth keeping an eye on.

The best way to take advantage of a sale is to research presale prices at least a few weeks before the sale begins. Retailers are crafty, and sometimes your sale price is actually the same or more expensive than regular pricing because retailers first raise the base price to make a “sale” seem more appealing.

If you shop on Black Friday for the holidays, this is especially important because these faux sales are rampant. Following the price of the TV you want in the month leading up to Black Friday can help you spot a real bargain.

If you’re buying from Amazon, you can use the CamelCamelCamel extension to track Amazon prices and view price history for millions of products. Similarly, Honey and Capital One Shopping let you set up price tracking alerts on products to receive notifications when a product you’re interested in drops in price.

New TV models usually release in spring, so this is another ideal time to buy older TV models. Ultimately, if you give yourself enough runway, you can buy a new TV at a low price point for easy savings.


6. Use Reward Websites and Apps

Comparison-shopping websites or daily deal websites are useful for finding discounts. However, sometimes cash-back reward websites offer the greatest chance to save.

Rakuten is one popular option that pays you cash back for shopping at their partners. Creating a Rakuten account is free, and you simply visit Rakuten before shopping online to find opportunities to earn cash back.

In terms of TVs and electronics, notable Rakuten partners include:

  • Best Buy: Up to 1% cash back
  • TV Store Online: 7.5% cash back
  • Staples: 2% cash back
  • Office Depot: 2% cash back
  • Overstock: 4% cash back

Cash-back rewards are subject to change. Luckily, Rakuten partners with thousands of retailers, and there’s always an opportunity to earn cash back on your next electronics purchase. Rakuten also has online coupon codes, although cash back is where the platform shines.

If you can’t find deals on Rakuten, various reward apps are also worth trying. Apps like Drop pay you in free gift cards for shopping through the app at specific partners. Drop partners with plenty of big box retailers, making it easy to find TV deals.

Similarly, Dosh is another rewards app that automatically pays you cash back for shopping through its partners. Once you link your credit and debit cards to Dosh, you never have to worry about preselecting offers before shopping, and Dosh also partners with plenty of major U.S. retailers.

If you combine these rewards with shopping at the right time of year and other savvy tricks, you can get a new TV for much less than full price.


7. Consider Cheaper Brands

With electronics, you largely get what you pay for. Whether you’re shopping for noise-canceling headphones, a laptop, or a new TV, going for the cheapest option sometimes has consequences for performance and longevity.

If you’re buying a new TV for your home theater or family room, spending more on a premium brand and model might be worth it. However, if you just need a TV for watching the hockey game in your garage or for sending with your kid back to college, you don’t need to splurge on a leading brand.

Cheaper TV brands like Vizio and Insignia can get the job done without draining your wallet. You can also shop for refurbished electronics if you find a reputable seller and understand the warranty that comes with the TV.


Final Word

Like most electronics, TVs feel like something we need to update every few years. New models come out, screen sizes get larger, and it seems like upgrades are an inevitability.

There’s nothing wrong with buying a new TV or even splurging on a recent model with the latest specs. However, you should never pay full price for a new TV, especially if you’re on a tight budget and are trying to maximize your savings rate.

Additionally, consider the diminishing returns on your spending before making your next upgrade. New TVs are a luxury, but there comes a point at which spending more doesn’t necessarily increase enjoyment.

Source: moneycrashers.com

3 Credit Cards to Help Fund Your Wedding

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5 Credit Cards to Help You Navigate Your Finances Post-Divorce

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