If you`re not loyal to an airline or hotel chain, a general credit card bonus program like Chase Ultimate Rewards offers a relatively simple way to earn points, valuable travel cashing options and all kinds of flexibility. Chase credit cards also feature great New Cardholder bonuses that can start your stash points. Once you earn rewards, the Chase Freedom Unlimited is extremely flexible, as you cash it, giving you plenty of cash options. If you want to reuse your points for cash, you can redeem them in exchange for an account extract credit or a direct deposit into your bank account. You can also use Freedom Unlimited points to pay for travel on the Ultimate Rewards portal. Keep in mind that your points may have a different value depending on how you want to redeem them. Page link identical to footnote Reference 1 Premium categories: Merchants who accept Visa/Mastercard credit cards will receive a reseller code determined by the merchant or their processor according to Visa/Mastercard procedures, based on the types of products and services they sell primarily. We group similar reseller codes into categories to offer you bonuses. Please note: We strive to include all relevant reseller codes in our premium categories. Even if a merchant or some of the items he sells appear to fall into a reward category, the trader may not have a reseller code in that category.

In this case, purchases from this merchant are not qualified for premium offers for purchases in this category. Purchases submitted by you, an authorized user or merchant via third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets or similar technologies do not qualify in a premium category if the technology is not configured to process the purchase in this category of premiums. For more information, you can check out Chase Freedom opens new windows. For a purchase to qualify for the 5% cash back bonus, the merchant must submit a fee on your credit card until the last day of the corresponding calendar quarter. Qualifying purchases made with PayPal at Walmart receive only 5%. If it appears damaged, incomplete or other than advertised, we will refund your purchase price and the original shipping costs. If you use any of these calendars below, you may receive quarterly warnings for the entire year. Activate each quarter to earn 5% cash back up to $1500 in combined purchases in this quarter`s bonus categories. Opens a new windowSee our FAQs. Scores can vary widely, but overall, you get the best of your rewards if you use Ultimate Rewards points to travel. That`s how it starts with our favorite and most valuable way: for cardholders who prefer a cash package to track bonus categories, the Citi Double Cash Card offers one of the highest income rates you can get with each purchase. Cardholders get 1% cash back on everything they buy, plus 1% more money if they pay for those purchases – up to 2% back on each purchase.

While the Double Cash Card doesn`t come with a sign-up bonus, it`s easy to collect enough rewards over time to make up for that. The agreements to be put in place contain general terms, prices and information on fees. They are not specific to a person`s account information. The Freedom Unlimited Chase could also be useful if you strategically need to carry a short-term balance. The card comes with a 0% APR intro on new purchases for the first 15 months (14.99% to 23.74% variable after), so if you have a big purchase to make that you want to pay over time without paying juicy interest charges, signing up for this card can be a great strategy. Just make a plan to pay your balance before the end of the introductory period, as the current RPO can be high.