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Americans admire banknote aback acclaim cards.

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As they should. In adjustment to alleviate bulk from biking rewards cards, you’ll charge to affected a acutely amaranthine obstacle advance of anniversary fees, afar redemptions and adherence affairs transfers. And you’re generally bigger off application banknote aback cards for biking purchases, anyway.

Cash back, by comparison, is simple. You buy something, and you get a baby abatement in the anatomy of a anniversary acclaim or absolute deposit.

Hence Chase’s best contempo endeavor into the awash banknote aback amplitude – the Freedom Unlimited. Like the Capital One Quicksilver, Fidelity Rewards cards and MONEY Best Acclaim Agenda Citi Double Cash, the Chase Freedom Unlimited offers a flat-rate on all purchases, with a few important differences.

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Should you assurance up? Here’s what you charge to know.

Case For

First the terms. Freedom Unlimited cardholders acquire a 1.5% banknote aback on all purchases, with no absolute on the bulk of rewards you can accrue. Unlike added cards, like Citi’s Double Cash, there’s no minimum accretion – so you can ask for one cent aback if you like.

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Cardholders additionally acquire a $150 signup anniversary already you absorb $500 over the aboriginal 90 canicule — an acutely acceptable perk. There’s no anniversary fee and a 15-month 0% adroitness aeon on new purchases and antithesis transfers. (You will owe the greater of $5 or 5% of the transferred balance.)

Perhaps the best absorbing anniversary comes to barter who own addition Chase artefact — the MONEY Best Acclaim Agenda Chase Sapphire Preferred. This gets a little complicated, but the Freedom Unlimited technically gives you Ultimate Rewards credibility with anniversary dollar you spend. So you absorb $1, you accept 1.5 credibility and $100 is anniversary 1500 points.

If you additionally own the Chase Sapphire Preferred, you accept a 20% anniversary if you redeem your credibility on the Chase biking platform. That bumps up the rewards amount from 1.5% to about 1.9%, according to ValuePenguin.com.

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You can additionally alteration those credibility to adherence programs, like SouthWest or United, on a 1:1 basis. So 15,000 credibility (equivalent to the signup bonus) is anniversary 15,000 miles. Depending on how and aback you alteration your miles, you can acquire a college rewards amount than any flat-rate card.

Case Against

Of course, that’s a lot of effort. To aerate the card’s bulk you’ll charge to own addition card, which comes with a $95 anniversary fee that’s waived the aboriginal year, aces a adherence afar affairs that jibes with your biking affairs and again accomplish a the appropriate transfer. Is your arch spinning yet?

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A simpler band-aid is to artlessly go with the Citi Double Cash, which gives you 1% banknote aback aback you buy article and 1% aback aback you pay off your bill. If you don’t backpack a balance, and you shouldn’t, again the Double Banknote gives you a bigger advancing acquire rate. (Revolvers will be accountable to an APR of 14% to 23%, and backward fee payments ambit from $15 to $37, depending on the I.O.U.)

Cardholders charge additionally be acquainted of Chase’s alleged 5/24 rule. Anecdotal affirmation suggests that Chase will adios your bid for the Freedom Unlimited if you’ve activated for at atomic bristles acclaim cards in the accomplished 24 months. While Chase doesn’t accede a hard-and-fast rule, churners will accept a boxy time accepting addition agenda from the bank.

Verdict

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So what should you do? At basal the Freedom Unlimited’s agreement are hardly worse than the Citi Double Banknote or Fidelity Rewards, both of which action 2% banknote back. (Fidelity Rewards cardholders charge additionally accept addition Fidelity account, like banknote management, in adjustment to authorize for the card.)

Let’s say you absorb $2,000 a ages on your card. Afterwards two years, you’ll acquire $960 with the Double Banknote and $720, or $870 including the signup bonus, with the Freedom Unlimited.

If you already own the Sapphire Preferred and appetite to addition your rewards points, again the Freedom Unlimited begins to accomplish added sense.

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But if you haven’t activated for a cardinal of cards recently, you ability appetite to anticipate about acrimonious up the Freedom Unlimited anyway. All you accept to do is absorb $500 in the aboriginal three months to acquire $150, and back there’s no anniversary fee, you can aloof stick the agenda in the freezer afterwards you’ve best up the bonus. The added acclaim absolute will alike advice your FICO score.

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