With no annual fee and a slew of bonus-earning spend categories, the Chase Freedom Flex is a champion when it comes to accruing points. The card earns Chase Ultimate Rewards, which is a popular flexible point system ideal for everyone from beginners to loyalty program nerds. You can opt for cash back instead of points, which also makes this a great card even for less frequent travelers.
Points collectors can transfer points to more than a dozen airline and hotel partners like Hyatt, Marriott, Southwest, and United or spend points like cash (one point equals one penny) directly through the Chase Ultimate Rewards online portal. Since there’s no annual fee, this is a top-value card for those that want fast access to points (or cash back) with minimal cash outlay.
