Opening a credit card for the first time is usually easy. The best options are: student ID And a secure card. However, when it comes time to choose your next card, the choice may seem more difficult. Would you like to choose? trip or dining card? Or is a flexible option some spending categories What path should I take?
When asked about the best credit card for beginners, Chase Freedom Flex® This card comes to mind before any other. It was the second card I opened, and it still holds an important place in my wallet.
If you’re looking for the perfect card to add to your fledgling wallet, we’ll show you everything Freedom Flex has to offer.
easy welcome bonus
Depending on your financial situation, you may not have enough income or expenses. Earn a lucrative welcome bonus Realistic. Welcome bonuses are one of the most important factors to consider when opening a new credit card. they are key to unlock Great travel opportunities that we always rave about at TPG.
When I applied, I found myself in this situation. freedom flex. At the time, I didn’t have enough spending money to meet the high spending requirement of $3,000 or more, so the Freedom Flex welcome bonus was very attractive.
New Freedom Flex Cardholders earn $200 in cash back after you spend $500 in the first three months of account opening. This is an easily achievable spending requirement; valuable welcome bonus To receive.
This was my first opportunity to earn a welcome bonus, so I made sure to learn about mistakes to avoid. The last thing anyone wants is to leave value out because of a simple mistake.
Start spending towards your welcome bonus as soon as possible. I like to plan my card applications around when I’ll be making major purchases so I can make big progress towards my goals as quickly as possible.
By learning good practices for earning welcome bonuses now, you’ll be set up for success when applying for premium cards with larger welcome offers. Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.
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High profit
If you’re new to the world of credit cards, you need a card that can effectively cover different types of expenses.
of freedom flex Earn 5% cashback on lift (until March 2025) and Chase Travel℠3% cash back on dining (including takeout and delivery) and drugstore purchases, and 1% cash back on all other purchases.
The last revenue category of Freedom Flex is not only powerful for beginners, but also a staple in the wallets of frequent travelers. Activate each calendar quarter to earn 5% cash back on selected items. Cycle through categories (On spending up to $1,500 per quarter).
Throughout the year, attractive categories like grocery stores, gas stations/electric vehicle charging stations, gyms, and Amazon tend to emerge. Freedom Flex’s quarterly categories cover a wide range of purchases. If a particular quarter’s categories don’t fit your spending habits, the next quarter’s products may.
Earned over $50 in cashback from Card Q4 2024 Rotating Categoriespet stores, McDonald’s, and PayPal.
With these earning categories, Freedom Flex can enhance your wallet and start earning valuable rewards on various purchases.
Powerful travel and purchase protection
it is not common Card with no annual fee Provides solid protection for traveling and shopping. however, freedom flex Provides a significant amount of safety equipment.
First of all, you will receive Trip Cancellation and Trip Interruption Insurance and Secondary car rental collision protection. These benefits are commonly found on premium travel cards, so receiving them on an entry-level card is a reason to be interested.
What Freedom Flex offers purchase and extended warranty protectionSo you can safely load expensive or fragile items onto your card. Retailers aren’t always cooperative with replacing or refunding broken items, so it’s important to have a credit card to act as a safety net.
Finally, by paying the fee, mobile phone bill With Freedom Flex, you can receive up to $800 per cell phone insurance claim. I remember hating having to pay extra for carrier insurance on my monthly phone bill. So, as soon as I got a card that offered cell phone insurance, I quit my carrier’s insurance plan and saved up a ton of change each month.
Travel and purchase protection isn’t the most attractive perk in the world, but it’s important to have it. Even now, with six credit cards under my belt, I’m grateful for the Freedom Flex purchase and extended warranty protection every time I make an expensive purchase using rotating categories.
great building blocks
Chase’s 5/24 rule It is definitely, long-term credit card strategy. This is an unofficial application rule that says if you have opened five or more personal cards in the past 24 months, the issuer will deny your application for any card.
That’s why I (and many other TPG experts) advise: beginner focus chase card Before other publishers. Trust me when I say that wanting a Chase card after May 24th is a painful experience.
By selecting freedom flex In the early stages of your credit card journey, you’ll be using one of the coveted 5/24 slots for a great Chase card. Using Freedom Flex frequently but responsibly over a period of several months will build a healthy relationship with Chase. This may open the door to the next step. top card like Sapphire is preferred and sapphire reserve.
conclusion
There are so many credit cards out there that beginners may find it difficult to choose the right one. From valuable welcome bonuses to great earning categories, there are many reasons to choose Freedom Flex.
That said, if you’re still looking for your first credit card, we recommend you consider one of our picks. most secure card Instead, move on to Freedom Flex when you’re ready. I don’t regret choosing Freedom Flex as my second credit card, and I don’t think you will regret applying for it either.
Click here for more information. Chase Freedom Flex Complete Review.
Apply here: chase freedom flex
