Credit Cards & Sign-Up Bonuses

    Free Tier

    • Chase Freedom Unlimited
      • This card gets unlimited 1.5% cash back, in the form of Ultimate Rewards Points (UR). If you use my referral link, you'll get a $200 sign-up bonus when you spend $500 within the first 3 months of receiving the card.
    • Chase Freedom
      • This card gets 5% cash back in rotating quarterly categories (current categories here, and previous year example) limited to $1,500 in purchases per quarter, in the form of Ultimate Rewards Points (UR). If you use my referral link, you'll get a $200 sign-up bonus when you spend $500 within the first 3 months of receiving the card.
    • American Express Everyday
      • This card gets unlimited 1x points back (2x at grocery stores), in the form of Membership Rewards Points (MR). If you use my referral link, you'll get a 10,000 point sign-up bonus when you spend $1000 within the first 3 months of receiving the card. If you tend to use one card for everything, this card will earn a 20% bonus on everything that month (potential 2.4x points at grocery stores). This isn't the best card by itself, but rather a good free MR earning card, especially when paired with the Amex Gold. If you're a pure cash back person, you're better off going with the Blue Cash Everyday ($150 sign up bonus after $1000 of spend: 3% back at grocery stores, 2% at department stores, and 2% back at gas stations)