"This card can be an excellent choice for those just starting out with credit cards. It has no annual fee, and it can build up your credit so that you'll be ready to apply for premium cards in the future. The 5x earning opportunities can be good if you are able to keep up with rotating spending categories each quarter. This card is different from the Chase Freedom Unlimited. You earn 1 point per dollar for most of your spending. Each quarter, you can earn 5 points per dollar in various spending categories for up to $1,500 in total spend." - Zac
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