[mafuyu]

Chase Freedom has 5% cash back on certain categories that change throughout the year.

[spyspy]

Freedom and Sapphire cards are amazing because you can combine points between them.

[robryan]

How does that work? If credit card fees are well under 5%.

[dallbee]

Sure, fees are under 5%, but what about that one month that you didn't pay off your bill in full? Enjoy that ~30% interest rate on your account balance.

[BHSPitMonkey]

1) Chase Freedom's APR tends to be around 20% 2) If you only carry a balance (or part of it) for one month (as in your example) and then pay it off the next month, your interest charge is nowhere close to the APR (and it's only calculated against the portion you didn't pay off).