前三個月消費總計 $500 回饋 $200。

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

第一年在超市消費，回饋5% (上限$600)，不包括Target或Walmart。

Plus, earn 5% cash back on grocery store purchases (not including Target^® and Walmart^® purchases)opens overlay to offer details* on up to $12,000 spent in the first year (that’s $600 cash back!).opens overlay to offer details*

每一季度的指定類別，回饋5% (需在期限前激活)。

You’ll earn 5% Cash Back rewards total for each $1 spent until $1,500 is spent on combined purchases in the quarterly bonus categories each quarter that you activate the bonus (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). You must activate your 5% Bonus Cash Back each quarter by the activation deadline. 

最多 5%現金回饋，每季最高回饋 $1500。(旅遊 5%；餐廳用餐跟藥妝店消費 3%；其他消費 1%)

Earn 5% on travel purchased through Chase Ultimate Rewards. Earn 3% on dining at restaurants, including takeout and eligible delivery services. Earn 3% on drugstore purchases. Earn 1% on all other purchases.

免年費

No annual fee

現金回饋獎勵無使用效期

Cash Back rewards do not expire

低利息率 (15個月免利息)

0% intro APR for 15 months from account opening on purchases and balance transfers. After that, 19.24% – 27.99% variable APR.

除了以上幾點之外，還有 DoorDash 外送跟取餐平台、Lyft叫車平台及旅遊取消保障等，詳細權益請見官網。

申辦信用卡主要是看個人需求，因為我們家已經有另一位人兄有些比較高階的信用卡，所以身為信用卡小白的我，自然會先由免年費跟平日消費較多的目標去申辦信用卡。以我家來說，平日消費較多的就是去賣場或是餐廳消費了。(合理化太太接下來在黑五的瘋狂血拼…..。)

此外，這張信用卡有別於原本 Freedom，是 MasterCard，所以也享有相關的權益優惠。例如，在[開源節流] Free Coffee !星巴克請你喝免費咖啡一文有提到的：星巴克偶爾會跟 Mastercard 有活動！如果你有任一家銀行的 Mastercard，花 $10 買禮卡，再送你 $10 禮卡！根本就像是用一般價格的 50% 喝一杯飲料跟吃一份三明治呀！