Chase Freedom Visa or Mastercard
800-824-6673 You earn 3% back in three of 15 categories (like groceries and pet supplies) on which you spent the most each month. The reward drops to 1% once you've made $600 in eligible purchases a month. Even so, when you amass $200 in rewards, Chase throws in $50. That translates to a 1.25% rewards rate. Be sure to pay bills in full: Rates start at 15.24%.
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