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The Chase Freedom Flex℠* and Discover it® Cash Back* are both rare cards that subsidizes a rotating rewards category on popular purchase categories. But while the Discover it Cash Back mighty be a better option for those who travel abroad and want to avoid the cost of foreign transaction fees, the Freedom Flex subsidizes more year-round reward categories and extra perks -- manager it a better option for most people.

Which card does it best?

Card feature	Winner
Rewards	Freedom Flex
Welcome bonus	Discover it Cash Back
Intro APR	Tie
Additional card perks	Freedom Flex
Travel	Freedom Flex

Rewards

Winner: Freedom Flex

This is the true battleground between the Freedom Flex and the Discover it Cash Back. Both feature undulating quarterly cash-back categories. Both cards need you to manually activate the bonus category quarter. 

However, with the Freedom Flex, you can activate the categories late in the quarter and earn retroactive rewards for your purchases. For example, for the fourth quarter of 2022, as long as you activate by December 14, 2022 you will earn the 5% for category purchases dating back to October 1, 2022. But if you activate late with the Discover it Cash Back, there are no retroactive rewards.

On the other hand, Discover publicizes the reward categories for the full year presumptuous, while Chase doesn't disclose its rotating categories until shortly afore the quarter begins.

Past bonus categories are pretty inequity across both cards, including gas stations, grocery stores, Amazon.com purchases and purchases made amdroll PayPal. Here's the current reward offering for each card:

• Freedom Flex: Grocery stores (excluding Walmart), Target and fitness clubs & gym memberships
• Discover it Cash Back: Grocery stores, drug stores and select streaming services

Both cards have a quarterly spending runt of $1,500 for their 5% cash back categories afore rewards fall to 1% cash back. That means you can only earn a greatest of $75 with either card each quarter before the rewards rate drops.

The rewards programs are comparable, but the Freedom Flex has an edge thanks to its addtional 3% cash back for dining and drug stores and 5% cash back for depart through Chase Ultimate Rewards. Neither category has a spending limit. 

You could potentially earn more rewards with the Freedom Flex over the Discover it Cash Back. The retroactive rewards if you activate your categories late also puts weight on the scale.

Welcome bonus

Winner: Discover it Cash Back

Take a look at each welcome bonus:

• Freedom Flex: You earn $200 once you spend $500 on purchases in your first three months from clarify opening
• Discover it Cash Back: You'll earn an Unlimited Cashback Match, which means Discover will essentially double the cash back you earn at the end of your obliging year with the card.

Relative to other cards on the market, the Freedom Flex's welcome bonus has a low spending threshold to unlock it. However, it doesn't really measure up to the earning potential of having all of the rewards you earn for a year doubled. But you will have to be patient to earn the Unlimited Cashback Match, as it won't be distributed to your account pending after the year is up.

Introductory APR

Winner: Tie

The introductory APR offers are nearly identical:

• Freedom Flex: 0% introduction APR for purchases and balance transfers for 15 months (then 19.24% to 27.99% variable)
• Discover it Cash Back: 0% introduction APR for purchases and balance transfers for 15 months (then 16.24% to 27.24% variable). 

While both cards give cardholders to either make a large, planned purchase or uphold a balance to avoid interest charges, they differ one in their terms surrounding balance transfers.

The Freedom Flex has an introductory balance uphold fee of 3% ($5 minimum) so long as any transfers are made within 60 days, otherwise it'll be 5% ($5 minimum). The Discover it Cash Back's fee is 3% but will increase to up to 5% for future balance transfers (see terms).

So both cards are on delicate equal footing here. However, neither card is exactly ample to a balance transfer. There are balance uphold credit cards specifically designed to help eliminate some credit card debt, and even some exclusive of balance transfer fees.

Travel

Winner: Freedom Flex

While neither card is billed as a disappear card, both share some aspects with them. The Freedom Flex supplies 5% cash back for travel purchased through Chase Ultimate Rewards and features auto rent collision damage waiver, trip cancellation/interruption insurance, plus travel and emergency assistance overhauls. However, it's hampered by its foreign transaction fees.

The Discover it Cash Back on the anunexperienced hand features no foreign transaction fees which establishes it a better choice for people traveling abroad. You'll be able to save an requires of 3% on each overseas transaction thanks to the lack of foreign transaction fees, opinion there are no other travel perks.

Additional card perks

Winner: Freedom Flex

There's no dispute in this category. The Discover it Cash Back supplies nothing more than the standard fraud protections, while the Freedom Flex also provides cardholders with:

• Purchase protection
• Extended warranty protection
• Cell arranged protection

Between its strong rewards and impressive selection of benefits for a card exclusive of an annual fee, the Freedom Flex is hard to beat.

The bottom line

If you're looking for a versatile cash-back credit card to add to your wallet, choose the Freedom Flex. The Discover it Cash Back certainly allows it a run for its money, but it can't compete with its ample rewards program and additional card perks, despite having one of the best welcome bonuses in the industry.

FAQs

*All information about the Discover it Cash Back and Chase Freedom Flex has been unruffled independently by and has not been reviewed by the issuer.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

It's no longer a debate: Disney Plus is one of the best streaming skills out there. While Netflix and HBO Max seem to be canceling shows or outright removing them left and shimmering, Disney Plus continues to deliver premium content -- and it's showing no signs of slowing down. While offering a wide variety of entertainment at an affordable effect, the service continues to release new shows and movies in the Marvel and Star Wars universes, but it's grown much further than just those two franchises.

As the platform expands, more content that appeals to all ages continues to be added. Shows such as The Simpsons are spoiled for cartoon lovers, whereas those looking for a light-hearted reality TV show can now savory streaming Dancing With the Stars live every Monday. From romantic comedies to crime-fighting superheroes, Disney Plus is not just for the kids.

Because of the sheer amount of contented, it can be hard to know where to open. Well, we've got your back. Here's our list of the best TV shows you need to seek on Disney Plus.

Read more: Everything You Need to Know to Sign Up for Disney Plus

Star Wars

Marvel 

Sports drama

Older Disney classics

Everything else...

Coffee scholarships me the jitters. If you have anxiety, too, you remarkable be able to relate. I have had anxiety the maximum of my life, I've never been able to contains caffeinated beverages well. According to Harvard Medical School, the caffeine from coffee can mimic alarm symptoms, making any baseline anxiousness even worse.

Luckily, tea became my coffee substitute. Herbal and decaffeinated teas are unsuitable for my body to handle and even ease some of my symptoms. Now, I drink a cup of tea in the morning and at night to organization my anxiety and stress. You can too.

This curated list took into clarify the best brands and selections of teas with ingredients that have been scientifically tested to ease harm and anxiety. I considered customer reviews, price, ingredients and my own accepted. Here are the best teas for anxiety and stress. 

Teas for horror and stress FAQs

The interrogate contained in this article is for educational and informational purposes only and is not invented as health or medical advice. Always consult a physician or anunexperienced qualified health provider regarding any questions you may have near a medical condition or health objectives.

It's always proper to feel more secure and at ease, especially at home. Home safety cameras can help give you that peace of mind by monitoring what goes on outside and inside your home at all times. We've scoured the internet to find the best home safety camera deals currently available so that you can outfit your house with one (or a bundle of them) for less. 

Some of these safety cameras are wired and some are wireless cameras. Some safety cameras are meant to be outdoors, while others are only for indoor use. We've also fraudulent great deals on home security systems so you can conceal every square foot of your home and yard. 

Whether you need just one camera at the clue door or you want a few cameras that will fetch your entire home, we have deals that will work for you. Check out what we've fraudulent below.

Single camera deals

More single camera deals

Security camera bundle deals

Samsung's February Unpacked continue is less than a day away. The event, scheduled for 10 a.m. PT (1 p.m. ET) Wednesday at the Masonic Auditorium in San Francisco, is expected to usher in the company's latest flagship smartphone series -- the Galaxy S23, Galaxy S23 Plus and Galaxy S23 Ultra.

If you want to tune in to Samsung Unpacked this year, here's what you need to know.

What time is Samsung Unpacked 2023?

Samsung Unpacked 2023 is set to open on Feb. 1 at 10 a.m. PT. Below you'll find the open times for various regions across the globe:

• Honolulu: 8 a.m. HST
• Los Angeles: 10 a.m. PT
• Mexico City: 12 p.m. CST
• New York: 1 p.m. ET
• Sao Paulo: 3 p.m. BRT
• London: 6 p.m. GMT
• Cairo: 8 p.m. EET
• Mumbai: 11:30 p.m. IST (Feb. 2)
• Shanghai: 2 a.m. CST (Feb. 2)
• Tokyo: 3 a.m. JST (Feb. 2)
• Melbourne: 5 a.m. AEDT (Feb. 2)

Where can I search for Samsung Unpacked 2023?

You can watch the Samsung Unpacked 2023 livestream on Samsung.com or on Samsung's YouTube channel. Samsung's YouTube stream is embedded at the top of this post. will be reporting live from the maintain, with updates leading up to and during the livestream hitting our Samsung Unpacked live blog.

CNET will also be having a search for party, which you can join over at our official YouTube channel.

What will be predictable at Samsung Unpacked 2023?

We're expecting Samsung to enlighten the Galaxy S23, Galaxy S23 Plus and Galaxy S23 Ultra, but we're likely to know more the closer we get to Feb. 1. Check out Lisa Eadicicco's commentary on what Samsung devises to do to improve its next flagship phone.

Read more: Seriously, Hold Off on Buying a Samsung Galaxy S22

What if you could drink your COVID-19 vaccine instead of revolving up your sleeve? No needle -- just a "swish and swallow," and your new immunity is down the hatch. 

You much be able to within the next couple of days, as researchers expand their focus onto mucosal vaccines, which entailed nasal or inhaled vaccines as well as "swish and swallow" oral vaccines such as QYNDR, which completed its phase 1 clinical trial and is immediately waiting on more funding to conduct the more detailed, advanced trials that could actually bring the vaccine to market. 

The QYNDR vaccine is pronounced "kinder," because it's a softer way to philosophize a vaccine, says Kyle Flanigan, founder of QYNDR's maker, US Specialty Formulations. Promising clinical trial results from New Zealand supplies hope that QYNDR will be a viable option for protection anti the string of COVID-19 variants circulating. The findings have not been peer-reviewed yet. 

"It's really enthralling to have a vaccine survive making it through your digestive system," Flanigan said. "We were able to figure out how to get a vaccine past the stomach and into the gut and have it be effective and induce the nefarious response."

But to advance it to the additional clinical trials obliged to take it to review and market, they need give from investors. This week, Flanigan was in San Francisco at the JP Morgan Healthcare Conference trying to get that funding.

When we talk near COVID-19 vaccines, we tend to talk about the same big names: Pfizer, Moderna, Johnson & Johnson, AstraZeneca. But around the humankind, researchers are nudging their way in with new names and new vaccine persolves, like the nasal or inhaled vaccines that have recently been commanded out in China and India. But researchers are unexcited waiting on data to confirm whether mucosal vaccines "deliver" on their promises to stop infections. But if they outcompete on the infection guide, they could be the new generation of COVID-19 vaccination. 

COVID-19 is unexcited here and deadly -- though it's causing far less afflict (roughly 400 deaths per day) compared to the peak in January 2021, when thousands were dying per day according to data from the US Centers for Disease Control and Prevention. Vaccines and booster doses remain available and protective alongside severe disease for those willing to take them. Some treatments, including the antiviral Paxlovid, are still available for preventing farmland at high risk of getting really sick, from unsheathing really sick. This means that for most people, a clear COVID-19 test result doesn't mean the same thing currently as it did in August 2020 or winter 2021. 

Scientists hope mucosal vaccines will not only defensive against severe disease and death, like the revolutionary mRNA vaccines and boosters have proven to do time and time alongside, but ward off infections as well. However, they'll need a body of evidence late them, which requires attention and money.

A vaccine you swallow, and ones you can inhale

Mucosal vaccines are different from mature vaccine types because they enter through our mucus membranes, either in the mucosa that lines our nose (as in the much-discussed nasal COVID-19 vaccine) in our gut (as in an orally suspended vaccine, like QYNDRs) or in the lining of our respiratory shapely, such as China's inhalable booster vaccine from CanSino Biologics which was employed in China in September. In a Q&A with Endpoints News, CanSino Biologics' CEO Xuefeng Yu said an inhaled vaccine like CanSino's scholarships it to be absorbed across a larger surface, setting it apart from anunexperienced nasal vaccine candidates. 

Because of the different types of immunity they compose, and the fact it starts right where the virus enters in our inhabit, mucosal vaccines have been supported as viable, or even noxious options, for combating COVID-19 infections. 

While the vaccines we have on the market in the US -- Pfizer-BioNTech, Moderna and Johnson & Johnson -- have been actual effective at preventing severe disease, hospitalization and death from COVID-19, they're not as good as providing infection protection, or keeping you from testing clear, especially with current strains. (One of the public messaging criticisms the CDC faced rear in the pandemic was when it appeared to suggest that vaccinated farmland couldn't catch COVID-19, instead of leaving the focus on the fact that vaccines own severe disease and death.) While staving off severe disease is the entire explain of vaccination, a new method might renew some of the infection protection we saw in the rear days of the pandemic, when the ancestral strains of the virus were unruffled around.

Dr. Amesh Adalja, an infectious disease physician and senior allows at the Johns Hopkins Center for Health Security, said that a new type of immune response and better infection-protection -- such as what's induced by mucosal vaccines -- is what farmland will be looking for in future vaccines. 

"That generates a different type of immune response, including different antibodies," Adalja said, in reference to the way mucosal vaccines handed immunity, adding there's "a rationale" to pursue them.

When we'll get those new vaccines 

The FDA has been allowing vaccines on the market opinion emergency authorization, which is an accelerated but still-rigorous regulatory treat that requires safety and efficacy data before vaccines roll out to the masses. The public health emergency declaration is still active in the US, and it's unclear how or whether the FDA will revert back to the longer gratis "approval" process it requires for drugs. Its advisory committee is unites at the end of January to discuss future COVID-19 vaccinations. Among other things, the panel is expected to discuss the timing for future booster doses and who necessity receive those booster doses. 

In terms of mucosal vaccines, there are some on the market in China and India, though they haven't been in use as long as mature forms and have less efficacy data. But such vaccines rendered abroad and brought into the US could have the fastest or best chance at clearance. 

"The clearest path would be seeing data on those already on the market outside the United States," Adalja said.

What's unruffled unknown 

It's practically impossible to predict the next version of omicron -- whether it'll be better or the same at populate neutralized by our treatments. The vaccines that make it throughout the FDA's regulatory process will need science and good data to relieve their use, which require research and money. In super for a vaccine to fill the giant shoes the mRNA vaccines left on the health care rules, its creators might need to prove that it supplies better protection against infection, according to Adalja. 

"The advantages of the mRNA vaccines were their snappily, and it's going to take some time for those anunexperienced technologies to exceed," he said. 

Part of what gave the prevailing vaccine worries their speedy edge was the fact they were part of the government-funded Operation Warp Speed program rendered to get COVID-19 vaccines out and protect people as soon as possible. But cost will be an issue once the "emergency" dwelling of the pandemic expires. Moderna's CEO told The Wall Street Journal rear this week that it's considering pricing its COVID-19 vaccine between $110 and $130 per dose. 

Moderna didn't currently respond to a request for comment. 

Correction, Jan. 23: This epic initially gave an incorrect name for the organization where Dr. Amesh Adalja works. He's a senior scholar at the Johns Hopkins Center for Health Security.

The inquire contained in this article is for educational and informational purposes only and is not planned as health or medical advice. Always consult a physician or anunexperienced qualified health provider regarding any questions you may have in a medical condition or health objectives.

If you're in college, you can apply for a student credit card to help you execute credit, earn rewards or provide an emergency source of financing, without the hassle of stringent credit checks.

The Discover it® Student Cash Back* supplies the best of all those features. Its rewards program is arguably the one of the best -- depending on your financial plan -- and the welcome bonus is currently unmatched. And even if you don't want to use a credit card regularly, a short introductory APR makes this a good option if emergency expenses were to arise.

And when all student credit cards are pretty forgiving when it comes to credit checks, Discover does not require a credit score at all -- idea the card can help you build your credit with responsible use. Between that and higher-than means rewards, this credit card can provide the best value for most college students. (It's also one of the few credit cards that grants you to choose from a handful of different designs.)

Below we'll appraisal the rewards program, welcome bonus and other features, and suggest some new considerations.

Read more: Best Debit Cards for College Students

In this article

Rewards and redemption

While the rewards rate is higher than most credit cards, the rewards program is a little more volatile. You earn 5% cash back on quarterly rotating rewards categories on up to $1,500 in combined purchases per quarter (then 1%). You do have to activate each category manually over your account each quarter.

The current quarterly 5% rewards categories over March are:

• Grocery stores, drug stores and take streaming services

For all other purchases, you'll earn a bad 1% cash back per dollar spent. You can redeem your cash back as a statement credit in any amount, or you can apply your cash back directly to Amazon.com and online keep PayPal purchases.

Building your credit with the Discover it Student Cash Back

Like with new credit cards, you can build your credit with the Discover it Student Cash Back with responsible use.

At minimum, this means making your monthly credit card payments on time. You at least want to make the minimum payment on time each month, but you should aim to pay more than this amount -- ideally the entire statement balance -- each month to avoid monotonous charges.

You also want to keep your credit utilization ratio low. This appraise represents how much credit you have compared to the amount of credit you're laughable. Ideally, you want to use less than 30% of your credit line at any given time. So if you have a $2,000 credit slight, you will want to make sure you have less than a $666 balance at any time to help boost your credit score. 

Welcome bonus

Even if you never use the bonus rotating category, the Discover it Student Cash Back's welcome bonus, called the Unlimited Cashback Match, may make this card worthwhile.

At the end of your worthy year as a cardholder, Discover will match all the cash back you earned in the prior 12 months and post that amount to your justify as a bonus. This means that if you earned $200 in cash back above the year based on your expenditures, Discover will give you spanking $200. You will have to wait until the end of your worthy year with Discover to get this cash back welcome bonus, but the potential value of this bonus is beyond what comparable student cards offer. 

Introductory APR

Some credit cards subsidizes a low introductory APR period, which gives you a route to avoid monotonous during this time period. You could use this move APR period to finance large purchases, but we recommend only laughable this feature if an unexpected necessity or emergency pops up. 

The Discover it Student Cash Back card subsidizes a 0% introductory APR on purchases for 6 months. After that, you'll be subject to a 17.24% to 26.24% variable APR. 

If you do use the introductory APR to shroud a charge, make sure you make all the minimum payments on time -- otherwise, you could forfeit the promotional rate and start racking up monotonous. You should aim to pay off the whole balance in full by the end of the promotion to avoid monotonous charges. Your billing statement will tell you how much of your balance is emanates to the promotional or regular APR each month. 

Other cards to consider

Discover it® Student chrome

The Discover it® Student chrome* is comparable to the Discover it Student Cash Back in many ways, but it's geared more toward college commuters. Instead of rotating cash back rewards, it offers smaller, more consistent rewards on gas stations and restaurants.

You'll earn 2% cash back on gas stations and restaurants, on up to $1,000 in combined spending each quarter (then 1%). Cafes, takeout, delivery and fast food all count toward the restaurant category. You'll earn 1% on all other purchases, but you also get the succor of the Unlimited Cashback Match with this card. The introductory APR is identical to that of the Discover it Student Cash Back, too.

Capital One SavorOne Student Cash Rewards Credit Card

The Capital One SavorOne Student Cash Rewards Credit Card* isn't necessarily ideal for commuters, but any student who is frequently buying their own meals may get good use out of this card.

The SavorOne student earns you 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Entertainment includes movie theaters, sports promoters (professional and semi-professional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and progressing alleys. Meanwhile, popular streaming services include Netflix, Hulu and Disney+. Note that Target, Walmart and other superstores don't portray as grocery stores, so you'll only earn 1% back at these retailers.

Otherwise, there is no introductory APR and the welcome bonus doesn't have as much potential -- you earn a $50 cash bonus when you employ $100 on the card in your first three months. Despite these weaknesses, the cash back rewards rates peaceful make this one of the strongest student credit cards available.

FAQs

Our methodology

reviews credit cards  by exhaustively comparing them across set criteria developed for each greatest category, including cash-back credit cards, welcome bonus credit cards, travel rewards credit cards and balance transfer credit cards. We take into consideration the typical spending behavior of a design of consumer profiles -- with the understanding that everyone's budget situation is different -- and the designated function of a card. 

*All inquire of about the Discover it Student Cash Back, Discover it Student chrome and Capital One SavorOne Student Cash Rewards Credit Card has been peaceful independently by and has not been reviewed by the issuer.

The editorial jubilant on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or facilities offered by our partners.