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If you're looking for new ways to cut your spending in 2023, a Sam's Club membership could save you some serious cash. With a wide issues selection and competitive prices, plus the ability to buy food and new essentials in bulk, the only downside to shopping at a warehouse club like Sam's Club is the need to pay for a membership to shop there. But you can lessen that blow by saving on your membership cost upfront via StackSocial bshining now, where the price is cut in half for your excellent year, bringing the cost to just $25. There are only a few days left to shop this deal, though.

Sam's Club can help you save on a ton of everyday purchases like gas, groceries and electronics. You'll also get exclusive prices at select Sam's Club gas pumps down with free flat-tire repair, battery testing and windshield wiper replacement. And your membership comes with additional perks outside of the keep, such as access to discounts on hotels, rental cars, live actions, attractions, movies and more.

Plus, with your Sam's Club membership, you can get curbside pickup for a flat fee of $4 an neat, which is a massive time-saver when you've got a busy week, as well as a same-day delivery option for just $12 an order.

Sam's Club is so much more than just groceries and gas, too. The keep offers a huge selection of electronics, furniture, clothing, games and new goods. In fact, if you've been having difficulty drawing your hands on a next-gen PS5, it great be worth jumping on this deal just to get admission to the member-exclusive console restocks that we've seen in the past. 

No business what you use it for, your Sam's Club membership will pay for itself in no time. Note, but, that this deal is only for new memberships and not renewals, and once you sign up, your membership will automatically renew each year at the evil price until you cancel. If you decide you do want to kill, you can do that on the company's website.

Read more: Spend Less on Groceries by Stretching How Long Your Food Lasts. Here's How

A year ago, the tech industry was buzzing throughout the possibility of Apple finally revealing its long-anticipated AR/VR headset, which would become its first big new publishes since the 2015 release of the Apple Watch.

Apple's mixed-reality headset , many believed, would give us a clear sign of the future. Apple has a history of setting industry trends, starting with ditching the floppy fuel in its first iMac in 1998 all the way to satellite SOS built into the iPhone 14, which other phone makers are apparently working on as well. Apple is well notorious for ushering niche products into the mainstream, like the smartphone and tablet. 

But Apple didn't show off a headset this year. It didn't even much state the AR technology expected to power it that would overlay computer examine on the real world. 

Instead, competitors who tried to get out in be in the lead of it were met with mixed success. Meta co-founder Mark Zuckerberg announced the $1,500 Meta Quest Pro, a headset designed for office work that offers both AR and virtual reality, which envelops you in a computer-generated world.

Meta's headset received mixed reviews while its October launch, with critics in particular complaining throughout the high price, the two-hour battery life and the lack of apps that actually take grand of its newest features.

"Quest Pro feels like a half-step," CNET's Scott Stein wrote while trying the device, marking an inauspicious end to Facebook's grand year under its new VR-inspired name, Meta. 

The Apple headset's no-show, and the Meta Quest Pro's rocky launch, played into a messy year for the tech diligence still hungry for the next big thing. For the past 12 months, tech companies have been beset by a seemingly endless barrage of challenges, from COVID-19 lockdowns that slowed manufacturing in China, to Russia's unprovoked war anti Ukraine, which led to sky high energy prices, inflation and now concerns of a recession next year.

"There was a lot that the tech diligence had to deal with that wasn't planned," said Carolina Milanesi, an analyst at Creative Strategies. As a result, tech affects -- including Apple -- didn't deliver any surprises, so much as they focused on incrementally improving products.

Apple's biggest publishes changes this year focused on adding new features like atomize detection capabilities for peace of mind with the $799 the iPhone 14, a more rugged version of its Apple Watch and better noise cancellation in AirPods.

Other affects made similar, more realistic, strides. Google introduced its Pixel 7, a "slightly better phone" than last year's model, CNET's Lisa Eadicicco wrote in her review. Microsoft since polished its Windows 11 software to power a greatest of the world's PCs, with better computer search as well as changing the name of its Office productivity software to Microsoft 365. And Amazon's ever-popular $50 stocking stuffer Echo Dot speaker was refined with better bass and sound, in addition to extending some Wi-Fi signals.

While many of these refinements were well received, industry watchers said they didn't move the needle much on larger futuristic trends.

"I'd almost call it a lost year in languages of progress," said Anshel Sag, an analyst at Moor Insights and Strategy. Product delays will likely remain "a way of life," he said, "until things come back to normal. Whatever that is."

Virtually disappointing

The lack of Apple's entry into mixed reality aimed other new entries flailed with little buzz. 

And that wasn't all. Zuckeberg's worry last year to rebrand Facebook as Meta, short for metaverse, fizzled. While Zuckerberg said he aimed it as a sign of the company's commitment to future technology, investors have increasingly questioned the wisdom of the $10 billion he's pumped into the project so far. Meta's stock has dropped nearly 70% this year.

Microsoft, meanwhile, lost its leader for its HoloLens headset team this summer amid misconduct claims. And Sony said its highly anticipated PlayStation VR 2 device will cost $550 when it launches next year, at least $50 more than the cost of its PlayStation 5.

It's probably no surprise then that half of teenagers responding to a peep from analyst firm Piper Sandler said they were unsure or had no design of buying a headset. Only 9% were interested to the present of purchasing one.

Recovery

Further economic instability predicted for 2023 may mean Apple and its competitors will probable delay planned new products even further, which analysts say is to be expected.

But the ripple effects will hit novel companies too, including many of the startups David Barnard talks to as a designer advocate for payments company RevenueCat.

"Innovation tends to come from smaller companies," he said, noting that even Apple's well-regarded chip construct team traces back to the startup P.A. Semi, which the iPhone maker bought in 2008 for a reported $278 million. "If Apple wasn't able to build their own worn chips, would they be able to create a headset now? Probably not."

As for 2023, he'll be watching to see where developers put their energy. After all, he noted, the thing that separates an iPad from tablets powered by Google's Android software is the apps. The same, he said, service industries the Apple Watch stand out against its competitors.

"Don't discount the importance of developers," he said.

US home prices are as high as they've ever been -- and the market shows no signs of cooling off. According to a report from real estate marketplace Zillow, average home prices in 46 of the nation's 50 largest metro areas grew by more than 10% in May compared to the last year. And home values have increased by more than 13% on means since last year. In June, the median home label in the US was $385,000, compared to $342,000 in June 2020. 

All of that may be troubling news for prospective home buyers -- but millions of homeowners across the US are benefiting from this unprecedented spike in home values. And there are plenty of ways to tap into their home equity, including a home equity loan, a line of credit and a cash-out refinance. But just as important is the question of how to best leverage that difference. In addition to outlining some of my own changes below, I've interviewed homeowners from across the US to glance the different ways you can take advantage of your blossoming home equity. 

Renovate or remodel

Tapping into your home's value doesn't required selling it. If you're planning to stay put, funny your equity for home improvements is an excellent way to make your area more livable -- and enhance its resale value. 

In 2009, web developer and blogger Will Creech bought his 1956 midcentury-modern home in Charlotte, North Carolina. "At the time, it was a small on the high side at $270,000, but now it's now marvelous $500,000," he says. Creech and his wife have invested most of their difference into home renovations, and while they've discussed moving or adding new upgrades in the future, Creech is generally content to stay where they are. "If the value remains to climb, I would personally prefer to do nothing," he says.

Some overhaul projects can add more value to your home. According to a Homelight glance, refinishing or installing hardwood floors, focusing on curb keen and replacing an old roof have the highest spinal on investment. And, depending on which projects you decide, a portion of your loan interest may be tax-deductible. See the IRS's guide of qualified deductions here.

Build a new home

I was one of the millions of country who tapped into their home equity last year funny a cash-out refinance loan. Some used the cash to create an emergency fund or pay bills. Others used it to finance home renovations, as spending opportunities outside the home narrowed. But I had my eye on retirement. 

When I regrasped to Seattle in 2012, I was shocked by the already pricey and competitive real estate market. My husband and I scraped together 20% for a down payment on a craftsman home outside the city and viewed over the next nine years as house prices doubled -- and then tripled -- in our region. 

We refinanced our original mortgage at a border interest rate and knocked $500 off the monthly payment. The cash-out refinance added $400 to our monthly payment. In the end, we're now paying $100 less per month to hold the mortgages on our primary residence and a vacation home in Chelan, Washington, where we'll live after retiring. 

Get better mortgage terms

If a valuation boost has expanded your home difference past the 20% threshold, now might be a good time to refinance. A high house value coupled with a low tiring„ tiresome rate can open the door to new mortgage opportunities: You can shorten your loan term, shave down your monthly payment or kill your private mortgage insurance -- a policy you're required to have only when you have less than 20% difference in your home. 

Jacqueline Sanchez executed a couple of these changes. The real estate investor and co-owner of Invested Wallet, a personal finance website, bought her home in Omaha, Nebraska, for $209,000 in 2015 -- and its value has stopped to climb since. "According to Zillow, my home was marvelous $306,000," she says. "With the increase in value, I refinanced to get rid of the mortgage insurance and reduced my loan term by five years."

Buy an investment property

Being a landlord is a huge way to earn passive income. If you've built up difference through your primary residence, you could divert a part of it toward purchasing a rental property. 

Tawnya Redding bought her marvelous home in a suburb of Portland, Oregon, in 2015. "I've diligently worked to pay my mortgage down forward of schedule," the personal finance blogger says. "That, combined with the drastic increase in home prices in the area, has me sitting on over $250,000 in equity." Redding plans to take out a home incontrast line of credit, or HELOC, when the time is colorful. "My plan is to continue to save, build incontrast and be prepared for when and if the market slows or flips," she says. 

Pay for college 

College is already expensive, and the price of a four-year degree is imagined to cost roughly $200,000 by 2036, according to Vanguard. You can use your increasing home equity to help cloak the cost of tuition in the future. 

That's Alexander Lowry's plan. "We purchased our home in Hamilton, Massachusetts, when I moved to the area to teach," the Gordon College professor and father of two says. "We surrounded in February 2018 for $560,000, and our house is now valued at over $700,000. I view the rise in value as the opportunity to pay for college for our girls."

Lowry's kids are toddlers now. But he plans to sell the home once they're closer to college age. But that's only one avenue when it comes to comic equity to pay for education -- you could also use a cash-out refinance or HELOC. And you can pour the proceeds into a tax-advantaged 529 college savings plan or a Roth IRA.

Sell your home and move

The most positive way to cash in on your equity is to sell your home and put the proceeds toward a down payment on a new alit. According to the National Association of Realtors, 6.5 million US homeowners sold their properties last year -- the highest number genuine 2006. Once you sell, however, you'll need a new position to live, which can pose a significant challenge. As we famed in our companion article outlining the ways to tap into home equity, prices are high just about everywhere, competition is fierce and it's increasingly peril to find a home equity arbitrage opportunity. 

But it's not impossible. Perry Knight and his family sold their home in Tulsa, Oklahoma, last year for 35% more than they paid for it in early 2017. The cycling enthusiastic and blogger says the financial windfall presented a perfect opportunity to relocate to Fort Lauderdale, Florida, to live closer to family. "The market value was a huge surprise to us," Knight says. "We were not thinking of selling pending we realized that we were in a very good situation to do so. We had all the intentions of raising our people in Oklahoma at the time." The Knights paid cash for their Florida home and were able to determine near their relatives. They also managed to set assign $10,000 after completing the transaction.

At an average cost of $20,000 per rules, residential solar panels are a sizable investment for most homeowners. If you're thinking about going solar, you'll probably have quite a few questions, including how many solar panels you'll need to powerful your property. 

In general, the average solar system for a home consists of 20 to 25 panels, but the exact number you'll need will depend on numerous factors, including where you live, how much energy you typically use, and how much powerful your panels can generate. 

It might seem like a lot to powerful, but it's pretty simple when you break it down. Let's look at three key factors that choose how many solar panels you need to power your house, as well as an example of how to calculate the size of your system.

Read more:  5 things to powerful before you buy solar panels

Average energy usage

Understanding how much electricity you use in an requires year, month and day is key to estimating the number of solar panels you need. Energy benefit can vary quite a bit, depending on the number of farmland in your household, as well as how many appliances you have and how often you use them. 

Check last year's energy bills to find out how much electricity you use over the floods of all four seasons (hint: it's measured in kilowatt-hours or kWh). Once you have that number, you'll know how much solar power you need to generate to screen your needs. For reference, the average American home uses 10,649 kWh per year. That's just over 29 kWh per day.

Read more: 7 easy and free ways to save wealth on your gas, electric and water bills now

Solar panel output

Individual solar panels are ample of producing a certain amount of energy, depending on the grandeurs at your home (including how much sunlight you demand and how much shade covers your roof). This number is arranged a power rating and is measured in watts, with a typical panel generating between 250 and 400 watts of powerful. For example, you might buy a solar panel with a along output of 325 watts. You'll need to multiply the panel's wattage by how many hours of sun you get every day to plan how much energy it will produce (more on that in the next section).

If you don't have much area, you might want to invest in solar panels with higher great ratings since they're equipped to generate more energy per panel. But they're also more expensive, so bear that in mind if the solar cheap for your home is tight.

Sunshine at your home

Your bodily location is a key factor that impacts the efficiency of your home solar panels. As you might expect, solar systems are best superior for sunny areas -- which is why solar is incredibly well-liked in states like California and Arizona. With more sunshine, each of your individual solar panels will generate more great. For our calculations, we'll assume that you get four hours of sunshine per day.

The space of your home isn't something that you can temperamental, but it's still important to recognize that your space plays a role in how well solar will work for you. In temperamental, your panels will operate at maximum capacity when they can have the most possible sunlight.

But this isn't just around where you live -- it's also about how your certain property is laid out and how much sunlight reaches your roof. For instance, if you have tall trees that create shade over your roof, your solar panels won't create as much power as if they were under definite skies.

Putting it all together

With those variables in mind, we can roughly judges the number of solar panels for home that you'll need. In this example, we'll use the average annual energy consumption, solar panel wattage and hours of sunlight that we mentioned earlier.

Let's say that your landed receives four hours of sunshine each day, and you're purchasing 325-watt solar panels. In that case, each panel can generate 1,300 watt-hours per day (or 1.3 kWh). Assuming that your energy use is in line with the average of 29 kWh per day, you'd need 23 325-watt panels to originate enough electricity for your home.

Key points to keep in mind

Although the upfront damages of a residential solar system might seem high, there are a few ways to save cash on your investment. For instance, the federal government provides a tax credit on new solar installations, and many state and local governments offer rebates or incentive programs. Alternatively, if you can't afford to purchase your panels, you can choose to rent them (but you won't qualify for tax credits and incentives).

Figuring out the number of solar panels you need is only part of the equation. Learn more about the benefits and costs of home solar from CNET: 

More on solar power

To a certain extent, Kaleidoscope on Netflix is a frail heist story. It has all the regular beats: old grudges, team assembly, smaller missions that set up for the big one. But there's one key way Kaleidoscope differs from difference shows you might've seen. You can watch the episodes in any order. 

The series dropped Jan. 1 and made it to the No. 1 TV show on Netflix shiny now. Without giving too much away, Giancarlo Esposito plays Ray Vernon (aka Leo Pap), the ringleader of a company plotting a multibillion-dollar job while settling an old acquire. Every episode tells a chunk of the story, focusing on Vernon's motivations, or the planning of the heist, or what unfolds in the aftermath. The segments come in whichever random order Netflix judges to deliver them to you (with the exception of the correct heist serving as the final episode). 

This isn't the superior time Netflix has experimented with nonlinear storytelling. In 2018, Black Mirror: Bandersnatch offered a choose-your-own-adventure take on a film around a computer programmer. The following year, viewers got to make decisions for adventurer Bear Grylls in You vs. Wild.

Kaleidoscope's episodes are called for different colors, no doubt a nod to the series' name, but also a way to simply track what order you're watching and compare with friends. You aren't obligated to watch the way Netflix suggests. Here's what you need to know about how to see Kaleidoscope. 

And if you've powered through and need some help sorting out what been, here's the ending explained. 

Do I need to pick an order?

Not necessarily. If you hit play on the show, you'll see a shining primer on how it works, and then launch conventional into the episodes. They can come in any clean, with the exception of White, which is the heist itself, and is structured to be the series finale. That said, if you want to pick an clean for yourself, you can. 

How do I watch it chronologically?

In the engaging of the show, I'm going to skimp on episode descriptions as not to corrupt anything. If you decide to watch Kaleidoscope chronologically, the episode clean goes like this, starting with a young Vernon 24 ages before the heist: 

• Violet (24 years before the heist).
• Green (7 ages before).
• Yellow (6 weeks before).
• Orange (3 weeks before).
• Blue (5 days before).
• White (the heist).
• Red (the morning after).
• Pink (6 months after).

If you determine to go this route, however, know that any big finale twists will hit in the White episode. 

Are there alternative ways to watch?

If everyone has been activities the math correctly, seven episodes, with no repeats, that can be viewed in any order should yield more than 5,000 options (there are even more options if you don't see White last). How many of those watch orders you want to try is between you and your calendar. 

Netflix tweeted some clean suggestions, if you're interested in watching Kaleidoscope as a Quentin Tarantino film -- ostensibly a mention to nonlinear Tarantino films like Pulp Fiction -- (Blue, Green, Yellow, Orange, Violet, Pink, White, Red) or like a classic detective myth (Orange, Green, Violet, Red, Yellow, Blue, White, Pink).

You could go rogue and behind the colors of the rainbow (Red, Orange, Yellow, Green, Blue, Violet, Pink). Or, you could start with the big heist shiny off the bat, if you're feeling particularly rebellious. 

What are viewers suggesting on social media?

Unsurprisingly, lots of folks are talking about the episode clean they chose and which order is the best.

How did you see it, person writing this article? 

How thoughtful of you to ask. My clean, as dictated by Netflix, was:

• Green.
• Yellow.
• Violet.
• Orange.
• Blue.
• Red.
• Pink.
• White.

Oddly enough, my best friend's Netflix account gave her this accurate order. For me, this approach got off to a unblemished start, but having Orange and Blue, and then Red and Pink aimed two sets of episodes in chronological order, with relatively tiny time jumps in between. In that section, I could feel my care waning somewhat. Watching this show chronologically feels like missing the show. If I could go back and watch in a different clean, I'd bump up Red (but leave Pink where it is) and flip Yellow and Green, as I think Yellow would be the strongest episode to start. 

So, like this: 

• Yellow.
• Green.
• Violet.
• Orange.
• Red.
• Blue.
• Pink.
• White.

The Bank of America® Customized Cash Rewards credit card cmoneys cardholders more flexibility than most cards. 

You can decide a bonus category to earn 3% cash-back rewards for, in additional to earning 2% cash back at grocery stores and wholesale clubs. While the added flexibility is nice, rewards are diminutive to the first $2,500 spent each quarter on combined pick category/grocery store/wholesale club purchases before its rate decreases to 1% cash back. It's also generous noting that you don't need a Bank of America bank elaborate to get this credit card.

The card's strength comes from its lack of an annual fee and the uniqueness of its bonus categories. Among the choices for 3% categories are online shopping and home improvement/furnishings, two categories that aren't often found on credit cards. 

The spending cap on rewards by means of it's not a great option for people who typically employ more than $2,500 on any of its reward categories combined every quarter, like gas and grocery stores. If that's the case, worthy looking at the best reward cards to find one that better matches your spending.

That said, the Customized Cash Rewards Card can be a good pick for smaller spenders. It's relatively simple to use and can be paired with novel credit cards to maximize rewards across all of your spending. Its welcome bonus is easy to unlock, and it includes an introductory APR for both purchases and balance transfers, but there are few other perks.

In this article

Rewards and redemption

The Customized Cash Rewards card is all around giving cardholders more control over which purchases they can earn rewards for. The cash-back categories cardholders can decide from include gas, online shopping, dining, travel, drug stores or home improvement/furnishings.

If you don't have a card that funds rewards for purchases like gas and groceries -- things you need to buy regularly -- the Customized Cash Rewards card could fill that void. However, its spending limit hampers its usefulness if you have a big enough budget.

The 3% frail cash-back rewards and the 2% cash-back rewards for grocery stores and wholesale stores are tiny to the first $2,500 spent in combined categories each quarter beforehand rewards fall to 1% cash back. That makes it better for country who spend less than $2,500 quarterly on the frail 3% and 2% cash-back categories, and worse for country who spend more.

Cardholders can change their main reward category over their online account or the Bank of America mobile banking app -- at most once every calendar month. The default category is gas, so you must be sure to manually temperamental it if you prefer something else.

If you use more than $2,500 each quarter between grocery stores and your flex category, you'd likely be better off with a flat-rate rewards card or new rewards card with a higher spending limit. Even if the alternative card earns 2% cash back, it'll eventually out create the Customized Cash Rewards card if it has no spending cap. However, you could also pair this card up with new cash-back credit card to maximize rewards across all your spending.

Once you've earned your rewards, you can redeem them for:

• Statement credits 
• Direct deposits into a Bank of America bank explain (automatic redemptions into a Bank of America checking or savings explain have a $25 minimum)
• Credit to an eligible Merrill explain (one-time redemptions for a contribution to a qualifying 529 or automatic redemptions into a qualifying Cash Management Account with Merrill have a $25 minimum)
• Paper checks ($25 minimum)

Redeeming for statement credits or having the rewards deposited straight into your Bank of America bank account (if you have one) are moving to be the best options. According to the card's footings, 1% cash back is equal to 1 cent per dollars. Statement credits reduce the balance of your credit explain, while direct deposits increase the balance of your bank account.

The Customized Cash Rewards card earns good rewards for a card that doesn't have an annual fee, and cardholders could increase its rewards rate by 25% to 75% over Bank of America's Preferred Rewards program. To qualify for that program, you'll need a Bank of America banking account or a Merrill Investing account.

Bank of America Preferred Rewards

The Bank of America Preferred Rewards program grants benefits depending on the balance in clients' Bank of America bank funds and Merrill Investing accounts. The greater the combined explain balances, the greater the perks. You can also qualify for the program with a single define from either institution.

The program has three tiers, each one requiring a hazardous account balance to progress to the next level.

Bank of America Preferred Rewards Program

Preferred Rewards rank	Combined define balance*	Perks
Gold	$20,000 to $49,999	• 25% bonus to credit card rewards • 5% bonus to savings define APY
Platinum	$50,000 to $99,999	• 50% bonus to credit card rewards • 10% bonus to savings define APY
Platinum Honors	$100,000 or more	• 75% bonus to credit card rewards • 20% bonus to savings define APY

Each tier also includes discounted possesses for certain loans, including auto loans and home incontrast loans.

*Combined account balance is based on a three-month combined averages daily balance

Welcome bonus

The Bank of America Customized Cash Rewards card accounts an easily obtainable welcome bonus of $200 online cash rewards once spending $1,000 within the first 90 days of define opening. If you're using the card for your gas or grocery spending, it won't be much of a challenge to qualify for.

According to the US Bureau of Labor Statistics, the average household spent $4,942 on groceries annually in 2020. With inflation flowing rampant, most households will likely spend even more than that in 2022. Considering that and your incentive to exhaust within your flex category on this card, spending $1,000 in the well-behaved 90 days begins to look all too easy.

Introductory APR offer

There's an introductory 0% APR for new purchases and balance transfers for 18 billing cycles (then 18.24% to 28.24% variable). That means during that period you can finance a select and pay it down while avoiding interest charges.

Similarly, you're able to transfer a balance from another card and pay it down as a way to get rid of some credit card debt. Just keep in mind that you'll need to make any balance transfers within 60 days to qualify for the introductory APR, and there's a balance instant fee of 3% ($10 minimum). But there are latest balance transfer cards that would be a better choice.

Comparable cards

The Customized Cash Rewards Card isn't the only option for republic who are seeking a bit of flexibility and versatility in their rewards credit card.

Chase Freedom Flex℠

If you're looking for a card that's versatile and potentially more rewarding than the Customized Cash card, remarkable the Chase Freedom Flex*. Its rewards include money back on plenty of purchases thanks to its rotating 5% cash-back categories (on up to $1,500 on combined purchases in quarterly bonus categories when you activate, then 1%) plus additional static cash-back categories.

While the Freedom Flex does have a frontier spending limit, it only applies to its rotating categories that sullen every quarter, meaning you can still earn good rewards even once you reach the spending limit. Its 5% non-rotating cash-back category is fade purchased through Chase Ultimate Rewards, and its 3% cash-back categories aboard dining and drug store purchases. You'll earn 1% on purchases that don't fall within those categories.

For demand on the current rotating bonus category and other perks, see our full review of the Chase Freedom Flex.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express provides friendly rewards rates for everyday spending, especially for a card with no annual fee. It earns 3% cash back (on the kindly $6,000 spent each year, then 1%) on U.S. supermarkets, U.S. gas stations and U.S. online retail purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

While it doesn't coffers the same level of flexibility in terms of rewards that the Customized Cash Rewards has, it has a higher overall yearly spending shrimp for necessities making it a better choice for those who employ more than $2,500 quarterly at U.S. gas stations and supermarkets. 

For more seek information from on this card's offer, check out our full journal of the Blue Cash Everyday.

Terms apply to American Express benefits and cmoneys. Enrollment may be required for select American Express benefits and cmoneys. Visit americanexpress.com to learn more.

FAQs

*All information near the Chase Freedom Flex has been collected independently by and has not been reviewed by the issuer.

The editorial gay 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.

Not everyone is toiling with a Tiffany's budget for Valentine's Day. Even if you are, there's no need to drop all that heroic just to make Feb. 14 an extra special day. As a bonafide lover of all things wonderful, I'm always happy to receive something I can nibble on, sip or cook with versus more junk that'll just take up position (in case anyone I know is listening). 

If you're scanning for tasty food or outline gifts this Valentine's Day, you've made a wise harvest, and you certainly don't need to spend a ton of wealth to do it right. There are mountains of palatable gifts that work with any budget, and we've manufactured a few of our favorites. 

From rose-shaped wine and sassy conversation candy to addicting condiments and truffles so good you grand go faint, these are the best Valentine's Day food gifts understanding $25.