I’ve had the Chase Freedom® Card for several years, since before I even started reading One Mile at a Time. It’s one of the two no-annual-fee cards I actually use (the other is The Amex EveryDay® Credit Card from American Express).
The 5% cash back the Freedom Card offers on rotating quarterly categories (up to $1,500 a quarter) is actually 5x Ultimate Rewards points for those of us who pair it with a card like the Chase Sapphire Preferred® Card.
This quarter (January through March), the bonus categories are gas stations and local commuter transportation. Gas stations often sell gift cards for future fuel purchases or other things, and many people meet the bonus that way.