Chase Freedom Flex℠

Apply Now

on Chase's secure site

Reviews
" " The offers on the credit card landscape are constantly changing which is great news for consumers.

Trusted & Secure
trust icon

Empowering over
50,000,000 card holders Since 2005

Our pick for credit card rewards optimizers

Add to Compare

Chase Freedom Flex℠

 

Rated 4.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4.5/5.0 from 121 Offer Ratings
Over the Past 60 Days!

Apply Now

on Chase's secure site

  • Regular Purchase APR 19.24% - 27.99% Variable
  • Intro Purchase APR 0% Intro APR on Purchases for 15 months
  • Intro BT APR 0% Intro APR on Balance Transfers for 15 months
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Regular Purchase APR 19.24% - 27.99% Variable
  • Intro Purchase APR 0% Intro APR on Purchases for 15 months
  • Intro BT APR 0% Intro APR on Balance Transfers for 15 months
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Impression Pixel

Card Fees

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance Fee

Either $10 or 5% of the amount of each transaction, whichever is greater.

Penalty APR

Up to 29.99%

Ongoing Information

Rewards Rate

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Annual Fee

$0

Additional Card Details

$0 Fraud Liability

No

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

Expert Reviews

From the CompareCards.com Editorial Team, updated on Feb 07, 2023

Chase rolled out the new Chase Freedom Flex℠ credit card in September 2020 and it’s pretty enticing. Not only does the card offer 5% cash back in rotating categories every quarter, it also boasts an elevated rewards rate for travel instead of the standard 1% on all other purchases not included in the rotating spending categories. Plus, it’s a World Elite Mastercard, which comes with cellphone protection, free ShopRunner membership and Lyft and Boxed discounts.

Expert Reviews of the Chase Freedom Flex℠

  • 4.5

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • 4.5/5

    Overall Rating

The Bottom Line

The generous cashback rate on quarterly rotating categories as well as travel purchases through Chase and dining and drugstore spending, combined with its generous intro APR offer for purchases and sign-up bonus make the Chase Freedom Flex℠ a very attractive choice to add to your wallet, especially since it comes with a $0 annual fee.

The Good

With the Chase Freedom Flex℠, earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. There is a $0 annual fee, and new cardholders can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening! As if that wasn’t enough, the Chase Freedom Flex℠ is also offering a 0% Intro APR on Purchases for 15 months. After, a 19.24% - 27.99% Variable APR will apply. Additional benefits include auto rental collision coverage, trip cancellation/interruption insurance, travel and emergency assistance, extended warranty and purchase protections.

The Not so Good

There’s not much to not like about the Chase Freedom Flex℠. The only downsides are that the card does charge a foreign transaction fee of 3% of each transaction in U.S. dollars, and cardholders are required to activate the rotating spending categories every quarter to qualify for the 5% cashback rate on those.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.

Consumer Reviews

star rating

OFFER RATING

4.5/5.0

121 Total Ratings

5 STARS

(41)

4 STARS

(34)

3 STARS

(23)

2 STARS

(12)

1 STAR

(11)

YOUR RATING

 

Rated 4.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4.5/5.0 from 121 Offer Ratings
Over the Past 60 Days!

Compare Cards
Add a Card +
Back to top ↑