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Chase

Chase Freedom Flex Credit Card

Cash BackNo Annual FeeRotating CategoriesDiningGasGroceryTravelIntro OfferGood CreditExcellent CreditZero Intro APR

Key Features

Annual Fee$0.00
Intro APR0% intro APR for 15 months from account opening on purchases and balance transfers.
Regular APR
After the intro period, a variable APR of 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99%.
Other Fees
Balance transfer fee applies, see pricing and terms for more details.
NetworkMastercard
Read the full review
Best for those with
Good Credit

About this card

The Chase Freedom Flex is an excellent card, particularly for those who can maximize its rotating bonus categories. Its strengths lie in its robust rewards program, no annual fee, and solid reputation. The 5% rotating categories and the 3% on dining and drugstores offer significant value. The card's reputation is strong, with widespread positive sentiment and expert recommendations. The primary weakness is the relatively high regular APR, which means carrying a balance can be costly. Additionally, the need to activate bonus categories each quarter can be a minor inconvenience. Overall, the card provides a compelling value proposition and is well-suited for consumers who are organized and pay their bills on time. It would be a 4.5 or higher if the APR was more competitive.

4.1
Overall Rating

Pros & Cons

What's great

  • No annual fee
  • Intro APR period
  • Generous sign-up bonus
  • Cashback on purchases
  • Rotating bonus categories

Things to consider

  • High regular APR
  • Limited rewards categories
  • Balance transfer fee applies

What this card offers

Sign-up bonuses

  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Rewards

  • Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • Earn 5% cash back on different categories like gas stations, grocery stores (excluding Target and Walmart) and select online merchants on up to $1,500 in total combined purchases each quarter you activate.
  • Earn 5% on travel purchased through Chase Travel.
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services.
  • Earn 3% on drugstore purchases.
  • Earn 1% on all other purchases.

Other features

  • Cash Back rewards do not expire as long as your account is open.
  • And there is no minimum to redeem for cash back.
  • Means you won't be held responsible for unauthorized charges made with your card or account information.
  • Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
  • Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
  • You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Get up to $800 per claim and $1,000 per 12-month period in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12-month period with a $50 deductible per claim.
  • We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
  • Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
  • If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
  • There is 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.
  • Link your Chase Freedom Flex card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping.
  • Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
  • Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
  • Earn 2% total cash back on Lyft rides with your Freedom Flex card through September 30, 2027. That's 1% cash back in addition to the 1% cash back you already earn.
  • Chase Pay Over Time (formerly My Chase Plan) lets eligible Chase customers break up credit card purchases into budget friendly payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.

Additional Notes

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Ratings

4.7
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4.5