Chase
Chase Freedom Flex® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 bonus |
| Rewards Rate | 1%-5% Cash Back |
| Intro APR | 0% intro APR for 15 months from account opening on purchases and balance transfers. |
| Regular APR | After the intro period, a variable APR of 18.24%-27.74%. |
| Other Fees | Balance transfer fee applies, see pricing and terms for more details. |
| Network | Mastercard |
About this card
The Chase Freedom Flex® credit card earns an excellent overall rating of 4.3 out of 5.0. This assessment is driven by its outstanding rewards program (4.7/5.0) and highly attractive fee structure (4.5/5.0), particularly the absence of an annual fee. The card offers exceptional value for consumers who are proactive in managing their spending, providing lucrative cash back through rotating 5% bonus categories, a solid 5% on Chase Travel, and 3% on dining and drugstore purchases. The generous $200 sign-up bonus with a low spending requirement further enhances its appeal, as does the robust suite of consumer protections and benefits like cell phone protection and DashPass access. The 0% introductory APR for 15 months on purchases and balance transfers is also a significant short-term advantage. However, the card's primary drawback lies in its high variable regular APR (18.24%-27.74%) after the introductory period, leading to a lower APR rating (1.9/5.0). This makes the card less suitable for those who frequently carry a balance, as interest charges could quickly negate any rewards earned. Additionally, while minor, the need to actively activate the quarterly bonus categories and the $1,500 spending cap on these categories require some user engagement. Despite these limitations, for financially responsible cardholders who pay their balances in full each month and are willing to track bonus categories, the Chase Freedom Flex stands out as one of the best cash back cards available, offering immense long-term value within the powerful Chase Ultimate Rewards ecosystem.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Rotating bonus categories
- Travel and purchase protections
Things to consider
- Balance transfer fee applies
- Limited rewards categories
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 travel purchased through Chase TravelSM.
- Earn 3% on dining at restaurants, including takeout and eligible delivery services.
- Earn 3% on drugstore purchases.
- Earn 1% on all other purchases.
- 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 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.
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.
- Zero Liability Protection: Means you won't be held responsible for unauthorized charges made with your card or account information.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection: 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.
- Trip Cancellation and Interruption Insurance: 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.
- 24/7 Fraud Monitoring: 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.
- Auto Rental Coverage: 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.
- Travel and Emergency Assistance: 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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- Shop with points at Amazon: 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.
- Gift cards: Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.
- Travel: Book your travel with Chase TravelSM for competitive rates and flexible ways to pay.
- The best of your neighborhood. $0 delivery fee. 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.
- Chase Offers: Eligible Chase credit card customers are targeted with cash back offers in the Chase Mobile app or on chase.com. Customers can activate an offer on a card, shop at the merchant with the same card and receive a statement credit within 30 days.
- Keep tabs on your credit score for free with Chase Credit Journey®.
- Chase Pay Over Time: 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. Activate each quarter to earn 5% cash back on up to $1,500 in combined purchases in this quarter's bonus categories.