Chase
Chase Freedom Flex® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $250 bonus |
| Rewards Rate | 1-5% Cash Back, Travel |
| 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 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99%. Balance transfer fee applies, see pricing and terms for more details. |
| Other Fees | Balance transfer fee applies, see pricing and terms for more details. |
About this card
The Chase Freedom Flex® credit card earns an excellent overall rating of 4.3 out of 5.0. This assessment is predominantly driven by its exceptionally strong rewards program (4.8/5.0) and an outstanding fee structure (4.9/5.0). The absence of an annual fee, coupled with no foreign transaction fees, positions it as a top-tier choice for value-conscious consumers. The rewards program is a significant highlight, offering lucrative 5% cash back on rotating quarterly categories (up to $1,500), 5% on Chase TravelSM, and 3% on dining and drugstore purchases. The generous $250 sign-up bonus with a low spending requirement further enhances its immediate appeal. Additionally, its excellent reputation (4.7/5.0) as a versatile card within the robust Chase Ultimate Rewards ecosystem underscores its market standing and trusted issuer. The card also offers a valuable 0% introductory APR for 15 months on both purchases and balance transfers, providing a significant short-term financial advantage. However, the primary detractor is the high variable regular APR (18.24%-27.74%) that applies after the introductory period, leading to a 'Poor' APR rating of 1.9/5.0. This makes the card less suitable for cardholders who frequently carry a balance, as interest charges could quickly erode any earned rewards. While the need to activate quarterly categories and the spending cap require some active management, these are minor trade-offs for the substantial earning potential. For financially disciplined cardholders who pay their balances in full each month and actively engage with its bonus categories, the Chase Freedom Flex stands out as an exceptional cash back card, offering immense long-term value and flexibility.
Pros & Cons
What's great
- No annual fee
- Introductory APR period on purchases and balance transfers
- Generous sign-up bonus
- High rewards rate on rotating categories (after activation)
- Accelerated rewards on dining, drugstores, and Chase travel
- No foreign transaction fees
Things to consider
- High regular APR after intro period
- Balance transfer fees apply
What this card offers
Sign-up bonuses
- Earn a $250 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 in rotating categories each quarter you activate.
- Earn 5% 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.
Other features
- No foreign transaction fees
- Cash Back rewards do not expire as long as your account is open.
- 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.
- 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 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.
- 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.
- Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.
- Book your travel with Chase TravelSM for competitive rates and flexible ways to pay.
- 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.
- 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.
- Get your credit score, customized score improvement plans provided by Experian™, and identity monitoring - all for free with Chase Credit Journey®. No Chase account required.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Earn up to $500 cash back per year. You can earn $50 cash back for each friend who gets any participating Chase Freedom® credit card.
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.